Website Terms of Use

Effective: 18 October 2024

  1. Introduction

This site is owned and operated by Bank of New Zealand (New Zealand company number 428849, referred to as “we” or “us” in these terms).

Your use of our site is governed by these terms.  You acknowledge and accept that your use of this site indicates your acceptance of these terms.

  1. General information

The information on this site is for general information only, and is subject to change at any time.  Although we endeavour to ensure the information is current and accurate, the information is selective and may not be complete or suitable for your intended use.  

We recommend 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.

  1. Site availability, access and permitted uses

We do not guarantee access to this site or the content on this site, or that your access will be uninterrupted, timely, and secure, or error or fault free, or that this site or the server that makes it available is free of any virus or other harmful elements.

You acknowledge that access to and use of this site is not guaranteed and may be limited or blocked, without prior notice, for operational or other reasons.  You must not use this site for any unauthorised, false, illegal or fraudulent activities and you must not take any action that could interfere with the normal operation of this site.  We may restrict or block your access to and use of this site at any time if we reasonably believe that you may have breached these terms.

  1. Intellectual property

Your use of this site must not infringe the intellectual property rights of any person. The material on this site is protected by copyright law, and the Bank of New Zealand, BNZ and Payap names and logos are our trademarks and are protected by trademark law.

You may access, view, copy and store the content found on this site for your personal use only.  Otherwise, you must not copy, display, reproduce, distribute, modify or use in any other way for commercial or public purposes any content of this site without our prior written authorisation.

  1. Third party features, products and services

Any third party features, applications, products or services that may be available for use on this site or that may be accessed via this site, are subject to the applicable third party’s terms and conditions.  We are not responsible for, and do not endorse, the accuracy or completeness of those third party features, applications, products or services.  You take full responsibility for your dealings with the third parties and your use of their features, applications, products and services.

  1. Subject to change

We may change these terms at any time and your continued use of this site is deemed acceptance of these terms as updated.

  1. Other terms and conditions

These terms are in addition to and do not replace any terms for Payap product or services (Product Terms), including our Payap Terms of Use and Payap Rewards Terms.  If any of these terms conflict with any Product Terms, the Product Terms will prevail.

  1. Liability

Subject to any applicable law which cannot be excluded, all warranties, representations and guarantees in relation to our site and its content (whether express, implied or statutory) are excluded, and we have no liability for any loss, damage, cost, or expense (whether direct or indirect) incurred by you as a result of any error, omission, or misrepresentation in any information in this site or our failure to provide this site.

  1. Feedback 

Where you provide us with feedback or suggestions about our site or Payap, you agree that this information is not confidential to you or any other person, and that we can use it as we consider appropriate, without any obligation to you.

  1. Privacy and cookies

We may collect, use and disclose your information, including all information you provide to us via or in connection with this site or Payap, in accordance with our Payap Privacy Policy, the BNZ Master Privacy Policy and our Cookies Policy.

Publication of email addresses on our site is not consent to receiving unsolicited email.

  1. New Zealand law

The information contained on this site has been prepared in accordance with New Zealand law for the supply of products and services in New Zealand only.  These terms are governed by New Zealand law.  Any disputes relating to these terms or this site may be brought by you or us only in the courts of New Zealand.

© Payap 2024

© Payap 2024

© Payap 2024