Terms and Conditions

1.1These Terms and Conditions ("Terms") govern the sale of leads by Detailed Finish Ltd, trading as Broker Leads Co ("Broker Leads Co", "we", "us", "our"), to any person or entity that purchases, accepts delivery of, or uses a lead supplied by us ("Buyer", "you", "your").

1.2By purchasing, accepting delivery of, using, or paying for any lead supplied by Broker Leads Co, you confirm that you have read, understood, and agree to be bound by these Terms in full. If you do not agree to these Terms, you must not purchase, accept, or use any lead from us.

1.3These Terms apply to every order, package, subscription, or individual lead purchase made through our website, by invoice, by phone, or by any other means, and take precedence over any terms proposed by the Buyer unless expressly agreed otherwise in writing signed by an authorised representative of Broker Leads Co.

2.1"Lead" means contact and enquiry information relating to a person who has expressed some level of interest in a mortgage, insurance, or related broking service, which we make available to a Buyer in exchange for payment.

2.2"Order" means a specific purchase of one or more Leads, including the quantity, criteria, price, and exclusivity basis set out in the relevant order confirmation, invoice, product listing, or package description.

2.3"Invalid Lead" has the meaning given in clause 9.

2.4"Business Day" means a day other than a Saturday, Sunday, or public holiday in New Zealand.

3.1Broker Leads Co operates a lead generation and referral service. We source enquiries from marketing campaigns, our website(s), advertising, and/or third-party marketing partners, where individuals have submitted their details indicating a general interest in mortgage, insurance, or related broking services.

3.2We pass these enquiries on to Buyers as Leads, substantially in the form in which they were received. We are not a party to, and have no involvement in, any subsequent dealing, application, advice, or transaction between the Buyer and the individual named in a Lead.

3.3A Lead is a contact opportunity only. It is not a qualified applicant, a pre-vetted customer, a guaranteed appointment, or an assurance that the person will respond, engage, proceed, or be eligible for any product or service.

4.1Broker Leads Co makes no representation, warranty, or guarantee, express or implied, that any Lead will: (a) result in contact being successfully made; (b) result in a meeting, application, quote, sale, policy, mortgage, refinance, or other transaction; (c) result in any commission, revenue, or other financial benefit to the Buyer; or (d) be eligible, qualified, creditworthy, or suitable for the Buyer's products or services.

4.2The price paid by the Buyer is for the supply of the Lead data and the opportunity to make contact. It is not a fee contingent on, and is not refundable by reference to, any outcome, conversion, or result achieved – or not achieved – by the Buyer.

5.1The Buyer acknowledges and accepts that lead generation is inherently uncertain, and that outcomes vary based on factors entirely outside Broker Leads Co's control, including the Buyer's own sales process, timing, follow-up, communication, pricing, product fit, and the individual circumstances and responsiveness of the person named in the Lead.

5.2By placing an Order, the Buyer confirms it understands and accepts these risks, and enters into each purchase on that basis, with full knowledge that some Leads may not convert into business of any kind.

5.3Nothing in this clause 5 excludes or limits Broker Leads Co's obligations under clause 9 (discretionary replacement) or any liability that cannot lawfully be excluded under New Zealand law.

6.1Leads are supplied based on information provided directly by the individual at the time of enquiry. We do not independently verify income, creditworthiness, identity, intent, or eligibility, and undertake only basic validation (such as checking that phone numbers and email addresses are in a valid format) before supply.

6.2The Buyer is responsible for carrying out its own checks, due diligence, and verification of any Lead before relying on it or providing advice or recommendations to the individual concerned.

7.1The quantity, criteria (such as location, loan type, or insurance type), price, and exclusivity basis (exclusive or shared) applicable to any Lead will be as set out in the applicable Order confirmation, invoice, or product listing at the time of purchase.

7.2Unless expressly stated otherwise in writing, all Leads are exclusive to the Buyer when purchased, and will not be supplied to any other party.

7.3Certain Leads may be offered as part of an introductory or trial package (including any package described as a "10 lead starter pack" or similar) ("Starter Pack Leads"). The Buyer acknowledges and agrees that: (a) Starter Pack Leads are sourced using a shortened enquiry form and a reduced set of qualifying questions compared to the form used for Broker Leads Co's standard ongoing or marketplace lead supply; (b) Starter Pack Leads are intended to give the Buyer an initial opportunity to sample the service and assess Lead volume, format, and general suitability, and are not represented as being subject to the same level of screening, filtering, or qualification as Leads supplied under an ongoing or marketplace arrangement; and (c) for the purposes of clause 9.2(d), the "criteria agreed for that Order" for a Starter Pack includes the reduced qualification and form standard described in this clause 7.3, and a Starter Pack Lead will not be treated as an Invalid Lead solely because it reflects a lower level of pre-qualification than the Buyer may associate with standard marketplace supply.

7.4All other provisions of these Terms, including clauses 4, 5, 8 and 9, apply equally to Starter Pack Leads. No additional warranty, refund right, or replacement right arises solely because a Lead formed part of a Starter Pack.

8.1Except as expressly set out in clause 9, all Lead sales are final. Broker Leads Co does not offer refunds, credits, or replacements on the basis that a Lead did not respond, was not interested, did not proceed, chose another provider, changed their mind, or otherwise did not convert into business for the Buyer.

8.2The Buyer acknowledges that clause 8.1 reflects the fundamental basis on which Leads are priced and supplied, and that the risk described in clause 5 sits with the Buyer.

9.1While Broker Leads Co does not guarantee outcomes, we want Buyers to receive genuine, real enquiries, and we will work with Buyers in good faith to resolve legitimate problems with the Leads we supply.

9.2A Lead may qualify for review as an "Invalid Lead" only where, at the time it was supplied: (a) the contact details provided were entirely false, fictitious, or nonsensical; (b) the same Lead (same individual and enquiry) was supplied to the Buyer more than once; (c) the phone number was disconnected or not in service at the first reasonable attempt to contact it; or (d) the Lead clearly fell outside the specific criteria agreed for that Order (for example, wrong region, product type, or excluded category).

9.3The following are not, on their own, grounds for a replacement or credit: the individual did not answer or return calls; the individual was unresponsive, uninterested, or asked to be left alone; the individual said they had already gone elsewhere, could not be approved, or changed their mind; the Buyer's own follow-up was delayed or unsuccessful; or the Lead simply did not result in a sale.

9.4To request a review, the Buyer must notify Broker Leads Co in writing at sales@brokerleads.co.nz within 2 Business Days of receiving the Lead, providing the Lead reference and a clear explanation of the issue. Claims made outside this window may not be considered.

9.5Where Broker Leads Co agrees, acting reasonably, that a Lead meets the definition of an Invalid Lead, we will, at our sole discretion, provide either a replacement Lead of equivalent type or an account credit. This clause does not create an entitlement to a cash refund, and does not apply to Leads that were simply unproductive for reasons outside clause 9.2.

9.6We assess each report on its individual facts and reserve the right to decline a claim that, in our reasonable opinion, does not meet the criteria in clause 9.2, or where we reasonably suspect the report is not made in good faith.

10.1To the maximum extent permitted by law, Broker Leads Co excludes all liability for any indirect, consequential, or special loss, and for any loss of profit, revenue, business, commission, anticipated savings, or goodwill, arising out of or in connection with any Lead, whether the claim arises in contract, tort (including negligence), or otherwise.

10.2To the maximum extent permitted by law, Broker Leads Co's total aggregate liability to the Buyer arising out of or in connection with these Terms, however arising, is limited to the total fees actually paid by the Buyer for the specific Lead(s) giving rise to the claim.

10.3Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited under New Zealand law, including liability for fraud, wilful misconduct, death or personal injury caused by negligence, or liability arising under the Fair Trading Act 1986 in respect of misleading or deceptive conduct.

11.1The Buyer confirms that it acquires Leads for the purposes of a business, in trade, and not for personal, domestic, or household use.

11.2To the extent permitted by section 43 of the Consumer Guarantees Act 1993, the parties agree that the guarantees under that Act do not apply to the supply of Leads under these Terms.

12.1The Buyer represents and warrants that it holds all licences, registrations, and authorisations required to lawfully provide mortgage, insurance, or financial advice services in New Zealand, including registration on the Financial Service Providers Register and, where applicable, holding or operating under a Financial Advice Provider (or nominated representative) under the Financial Markets Conduct Act 2013.

12.2The Buyer is solely responsible for ensuring that its use of any Lead, and any contact made with the individual concerned, complies with all applicable law, including the Privacy Act 2020, the Unsolicited Electronic Messages Act 2007, and the Fair Trading Act 1986.

12.3The Buyer must have its own lawful basis and privacy notice covering how it will use a Lead's personal information, and must handle that information in accordance with the Privacy Act 2020.

13.1Broker Leads Co collects and discloses personal information contained in Leads in accordance with the Privacy Act 2020 and our Privacy Policy. By purchasing a Lead, the Buyer agrees to handle that personal information responsibly and in accordance with clause 12.

14.1Leads are supplied to the Buyer for the Buyer's own direct use only. The Buyer must not resell, sublicense, share, publish, or otherwise provide any Lead to a third party without our prior written consent.

14.2The Buyer must take reasonable steps to keep Lead data secure and use it only for the purpose for which it was supplied.

15.1The Buyer indemnifies Broker Leads Co against any loss, damage, cost, or claim (including reasonable legal costs) arising out of or in connection with the Buyer's use or misuse of a Lead, including any breach of clause 12 or 14, or any unlawful contact made with the individual named in a Lead.

16.1Fees for Leads are as set out in the applicable Order, price list, or invoice at the time of purchase, and are payable in accordance with the payment terms specified at the time of Order.

16.2Broker Leads Co may suspend delivery of Leads, and access to any account or portal, if payment is not received in accordance with the agreed terms.

17.1Broker Leads Co may suspend or terminate a Buyer's account or access to Leads at any time, with immediate effect, if the Buyer breaches these Terms, fails to pay any amount when due, or uses Leads unlawfully or in a manner we reasonably consider harmful to Broker Leads Co, an individual named in a Lead, or a third party.

17.2Termination does not affect any accrued rights or obligations of either party, including the Buyer's obligation to pay for Leads already supplied.

18.1Neither party is liable for any delay or failure to perform its obligations under these Terms to the extent caused by circumstances reasonably beyond its control.

19.1We take complaints seriously and want to resolve genuine problems quickly and fairly. If something has gone wrong, contact us at sales@brokerleads.co.nz and we will investigate and respond within 7 Business Days.

19.2While clauses 8 to 10 set out our formal position on refunds, replacements, and liability, we will always work with Buyers in good faith to understand and try to resolve any issue with the service, even where a matter falls outside the strict criteria in clause 9. Any assistance provided outside those criteria is offered at our discretion as a matter of goodwill, and does not create an ongoing obligation or precedent for future Orders.

20.1We may update these Terms from time to time by posting the revised version at brokerleads.co.nz or notifying the Buyer directly. Continued use of our services after an update takes effect constitutes acceptance of the revised Terms.

21.1Severability: If any provision of these Terms is held invalid or unenforceable, the remaining provisions continue in full force and effect.

21.2Entire Agreement: These Terms, together with any applicable Order, constitute the entire agreement between the parties regarding the sale of Leads and supersede all prior discussions or agreements on that subject.

21.3Assignment: The Buyer may not assign or transfer its rights under these Terms without our prior written consent. We may assign these Terms in connection with a sale or restructure of our business.

21.4No Waiver: A failure by Broker Leads Co to enforce any provision of these Terms is not a waiver of our right to do so later.

22.1These Terms are governed by the laws of New Zealand, and each party submits to the non-exclusive jurisdiction of the courts of New Zealand.

23.1For any questions about these Terms, contact us at the details below.