At Jacko Finance, we believe finance should be straightforward, transparent, and tailored to your individual circumstances.
These Terms & Conditions explain how we work, how we are paid, how we use your information, and the basis on which we provide our services.
By using our website, making an enquiry, submitting an application, or engaging our services, you agree to these Terms & Conditions and our Privacy Policy.
Jacko Finance is the trading name of Wairarapa Home Loans (2021) Limited, a New Zealand finance brokerage and intermediary.
We work with a panel of lenders and service providers to help customers obtain suitable finance solutions.
Unless expressly stated otherwise, Jacko Finance does not lend money directly.
We act as an independent intermediary between customers and lenders. Our services may include:
All lending decisions are made solely by the lender. Approval is subject to lender criteria, affordability assessments, responsible lending obligations, and satisfactory supporting documentation.
You agree that all information provided to us is accurate, complete, and not misleading.
You must promptly notify us of any material changes to your:
If requested information is not provided, we may be unable to assess your application or provide our services.
You authorise Jacko Finance to collect, hold, use, and disclose your personal information in accordance with our Privacy Policy for purposes including:
If you provide information about another person, you confirm that you have their authority to provide that information and to authorise us to use it in accordance with our Privacy Policy.
To assess your application, we may obtain and share credit information with credit reporting agencies including:
These agencies may hold information relating to:
By proceeding, you authorise us and participating lenders to access and exchange such information where reasonably required.
You have the right to access your credit information, request correction of inaccuracies, and contact those agencies directly.
Where relevant, you authorise us to obtain and use supporting information from third parties including:
for the purpose of assessing or supporting your application.
Where authorised by you, we may use secure third-party providers to obtain bank transaction information or statements for the purpose of verifying income, expenses, and affordability.
We do not require or store your internet banking passwords.
We only access information reasonably necessary to support your application or related services.
Jacko Finance may refer customers to third-party advisers for the purpose of providing advice or services relating to:
Where you consent, we may share relevant personal information such as your:
with:
This is to enable those providers to contact you and provide advice, services, or information relevant to your needs.
You are under no obligation to proceed with any services offered by those providers.
Jacko Finance may receive a referral fee, commission, or other commercial benefit where permitted if you engage a provider introduced by us.
In most cases, Jacko Finance receives commission from lenders when finance is settled.
This is generally not a direct cost to you unless specifically disclosed.
Any fees payable by you will be disclosed and agreed to in advance.
If you were introduced to Jacko Finance by a third party, we may provide reasonable progress updates or outcome information where permitted by law and relevant to that referral relationship.
You consent to receiving communications electronically, including by:
This may include disclosures, notices, contracts, updates, and related communications.
You may request alternative communication methods where reasonably practicable.
If you are provided access to an online portal or account, you are responsible for maintaining the confidentiality of your login details.
Any person using your authorised credentials may be treated as acting with your authority unless you notify us otherwise.
Jacko Finance does not guarantee:
All outcomes depend on lender assessment and circumstances at the relevant time.
To the maximum extent permitted by law, Jacko Finance excludes liability for any indirect, consequential, or incidental loss arising from the use of our services or website, except where liability cannot lawfully be excluded.
We may amend these Terms & Conditions from time to time by publishing updated terms on our website.
These Terms & Conditions are governed by the laws of New Zealand.
Jacko Finance
Email: info@jacko.nz
Website: ww.jacko.nz
Phone: 0800846846