Website Terms of Use

1. Acceptance of Terms

By accessing and using the AML Commercial website, you agree to comply with and be bound by the following terms and conditions. If you do not agree with these terms, please do not use our website.

2. General Use and Assumption of Risk

Users contacting this website and/or its owners do so at their own discretion and provide any requested personal details at their own risk.

While every effort has been made to ensure a safe and secure form-to-email submission process, we advise users that they utilise these forms entirely at their own risk.

3. Our Services and Financial Advice

AML Commercial (a brand created by AML Financial Services Limited) provides financial advice about lending products from a range of bank and non-bank lenders.

All our brokers are Registered Financial Advisers, and their conduct is regulated by the Financial Markets Authority.

4. No Legal or Accounting Advice

The information provided on this website and any discussions with our advisers regarding legal and accounting issues does not replace advice from professionally qualified specialist advisers, such as solicitors and accountants.

We strongly recommend that you obtain such independent and specialist advice.

5. Privacy and Data Collection

update Updated for IPP3A Compliance (effective 1 May 2026)

All communications and personal information provided to us through this website are subject to the New Zealand Privacy Act 2020. We collect information to properly assess your needs in relation to commercial lending and associated financial products.

Direct Collection

We generally collect your personal information directly from you when you use our website, enter promotions, request material, complete surveys, or provide feedback.

Indirect Collection (IPP3A)

In accordance with the new Information Privacy Principle 3A (effective 1 May 2026), you are notified that we may also collect your personal information indirectly from third parties. This includes collecting personal information from:

• Credit reporting agencies
• Marketing organisations
• Your nominated representatives (such as legal advisers or accountants)
• Your employer
• Publicly available sources

Information Sharing

Where we act as an agent, we may share this information with regulatory bodies, intended lenders, or franchisees and franchisors within our professional network to enable us to properly conduct our business.

You have the right to request access to and correction of your personal information in accordance with applicable privacy legislation. Please read our full Privacy Policy for complete details.

6. Website Analytics, Tracking, and Cookies

This website uses cookies to better the user experience while visiting the website.

Cookie Consent

Our website allows users on their first visit to explicitly allow or disallow the use of cookies on their computer or device, complying with legislative requirements.

Google Analytics

We use tracking software provided by Google Analytics to monitor visitors and better understand website usage. This software saves a cookie to your computer's hard drive to track your engagement, but it will not store, save, or collect personal information.

External Links / Vendors

Other cookies may be stored to your computer's hard drive by external vendors when this website uses referral programs, sponsored links, or adverts. These typically expire after 30 days and do not collect personal information.

Opting Out

If you wish to deny the use and saving of cookies from this website, you should adjust your web browser's security settings to block all cookies from this website and its external vendors.

We may also publish aggregated information about usage patterns, but we will not disclose individual machine information unless necessary for law enforcement due to security concerns.

7. Marketing and Communications

This website operates an email newsletter program to inform subscribers about our products and services. We use the information submitted to assist you in answering any queries or to subscribe you to our newsletter, provided your express permission was granted during the submission process, or if you have previously purchased or enquired about our services.

You can subscribe through an online automated process at your own discretion. Your details are not passed on to any third parties.

8. Disputes and Complaints

If you have a problem, concern, or complaint about any part of the service you receive from AML Commercial, we want to try and fix the problem.