Terms & Conditions

Welcome to Finance Phantom New Zealand

These Terms & Conditions ("Terms") set out the rules and guidelines for using the Finance Phantom website and its services. By accessing or using our platform, you agree to comply with these Terms. Please read this document carefully, as it outlines your rights, obligations, and the conditions under which we operate. If you do not agree with these Terms, you should discontinue using our platform immediately.

General Terms of Use

Acceptance of Terms

By accessing Finance Phantom, you acknowledge that you have read, understood, and agreed to these Terms. This agreement is binding upon your first use of the website.

Changes to Terms

Finance Phantom reserves the right to update these Terms periodically. Notifications of significant changes will be posted on this page. Your continued use of the platform signifies acceptance of the updated Terms.

Eligibility

Our services are intended for New Zealand residents aged 18 years or older. By using Finance Phantom, you confirm that you meet this eligibility requirement.

Use of the Platform

Permitted Use

Finance Phantom is designed for personal, non-commercial use. Users must not engage in any activities that disrupt or misuse the platform or its services.

Prohibited Activities

• Violate any applicable laws or regulations.

• Distribute malware, spam, or unauthorized advertisements.

• Attempt to gain unauthorized access to our systems or data.

• Engage in fraudulent, harmful, or abusive behavior.

Account Security

Users are responsible for maintaining the security of their account credentials and ensuring that unauthorized individuals do not access their accounts.

Intellectual Property

Ownership of Content

All content on Finance Phantom, including text, graphics, logos, and tools, is protected under intellectual property laws and remains the property of Finance Phantom or its licensors.

Limited License

You are granted a limited, non-exclusive, and revocable license to use the platform for personal purposes. This does not grant rights to modify, reproduce, or redistribute content without prior written consent.

User-Generated Content

By submitting content (e.g., comments or feedback) to Finance Phantom, you grant us a royalty-free license to use, reproduce, and display this content. You confirm that your submissions do not infringe on any third-party rights.

Liability and Disclaimers

No Financial Advice

Finance Phantom provides educational content and tools to support your financial understanding. However, we do not offer personalized financial, investment, or legal advice. Consult a qualified professional for tailored guidance.

Limitation of Liability

To the fullest extent permitted by law, Finance Phantom and its affiliates are not liable for any direct, indirect, or consequential damages arising from your use of the platform.

Third-Party Links

Our website may include links to external websites. Finance Phantom is not responsible for the content, security, or privacy practices of these third-party sites.

Privacy and Security

Data Collection and Use

Finance Phantom collects and processes personal data in accordance with our Privacy Policy. By using the platform, you consent to the collection, storage, and use of your information.

User Responsibilities

You are responsible for keeping your account information secure and immediately notifying us of any unauthorized access or suspicious activity.

Security Measures

While we implement industry-standard security measures, Finance Phantom cannot guarantee complete protection against all potential threats. Users should adopt best practices to secure their accounts and devices.

Termination and Suspension

Grounds for Termination

We reserve the right to suspend or terminate your access to Finance Phantom if you violate these Terms or engage in prohibited activities.

User Rights Upon Termination

If your account is terminated, you will lose access to the platform and any associated data. Users are still liable for obligations incurred before termination.

Reinstatement of Access

Requests for account reinstatement will be reviewed on a case-by-case basis. Contact our support team for further assistance.

Governing Law and Dispute Resolution

Applicable Law

These Terms are governed by the laws of New Zealand. Any disputes arising from these Terms will be resolved in accordance with New Zealand law.

Dispute Resolution Process

In the event of a dispute, users are encouraged to contact Finance Phantom to seek an amicable resolution. If unresolved, disputes will be subject to binding arbitration or mediation, where applicable.

Miscellaneous Provisions

Entire Agreement

These Terms represent the entire agreement between you and Finance Phantom concerning your use of the platform.

Severability

If any provision of these Terms is deemed invalid or unenforceable, the remaining provisions will remain in full force and effect.

No Waiver

Failure to enforce any part of these Terms does not constitute a waiver of our rights to enforce them in the future.

Contact Us

For any questions, concerns, or clarifications regarding these Terms, please contact us:

Email: support@finance-phantom.co.nz

Address: Level 1, Finance House, 45 Queen Street, Auckland, New Zealand

By using Finance Phantom, you acknowledge that you have read and understood these Terms & Conditions and agree to abide by them.