Terms & Conditions

NeedCashToday welcomes you to this website. These Terms and Conditions are to be read in conjunction with NeedCashToday's Website Privacy Policy. By viewing the pages of this website, you acknowledge that you have read and accepted these disclaimers.

NeedCashToday reserves the right to update or amend these Terms and Conditions without notice at any time and your continued use of the Website/Services following any changes shall be deemed to be your acceptance of such change. It is a condition of your use of this website that you observe the Terms and Conditions at all times and your responsibility to check the Terms and Conditions regularly for any changes.

Parameter for Credit

The products and services described in this website are available only to people living in New Zealand. NeedCashToday regrets that, at this time, it cannot accept applications for these services from persons other than New Zealand residents. Also, the information contained in this website should not be regarded as promoting any product or service other than those offered by NeedCashToday in New Zealand.

The information contained in this website has been prepared under New Zealand law for the supply of these products and services in New Zealand only. NeedCashToday does not accept responsibility for the compliance of this information with the laws of any other country. Accordingly, the information is not directed at persons in any other country and should not be relied upon by persons in any country other than New Zealand.

If you plan to emigrate to New Zealand, you will be able to obtain further information about NeedCashToday products and services upon your arrival.

Applications for Credit

All applications for credit are subject to NeedCashToday and/or the Financial Provider's lending criteria as applicable at the time of application. No information on this website is intended to constitute an offer to enter into any transaction or relationship with you, the promotion of any product or service other than those offered by NeedCashToday in New Zealand, or to provide the basis of any credit.

All online applications are subject to verification of information. If it is shown that information has been falsified, then NeedCashToday may, at its discretion, refer your application to the appropriate authorities.

Parents who wish to allow their children access to and use of the website should supervise such access and use. NeedCashToday can only accept applications from those over 18 years of age and will take action to verify the identity of each applicant.

Lender Rates, Fees, and Contract Terms

As part of our commitment to compliance with the Credit Contracts and Consumer Finance Act (CCCFA), NeedCashToday provides transparency regarding our finance partners' interest rates, fees, and contract terms. Below, you will find links to our lending partners' respective pages where you can access their rates, fees, and contractual information.

If you have any questions regarding the terms, rates, or fees of any of our finance partners, please reach out to us for further clarification. We encourage all customers to review these details carefully before entering into any financial agreement.

Information

While NeedCashToday has taken every care to ensure that the information contained on this website is complete and accurate, it does not represent or warrant the accuracy or completeness of any information on this website or that this information is suitable for your intended use.

NeedCashToday accepts no responsibility or liability arising from or in connection with your use of this website and the information contained on it. NeedCashToday reserves the right to change any information available on this website at any time, without notice, including but not limited to terminating or discontinuing all or any aspects of this site.

Please consult a staff member of NeedCashToday before selecting a product or service or acting on the basis of information provided by this website.

Any information provided by you is protected by the Privacy Policy associated with this website. You may access personal information held by NeedCashToday by contacting us and request correction of any errors in that information.

By providing information to NeedCashToday, you grant to NeedCashToday the right to transmit and distribute such information. You further recognise that NeedCashToday does not want you to, and you warrant that you shall not, provide any information to NeedCashToday that is defamatory, harassing, plagiarised or otherwise unlawful.

Third Party Websites

Links to third party websites that are controlled and maintained by other entities may be provided on this website. Any link to other websites are not endorsements, affiliations or associations of such websites and you acknowledge and agree that NeedCashToday is not responsible for the content or availability of any such sites. If you decide to visit any linked site, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or other unfavourable elements.

Intellectual Property Rights

NeedCashToday holds all copyright and other intellectual property rights in this website and its contents and reserves all rights, save as provided in this disclaimer. You may electronically reproduce and store the contents of this website solely for the purposes of viewing this website, or saving website content, for your own personal use. You may not display or distribute the content of any of these pages in public or where the content is accessible to the public, including any reproduction in any form on the Internet, without the permission from NeedCashToday.

Any infringement of NeedCashToday's intellectual property rights will be fully enforced under New Zealand law.

External Links

Please do not create a link to any of the pages on this website without the prior permission of NeedCashToday. If you do create a link to any of the pages on our website, you acknowledge that you are responsible for all direct or indirect consequences of the link, and you indemnify NeedCashToday for all loss, damage, liability, costs or expense arising from or in connection with the link.

If you wish to create a link to any of the pages on this website, please contact us.

Hypertext links which NeedCashToday provides on this website to other Internet resources are not investigated or monitored by NeedCashToday. Accordingly, the content, timeliness, opinions and hypertext links found on Internet resources to which we provide hypertext links are also not investigated or monitored by NeedCashToday.

Security

Information transmitted over the Internet is inherently insecure. However, NeedCashToday provides encrypted application forms to ensure security of your personal information. Once NeedCashToday receives any personal information from you, NeedCashToday will hold that information securely and will only use it to provide information to you and for statistical purposes. Please see our Privacy Policy for further information regarding our website security.

Tools and Services

NeedCashToday does not represent or warrant the accuracy, adequacy or completeness of any information provided by the calculators and/or interactive tools on this website which are intended to be illustrative only.

Any services or communication tools provided on this website, such as email, chat areas and/or other message or communication facilities, are for your personal and non-commercial use only.

Any service that requires you to open an account will require you to provide certain information and register a username and password for use with that service. The confidentiality and maintenance of the username and password and for all activities that take place under your account are your responsibility. You agree to immediately notify us of any unauthorised use of your password or account or any other breach of security.

NeedCashToday has the right to terminate your access to any or all of the services at any time, without notice, for any reason, including without limitation, breach of these Terms and Conditions.

Disclaimer

NeedCashToday will not be liable for any indirect or consequential loss or damage whatsoever (including without limitation loss of business, opportunity, data, profits) arising out of or in connection with the use of the website as permitted by law.

You agree to indemnify and hold NeedCashToday harmless from and against any breach, by you, of these Terms and Conditions and any claim or demand brought against NeedCashToday by any third party arising out of your use of the website and/or any content submitted, posted or transmitted through the website, including without limitation, all claims, actions, proceedings, losses, liabilities, damages, costs, expenses (including reasonable legal costs and expenses) howsoever suffered or incurred by NeedCashToday in consequence of your breach of these Terms and Conditions.

Content and information on this website may contain inaccuracies and typographical errors. NeedCashToday does not warrant the accuracy or completeness of the materials or the reliability of any advice, opinion, statement or other information displayed or distributed through the site. You acknowledge that any reliance on any such opinion, advice, statement, memorandum, or information shall be at your sole risk.

NeedCashToday strongly recommends that you seek independent advice before acting on any information on this website. This website is not designed for the purpose of providing personal financial or investment advice.

This website and these Terms and Conditions are governed by, and are to be interpreted consistently with, New Zealand law. Any disputes arising out of the same shall be resolved by the exclusive jurisdiction of the Courts of New Zealand.

If you have any questions or comments about NeedCashToday's website or Terms and Conditions, please feel free to contact us by sending an email to info@needcashtoday.co.nz or by calling 09 928 6800.