Last updated: 28 October 2026
1. About these terms
findamortgagebroker.nz ("Find a Mortgage Broker", "the site") is operated by Riverhorse Technologies Limited, 142 Hurstmere Road, Takapuna, New Zealand ("Riverhorse", "we", "us").
By using the site you agree to these terms. If you do not agree, please do not use the site. Our Privacy Policy explains how we handle personal information.
2. General information only
Everything on the site, including articles, rates, calculators, reports and answers to your questions, is general information only. It does not take your personal circumstances into account and is not financial advice, a lending decision or an offer of finance.
Rates, figures and calculator results are indicative, may be out of date and may change without notice. Before making a financial decision, talk to a licensed financial adviser and confirm the details with the lender.
3. Adviser and Financial Advice Provider listings
Listings are compiled from the Financial Service Providers Register and other sources, and from information advisers and Financial Advice Providers provide to us. Listings may be incomplete, out of date or wrong. You can check any adviser on the Financial Service Providers Register at www.fsp-register.companiesoffice.govt.nz.
A listing is not a recommendation or endorsement of any adviser or Financial Advice Provider, and the order in which listings appear is not a ranking of quality. Some advisers pay for Enhanced listings, which show more information and features. Inclusion in, or absence from, the site says nothing about an adviser’s quality, suitability or standing.
4. We are not responsible for advisers
Advisers and Financial Advice Providers are independent businesses. They are not employed by, or agents of, Riverhorse, and they are responsible for their own advice, services, fees, licensing and regulatory obligations.
To the extent permitted by law, we accept no responsibility for:
- the presence or absence of any adviser or Financial Advice Provider on the site, or any adviser’s availability or decision to accept or decline you as a client;
- whether, when or how an adviser responds to an enquiry;
- any advice, service, product, recommendation or fee provided or charged by an adviser, Financial Advice Provider, lender or other third party;
- the outcome of any loan application or financial decision;
- the accuracy of information supplied by advisers, Financial Advice Providers or public registers.
Any concern about the advice or service you receive should be raised with the adviser or Financial Advice Provider, and if needed with their dispute resolution scheme.
5. Enquiries and how we are paid
When you send an enquiry or calculator result, we pass it to the adviser or Financial Advice Provider you chose, or as described on the form you used. We cannot guarantee that an adviser will respond or be able to help.
Riverhorse earns money from advisers and Financial Advice Providers, for example through subscriptions for Enhanced listings, membership and referral or qualified-enquiry fees. These arrangements do not change the information we show you, and you pay nothing to use the site.
When you send a calculator result or an enquiry, we send your details and results to you and to the adviser or Financial Advice Provider you chose, so they can help you. We don't send clients marketing emails.
6. Using the site properly
Do not scrape, copy, republish or resell content or listings from the site; use the site or its forms to send spam or unsolicited marketing; submit false, misleading or someone else’s information; or try to interfere with the site’s security or operation. We may block access or remove content that breaks these terms.
7. Advisers and Financial Advice Providers
If you claim or manage a listing, you confirm the information you provide is accurate and that you are authorised to manage it. Additional listing terms and the pricing shown at sign-up apply to claimed and paid listings.
We may edit, hide or remove any listing or content that is inaccurate, misleading, out of date or breaks these terms, or where an adviser is no longer on the Financial Service Providers Register.
Paid plans are billed as shown at checkout and renew automatically at the standard price shown on the site unless you turn off renewal, which you can do at any time from your account. A monthly plan stops at the end of the month you've paid for; a yearly plan is paid upfront and ends at the end of your paid year. Payments are not refunded once paid, except at our discretion or when an adviser joins NZMAI (see the listing terms). The Launch Rate and the FAP plan's per-adviser charges are as set out in the listing terms. Listings are bought for business purposes, so the Consumer Guarantees Act 1993 does not apply.
When you claim a listing you agree that Riverhorse Technologies Limited (which runs Find a Mortgage Broker, CalcStudio and ClientConnection) may use your details to manage your listing, send you enquiries, and tell you about related services and offers for advisers, including from NZMAI (NZ Mortgage Adviser Institute Limited, a separate company). You can turn “Offers from related services” off in your account at any time; emails about your listing and enquiries carry on.
8. Links to other sites
The site links to other websites, including lender, calculator and partner sites. We are not responsible for their content or practices.
9. Intellectual property
The site, its design, text, calculators and software belong to Riverhorse or its licensors. Advisers keep ownership of the content they upload but give us permission to display it on the site and in promoting the site.
10. Our liability
Nothing in these terms limits any rights you have under the Consumer Guarantees Act 1993, the Fair Trading Act 1986 or other law that cannot be excluded.
Subject to that, and to the extent permitted by law, Riverhorse is not liable for any loss arising from your use of the site, its information or calculators, or any dealings with advisers, Financial Advice Providers or lenders. If you use the site for business purposes (for example as an adviser), the Consumer Guarantees Act 1993 does not apply, and our total liability to you is limited to the fees you paid us in the 12 months before the claim.
11. Changes and governing law
We may update these terms; the current version and its date are always on this page. These terms are governed by New Zealand law, and the New Zealand courts have jurisdiction.
12. Contact
Questions about these terms: info@riverhorse.io, or Riverhorse Technologies Limited, 142 Hurstmere Road, Takapuna, New Zealand.