Terms of Use

1. About these terms

These terms apply to your use of https://www.rphl.co.nz (the "site"), operated by FAME NZ Limited and MGLAC Enterprises Limited, trading as River Path Home Loans ("we", "us", "our"). By using the site you agree to these terms.

2. Information on this site

The information on this site is general in nature and is not personalised financial advice. Mortgage rates, lending criteria, and insurance products change frequently — anything you read here should be confirmed with us in a personal conversation before you act on it.

The calculators on this site produce indicative results only. Actual repayments, borrowing power, and loan suitability depend on your full financial picture and the lender's assessment.

3. Personalised advice

When we provide personalised financial advice we do so under our FAP licence and in accordance with our duties as a Financial Advice Provider. See our disclosure page for details.

4. Privacy

Personal information you provide through this site is handled in accordance with our privacy policy.

5. Intellectual property

The content on this site (including text, images, logos, and the wordmark) is owned by or licensed to River Path Home Loans. You may view and download content for personal, non-commercial use. You may not copy, modify, distribute, or republish our content without our written permission.

6. Third-party links

This site may link to third-party websites (lenders, insurance providers, government resources). We don't control those sites and aren't responsible for their content or practices.

7. Limitation of liability

To the extent permitted by law, we're not liable for any loss or damage arising from your use of the site or reliance on information you find here. This doesn't limit any rights you have under the Consumer Guarantees Act 1993 or other consumer protection legislation.

8. Changes to these terms

We may update these terms from time to time. The "last updated" date at the top of this page reflects the most recent revision. Continued use of the site after an update means you accept the new terms.

9. Governing law

These terms are governed by New Zealand law and the New Zealand courts have exclusive jurisdiction.

10. Contact

Questions about these terms? Email [email protected] or write to us at 62 Wake Street, Hamilton 3210.