Privacy & Terms and Conditions
Last Updated: 21 February 2025

Introduction
Welcome to Ez Loan LLC (the "Website"), accessible at EzLoan.co.nz. These Terms and Conditions and the accompanying Privacy Policy (collectively, the "Terms") govern your use of the Website and any services provided by Ez Loan LLC ("we," "us," or "our"). By accessing or using this Website, you agree to be bound by these Terms. If you do not agree, please discontinue your use of the Website immediately.

Users under 18 are not permitted to use this Website or submit personal information.

1. Our Services

  • Property Information & Valuations: We provide information regarding property values, estimates, and market data for general guidance. These valuations are automated estimates and do not represent official or registered valuations.
  • Referrals to Third Parties: At your request, we may connect you with third-party service providers, such as mortgage specialists or licensed real estate agents in your area. Your engagement or contract with these third parties is solely between you and them; Ez Loan LLC makes no guarantees or endorsements regarding their services.
  • Data Collection: We collect and share your information (e.g., property details, name, phone number, and email) with relevant third parties only when you explicitly request or consent to be connected.
  • No Professional Advice: All content on this Website is for informational purposes only and does not constitute real estate, legal, or financial advice. Always seek independent advice from qualified professionals before taking action.

2. Intellectual Property

Unless otherwise indicated, Ez Loan LLC and/or its licensors own the intellectual property rights to all content on this Website. We grant you a limited, non-exclusive, revocable licence to view and use the content for personal, non-commercial purposes. You must not republish, sell, or sublicense any Website content without our prior written consent. If you upload any content (e.g., comments, images), you grant us a global, non-exclusive licence to use, reproduce, and distribute that content as necessary for our services.

3. Usage Restrictions

When using the Website, you agree not to:

  • Violate any applicable laws or regulations.
  • Interfere with the Website’s operation or security, including hacking or spreading malware.
  • Harvest personal data from other users without their express consent.
  • Engage in unauthorized data extraction, data mining, or similar activities.
  • Use the Website for advertising or marketing without our written consent.

Ez Loan LLC reserves the right to restrict access to certain parts of the Website at any time. Any login credentials provided to you must remain confidential.

4. Third-Party Introductions & Disclaimer

  • Introductions Only: If we connect you with a licensed real estate agent or any other parties, our role is to facilitate an introduction based on the information you provide.
  • No Endorsement: We do not endorse or guarantee the products or services of any third-party provider. Your reliance on their services is at your own risk.
  • Automated Valuations: Any property valuation or estimate shown on this Website is automated and for reference only. We make no warranty regarding accuracy or completeness. Always conduct independent due diligence or obtain a registered valuation before making property-related decisions.

5. Disclaimer of Warranties

This Website and its content are provided "as is" and "as available," with no express or implied warranties. We do not guarantee that the Website will operate without error or interruption, that the information provided is current or accurate, or that any introductions or referrals will meet your expectations.

6. Limitation of Liability

To the maximum extent permitted by New Zealand law, Ez Loan LLC and its employees or affiliates shall not be liable for any direct, indirect, consequential, or incidental losses arising from your use or inability to use the Website, errors or omissions in the content, or actions of third-party professionals referred through this Website. Nothing in these Terms excludes any rights you may have under the Consumer Guarantees Act 1993 or other applicable laws that cannot be lawfully excluded.

7. Indemnification

You agree to indemnify and hold harmless Ez Loan LLC, its directors, employees, and agents from any claims, damages, liabilities, or costs resulting from your breach of these Terms, your reliance on any services or content obtained through the Website, or any third-party claims arising from content you submit.

8. Governing Law & Dispute Resolution

These Terms are governed by the laws of New Zealand, and you submit to the jurisdiction of the New Zealand courts. We encourage you to contact us first to attempt an amicable resolution of any dispute. If a dispute cannot be resolved informally, it may proceed to mediation or court proceedings, at our discretion.

9. Privacy Policy

Ez Loan LLC is committed to safeguarding your personal information in line with the Privacy Act 2020. We collect personal data (e.g., name, email, phone number, property details) to provide property valuations and/or connect you with third-party professionals. We may also use tools like Google Analytics and Facebook Pixel for statistical and marketing purposes. Your data will be shared only with the professionals you have expressly consented to contact or with service providers who help operate our Website, all of whom are required to protect your data securely.

  • Access & Correction: You have the right to request access to, and correction of, your personal information.
  • Deletion: You may request data deletion at any time by emailing andreas@onestopfs.co.nz or calling +64 21 791 712.
  • Complaints: If you have concerns about our data practices, please contact us first. You also have the right to lodge a complaint with the Office of the Privacy Commissioner in New Zealand.

10. Severability

If any provision of these Terms is found invalid or unenforceable under applicable law, the remaining provisions shall continue in full force and effect.

11. Changes to These Terms

We reserve the right to update or modify these Terms at any time. Changes become effective when posted on this Website. Continued use of the Website after any modifications indicates acceptance of the updated Terms.

12. Entire Agreement

These Terms constitute the entire agreement between you and Ez Loan LLC regarding the use of this Website, superseding any prior agreements or understandings.

13. Contact Us

If you have any questions regarding these Terms or our Privacy Policy, please reach out to us via:

By using this Website, you acknowledge that you have read, understood, and agreed to these Terms and our Privacy Policy.