Terms & Conditions

Introduction

Welcome to Stream Finance Limited trading as Stream Finance. By using our website and services, you agree to these Terms and Conditions.

Services

We provide finance brokerage services, helping customers secure loans and financial products through third-party lenders. We do not provide direct financing, and approval is subject to the criteria of the finance provider.

Eligibility

To use our services, you must:

• Be at least 18 years old
• Be a New Zealand resident or hold a valid visa
• Provide accurate and complete information during the application process

No Guarantee of Approval

We facilitate loan applications but do not guarantee approval. Loan terms, interest rates, and conditions are determined by the finance provider.

Fees & Commissions

We may receive a commission from lenders for successful loan applications. Any applicable brokerage fees will be disclosed before proceeding with your application.

Privacy & Data Use

By using our services, you consent to the collection, use, and disclosure of your personal information as outlined in our Privacy Policy.

Accuracy of Information

You are responsible for ensuring that all information provided is accurate and up to date. False or misleading information may result in loan rejection or legal consequences.

Third-Party Links & Content

Our website may contain links to third-party websites, including lender websites. We do not endorse or take responsibility for their content, policies, or practices.

Limitation of Liability

To the maximum extent permitted by law:

• We are not liable for any loss, damage, or expenses arising from the use of our services, including loan application rejections.
• We do not guarantee the suitability of any financial product for your needs.

Indemnity

You agree to indemnify us against any claims, losses, or damages resulting from your use of our services, including false information provided in your application.

Changes to Terms

We may update these Terms and Conditions at any time. Continued use of our services after changes means you accept the updated terms.

Governing Law

These Terms and Conditions are governed by New Zealand law, and any disputes will be resolved in New Zealand courts.

Complaints and Concerns

Please contact us if you have any complaints or queries about how we manage your information or you no longer wish to receive marketing materials. You can contact us by email or phone.

If you lodge a complaint, our Internal Dispute Resolution officer will investigate your complaint. We will commence the investigation within 2 days and provide you with a response within 14 days. We will seek your agreement to a longer time if it is needed. We will keep you informed of the investigation process by phone or email at least once a week and provide you with a written response to your complaint within 30 days.

If you do not accept our response, you may take the complaint to our External Dispute Resolution Scheme, Financial Services Complaints Limited (FSCL):

• Email: complaints@fscl.org.nz
• Phone: 0800 347 257
• Mail: FSCL, PO Box 5967, Wellington 6140
• Online: fscl.org.nz

Contact Us

Email: info@streamfinance.co.nz
Website: stream.co.nz