Terms & Conditions

1. About Us

HomeEquityRelease.co.nz (“we”, “us”, “our”) is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider (FAP) regulated by the Financial Markets Authority (FMA), trading as “Evolve”. This website provides general information about reverse mortgage and home equity release options in New Zealand. Personalised financial advice is provided by Evolve's licensed advisers. Reverse mortgage and equity release products are issued by the relevant lenders (such as SBS Bank and Heartland Bank); Evolve acts as your financial adviser, not the lender.

2. Acceptance of Terms

By using this website you agree to these Terms & Conditions. If you do not agree, please do not use the site.

3. Financial Advice

The general content on this website is for informational purposes only and does not constitute personalised financial advice. Personalised financial advice is provided by Evolve Group Limited's licensed advisers, who are regulated under the Financial Markets Conduct Act 2013. When you submit an enquiry, you will be contacted by Evolve, who will provide advice tailored to your individual circumstances. Evolve provides all recommendations in writing. You should also seek independent legal and tax advice before making decisions about these products.

4. Service and Availability

We may change, suspend, or discontinue any part of the site without notice. We do not guarantee uninterrupted or error‑free operation.

5. Commission Disclosure

Evolve Group Limited may receive commission from lenders or providers (such as SBS Bank and Heartland Bank) when you proceed with a product. Evolve does not receive volume‑based or sales target‑based payments. Evolve provides all recommendations in writing. Full commission details will be disclosed to you before you proceed with any product, and you may request further information about commissions at any time.

6. Your Responsibilities

• Provide accurate information when submitting forms or enquiries;
• Use the site lawfully and not for any fraudulent or abusive purpose;
• Confirm all terms directly with providers before proceeding.

7. Privacy

Our handling of personal information is described in our Privacy Policy. By submitting a form, you consent to being contacted by us and/or relevant providers by phone, SMS, email, or other means.

8. Intellectual Property

All content on this site is owned by or licensed to us and protected by applicable laws. You may not copy, reproduce, or distribute content without permission.

9. Third‑Party Websites

Links to third‑party sites are provided for convenience. We are not responsible for their content, accuracy, or security.

10. Liability

To the fullest extent permitted by New Zealand law, we exclude all liability for any loss or damage arising from your use of the site or reliance on its content. Nothing in these Terms limits rights you may have under the Consumer Guarantees Act 1993 (if applicable).

11. Indemnity

You agree to indemnify us from any claims, losses, or costs arising from your breach of these Terms or misuse of the site.

12. Changes to Terms

We may update these Terms at any time by posting the revised version on this page. Your continued use constitutes acceptance.

13. Governing Law

These Terms are governed by the laws of New Zealand and subject to the non‑exclusive jurisdiction of New Zealand courts.

14. Contact

This website is operated by Evolve Group Limited (FSP711891), licensed by the Financial Markets Authority. Questions about these Terms? Contact us at hello@homeequityrelease.co.nz or call 0800 347 257 (Monday–Friday, 9am–5pm).