Terms and conditions of use

Acceptance of terms and conditions
Please read these terms and conditions carefully. The website, www.nzacu.org.nz is operated by the New Zealand Association of Credit Unions (“NZACU”).

By accessing this website you agree to be bound by these terms and conditions. These terms and conditions may be amended by us at any time without notification. By continuing to use the website, you will be deemed to agree to any changes. If you do not agree to be bound by these terms and conditions, you should not access or view this website.

Personal information and privacy policy
This website contains applications that collect personal information about you. We maintain a privacy policy [insert link].  Any personal information provided to us will be held and used in accordance with our privacy policy (which is deemed to be incorporated into these terms and conditions).  If you have questions or comments about our privacy policy, please contact NZACU via the details on the “Contact Us” page.

Informational purposes only
The information on this website is provided for informational purposes only. The information is of a preliminary and general nature and is subject to change at any time. You must not rely on the information as being complete, accurate or up to date.  Information which was current at the time of publication may have changed and it may not have been updated on this website. You should obtain independent professional legal and/or financial advice before you rely on any of the information on this website. Neither NZACU nor any other person is, in this website, making any offer to enter into any transaction or relationship with any user.  For full details of up-to-date service information, services, charges and terms and conditions offered by credit unions or building societies, you should contact the relevant entity directly.

No offer of securities
No information provided via this website is intended to constitute an offer of securities to the public in New Zealand or elsewhere for the purposes of the Securities Act 1978 by any credit union, building society or any other person. You should not take any action (including making any investment decision) in relation to the subscription of any securities as a result of any information provided via this website.

Intellectual property
NZACU holds all copyright and other intellectual property rights in this website. You may electronically reproduce and store the contents of this website solely for the purposes of viewing this website, or saving website content for your own personal use. Without permission from NZACU, you may not display or distribute the content of any of these pages in public or where the content is accessible to the public, including any reproduction in any form on the internet.

Any infringement of NZACU's intellectual property rights may result in legal action.

Linking by other websites
A link to any of the pages on this website is not permitted without the prior permission of NZACU. If you do create a link to any of the pages on this website, you acknowledge that you are responsible for all direct or indirect consequences of the link, and you indemnify NZACU for all loss, damage, liability, costs or expenses arising from, or in connection with, the link.

If you wish to create a link to any of the pages on this website, please contact NZACU via the details on the “Contact Us” page.

NZACU website links to other websites
NZACU is not responsible for the information on any other website accessed via this website.  That information is the responsibility of the owner of that website.  Links which NZACU provides on this website to other internet resources are provided for convenience only and do not represent any recommendation or advice by NZACU or any other person of the services offered by the site owner. NZACU accepts no responsibility or liability arising from, or in connection with, your use of internet resources from those linked websites.

Accuracy and timeliness of information
NZACU does not represent or warrant the accuracy, timeliness or completeness of any information on this website or that the information is suitable for your intended use. NZACU accepts no responsibility or liability arising from, or in connection with, your use of this website and the information contained on it.  If you are unsure of the timeliness or accuracy of any information on this website, please contact NZACU via the details on the “Contact Us” page.

Exclusion of liability
To the fullest extent permitted by law, NZACU excludes all liability in relation to this website, including all express and implied warranties and representations. Neither NZACU nor any of its employees, directors or trustees will be responsible for errors or misstatements, or be liable, whether in contract, tort (including negligence) or otherwise, for any loss or damage however caused (including indirect, consequential or special loss or damage, or loss of profits, loss of data, loss of anticipated savings or loss of opportunity).

No waiver
If at any time we do not enforce any of these terms or conditions or grant you time or other indulgence, we will not be construed as having waived that term or condition or our rights to later enforce that or any other term or condition.    

Severability
If any part or provision of these terms and conditions is deemed to be invalid, unenforceable or in conflict with the law, that part or provision is replaced with a provision which, as far as possible, accomplishes the original purpose of that part of provision.  The remaining terms and conditions will be binding on the parties.

Governing law
This website is governed by, and is to be interpreted consistently with, New Zealand law.

Compliance with laws
You agree to comply with all laws, regulations, contracts or otherwise in connection with or related to, directly or indirectly, your use of the website.