better banking

Terms of use

Website disclaimer

The information on this website is general information, and is not legal or financial advice. This website should be treated as a guide only. Please seek specific legal advice if you have legal questions or issues.

The Banking Ombudsman Scheme uses reasonable endeavours to ensure information featured on this website is reliable and accurate at time of publishing.

Neither the Banking Ombudsman Scheme nor any of its employees make any express or implied representations or give any warranties regarding the material or facilities contained or referred to in this website.


Links to third party websites

Any links to third party websites are provided for convenience only, and the inclusion of any link does not imply any endorsement or verification by the Banking Ombudsman Scheme. Responsibility for the content and privacy practices of third party websites rests solely with the owner of those sites.

The Banking Ombudsman Scheme does not in any way endorse any website, organisation, or person who has off-site links to this website.



This website contains information and tools you can browse and access without providing any personal details. Where you voluntarily provide personal details (eg through the online complaints forms or Current Account newsletter) we will only use that information for the purpose for which it was intended and to communicate with you. If you make a complaint, your information will usually be disclosed to the bank complained about to assist resolve your complaint against it.

Any personal information you submit is stored securely by the Banking Ombudsman Scheme (or a service provider contracted by the Banking Ombudsman Scheme for that purpose) and will not be disclosed to any third parties, except as required or permitted by law (including the Privacy Act 1993).

You have the right under the Privacy Act 1993 to access and/or correct your personal information held by the Banking Ombudsman Scheme.

If you want to access and/or correct your personal information held by the Banking Ombudsman Scheme, please email


Website statistics

The Banking Ombudsman Scheme may use cookies to collect data about each visit to this website. We may use that data to generate statistics about how the website is used (eg what pages are accessed, what documents are opened and what tools are used). This may assist us to understand what is important to users and further improve website performance and/or usefulness to users.

A cookie is a small piece of text stored on a user's computer by a web browser. It is sent by a web server to a web browser and then sent back unchanged by the browser each time it accesses that server and is used for remembering data about the computer user (such as IP address; dates and times of visits, pages accessed, documents opened and links clicked).


Governing law

These terms of use are governed by New Zealand law and the courts of New Zealand will have exclusive jurisdiction in relation to any proceedings relating to this website, its contents or these terms of use.


Amendments to terms of use

We may amend these terms of use in whole or in part from time to time. Amendments will be effective immediately upon posting of the amended terms of use on this website. You are responsible for ensuring you are familiar with the latest terms of use. Your continued use of the website represents your agreement to be bound by the terms of use as amended.