The information you provide during the registration process must be honest, genuine, accurate and complete. You agree not to register under the name of another person, business (incorporated or unincorporated), charity or otherwise and you may not register under more than one user name. If, after investigation, we have reasonable grounds to suspect that your information is untrue, inaccurate, not current, or incomplete, we may suspend or terminate your account and prohibit your future use of BNZ Community.
When registering as a BNZ Community user, you will be required to select a username that will be seen by all people who visit the BNZ Community site. As such, any username you select must:
not be the same as, or similar to, your BNZ internet banking username or password (if you are a BNZ customer) or the username or password for any other secure sites you may use;
not be the same as, or similar to, any passwords or other secure codes you may use;
not contain any personally identifiable details unless you consent to providing them to the general public; and
not be defamatory, offensive, impersonate any other person or entity, infringe the intellectual property rights of any person or entity, or otherwise mislead or deceive others.
We reserve the right to reject any username or remove any image that we determine in our sole discretion is unacceptable for use as a username or image in BNZ Community.
We will not be responsible or liable for any and all losses and damages arising from your failure to comply with this registration section.
You use BNZ Community at your own risk. You are solely responsible for your use of BNZ Community and reliance on the content, whether posted by us or by other users. You are responsible for all activities under your user name, including the use of your username by others. You are responsible for keeping your password confidential and you agree that you will not share your login details with anyone, let anyone else access your account, or do anything else that may compromise the security of your password or user account. You may use BNZ Community for lawful purposes only. It is your obligation to ensure that when operating your user account and posting content, you will comply with the laws of New Zealand and, where relevant, use best endeavours not to breach the laws of any other country.
We do not warrant or take responsibility and will not be liable for any content you or any other user may post on BNZ Community, including the posting of any of our content or third party content. All content will be shown on BNZ Community as it is posted by each user and, as such, we do not warrant or guarantee the accuracy, reliability or completeness of the content or the ownership of any intellectual property rights that exists or may exist in the content. User-posted content does not represent the advice, views, opinions, or beliefs of Bank of New Zealand or any of our Related Companies (as that term is defined in s 2(3) of the Companies Act 1993).
Before relying on any other user’s posts, you should make your own enquiries and satisfy yourself of their accuracy. Note that opinions and advice in relation to financial products and services on BNZ Community are not personalised to you or other users. For personalised financial advice to be given, a user’s financial situation and goals need to be understood in greater detail than can be provided through BNZ Community. BNZ does not take responsibility for any opinions you or other users choose to provide.
BNZ Community may contain or reference links to non-Bank of New Zealand websites (“Third Party Websites”). By accessing BNZ Community or following links to Third Party Websites, you may be exposed to content that you consider inaccurate, offensive or inappropriate. If you choose to access a Third Party Website using a link or link reference, you do so at your own risk. We are not responsible for the content of any Third Party Website or any link contained in a Third Party Website. The inclusion of a link within BNZ Community does not imply any endorsement by or any affiliation with us. Access to any Third Party Website is at your own risk, and you should be aware that Third Party Websites may contain terms and privacy policies that are different from BNZ Community. We are not responsible for loss, costs or liability arising from accessing or using such Third Party Websites.
BNZ Community must not be used by you or any other user as a marketing platform, notwithstanding that the marketing may be lawful. However, we acknowledge that from time to time, some content may contain references to products, services, articles, offers and promotions offered by third parties (not by us) that are integral to BNZ Community discussion. If you decide to use these third-party offerings, you are responsible for reviewing and understanding the terms and conditions governing those products or services and ensuring you understand the risks. You agree that the third party, and not us, is responsible for performance of the services or the quality of any product.
Financial Advisers Act
If you are a financial adviser and are bound by the Financial Advisers Act 2008 (“FAA”), please ensure that you comply with the FAA when using BNZ Community. Users are personally responsible for ensuring they comply with their obligations under the FAA. For further guidance on the FAA, please see the Financial Markets Authority website www.fma.govt.nz.
Monitoring and moderation
Moderators may or may not investigate any complaint that is brought to their attention, and may or may not take appropriate action, including, but not limited to issuing warnings, moving or removing content, or suspending or terminating any user name and user account. Because situations and interpretations vary, it is possible that we may take no action whatsoever. The failure to act with respect to a violation by you or others does not waive the ability to act differently with respect to subsequent or similar violations. For more information please see the BNZ Community Guidelines.
Any statement or content which are uploaded by users (including any statements or content which relate or refer to BNZ, our Related Companies, or any of our products or services) are in no way endorsed by BNZ or our Related Companies.
Warnings, suspensions, and terminations
Moderators may communicate with you personally concerning your participation in BNZ Community or related matters. Those communications are confidential between you and us and are not intended to be made public. As such you agree not to post or otherwise disseminate those communications within BNZ Community or elsewhere, on the Internet or otherwise.
You agree that your registration and access to BNZ Community may be immediately suspended or terminated without explanation or prior notice. Without limiting the foregoing, the following may, at our sole discretion, lead to a termination of a user’s registration and access to BNZ Community:
- request by law enforcement or other government agencies;
- a request by you (self-initiated account deletions);
- unexpected technical issue or problem; and
- extended periods of inactivity.
Termination of your BNZ Community registration includes removal of access to all offerings within BNZ Community and may also prevent you from engaging in further use of BNZ Community. Furthermore, you agree that neither us nor the moderators shall be liable to you or any third-party for any termination of your registration or access to BNZ Community.
Rights to content
When you upload or submit content (such as text, data, images or names) to BNZ Community, you grant us a right to use, copy, modify, publish or otherwise distribute that content, including any personal information that may be included in the content, for any purpose, including, without limiting the foregoing, the administration and management of BNZ Community, marketing including in social media, analytical purposes, and new product or service development. The licence you grant us is perpetual, irrevocable, royalty-free, transferable, and we will not be required to obtain your permission for any such use or attribute any content to you.
We may independently use or create, or may have already independently used or created, ideas that are very similar, or even the same, as ideas that may be included in content you submit or upload to BNZ Community. We will not be liable to you for our use of any such similar or identical ideas, which have been (to our knowledge) independently created or submitted to us. In submitting content to BNZ Community, you expressly release us from any and all present and future claims that we have made unauthorised use of your idea.
We do not warrant that BNZ Community is secure, free from bugs, viruses, interruptions, errors, or other limitations. Any content that you place on BNZ Community is posted at your own risk, and could be obtained and used by others. You should think before posting any personal or financial details about yourself on BNZ Community. Do not reveal information that you do not want to make public, such as posts including your contact information or email address. We will not be responsible or liable for any loss arising from your disclosure of personal information, or any other information, in any profile or post.
Access and correction
Pursuant to the Privacy Act 1993 and other applicable laws, if you are an individual, you have rights to see and request correction of personal information about you held by BNZ. To obtain more information about how we manage information about you, or if you would like a copy of our relevant privacy policies, please contact us on 0800 ASK BNZ (275 269).
We reserve the right to instruct the moderators to remove any posts in BNZ Community containing phone numbers, street addresses, or otherwise personally identifying information on the grounds that we are not able to verify the information as being your personal information or that of a third party.
By submitting your email address to register, you agree that our third party service providers and the moderators may use your email address to contact you directly about your profile or any content you post on BNZ Community and for other administrative purposes related to BNZ Community.
You further agree that if you wish to collect or use information or content posted or relating to other BNZ Community users, you must first obtain the relevant user’s consent and make it clear that you (and not BNZ) are collecting their information, the reason for which you are collecting their information and explain the purpose for which the information will be used.
All third party content (content posted by registered users including any content within any postings) is the sole responsibility of the registered user posting the content. You acknowledge and agree that we do not control and are not responsible for the third party content. As such, you shall fully indemnify us against any claim (including solicitor fees) arising out of content you post or otherwise make available on BNZ Community, your use of BNZ Community or for any other liability arising connected with BNZ Community.
Limitation of liability
You agree that, to the maximum extent permitted by law, at no time will we (including our officers, directors, owners, employees, agents, representatives and assigns and the moderators) be liable for any costs, direct or indirect loss or damages, consequential loss, howsoever arising out of your use of BNZ Community, the content you or other users post or otherwise make available on BNZ Community (including, but not limited to, damages relating to loss of business, loss of money, telecommunications matters, exposure to any form of virus, bugs or such other malicious code, theft, damages or other losses you or any third party may suffer) regardless of whether the claim is based on breach of contract, breach of warranty, tort (including negligence), product liability or otherwise.
Choice of law and location for resolving disputes