Website Terms of Use

Please click on Website Terms of Use and Website Privacy Statement for more information relating to this website. By viewing the pages of our website you acknowledge that you have read and have accepted our Website Terms of Use.




The purpose of these Terms of Use is to explain to the customer the terms and conditions on which they visit and use this website. Please read these Terms and Conditions carefully before using the MARAC website.


This website is owned by MARAC operating as a division of Heartland Bank Limited (MARAC). These Terms of Use are to be read in conjunction with MARAC’s Website Privacy Statement.


By accessing the MARAC website, you indicate that you have read and agreed to these Terms of Use and the Website Privacy Statement.


It is a condition of your use of this website that you observe the Terms and Conditions at all times.


Information on Website


The information on this website has been provided by MARAC for informational purposes. MARAC does not warrant the accuracy or completeness of the materials on this website. MARAC does not accept any liability for any loss or damage directly or indirectly arising from any information contained on this website.


MARAC may at any time change the information available on this website, without notice, including discontinuing all or any aspects of this site. MARAC will not be liable for any loss or damage which may arise directly or indirectly as a result of such changes.


No content on this website can or may change any contract for products or services that you may have with MARAC.


When transmitting your personal information over this site, you should remember that the internet is not a secure environment.


Website Links


If MARAC has provided links to any third party site for your assistance, this does not imply MARAC’s agreement to or endorsement of any of the information contained on the third party site.


When a third party website is accessed from the MARAC site, users depart MARAC’s website. MARAC will have no liability in respect of any loss or damage arising from any use of a third party link on the MARAC website.


In accordance with recognised internet courtesy, should you wish to link the MARAC website to your website, consent should be sought in writing from MARAC before doing so.


Applications for Credit


Nothing in this site is to be construed as MARAC making any offer to enter into any transaction or relationship with you. For full details of up to date service information, charges, interest rates, terms and conditions, and any special offers you should telephone MARAC on 0800 520 009.


Notwithstanding any information on this site, any application for credit from MARAC will be subject to MARAC’s usual lending criteria as applicable at the time of application, together with lending fees, transaction fees and interest as applicable at the time of application.


MARAC strongly recommends that you seek independent advice before acting on any information on this site. This site is not designed for the purpose of providing personal financial or investment advice.


Use of Information


MARAC has and retains copyright and all other intellectual property rights in all information on this website.


Use of this website is to be limited to non-commercial use, and no part of the information displayed on this website is to be copied or displayed for redistribution to third parties without the written permission of MARAC.


No information on this website may be changed by any user.



The use of this website and these Terms and Conditions are to be governed by the laws of New Zealand, and any disputes arising out of the same shall be resolved by the exclusive jurisdiction of the Courts of New Zealand.


Further Information

Further information about this website or MARAC products and services can be sought by calling MARAC on 0800 520 009.

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