Website terms of use

These terms govern use of the LendCap website, operated by Crowdsphere Limited, trading as LendCap, FSP360186. Using the secure platform at app.lendcap.co.nz to register, apply or transact is governed separately by the lender agreement, borrower terms, and the current Peer to Peer Lending Service Disclosure Statement.

This website is not financial advice

Content is general information about LendCap's service. It is not financial, legal or tax advice, and nothing on this website is an offer, a recommendation, or a guarantee of any return. Read the current disclosure statement and take independent advice before making a lending or borrowing decision.

No offer or solicitation

Opportunity summaries published on this website are anonymised and indicative only. They are not an offer to lend or borrow. An actual opportunity is made available only to registered users in the secure platform, together with its full offer information.

Accuracy of information

Reasonable care is taken to keep this website accurate and current, though information may change without notice. Where anything on this website conflicts with the current disclosure statement or a lender or borrower agreement, that document applies.

Intellectual property

The content, design and branding of this website, including the LendCap name, logo and the Capstone assistant, belong to Crowdsphere Limited or its licensors. Pages may be viewed and printed for personal, non-commercial use. Reproducing or exploiting any part of this website for commercial purposes requires prior written consent.

Acceptable use

Visitors agree not to introduce viruses or other harmful material, attempt unauthorised access to this website or any connected system, use automated means to scrape content beyond reasonable personal reference, or use this website in a way that breaches applicable law.

Third party links

This website may link to third party sites, including the secure platform and the Financial Service Providers Register. LendCap is not responsible for the content or availability of external websites.

The Capstone assistant

Capstone is an automated assistant providing general information drawn from this website. It does not provide financial advice, and its responses should not be relied on in place of the current disclosure statement or a conversation with the team.

Limitation of liability

To the extent permitted by law, liability for loss arising from use of, or reliance on, this website is excluded, except where liability cannot be excluded by law, including under the Consumer Guarantees Act 1993 or the Fair Trading Act 1986 where they apply.

Privacy

The Privacy Policy explains how personal information submitted through this website is collected, used and protected.

Changes to these terms

These terms may be updated from time to time. The current version is the one published on this page.

Governing law

These terms are governed by the laws of New Zealand, and disputes are subject to the exclusive jurisdiction of the New Zealand courts.

Contact

Questions about these terms can be sent through the contact form.