Terms and Conditions

 Terms and Conditions 

Last updated: June 2026 

Introduction 

These Terms and Conditions govern your use of the Armstrongs Finance Limited website and the services we provide. 

By accessing or using our website, submitting an enquiry or application, or engaging with our services, you agree to these Terms and Conditions. 

Website Information 

The information provided on this website is intended as general information only and should not be relied upon as financial advice unless provided directly by Armstrongs Finance. 

While we take reasonable care to ensure information on our website is accurate and up to date, we do not guarantee that all information is complete, current or free from errors. 

Information on this website may be updated, amended or removed without notice. 

Applications and Enquiries 

Submitting an enquiry or application through Armstrongs Finance does not guarantee approval for any finance, insurance or related product. 

All applications remain subject to the assessment, approval criteria and lending policies of the relevant lender, insurer or product provider. 

Additional information or documentation may be required during the assessment process. 

Armstrongs Finance reserves the right to decline to assist with an application where appropriate. 

Customer Information 

Customers are responsible for providing complete, accurate and up-to-date information. 

Providing inaccurate, misleading or incomplete information may affect the outcome of an application and may result in a lender, insurer or product provider declining to provide a product or service. 

Customers should advise Armstrongs Finance of any significant changes to their circumstances that may affect an application or recommendation. 

Rates, Repayments and Calculators 

Any repayment examples, interest rates, affordability estimates or calculator results provided on this website are indicative only. 

Actual rates, repayments, fees and lending terms may vary depending on a customer's circumstances and the requirements of the relevant lender or insurer. 

Calculator results should not be relied upon as a guarantee of eligibility, approval or product availability. 

Finance and Insurance Products 

Armstrongs Finance assists customers in arranging finance and insurance products offered by third-party lenders, insurers and product providers. 

All products remain subject to the terms, conditions and approval criteria of the relevant provider. 

Product availability, rates, fees and terms may change without notice. 

Third-Party Links 

This website may contain links to third-party websites, including lenders, insurers, service providers and business partners. 

Armstrongs Finance is not responsible for the content, availability, products, services, security or privacy practices of third-party websites. 

Users access third-party websites at their own risk. 

Intellectual Property 

Unless otherwise stated, all content on this website, including text, graphics, branding, logos, images and other materials, is the property of Armstrongs Finance Limited. 

Content may not be copied, reproduced, distributed or used without prior written permission. 

Website Availability 

Armstrongs Finance does not guarantee uninterrupted access to its website or online services. 

Access may be affected by maintenance, updates, technical issues or events beyond our reasonable control. 

Limitation of Liability 

To the maximum extent permitted by law, Armstrongs Finance is not liable for any loss, damage, cost or expense arising from: 

• Use of, or reliance on, information contained on this website 
• Delays, interruptions or unavailability of the website 
• Decisions made by lenders, insurers or other product providers 
• Products or services supplied by third-party providers 
• Information supplied by third parties 

Nothing in these Terms and Conditions limits any rights or remedies that cannot be excluded under New Zealand law. 

Privacy 

Your use of our website and services is subject to our Privacy Policy. 

Our Privacy Policy explains how we collect, use, store and disclose personal information. 

Changes to These Terms 

Armstrongs Finance may update these Terms and Conditions from time to time. 

Any updated version will be published on our website and will take effect from the date it is published. 

Contact Us 

If you have any questions regarding these Terms and Conditions, please contact: 

Krystal Petty 
Armstrongs Finance Limited 
61 Mountain Road 
Mount Wellington 
Auckland 1060 

Email: krystal@armstrongsfinance.co.nz