TERMS & CONDITIONS

---

1. About These Terms

These Terms & Conditions govern your use of the One Bridge Finance website (onebridgefinance.co.nz) and our services.

By using this website or submitting an application for finance, you agree to be bound by these Terms & Conditions.

One Bridge Finance is operated by AM & RJ Holdings Limited (NZBN 9429051241766), trading as One Bridge Finance, Financial Service Provider No. FSP757851.

---

2. Our Role

One Bridge Finance is a finance broker, not a lender.

We:

• Help you find and apply for finance from our lending partners
• Assess your needs and recommend suitable finance options
• Manage the application process on your behalf
• Act as an intermediary between you and lenders

We do not:

• Provide loans or credit directly
• Make lending decisions
• Guarantee approval of any application

The actual credit contract is between you and the lender, not One Bridge Finance. All lending decisions are made by the lender based on their own criteria and policies. We do not provide financial guarantees or act as a credit provider.

---

3. Use of This Website

You may use this website to:

• Learn about our services and finance options
• Submit applications for finance
• Contact us with enquiries

You must not:

• Use this website for any unlawful purpose
• Attempt to gain unauthorised access to any part of the website
• Interfere with or disrupt the website’s operation
• Use automated systems (bots, scrapers, etc.) to access the website
• Submit false, misleading, or fraudulent information

---

4. Applications for Finance

4.1 Submitting an Application

When you submit an application through our website:

• You authorise us to assess your application and submit it to one or more of our lending partners
• You confirm that all information provided is true, accurate, and complete
• You authorise us to verify the information you have provided
• You authorise us to conduct credit checks and share your information as described in our Privacy Policy and Credit Services Disclosure

4.2 No Guarantee of Approval

Submitting an application does not guarantee:

• That your application will be approved
• That you will receive the amount requested
• That you will receive the interest rate or terms advertised
• That any particular lender will accept your application

All applications are subject to the lender’s credit assessment and lending criteria.

4.3 Multiple Lender Submissions

We may submit your application to multiple lenders to find you the best available option. Each lender may conduct their own credit check, which may be recorded on your credit file.

4.4 Withdrawal of Application

You may withdraw your application at any time before entering into a credit contract by contacting us at 021 393 338 or info@onebridgefinance.co.nz.

---

5. Accuracy of Information

5.1 Information on This Website

We make every effort to ensure the information on this website is accurate and up to date. However:

• Interest rates, fees, and product features may change without notice
• Information is general in nature and may not apply to your specific circumstances
• We do not guarantee the accuracy, completeness, or timeliness of any information on this website

Always refer to the lender’s disclosure documents for the most current and accurate information about any credit product.

5.2 Information You Provide

You are responsible for ensuring that all information you provide to us is:

• True and accurate
• Complete and not misleading
• Kept up to date

Providing false or misleading information may:

• Result in your application being declined
• Constitute fraud or misrepresentation
• Affect your credit file
• Result in legal consequences

---

6. Fees and Charges

6.1 Our Fees

One Bridge Finance does not charge clients any fees for arranging finance. We receive commission from lenders when we successfully arrange finance on your behalf.

For full details of how we are paid, see our Credit Services Disclosure.

6.2 Lender Fees

Lenders may charge:

• Establishment fees
• Ongoing account fees
• Early repayment fees
• Default fees

All fees charged by the lender will be disclosed to you in the lender’s disclosure documents before you enter into any credit contract.

---

7. Your Obligations Under a Credit Contract

If your application is approved and you enter into a credit contract with a lender:

• You are responsible for meeting all payment obligations under that contract
• Failure to make payments may result in default fees, negative credit reporting, and debt collection action
• We are not responsible for any disputes between you and the lender regarding the credit contract

Any questions or disputes about your credit contract should be directed to the lender, not One Bridge Finance.

---

8. Limitation of Liability

To the maximum extent permitted by law:

8.1 No Warranty

This website and our services are provided “as is” without any warranty of any kind, whether express or implied.

We do not warrant that:

• This website will be uninterrupted, error-free, or secure
• Any information on this website is accurate or complete
• Any application submitted will be approved

8.2 Exclusion of Liability

We are not liable for any:

• Loss or damage arising from your use of this website
• Decisions made based on information on this website
• Applications that are declined by lenders
• Terms, rates, or fees offered by lenders
• Breach of contract or default under any credit agreement between you and a lender
• Any representations, conduct, or decisions made by a lender in relation to your application or credit contract
• Indirect, consequential, or special damages

8.3 Consumer Guarantees

Nothing in these Terms & Conditions limits or excludes any rights you may have under the Consumer Guarantees Act 1993 or other consumer protection legislation.

---

9. Intellectual Property

All content on this website, including:

• Text, graphics, logos, images
• Software and code
• Design and layout

is owned by or licensed to One Bridge Finance and is protected by copyright, trademark, and other intellectual property laws.

You may view and print content from this website for personal, non-commercial use only. You may not:

• Reproduce, modify, or distribute content without our written permission
• Use our trademarks, logos, or branding without authorisation
• Remove or alter any copyright or proprietary notices

---

10. Links to Third-Party Websites

This website may contain links to third-party websites (including our lending partners’ websites).

We are not responsible for:

• The content, accuracy, or availability of third-party websites
• The privacy practices or terms of use of third-party websites
• Any loss or damage arising from your use of third-party websites

Links are provided for convenience only and do not constitute endorsement.

---

11. Privacy and Data Protection

We collect, use, and share your personal information in accordance with our Privacy Policy.

By using this website or our services, you consent to:

• The collection and use of your personal information as described in our Privacy Policy
• Us sharing your information with lenders and other third parties as necessary to arrange finance

For full details, see our Privacy Policy and Credit Services Disclosure.

---

12. Changes to These Terms

We may update these Terms & Conditions from time to time. Any changes will be posted on this page with an updated “last revised” date.

Continued use of this website after changes are posted constitutes acceptance of the updated Terms & Conditions.

---

13. Termination

We reserve the right to:

• Suspend or terminate your access to this website at any time
• Refuse to process any application
• Withdraw any incomplete application

without prior notice and without liability.

---

14. Governing Law

These Terms & Conditions are governed by the laws of New Zealand.

Any disputes arising from these Terms & Conditions or your use of this website will be subject to the exclusive jurisdiction of the New Zealand courts.

---

15. Severability

If any provision of these Terms & Conditions is found to be invalid or unenforceable, that provision will be severed and the remaining provisions will continue in full force and effect.

---

16. Entire Agreement

These Terms & Conditions, together with our Privacy Policy and Credit Services Disclosure, constitute the entire agreement between you and One Bridge Finance regarding your use of this website and our services.

---

17. Contact Us

If you have any questions about these Terms & Conditions, please contact us:

One Bridge Finance
Phone: 021 393 338
Email: info@onebridgefinance.co.nz

---

These Terms & Conditions were last updated: 17/02/2026