Terms of Use

1.1 These Terms of Use (“Terms”) govern your access to and use of the Creditors Bureau of New Zealand website (“Website”).

1.2 The Website is owned and operated by Creditors Bureau of New Zealand Limited (“CBNZ”, “we”, “our”, or “us”).

1.3 By accessing or using this Website, you agree to be bound by these Terms. If you do not agree, you should stop using the Website immediately.

1.4 These Terms apply only to your use of this Website. They do not replace or form part of any agreement between CBNZ and its clients or service providers.

2.1 We may update these Terms from time to time to reflect changes to our services, legal requirements or business practices.

2.2 Any updated version will be published on this Website and takes effect from the date it is published.

2.3 Your continued use of the Website after changes are published constitutes acceptance of the updated Terms.

3.1 You may use this Website only for lawful purposes.

3.2 You agree not to:

• •Use the Website in any way that breaches applicable law;
• •Interfere with or disrupt the operation or security of the Website;
• •Attempt to gain unauthorised access to any systems or information;
• •Introduce malicious software or other harmful code;
• •Use automated tools to scrape or extract data without our written permission;
• •Misuse any forms, contact methods or services provided through the Website.

4.1 The information on this Website is provided for general information about our services.

4.2 While we take reasonable care to ensure the information is accurate and current, we do not guarantee that all content is complete, accurate or up to date.

4.3 You should not rely solely on information published on this Website when making legal, financial or commercial decisions.

5.1 Nothing on this Website constitutes legal, financial or professional advice.

5.2 You should obtain independent professional advice where appropriate before acting on any information contained on this Website.

6.1 Submitting a debt through this Website does not create a contractual relationship between you and CBNZ.

6.2 CBNZ reserves the right, at its sole discretion, to accept or decline any debt submitted for collection.

6.3 Any collection services provided by CBNZ are subject to separate terms agreed with the creditor.

7.1 Unless otherwise stated, all content on this Website, including text, graphics, logos, branding, icons, images, software and design elements, is owned by or licensed to CBNZ.

7.2 You may view, download and print material from this Website for your own personal or internal business use.

7.3 You must not reproduce, distribute, modify, publish or commercially exploit any Website content without our prior written consent.

8.1 This Website may contain links to third-party websites for your convenience.

8.2 We do not control those websites and are not responsible for their content, availability or privacy practices.

8.3 Accessing third-party websites is at your own risk.

9.1 We aim to keep the Website available and functioning correctly.

9.2 However, we do not guarantee uninterrupted access or that the Website will always be free from errors, defects or security vulnerabilities.

9.3 We may suspend, modify or discontinue any part of the Website at any time without notice.

10.1 To the maximum extent permitted by New Zealand law, CBNZ excludes all liability for any direct, indirect, incidental or consequential loss or damage arising from your use of, or inability to use, this Website.

10.2 This includes loss arising from:

• •Reliance on Website content;
• •Website interruptions;
• •Technical failures;
• •Viruses or malicious software;
• •Unauthorised access to systems.

10.3 Nothing in these Terms limits any rights that cannot legally be excluded under New Zealand law.

11.1 Your use of this Website is also governed by our Privacy Policy.

11.2 Where you provide personal information through this Website, we will handle it in accordance with our Privacy Policy.

12.1 These Terms are governed by the laws of New Zealand.

12.2 Any dispute arising in connection with these Terms or this Website will be subject to the exclusive jurisdiction of the courts of New Zealand.