Affiliate Disclaimer

LoansFinder may earn money from advertising, affiliate links and referrals to lenders or referral partners. These commercial relationships may influence which providers we feature, their placement and the referral options available through our website. A listing or prominent position does not, by itself, mean that a provider offers the lowest cost or the most suitable loan for you.

1. Who we are

LoansFinder.co.nz is operated by Profitech Credit Solutions ("we", "us" or "our"). We publish information about borrowing in New Zealand and provide comparison and referral services. This disclosure explains how our commercial arrangements relate to the content and services you see.

Read it alongside our Terms & Conditions, Privacy Policy and any disclosure displayed with a particular advertisement, link or enquiry form.

2. How we may receive compensation

We may receive fixed advertising payments, fees for introducing an enquiry, or commissions connected with an application, completed loan or another agreed action. The payment arrangement depends on the provider or network involved. Providers may pay us directly or through an intermediary or affiliate network.

An affiliate link allows a provider or network to attribute activity to LoansFinder. Following that link and completing a qualifying action may result in a payment to us. A referral submitted through our website may also generate a fee, including where relevant enquiry information is passed to a recipient as a paid introduction.

Payments can vary between providers. This creates a commercial incentive to generate referrals and promote participating businesses. Readers should consider that incentive when assessing featured content and comparisons.

3. How commercial relationships affect listings

Commercial arrangements may influence inclusion in promotional areas, prominence, display order, advertising space and which links or referral routes are available. We do not cover every lender, product or offer available in New Zealand, and a displayed comparison may represent only a selection of providers.

A position in a list should not be treated as a ranking of suitability, price or quality unless a stated comparison method supports that interpretation. Where we publish a score or ranking, we will explain its basis and disclose material commercial influence. Paid prominence will be identified as advertising rather than presented as an independently earned assessment.

A business may also appear in an informational listing without an active paid relationship. A listing alone does not establish a partnership, endorsement or affiliation.

4. Identifying advertising and affiliate content

Advertising, paid placements and affiliate advertising will be identified clearly where readers encounter them. Where a label is needed, we will use wording such as "Advertisement" or "Paid advertisement", with an explanation of relevant affiliate compensation where appropriate.

Disclosures will appear with the relevant content or links so readers can recognise the commercial relationship before deciding to act. This page provides an overall explanation; it does not replace a disclosure needed beside a particular advertisement or affiliate link.

5. Information quality and editorial responsibility

Our provider profiles and comparisons may use publicly available information and material supplied by providers. We take reasonable care when preparing content and will review credible reports of material inaccuracies. Commercial payment does not justify misleading claims, fabricated experience or withholding a material correction.

Unless expressly stated and supported, a profile or review should not be understood as an account of personally borrowing from, testing or auditing the provider. Naming Alexander Balanoff or another contributor as an author or editor identifies their contribution; it does not itself establish personal experience with a loan or an undertaking about its performance.

Rates, fees, eligibility conditions and product availability may change. Confirm current details directly with the provider and read its disclosure statement and credit agreement before accepting an offer.

6. Costs and your freedom to choose

We do not charge consumers to browse LoansFinder or submit a loan enquiry through our website. A lender, broker or other provider may charge its own interest, fees or service costs under a separate agreement. Confirm those charges before proceeding.

A referral payment to us does not establish that an offer is cheaper than alternatives or identical to an offer available through another channel. Compare the total amount repayable, fees, repayment period and relevant conditions. You are under no obligation to apply for or accept a loan because you visited our website or submitted an enquiry.

7. Our role in a loan enquiry

LoansFinder is not a lender. We do not provide credit, approve applications or set a lender's interest rates, fees or repayment terms. Our general information and commercial introductions are not personalised financial advice or an assessment that a loan is suitable or affordable for you.

The lender makes its own decision and is responsible for its checks, disclosures and credit agreement. Neither an affiliate relationship nor a referral promises approval, a particular rate or a funding time. Inclusion on LoansFinder is not certification of a provider's regulatory status or financial standing.

8. Personal information, contact and tracking

If you submit an enquiry, relevant information may be passed to lenders or referral partners for the purposes explained in the form's collection notice and our Privacy Policy. The collection notice will explain the intended recipients and purpose before submission.

This disclaimer does not authorise unrestricted sharing, unrelated marketing or a credit check. Optional marketing permission is separate from the permissions needed to handle an enquiry. Any provider conducting a credit check must have an appropriate legal basis and obtain any required authorisation.

Affiliate attribution may use tracking links, cookies or similar technologies. Depending on the arrangement, a partner may report a qualifying referral or transaction to us for reconciliation. Personal information involved remains subject to applicable privacy requirements. See our Cookie Policy for further information about tracking technologies.

To ask us to stop further referrals or withdraw optional marketing permission, email info@loansfinder.co.nz. You may also need to contact recipients about information they already hold or permissions you gave them directly.

9. Ending commercial relationships and retaining listings

Ending an advertising or affiliate arrangement does not automatically require us to remove a separate, accurate and lawfully published factual listing. We may retain and update that listing where appropriate, while removing any implication of a partnership that has ended.

Retention remains subject to applicable privacy, intellectual property, accuracy and other legal requirements, and any binding agreement. Correction and removal requests are assessed under our Terms & Conditions and Privacy Policy. Paying for advertising is not a condition of having a genuine complaint considered.

10. Questions, complaints and your rights

For questions about a commercial relationship, unclear advertising, inaccurate content or a referral, contact info@loansfinder.co.nz. Include the relevant page or link and explain your concern. We will review it and address material errors or missing disclosures we identify.

Nothing in this disclaimer limits statutory consumer or privacy rights, waives your right to complain, or excuses our own misleading conduct. You may use available legal remedies or contact an appropriate regulator or the Advertising Standards Authority independently of our complaints process.

We may update this disclosure as our commercial arrangements or services change. The date above identifies the latest revision. Changes to how personal information is used remain subject to the notices and authorisations required by law.