To the extent possible we choose to carry out all transactions by means of electronic communication in accordance with the Australian ElectronicTransactions Act 1999 (Cth), New Zealand Electronic Transactions Act 2002 and any other relevant laws, regulations and codes. You consent to using electronic means to form, or agree, or agree to, or bind you to, legal obligations.Therefore, where you indicate through electronic means your agreement to, or acceptance of, terms and conditions, offers and other documents, you will be taken to have agreed to, or signed them.
You agree that anywhere We are required, by law or otherwise, to provide you with any documentation you consent to the provision of that document electronically through the links on this website or any other means We choose to use. Paper documents may no longer be given to you and you must regularly check your email, your Account or text messages for the documents.
To access etika 's services you will also need to agree to receive notices, information and other disclosures in electronic form. You also consent to receive notices, information and other disclosures in electronic form We choose to use through the links on this website or any other means.
The Site contains information and features that you can access and use, including borrowing and lending accounts and related services, monitoring your loans, participating in groups and any other features or content we may add in the future (the Services).
To be eligible to use Our services via the Site you must hold a New Zealand bank account and be eighteen (18) years of age or older (Eligibility Criteria). We may vary the Eligibility Criteria from time to time. By using the Service or the Site, you represent and warrant that you are 18 or older and have a New Zealand bank account. We may terminate your account (see below), delete your profile and any content or information that you have posted on the Site and/or prohibit you from using or accessing the Site without limitation if We believe that you do not comply with the Eligibility Criteria.
To access the full range of Our services and to view all the available details we require that you register an etika account (Account) (thereby becoming an Account holder) using a valid email, a username, a secure password and security question. Each registration is for a single user or joint users only where you are married orin a de facto relationship (Joint Registration). If you are eligible for JointRegistration and register an Account, you and your registering partner will beheld to be jointly and severally liable at all times. You must not share your username and password with any other person nor with multiple users on a network.
You are responsible for maintaining the confidentiality of your password and security question at all times. Please notify Us immediately of any unauthorised use or any other breach of security in relation to your Account.You may not use an Account held by any other individual or entity to access Our services at any time.
While we have made every effort to ensure that information is free from error, we do not warrant the accuracy, adequacy, suitability or completeness of Material on the etika Website. Use of the etika is at your own risk. Although we make every effort to keep our website a safe and stable environment, we do not guarantee that the etika Website will be free from viruses, that the etika Websites will be available, or that access to the etika Website will be uninterrupted. You are responsible for taking appropriate precautions for the protection of your computer system and data.
Cookies are small files of data that reside on your computer and allow us to recognise you as a customer if you return to the etika site using the same computer and browser.
Most web browsers automatically accept Cookies. You can find information specific to your browser under the “help” menu. You are free to decline ourCookies if your browser or browser add-on permits, unless our Cookies are required to prevent fraud or ensure the security of websites we control.However, declining our Cookies may interfere with your use of our Websites and etika Services.
Copyright in theMaterial on this website is owned by or licensed to etika.
You must not use any trade mark displayed on the etika Website in any way without our express written consent.
Unless otherwise stated, the information on the etika Websites is provided in compliance with New Zealand law and is only intended for persons within NewZealand. The etika Websites may not comply with the laws of countries other than New Zealand and is not directed at, and should not be relied upon by, persons in any other country.
Our office hours are Monday to Friday from 10am to 7pm (NZDT).