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Terms & Conditions

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1. Introduction

AVA Finance Ltd (“we”, “us”, “our”) provides financial advisory and brokerage services under Gotham Tech Limited Financial Advice Provider (FAP) license. By accessing our website or engaging our services, you agree to the following terms.

2. Services

We specialize in:

  • Asset finance (vehicles, motorbikes, marine)

  • Personal loans

  • Business loans

  • Niche lending solutions

  • Lender matching via proprietary tools and partner platforms

All advice is provided in accordance with the Financial Markets Conduct Act 2013 and relevant regulations.

3. Client Obligations

Clients must:

  • Provide accurate and complete information

  • Disclose any material changes to financial circumstances

  • Use our services for lawful purposes only

4. Fees & Commissions

We may receive commissions from lenders and product providers. These are disclosed upon request or during the advice process. No fees are charged directly to clients unless agreed in writing.

5. Privacy

Your personal information is handled in accordance with ourPrivacy Policy. We do not sell or share your data with third parties except as required to provide services or comply with legal obligations.

6. Lender Matching

We use technology and industry partnerships to match clients with suitable lenders. Matches are based on client profile, product fit, and lender criteria. Final approval is at the discretion of the lender.

7. Disclaimer

All financial advice is tailored to individual circumstances. We do not guarantee loan approvals or specific outcomes. Website content is for informational purposes only and does not constitute financial advice.

8. Liability

To the extent permitted by law, AVA Finance Ltd is not liable for any loss or damage arising from the use of our services or website.

9. Intellectual Property

All content on this site is owned by AVA Finance Ltd or licensed for use. You may not reproduce or distribute any material without written permission.

10. Governing Law

These terms are governed by the laws of New Zealand. Any disputes shall be resolved in New Zealand courts.

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