Creative Mortgages Limited (trading with the brand Team Gopal) owns and maintains this website. Please read the terms and conditions carefully before continued use of this website. By accessing this website, you confirm you have accepted these website terms and conditions and agreed to be bound by them. The website terms and conditions may change or be modified at any time without giving you any prior notice. Creative Mortgages Limited reserves the right to do and any changes will take effect from the moment it has been posted on this website.
No unlawful use of the website is permitted.
1. Website Information
This website contains non-regulated financial advice to a retail customer. This is not a substitution for regulated professional financial advice. It is recommended to get the appropriate financial advice from a qualified financial adviser or related professional where you seek fit for purpose advice for your financial objectives.
For each financial adviser trading under Creative Mortgages Limited using the Team Gopal brand there is a personal disclosure statement detailing key information about their services. It is recommended you read this information in order to make an informed decision on choosing the services of an adviser.
Creative Mortgages Limited takes its best efforts to ensure the information on this website correct and updated accordingly. However, Creative Mortgages Limited make no representation or warranty of any kind (expressed or implied) on the website and its contents with regards to the accuracy, reliability, completeness, suitability or availability. The website and contents include all information stored and displayed on the webpages which includes but is not limited to the products and services provided. This information is subject to change at any time and may (at times) be out of date, inaccurate or incomplete. Creative Mortgages Limited is under no obligation, and accepts no responsibility to update or correct any errors in the posted information after it has been published on the website. Creative Mortgages Limited does not accept any liability for any failure to do so. Time to time there will be historical information and performance of advertised products and services published on the website. It is important not to rely on this information and expect similar results or performances of stated products and services. Creative Mortgages Limited does not accept liability or responsibility for the website being unavailable (in whole or part) or performing slowly. Creative Mortgages Limited does not accept any liability or responsibility for any site linked within the website. Any link on the website to other sites does not imply any endorsement, approval or recommendation of, or responsibility for, those sites or their contents, operations, products or operators. You the user of the website are solely responsible for any action taken or not taken relying on the published information on this website. It is recommended you the user do your own due diligence. Creative Mortgages Limited makes no representation or warranty that the website is appropriate or available for use in all countries or that the content satisfies the laws of all countries. You the user are responsible for ensuring that your access to and use of the website is not illegal or prohibited, and for your own compliance with applicable local laws.
Creative Mortgages Limited and their directors, contractors, business associates, consultants and staff disclaim any and all liability and responsibility to any person in respect to anything, and of the consequences of anything, done or omitted to be done by any such person in reliance, whether wholly or partially, upon the whole or any part of the contents of this website to the full extent legally allowable. The rights to you under the Consumer Guarantees Act 1993 are prejudiced by the disclaimers and limitations of liability nor are they intended to exclude liability arising under statute.
5. Computer Viruses
Creative Mortgages Limited regularly maintains and updates its virus protection software to ensure the devices used to maintain the website are free of viruses and bugs. However, Creative Mortgages Limited does not warrant that the host server of the website containing the contents of the website is free of viruses or bugs. By using this website, you acknowledge it is your responsibility to implement proper virus check procedures to ensure your requirements for the correct presentation of any and all material on this website.
6. Other Websites
From time-to-time Creative Mortgages Limited may link external websites through the contents of this website. These external websites are neither under the control of, nor monitored by Creative Mortgages Limited. Creative Mortgages Limited has no knowledge of or control over the nature, content and availability of those external websites. The respective owners of those external websites take responsibility for the content and privacy policies, not Creative Mortgages Limited. Creative Mortgages Limited does not in any way sponsor, recommend or endorse anything contained on these linked websites. Creative Mortgages Limited does not accept any liability of any description for any loss suffered by you relying on anything contained or not contained on those external websites.
7. Intellectual Property
Creative Mortgages Limited owns all materials on this website which are protected by copyright and intellectual property laws unless otherwise explicitly stated. The website may contain one or many trademarks, logos and symbols which are owned by Creative Mortgages Limited or used with the approval of the respective owner. This website does not provide or grant any licence to use any trademarks, logos or symbols without the permission of the respective owner. Third party material on this website that has its own copyright requires the authorisation to use or reproduce, which must be acquired from the respective third party. Unless otherwise stated, access to and ability to download the material on this website can be done only for personal, non-commercial use.
8. Availability of Website
Creative Mortgages Limited makes every effort to ensure the website is up and working to its best status. However, Creative Mortgages Limited does not take responsibility for, and will not be liable for, any loss you may suffer due to the website being unavailable temporarily. The website can be unavailable temporarily either during its planned maintenance, technical faults or other issues beyond the control of Creative Mortgages Limited.
10. Jurisdiction of New Zealand
This website and the information contained within have been prepared to comply with and to be governed by New Zealand law. The information on the website is only intended for persons within New Zealand’s jurisdiction and therefore is not intended for persons outside of New Zealand’s jurisdiction. Creative Mortgages Limited does not accept responsibility for the compliance of this information with the laws of any other country. Your use of this website is governed by the laws of New Zealand and by accessing this website you agree to submit to the exclusive jurisdiction of New Zealand courts. To the fullest extent permitted by law, Creative Mortgages limited will not be liable for any failure of this website to comply with the laws of any other country.