Consumer protection
This page contains different parts of laws about Consumer protection, within the topic of Money and consumer rights.
Related Plain Language Law
Weights and Measures Act 1987
This law's name and when it started working
1: Short Title and commencement
Weights and Measures Act 1987
Explaining important words and ideas in the Weights and Measures Act
2: Interpretation
Weights and Measures Act 1987
This law applies to everyone, including the government
3: Act to bind the Crown
Weights and Measures Act 1987
New Zealand uses metric units like kilograms and metres for measuring things
4: Metric standards of weights and measures
Weights and Measures Act 1987
Rules for keeping and marking official weights and measures
6: Reference standards
Weights and Measures Act 1987
Inspectors get special measuring tools to check if things are the right size or weight
7: Inspectors' working standards
Weights and Measures Act 1987
Rules about using metric measurements when buying and selling things
Weights and Measures Act 1987
Rules about using metric measurements for buying, selling, and making agreements
8: Obligations to use metric system of weights and measures
Weights and Measures Act 1987
You must use metric units when selling things in New Zealand
10: Obligation to use metric system in advertising goods for sale
Weights and Measures Act 1987
When you don't need to use metric measurements in ads for selling things
11: Exceptions to obligation to use metric weights and measures in advertising goods for sale
Weights and Measures Act 1987
Rules for selling things fairly: making sure you get what you pay for
Weights and Measures Act 1987
Sellers must tell you how much of a product you're actually getting
12: Obligation to sell goods by net weight or measure
Weights and Measures Act 1987
Seller must give you a note with details when delivering goods sold by weight or measure
13: Obligation in respect of invoice or delivery note
Weights and Measures Act 1987
Rules for counting items when you buy them
15: Counting of goods sold by retail
Weights and Measures Act 1987
It's against the law to give less than what someone paid for when selling things
16: Offence to supply short weight, measure, or number
Weights and Measures Act 1987
It's against the law to sell things with less inside than what the package says
16A: Offence to supply weight, measure, or number not in accordance with stated quantity
Weights and Measures Act 1987
It's wrong to lie about how much you're buying
17: Offence for purchaser to state incorrect weight, measure, or number
Weights and Measures Act 1987
Sellers must get a note about how much you're buying
18: Statement of true weight, etc, to be supplied to seller
Weights and Measures Act 1987
Weights and measures must show how much they can weigh or hold
19: Weights and measures to have contents marked
Weights and Measures Act 1987
Weights and measures used for trading need a special approval stamp
21: Weights and measures to be stamped with mark of verification
Weights and Measures Act 1987
Automatic machines don't need to follow some weighing and measuring rules
22: Sections 20 and 21 not to apply to automatic weighing or dispensing machines
Weights and Measures Act 1987
Telling someone their scales or measuring tools don't follow the rules
23: Notification of non-compliance
Weights and Measures Act 1987
It's against the law to use or keep incorrect measuring tools for business
24: Offence to use or possess false or unjust weight or measure
Weights and Measures Act 1987
People who check if weights and measures are correct
26: Inspectors of Weights and Measures
Weights and Measures Act 1987
Inspectors can check shops and vehicles to make sure weights and measures are fair
28: Powers of Inspectors
Weights and Measures Act 1987
You might be responsible if your workers break weight and measure rules
31: Liability of principal for acts of agents, etc
Weights and Measures Act 1987
Rules about pretending to be inspectors and using fake stamps or marks on weights and measures
32: Offences
Weights and Measures Act 1987
What happens when you break weight and measure rules
32A: Infringement offences
Weights and Measures Act 1987
Rules for giving out and handling fines for breaking weight and measure laws
32B: Procedural requirements relating to infringement notices
Weights and Measures Act 1987
How to pay fines for breaking rules about weights and measures
32C: Payment of infringement fees
Weights and Measures Act 1987
What happens if you break the weights and measures rules
33: Penalties
Weights and Measures Act 1987
Court can make you fix mistakes if you sell less than promised
35: Court may order offender to make good any deficiency
Weights and Measures Act 1987
The law assumes weights and measures at work are for trading
37: Presumption as to possession of weights, measures, etc, for use for trade
Weights and Measures Act 1987
This law doesn't cover measuring water, electricity, or gas (except liquid LPG)
38: Act not to apply to water, electricity, or gas
Weights and Measures Act 1987
Getting your seized stuff back if you think it's fair
39: Restoration of articles seized
Weights and Measures Act 1987
What happens to things taken away if they might not be correct
40: Disposal of articles seized
Weights and Measures Act 1987
Rules about getting money back for spoiled food taken by officials
40A: Compensation for loss of perishable goods
Weights and Measures Act 1987
Rules for fair and accurate weights and measures in New Zealand
41: Regulations
Weights and Measures Act 1987
Rules for checking if package contents match their labels
41A: Regulations for purposes of section 16A(3)
Weights and Measures Act 1987
Rules about paying for checking weights and measures
42: Fees
Weights and Measures Act 1987
List of official measurements used in New Zealand
Schedule 2: Standards of weights and measures
Weights and Measures Act 1987
This law explains how weights and measures keep buying and selling fair for everyone
1A: Purpose
Weights and Measures Act 1987
Rules for weighing and measuring goods in shops
15A: Weighing and measuring of goods sold by retail
Weights and Measures Act 1987
Some special weighing or measuring tools used in trade need a paper to show they're correct
22B: Certificate of accuracy required for certain weighing or measuring instruments
Financial Service Providers (Registration and Dispute Resolution) Act 2008
Helping you understand and trust money matters
Financial Service Providers (Registration and Dispute Resolution) Act 2008
This law explains who needs to be registered to provide money services and how to handle complaints
3: Overview
Financial Service Providers (Registration and Dispute Resolution) Act 2008
Words and their meanings in this law about money services
4: Interpretation
Financial Service Providers (Registration and Dispute Resolution) Act 2008
What counts as a financial service in this law
5: Meaning of financial service
Financial Service Providers (Registration and Dispute Resolution) Act 2008
Signing up and staying on the list of money helpers
Financial Service Providers (Registration and Dispute Resolution) Act 2008
This part explains why we keep a list of money helpers and make sure they follow the rules
9: Purpose of this Part
Financial Service Providers (Registration and Dispute Resolution) Act 2008
Financial service businesses must register and join a special group to handle complaints
11: Person in business of providing financial service must be registered and member of approved dispute resolution scheme
Financial Service Providers (Registration and Dispute Resolution) Act 2008
You can only say you're a registered financial service provider if you really are
12: No holding out that in business of providing financial service unless registered and member of approved dispute resolution scheme
Financial Service Providers (Registration and Dispute Resolution) Act 2008
What you need to be a registered financial service provider
13: Qualifications for registration as financial service provider
Financial Service Providers (Registration and Dispute Resolution) Act 2008
How the Registrar signs you up as a financial service provider
16: Registration of financial service provider
Financial Service Providers (Registration and Dispute Resolution) Act 2008
Financial service providers must tell the Registrar about important changes
17: Duty to notify changes relating to financial service provider
Financial Service Providers (Registration and Dispute Resolution) Act 2008
How a financial service provider can be removed from the register
18: Deregistration of financial service provider
Financial Service Providers (Registration and Dispute Resolution) Act 2008
How financial service providers can say no to being removed from the list
20: Objection to proposed deregistration of financial service provider
Financial Service Providers (Registration and Dispute Resolution) Act 2008
What is the list of financial service providers for and how does it help people?
26: Purposes of register
Financial Service Providers (Registration and Dispute Resolution) Act 2008
List of important details about financial service providers kept in an official record
27: Contents of register
Financial Service Providers (Registration and Dispute Resolution) Act 2008
How the Registrar can check if you're following the rules for financial services
37: Registrar’s inspection powers
Financial Service Providers (Registration and Dispute Resolution) Act 2008
Solving money arguments: How to fix problems between customers and money businesses
Financial Service Providers (Registration and Dispute Resolution) Act 2008
This part explains how to get help if you have problems with money companies
47: Purpose of this Part
Financial Service Providers (Registration and Dispute Resolution) Act 2008
What an approved dispute resolution scheme is and how it works
50: Meaning of approved dispute resolution scheme
Financial Service Providers (Registration and Dispute Resolution) Act 2008
Asking for approval to run a complaint-solving service
51: Application for approval
Financial Service Providers (Registration and Dispute Resolution) Act 2008
Things the Minister must think about before saying yes to a new way of solving money problems
52: Mandatory considerations for approval
Financial Service Providers (Registration and Dispute Resolution) Act 2008
You can try again if your application for a dispute resolution scheme is not approved
55: Reapplication by unsuccessful applicant
Financial Service Providers (Registration and Dispute Resolution) Act 2008
The government can stop a dispute resolution scheme if it doesn't follow the rules
56: Withdrawal of approval
Financial Service Providers (Registration and Dispute Resolution) Act 2008
The Government tells a complaint-handling group they might lose their approval
57: Notice of intention to withdraw approval
Financial Service Providers (Registration and Dispute Resolution) Act 2008
What happens to members when a dispute resolution scheme loses approval
61: Effect of withdrawal of approval on members of dispute resolution scheme
Financial Service Providers (Registration and Dispute Resolution) Act 2008
Scheme managers must show everyone who belongs to their group online
62: List of members
Financial Service Providers (Registration and Dispute Resolution) Act 2008
Rules for solving problems between financial companies and customers
Financial Service Providers (Registration and Dispute Resolution) Act 2008
Rules for solving problems with financial service providers
63: Rules about approved dispute resolution scheme
Financial Service Providers (Registration and Dispute Resolution) Act 2008
Dispute scheme bosses must show the rules to everyone
64: Obligation to publish rules
Financial Service Providers (Registration and Dispute Resolution) Act 2008
The Minister decides if changes to dispute resolution rules are okay
66: Minister's consideration of change of rules
Financial Service Providers (Registration and Dispute Resolution) Act 2008
The public can see reports about how complaints are handled
70: Annual report and information requested by Minister to be publicly available
Financial Service Providers (Registration and Dispute Resolution) Act 2008
The rule about having a backup plan for solving money problems is no longer used
72: Appointment of reserve scheme
Financial Service Providers (Registration and Dispute Resolution) Act 2008
When a backup plan for money help can be cancelled
73: Revocation of appointment as reserve scheme
Financial Service Providers (Registration and Dispute Resolution) Act 2008
Telling a backup problem-solver they might lose their job
74: Notice of intention to recommend revocation of appointment as reserve scheme under section 73(2)(a) or (b)
Financial Service Providers (Registration and Dispute Resolution) Act 2008
You used to be able to disagree if someone wanted to remove a financial service provider from a list, but this rule no longer exists.
75: Objection to intended recommendation for revocation
Financial Service Providers (Registration and Dispute Resolution) Act 2008
Rules for settling money arguments with financial companies
79: Regulations under this Part
Financial Service Providers (Registration and Dispute Resolution) Act 2008
What it means to run a business that offers money-related help to people
6: Meaning of in the business of providing a financial service
Financial Service Providers (Registration and Dispute Resolution) Act 2008
Financial service providers need to join a special group that handles customer complaints
48: Financial service provider must be member of dispute resolution scheme
Financial Service Providers (Registration and Dispute Resolution) Act 2008
Working together and sharing important information when handling money complaints
67: Duty to co-operate and communicate information in certain circumstances
Financial Service Providers (Registration and Dispute Resolution) Act 2008
Minister can ask for more details about dispute resolution schemes
69: Person responsible for approved dispute resolution scheme must supply further information on Minister’s request
Financial Service Providers (Registration and Dispute Resolution) Act 2008
People who need extra protection when using financial services
49: Who are retail clients
Financial Service Providers (Registration and Dispute Resolution) Act 2008
People who want fewer protections when getting money help
49A: Who are eligible investors
Financial Service Providers (Registration and Dispute Resolution) Act 2008
When someone says they're a big business customer, you need to check they really understand what that means
49B: Acceptance of certification
Financial Service Providers (Registration and Dispute Resolution) Act 2008
How to cancel your special investor status with a financial company
49C: Revocation of certification
Financial Service Providers (Registration and Dispute Resolution) Act 2008
How to tell your financial service provider you don't want to be a wholesale client anymore
49D: How to opt out of being wholesale client
Financial Service Providers (Registration and Dispute Resolution) Act 2008
Telling a financial service provider you're cancelling approval or opting out of their dispute service
49E: Giving revocation of certification or notification of opt out
Financial Service Providers (Registration and Dispute Resolution) Act 2008
Breaking the law if you don't follow a court order about solving problems with customers
49G: Offence to fail to comply with District Court order
Financial Service Providers (Registration and Dispute Resolution) Act 2008
Removed rule about money for a special service that helped with money problems
72A: Reserve scheme: rules about fees and charges
Financial Service Providers (Registration and Dispute Resolution) Act 2008
Money penalties for breaking rules about selling to businesses
Financial Service Providers (Registration and Dispute Resolution) Act 2008
Money penalty for breaking wholesale certification rules
79A: Pecuniary order for contravening wholesale certification requirement
Financial Service Providers (Registration and Dispute Resolution) Act 2008
Court can order payment for breaking wholesale certification rules
79B: Compensation for contravention of wholesale certification requirement
Financial Service Providers (Registration and Dispute Resolution) Act 2008
This law aims to make money-related activities safe, fair, and easy to understand for everyone
2A: Purposes of this Act
Financial Service Providers (Registration and Dispute Resolution) Act 2008
The FMA can stop people from registering as financial providers if it might mislead others
15A: Purpose of FMA's powers relating to registration
Financial Service Providers (Registration and Dispute Resolution) Act 2008
Why the FMA can remove someone from the financial service providers list
18A: Purpose of FMA's powers relating to deregistration
Financial Service Providers (Registration and Dispute Resolution) Act 2008
FMA can check if a financial service provider should be taken off the list
18B: Consideration of deregistration of financial service provider by FMA
Financial Service Providers (Registration and Dispute Resolution) Act 2008
Rules for switching to new laws about money services
Schedule 1AA: Transitional, savings, and related provisions
Financial Service Providers (Registration and Dispute Resolution) Act 2008
You don't need to sign up twice for some money-related jobs if you're already signed up for similar work
12A: Registration for certain overlapping services not required
Financial Service Providers (Registration and Dispute Resolution) Act 2008
When and how your registration as a financial service provider can be paused
22B: Suspension of registration
Financial Service Providers (Registration and Dispute Resolution) Act 2008
Financial advisers can lose their registration if they don't work with a provider for a long time
22D: Financial adviser may be deregistered if not engaged by provider for extended period
Financial Service Providers (Registration and Dispute Resolution) Act 2008
A simple guide to who hires a financial adviser when they work through someone else
44A: Who financial adviser is treated as engaged by when engaged indirectly
Financial Service Providers (Registration and Dispute Resolution) Act 2008
When a financial adviser doesn't need to join a complaint-handling group
48A: When financial adviser is exempt from being member
Financial Service Providers (Registration and Dispute Resolution) Act 2008
How the Commerce Commission can share information about some businesses
23: Information-sharing provisions between Registrar and Commission
Financial Service Providers (Registration and Dispute Resolution) Act 2008
Tell the Commerce Commission if you think a mobile trader might be breaking credit laws
67A: Duty to communicate information about mobile traders
Sentencing Act 2002
What happens to the money if a leased car is sold and the lessor didn't apply to the court first?
140A: What happens if lessor does not apply to Registrar before motor vehicle sold or disposed of
Oranga Tamariki Act 1989
You only pay to fix or replace what's lost or damaged, not for other extra costs.
287: Reparation limited to direct loss
Trade Marks Act 2002
Lying about trade marks is against the law
186: Offences relating to false representation of trade mark
Trade Marks Act 2002
Getting your goods back after they were held for possibly having fake brand names
135B: Release of goods
Local Government Act 2002
Special rules help keep some deals and agreements safe and fair.
Local Government Act 2002
Local councils can set fees for certain services, but there are rules about how they do it
150: Fees may be prescribed by bylaw
Local Government Act 2002
Getting your money or land back if you cancel your building project
209: Refund of money and return of land if development does not proceed
Local Government Act 2002
How you can see and read the special rules included in the law
259H: Access to standards incorporated by reference
Local Government Act 2002
What you can argue about when you think the council made a mistake asking you for money to build things in your neighbourhood
199D: Scope of development contribution objections
Local Government Act 2002
Rules for fair sharing of costs for new community facilities
197AB: Development contributions principles
Income Tax Act 2007
Handling payments made after a hire purchase agreement has ended
CC 13: Amounts paid in income years after hire purchase agreement ends
Income Tax Act 2007
Think about the rules when money is involved in deals for property or services.
Gambling Act 2003
You must be told the value of non-cash prizes when you buy gambling tickets.
17A: Retail value of non-cash prize must be stated
Search and Surveillance Act 2012
Changes are made to the law about credit contracts and consumer finance.
Search and Surveillance Act 2012
Changing the rules about credit contracts and consumer finance
314: Amendment to Credit Contracts and Consumer Finance Act 2003
Search and Surveillance Act 2012
Changes are made to the Fair Trading Act 1986 to improve it.
Search and Surveillance Act 2012
Changes are made to the law that supervises insurance companies.
Civil Aviation Act 1990
How much money you might get if something goes wrong with your flight
91H: Value of special drawing right
Civil Aviation Act 1990
Airlines can't change rules about paying you if something goes wrong
91ZD: Contracting out
Civil Aviation Act 1990
Rules for buying and drinking alcohol at airports for international travellers
96: Sale of alcohol at international airports
Smokefree Environments and Regulated Products Act 1990
No advertising for some products allowed
23: Publishing regulated product advertisement prohibited
Smokefree Environments and Regulated Products Act 1990
Rules for packaging of certain products to keep you safe
50: Standardised packaging of regulated products
Smokefree Environments and Regulated Products Act 1990
When a product is not safe, the government can make the maker take it back.
73: Recall
Resource Management Act 1991
Paying back costs for emergency work or getting compensation for damage
331: Reimbursement or compensation for emergency works
Resource Management Act 1991
If you don't pay the costs, they might stop working on your case until you do.
149ZG: Process may be suspended if costs outstanding
Crown Minerals Act 1991
Money for land owners and users if mining affects their land
76: Compensation for owners and occupiers
Crown Minerals Act 1991
What happens when you want to buy minerals but don't know who owns them
79: Absentee or unknown owner of minerals
Child Support Act 1991
The court can undo property moves made to avoid paying child support
201: Dispositions may be set aside
Electricity Industry Act 2010
Who counts as part of an electricity company under the law
Schedule 2: When person is involved in industry participant for purposes of section 6A
Electricity Industry Act 2010
Explaining important words and roles in electricity rules
5: Interpretation
Electricity Industry Act 2010
What counts as breaking a rule in this law
6: Extended meaning of breach
Electricity Industry Act 2010
Some people or groups don't have to sign up as electricity industry participants
10: Exemption from obligation to register
Electricity Industry Act 2010
Sometimes you don't have to follow the Electricity Industry Code
11: Exemption from obligation to comply with Code
Electricity Industry Act 2010
How to complain about electricity companies
95: Complaints about Transpower, distributors, and retailers
Electricity Industry Act 2010
Rules for joining a group that helps solve customer problems in the electricity industry
96: Membership of dispute resolution scheme
Electricity Industry Act 2010
Following the rules and decisions of your dispute resolution group
97: Compliance with rules and binding settlements
Electricity Industry Act 2010
Rules and punishments for trustees who break the law
104: Offences, enforcement, and application of sections 99 to 103
Electricity Industry Act 2010
Rules for fair electricity prices and good customer service
113: Regulations about tariffs and other consumer issues
Electricity Industry Act 2010
Changes made to rules about business and trade
145: Amendments to Commerce Act 1986
Electricity Industry Act 2010
Rules for setting prices on different goods and services
147: Matters covered by input methodologies
Electricity Industry Act 2010
How to settle disagreements about who pays for electricity supply problems
95A: Indemnity disputes
Wildlife Act 1953
Rules for hunting game on private land in New Zealand
19: Licence to hunt or kill game
Electricity Act 1992
Rules about how much electricity costs and what happens if someone breaks those rules
Electricity Act 1992
What counts as a home for electricity pricing has changed
64: Definition of domestic premises
Electricity Act 1992
Rules about money records for groups that help customers and communities
Electricity Act 1992
Rules about how people who benefit from community and customer trusts can access information
Food Act 2014
Breaking the law by lying about food or changing it to deceive people
227: Offences involving intentionally defeating purpose of Act or deceiving in relation to identifying or representing food
Food Act 2014
Breaking food rules: lying about what's in your food or where it comes from is against the law.
228: Offences involving identifying or representing food
Food Act 2014
Reviewer can make you pay costs if you waste the other party's time or money.
360: Reviewer may require payment of costs in review of decision by relevant territorial authority
Building Act 2004
You don't need to pay more money for building work unless the cost of the work changes after you've already paid.
56: Payment of levy sufficient unless estimated value of building work changes
Building Act 2004
Rules about old fees and costs still apply, even if they were charged before this law was made
281D: Validity of previous fees, charges, and additional costs
Building Act 2004
This part doesn't change your rights as a shopper under other laws that protect you.
362C: Consumer rights under Fair Trading Act 1986 or Consumer Guarantees Act 1993 not affected by this Part
Building Act 2004
Selling a house without a code compliance certificate can get you in trouble with the law.
362V: Offence for commercial on-seller to transfer household unit without code compliance certificate
Building Act 2004
You can get in trouble if you sell or bring in building products without following the rules about sharing information.
362VB: Failure to comply with building product information requirements an offence
Charitable Trusts Act 1957
Tell everyone about changes to a charitable trust before the court decides
36: Scheme to be advertised
Charitable Trusts Act 1957
You can ask for your donation back before the meeting about changing the charity's purpose
49: Contributor may get back money before date fixed for first meeting of contributors
Charitable Trusts Act 1957
Attorney-General or court can change how meetings about charity money are held or skip them if not worth the trouble
50: Attorney-General or court may dispense with meeting of contributors
Consumer Guarantees Act 1993
This law's name and when it started working
1: Short Title and commencement
Consumer Guarantees Act 1993
This part explains what important words mean in this law
2: Interpretation
Consumer Guarantees Act 1993
This law applies to everyone, including the government
3: Act to bind the Crown
Consumer Guarantees Act 1993
This law works with other laws to protect you
4: Act not a code
Consumer Guarantees Act 1993
Promises sellers make about who owns the things they sell you
5: Guarantees as to title
Consumer Guarantees Act 1993
Goods you buy should be good enough to use
6: Guarantee as to acceptable quality
Consumer Guarantees Act 1993
What it means for something you buy or hire to be good enough
7: Meaning of acceptable quality
Consumer Guarantees Act 1993
Products must work for what you want to use them for
8: Guarantees as to fitness for particular purpose
Consumer Guarantees Act 1993
Sellers must make sure what you buy matches how it was described
9: Guarantee that goods comply with description
Consumer Guarantees Act 1993
Goods must match the sample or demo you saw when buying
10: Guarantee that goods comply with sample
Consumer Guarantees Act 1993
A promise that you won't be charged too much when buying something
11: Guarantee as to price
Consumer Guarantees Act 1993
Makers must provide repairs and parts for a reasonable time
12: Guarantee as to repairs and spare parts
Consumer Guarantees Act 1993
Promises made by product makers must be kept
13: Express guarantees
Consumer Guarantees Act 1993
Rules for promises made by companies who make things you buy
14: Provisions relating to manufacturers' express guarantees
Consumer Guarantees Act 1993
Goods you get as part of a service still have to be good quality
15: Contracts of work and materials
Consumer Guarantees Act 1993
When a seller's product doesn't meet promises, you can ask them to fix it
16: Circumstances where consumers have right of redress against suppliers
Consumer Guarantees Act 1993
When goods are good enough, but someone said something extra that made them seem better
17: Exception in respect of guarantee as to acceptable quality
Consumer Guarantees Act 1993
What you can do if something you bought doesn't work properly
18: Options against suppliers where goods do not comply with guarantees
Consumer Guarantees Act 1993
The seller must fix problems with things you buy
19: Requirement to remedy
Consumer Guarantees Act 1993
Rules about when you can return things you bought that aren't right
Consumer Guarantees Act 1993
You can't return goods if you don't follow the rules for returning them
20: Loss of right to reject goods
Consumer Guarantees Act 1993
When a product is really not what you expected or doesn't work properly
21: Failure of substantial character
Consumer Guarantees Act 1993
How to tell a shop you don't want their stuff anymore
22: Manner of rejecting goods
Consumer Guarantees Act 1993
When something you bought is bad, you can choose to get your money back or get a new one
23: Consumers' options of refund or replacement
Consumer Guarantees Act 1993
People who get gifts have the same rights as if they bought the item themselves
24: Rights of donees
Consumer Guarantees Act 1993
When you can ask the maker to fix or replace things they sold you that don't work properly
Consumer Guarantees Act 1993
The right to seek help from makers when something you bought isn't good
Consumer Guarantees Act 1993
When you can ask the maker of a product to fix problems with it
25: Circumstances where consumers have right of redress against manufacturers
Consumer Guarantees Act 1993
When you can't ask the maker to fix a faulty product
26: Exceptions to right of redress against manufacturers
Consumer Guarantees Act 1993
What you can do if something you bought doesn't work properly
27: Options against manufacturers where goods do not comply with guarantees
Consumer Guarantees Act 1993
Getting Things Done for You: Making Sure Services Are Good and Fair
Consumer Guarantees Act 1993
Services must be done carefully and properly
28: Guarantee as to reasonable care and skill
Consumer Guarantees Act 1993
Guarantee that a service will do what you ask for
29: Guarantee as to fitness for particular purpose
Consumer Guarantees Act 1993
Services must be finished on time
30: Guarantee as to time of completion
Consumer Guarantees Act 1993
A fair price guarantee for services when the price isn't already set
31: Guarantee as to price
Consumer Guarantees Act 1993
What you can do if a service doesn't meet the promised quality
Consumer Guarantees Act 1993
What you can do if a service doesn't meet the promises made to you
32: Options of consumers where services do not comply with guarantees
Consumer Guarantees Act 1993
When you can't ask the supplier to fix a problem with a service
33: Exceptions to right of redress against supplier in relation to services
Consumer Guarantees Act 1993
Your rights when someone does work and provides materials
34: Contracts of work and materials
Consumer Guarantees Act 1993
When you buy something with a small service included, you can't cancel just the service part
35: Application of right to cancel contract
Consumer Guarantees Act 1993
When a service you get has a really big problem
36: Failure of substantial character
Consumer Guarantees Act 1993
How to properly cancel a service contract
37: Rules applying to cancellation
Consumer Guarantees Act 1993
What happens when you cancel a service contract
38: Effects of cancellation
Consumer Guarantees Act 1993
Courts and Tribunals can help make things fair when you cancel a service
39: Ancillary power of court or Disputes Tribunal to grant relief
Consumer Guarantees Act 1993
When this law doesn't work: gifts from friends and charity help
41: Exceptions
Consumer Guarantees Act 1993
When makers don't have to provide repairs and parts for things you buy
42: Exception in respect of repairs and parts
Consumer Guarantees Act 1993
You must follow the Act's rules, except for some business deals
43: No contracting out except for business transactions
Consumer Guarantees Act 1993
When you can stop someone who didn't make a deal with you from being responsible
43A: Exclusion of liability in favour of non-contracting supplier
Consumer Guarantees Act 1993
How to get money back for faulty items bought on a payment plan
44: Assessment of damages in case of hire purchase agreements
Consumer Guarantees Act 1993
Who is responsible when promises are made about goods you buy
45: Liability for representations
Consumer Guarantees Act 1993
Who has to pay if there's a problem with something you bought
46: Liability of assignees and creditors
Consumer Guarantees Act 1993
Which court can help you with problems about things you bought?
47: Jurisdiction
Consumer Guarantees Act 1993
When the Consumer Guarantees Act applies, different rules are used instead of the Sale of Goods Act
48: Exclusion where Consumer Guarantees Act 1993 applies
Consumer Guarantees Act 1993
Changes made to the rules about buying things on payments over time
Consumer Guarantees Act 1993
This rule about consumer rights for hire purchases no longer exists
49: Exclusion where Consumer Guarantees Act 1993 applies
Consumer Guarantees Act 1993
How a special fund for car dealers has changed
50: Application of Motor Vehicle Dealers Fidelity Guarantee Fund
Consumer Guarantees Act 1993
What the Disputes Tribunal can and can't decide
51: Jurisdiction of Disputes Tribunal
Consumer Guarantees Act 1993
When you have a problem with a car, you can ask a special helper to solve it
52: Referral of certain disputes to Disputes Tribunal
Consumer Guarantees Act 1993
This part explains how the law deals with people who take over others' rights
53: Assignees
Consumer Guarantees Act 1993
Changes to another law are saved and included in that law
54: Savings
Consumer Guarantees Act 1993
These changes don't change how the Fair Trading Act and Consumer Guarantees Act work
55: Fair Trading Act 1986 and Consumer Guarantees Act 1993 not affected
Consumer Guarantees Act 1993
This law doesn't work for stuff you bought or services you hired before it started
56: Application of Act
Consumer Guarantees Act 1993
This law explains how to make buying and selling fair for everyone
1A: Purpose
Consumer Guarantees Act 1993
What happens when you buy things using a special credit deal set up by the seller
23A: Goods subject to collateral credit agreement
Consumer Guarantees Act 1993
Rules for cancelling a service you bought with a special payment plan
39A: Services subject to collateral credit agreement
Consumer Guarantees Act 1993
Goods must be delivered on time or you can ask for help
5A: Guarantee as to delivery
Consumer Guarantees Act 1993
Gas and electricity must be safe, reliable, and good enough for everyday use
7A: Guarantee of acceptable quality in supply of gas and electricity
Consumer Guarantees Act 1993
How section 7A works with the rest of the Consumer Guarantees Act
7B: Relationship of section 7A with rest of Act
Consumer Guarantees Act 1993
Gas and electricity sellers can get money back from pipe and line owners if there are problems
46A: Indemnification of gas and electricity retailers
Companies Act 1993
When a company buys your shares and how it affects your shareholder rights
112C: Timing of transfer of shares
Companies Act 1993
Rules for offering special deals to company owners
55: Shareholder discounts
Companies Act 1993
Company rule changes can't force you to buy more shares
101: Shareholders not required to acquire shares by alteration to constitution
Companies Act 1993
Shareholders' rights: who can receive money, attend meetings, and make decisions
125: Shareholders entitled to receive distributions, attend meetings, and exercise rights
Companies Act 1993
Actions that can be unfair to shareholders
175: Certain conduct deemed prejudicial
Companies Act 1993
Required records that companies must keep and where to keep them
189: Company records
Companies Act 1993
Companies must provide shareholders with annual reports or notices about accessing them
209: Obligation to make annual report available to shareholders
Companies Act 1993
What you need to include in your company's yearly report
211: Contents of annual report
Companies Act 1993
How companies get approval to join together
221: Approval of amalgamation proposal
Companies Act 1993
Essential services must be provided to companies in liquidation
275: Refusal to supply essential services prohibited
Companies Act 1993
Directors can be fined if the company breaks rules
374: Penalties that may be imposed on directors in cases of failure by board or company to comply with Act
Companies Act 1993
How companies send documents to shareholders and creditors
391: Service of documents on shareholders and creditors
Companies Act 1993
Auditors must follow official standards when checking company finances
207A: Audit must be carried out in accordance with auditing and assurance standards
Companies Act 1993
Rules for changing or combining code companies that affect voting rights
236A: Arrangement or amalgamation involving code company
Financial Markets Authority Act 2011
This Act creates a new group to watch over money matters in New Zealand
3: Purpose of this Act
Financial Markets Authority Act 2011
Understanding key terms in the Financial Markets Authority Act
4: Interpretation
Financial Markets Authority Act 2011
The government must follow this law just like everyone else
5: Act binds the Crown
Financial Markets Authority Act 2011
Setting up and running the group that watches over money matters
Financial Markets Authority Act 2011
New government team created to watch over money matters
6: Financial Markets Authority established
Financial Markets Authority Act 2011
The main goals and jobs of the Financial Markets Authority
Financial Markets Authority Act 2011
The Financial Markets Authority (FMA) helps make sure money markets are fair and safe for everyone
9: FMA's functions
Financial Markets Authority Act 2011
How many people can be on the FMA board?
10: Membership of board of FMA
Financial Markets Authority Act 2011
FMA board can have special helpers chosen by the Minister
11: Associate members
Financial Markets Authority Act 2011
Associate members can do FMA board tasks, but only for specific topics
12: Associate member treated as member of board
Financial Markets Authority Act 2011
Rules about different parts of the Financial Markets Authority
Financial Markets Authority Act 2011
The FMA can split up its work into different teams
14: FMA may act by divisions
Financial Markets Authority Act 2011
Rules for setting up and running groups within the Financial Markets Authority
15: Membership, chairperson, meetings, and resolutions of division
Financial Markets Authority Act 2011
The FMA can use smaller groups to make decisions and do tasks
16: Powers of division
Financial Markets Authority Act 2011
How many FMA members must attend meetings for decisions to be made
17: Quorum for meetings of FMA
Financial Markets Authority Act 2011
What happens if someone can't make it to an important FMA meeting?
18: Completion of proceedings where member unable to attend meeting
Financial Markets Authority Act 2011
Minister can ask FMA to check and write about money markets
20: Minister may request that FMA inquire and report
Financial Markets Authority Act 2011
FMA and its people can't be sued for doing their job unless they were really careless
22: Protection from liability for FMA and members and employees
Financial Markets Authority Act 2011
The FMA can share information safely while doing its job
23: FMA's warnings, reports, guidelines, or comments protected by qualified privilege
Financial Markets Authority Act 2011
How the FMA proves its decisions in court
24: Evidence of orders and decisions of FMA
Financial Markets Authority Act 2011
How the FMA can gather information and enforce rules to keep financial markets fair
Financial Markets Authority Act 2011
Financial Markets Authority Act 2011
The authority can ask for and collect important information and proof.
Financial Markets Authority Act 2011
FMA can ask you for information, papers, or to talk to them
25: FMA may require person to supply information, produce documents, or give evidence
Financial Markets Authority Act 2011
The FMA can collect different types of information to help make decisions
26: Powers of FMA to receive evidence
Financial Markets Authority Act 2011
Ways you can share information with the FMA
27: How evidence may be given
Financial Markets Authority Act 2011
The FMA might pay you if you're a witness, but not too much
28: Witnesses' expenses
Financial Markets Authority Act 2011
FMA can allow searches of places and things to find proof of broken financial rules
29: Power to enter and search place, vehicle, or other thing
Financial Markets Authority Act 2011
Financial Markets Authority Act 2011
The FMA can share information and documents with other agencies that enforce laws or regulate things, including those in other countries.
Financial Markets Authority Act 2011
FMA can share information with other agencies to help everyone do their job better
30: Sharing of information and documents with law enforcement or regulatory agencies and overseas regulators
Financial Markets Authority Act 2011
The ability to help when regulators from other countries ask for assistance
Financial Markets Authority Act 2011
FMA can help overseas regulators by gathering and sharing information
31: Power of FMA to act on requests of overseas regulators
Financial Markets Authority Act 2011
The FMA carefully considers requests from overseas before deciding to help
32: FMA's consideration of requests
Financial Markets Authority Act 2011
Rules about collecting information and making sure people follow the law
Financial Markets Authority Act 2011
Rules for sharing FMA information with other groups
33: Conditions that may be imposed on providing information, documents, or evidence to other agencies or regulators
Financial Markets Authority Act 2011
Financial Markets Authority Act 2011
FMA can take legal action for someone else to protect the public
34: FMA may exercise person’s right of action
Financial Markets Authority Act 2011
Rules for when the FMA can start or take over a legal case for someone else
35: Requirements for FMA exercising person’s right of action
Financial Markets Authority Act 2011
The court can let the FMA take over some legal cases if it's best for everyone
36: High Court may grant leave in certain circumstances
Financial Markets Authority Act 2011
Steps the FMA must follow to take action for someone else
37: Procedural requirements for leave to exercise person’s right of action
Financial Markets Authority Act 2011
Court helps FMA in legal cases about money matters
38: Powers of High Court for proceedings exercising person’s right of action
Financial Markets Authority Act 2011
FMA can act for a group of people with similar concerns in court
39: Representative actions
Financial Markets Authority Act 2011
Financial Markets Authority Act 2011
FMA can keep certain information secret during their work
44: Power to make confidentiality orders
Financial Markets Authority Act 2011
You can share secret information if the FMA says it's okay
45: Publication or disclosure with FMA's consent
Financial Markets Authority Act 2011
FMA can accept written promises from people or companies about their work
46: FMA may accept undertakings
Financial Markets Authority Act 2011
Keeping promises made to the FMA and what happens if you don't
47: Enforcement of undertakings
Financial Markets Authority Act 2011
Asking the High Court for its opinion on a legal matter
Financial Markets Authority Act 2011
FMA can ask the High Court for help with tricky legal questions
48: FMA may state case for opinion of High Court
Financial Markets Authority Act 2011
FMA can make people share its money warnings
49: FMA may require its warning to be disclosed
Financial Markets Authority Act 2011
Financial Markets Authority Act 2011
FMA can let others collect information for them
52: Power to authorise person to obtain information or documents
Financial Markets Authority Act 2011
Rules for people allowed to get special information for the FMA
53: Requirements for persons authorised to obtain information or documents
Financial Markets Authority Act 2011
People working for the FMA won't get in trouble for doing their job
55: Protection from liability for persons exercising powers
Financial Markets Authority Act 2011
Powers to gather information and protect certain rights
Financial Markets Authority Act 2011
People talking to the FMA have the same rights as in court
56: Witnesses and counsel to have privileges of witnesses and counsel in court
Financial Markets Authority Act 2011
What happens when legal actions are going on while powers are being used
Financial Markets Authority Act 2011
What happens when you challenge the FMA's powers in court
57: Effect of proceedings
Financial Markets Authority Act 2011
Other ways people can break the rules when the FMA is gathering information or making sure the rules are followed
Financial Markets Authority Act 2011
You can get in trouble if you don't cooperate with the Financial Markets Authority
61: Criminal liability for obstructing exercise of powers
Financial Markets Authority Act 2011
Rules for sending official notices from the Financial Markets Authority
62: Notices
Financial Markets Authority Act 2011
How to send and receive important legal messages
63: Service of notices
Financial Markets Authority Act 2011
FMA can use its powers from this law and other laws too
64: Powers not limited
Financial Markets Authority Act 2011
FMA people can't share work secrets in court, with some exceptions
65: Limitation on disclosure of information obtained in FMA's operations
Financial Markets Authority Act 2011
Financial Markets Authority Act 2011
People and companies in finance pay money to help run the FMA
68: Levy of financial markets participants and other persons registered or incorporated under Acts referred to in Schedule 1
Financial Markets Authority Act 2011
FMA must talk to people before asking for money
69: FMA must consult about request for appropriation
Financial Markets Authority Act 2011
Financial Markets Authority Act 2011
Words and their meanings in this part of the law
70: Interpretation
Financial Markets Authority Act 2011
Getting rid of a group that watched over money matters
Financial Markets Authority Act 2011
The old Securities Commission has been replaced by a new Financial Markets Authority
71: Securities Commission disestablished
Financial Markets Authority Act 2011
What happens when the Securities Commission is replaced by the Financial Markets Authority
72: Consequences of disestablishment
Financial Markets Authority Act 2011
Replacing 'Commission' with 'FMA' in old documents
73: References to Securities Commission
Financial Markets Authority Act 2011
This law explains what happens when the Securities Commission closes and the Financial Markets Authority takes over
75: Effect of Act
Financial Markets Authority Act 2011
The FMA keeps using old records without needing to change names
76: Registers
Financial Markets Authority Act 2011
Rules about Ministry workers getting new jobs at the Financial Markets Authority
81: Ministry of Economic Development employees
Financial Markets Authority Act 2011
Financial Markets Authority Act 2011
This law changes other laws to keep everything up to date
82: Amendments to other enactments
Financial Markets Authority Act 2011
Changes to laws and rules when the Securities Commission became the Financial Markets Authority
84: Amendments consequential on replacement of Commission by FMA
Financial Markets Authority Act 2011
Changes to laws and rules: replacing 'Government Actuary' with 'FMA'
85: Amendments consequential on replacement of Government Actuary by FMA
Financial Markets Authority Act 2011
Laws that help keep money and financial services safe in New Zealand
Schedule 1: Financial markets legislation
Financial Markets Authority Act 2011
Rules about searching that used to be part of the law but aren't anymore
Schedule 2: Provisions relating to search power
Financial Markets Authority Act 2011
Changes to other laws and rules because of the new money watchdog law
Schedule 3: Amendments to other enactments
Financial Markets Authority Act 2011
Changes to laws: replacing old names with Financial Markets Authority
Schedule 4: Amendments to replace references to Securities Commission or Government Actuary
Financial Markets Authority Act 2011
The FMA aims to make financial markets fair and easy for everyone
8: FMA's main objective
Financial Markets Authority Act 2011
The FMA must talk to you about legal actions they take about you, unless it makes things too difficult for them
40: FMA must consult person A
Financial Markets Authority Act 2011
Legal time limits for FMA start when they ask permission to sue
42: Special limitation provision
Crimes Act 1961
The law decides how long someone might go to jail if they trick people to get money or cause them to lose money.
241: Punishment of obtaining by deception or causing loss by deception
Crimes Act 1961
Lying to trick people into giving money or buying things for a company is against the law.
242: False statement by promoter, etc
Crimes Act 1961
Using a computer to trick or cheat others for personal gain or to cause harm is against the law.
249: Accessing computer system for dishonest purpose
Crimes Act 1961
This law explains what happens if you make, use, or have fake money.
266: Offences involving coinage
Crown Entities Act 2004
You keep what you bought if you paid for it fairly and didn't know it was problematic.
72: Effect of avoidance on third parties
Sale and Supply of Alcohol Act 2012
This part of the law is about making rules for selling and supplying alcohol to help keep our community safe.
3: Purpose
Sale and Supply of Alcohol Act 2012
Some people are exempt from rules about selling and giving away alcohol.
Sale and Supply of Alcohol Act 2012
Some alcohol sales by makers and sellers are exempt from the law
8: Certain sales by makers, importers, distributors, and wholesalers exempted
Sale and Supply of Alcohol Act 2012
Some alcohol is exempt from the law if it's not meant to be drunk, like perfume or medicine.
9: Exemption for certain alcohol not intended for drinking
Sale and Supply of Alcohol Act 2012
Selling alcohol to guests in your home is allowed if you live there and have 10 or fewer guests.
12: Homestays exempted
Sale and Supply of Alcohol Act 2012
Selling alcohol to drink on the premises
14: On-licences generally
Sale and Supply of Alcohol Act 2012
Rules for restaurants that let customers bring their own alcohol
15: On-licences: BYO restaurants
Sale and Supply of Alcohol Act 2012
Selling alcohol to take away from an off-licence, and rules for free or paid samples
17: Off-licences: sale and supply on licensed premises
Sale and Supply of Alcohol Act 2012
Selling alcohol from a shop and delivering it to someone else
18: Off-licences: sale for delivery and sales at distance
Sale and Supply of Alcohol Act 2012
Alcohol can be delivered straight to off-licences from suppliers with a prior arrangement
19: Off-licences: direct delivery of alcohol, by arrangement with holder, by distributor, importer, manufacturer, or wholesaler
Sale and Supply of Alcohol Act 2012
Auctioneers with a special licence can sell alcohol at auctions.
20: Off-licences: auctioneers
Sale and Supply of Alcohol Act 2012
Selling alcohol to club members on club premises
21: Club licences
Sale and Supply of Alcohol Act 2012
You don't have to sell alcohol to everyone, or let them drink on your premises.
24: No obligation to serve
Sale and Supply of Alcohol Act 2012
Only eligible people can get an alcohol licence
27: Licences not to be issued to persons not empowered to hold them
Sale and Supply of Alcohol Act 2012
Special licences for restaurants, auctioneers, and caterers that let people bring their own alcohol.
Sale and Supply of Alcohol Act 2012
Rules for restaurants that let customers bring their own alcohol
37: On-licences for BYO restaurants
Sale and Supply of Alcohol Act 2012
Selling alcohol at events: special rules for caterers
38: On-licences for caterers
Sale and Supply of Alcohol Act 2012
Rules for getting a special licence to sell alcohol to drink elsewhere
42: Restrictions on issue of special licences for consumption off-premises
Sale and Supply of Alcohol Act 2012
Maximum hours to sell or serve alcohol in New Zealand
43: Default national maximum trading hours
Sale and Supply of Alcohol Act 2012
When you can sell alcohol depends on your local area's rules and your licence.
45: Permitted trading hours for premises with relevant local alcohol policy
Sale and Supply of Alcohol Act 2012
No alcohol sales on some public holidays and restricted sales on Anzac Day morning.
47: Sale and supply on Anzac Day morning, Good Friday, Easter Sunday, and Christmas Day restricted: on-licences
Sale and Supply of Alcohol Act 2012
Some public holidays have rules about selling alcohol from off-licences.
48: Sale on Anzac Day morning, Good Friday, Easter Sunday, and Christmas Day restricted: off-licences
Sale and Supply of Alcohol Act 2012
Buying alcohol online is allowed at any time, but there are still some delivery rules.
49: Remote sales exempted from trading hours restrictions
Sale and Supply of Alcohol Act 2012
People who sell alcohol in shops, bars, or clubs must follow certain rules.
Sale and Supply of Alcohol Act 2012
Places that sell alcohol must also sell non-alcoholic drinks at fair prices.
51: Non-alcoholic drinks to be available
Sale and Supply of Alcohol Act 2012
Licenced places must sell low-alcohol drinks for people to drink there.
52: Low-alcohol drinks to be available
Sale and Supply of Alcohol Act 2012
Places that sell alcohol must also sell food at fair prices
53: Food to be available
Sale and Supply of Alcohol Act 2012
Get help with finding a safe way home from a place that sells alcohol
54: Help with and information about transport to be available
Sale and Supply of Alcohol Act 2012
Rules for selling alcohol to take away with a special licence
55: Requirements relating to special licences for consumption off-premises
Sale and Supply of Alcohol Act 2012
Alcohol sellers must display signs showing their opening hours at every main entrance.
56: Display of signs: on-licences, off-licences
Sale and Supply of Alcohol Act 2012
Showing your alcohol licence where people can see it
57: Display of licence: all licences
Sale and Supply of Alcohol Act 2012
Rules for buying alcohol from a store without going there
59: Requirements relating to remote sales by holders of off-licences
Sale and Supply of Alcohol Act 2012
Clubs can only sell alcohol to members and their guests.
60: Sale and supply in clubs to members and guests only
Sale and Supply of Alcohol Act 2012
Clubs that sell alcohol: you can't drink your own.
62: No bring-your-own alcohol in clubs
Sale and Supply of Alcohol Act 2012
Rules you must follow when selling or supplying alcohol
63: Requirements and restrictions imposed as conditions
Sale and Supply of Alcohol Act 2012
The government keeps a record book of alcohol licences and certificates
65: Secretary of authority to set up and maintain registers
Sale and Supply of Alcohol Act 2012
People selling alcohol must give an address where they can get important papers.
68: Licensees and managers to have address for service
Sale and Supply of Alcohol Act 2012
Tell the licensing authority if your alcohol-licensed company's owners or name change
69: Notification of licensing authority by company of changes in company shareholding or name
Sale and Supply of Alcohol Act 2012
Tell the licensing authority if you buy or sell shares in an alcohol-licensed company
70: Notification of licensing authority by beneficial owner of shares of changes in shareholding
Sale and Supply of Alcohol Act 2012
What happens when you give up your alcohol licence or manager's certificate
73: Surrender of licence or manager's certificate
Sale and Supply of Alcohol Act 2012
People need to apply for a licence to sell or supply alcohol.
Sale and Supply of Alcohol Act 2012
How to object to a liquor licence application
102: Objections to applications
Sale and Supply of Alcohol Act 2012
No alcohol licence if it goes against local rules
108: Licence may be refused if contrary to local alcohol policy
Sale and Supply of Alcohol Act 2012
Rules can be added to alcohol licences if the local area has specific alcohol rules.
109: Conditions may be imposed if required by local alcohol policy
Sale and Supply of Alcohol Act 2012
Some alcohol licences have a one-way door rule that says when people can enter or leave a premises.
111: Imposition of one-way door restrictions by condition
Sale and Supply of Alcohol Act 2012
Rules for selling alcohol from a shop or supermarket, like who you can sell to and when
116: Particular discretionary conditions, and other compulsory conditions: off-licences
Sale and Supply of Alcohol Act 2012
Extra rules licence holders must follow, decided by the people approving the licence
117: Other discretionary conditions
Sale and Supply of Alcohol Act 2012
People like police and health officers check your alcohol licence application
129: Police, Medical Officer of Health, and inspector must inquire into application
Sale and Supply of Alcohol Act 2012
Telling people about your special alcohol licence application
139: Notification requirements
Sale and Supply of Alcohol Act 2012
Big events need extra planning and approval to get a special alcohol licence
143: Additional requirements for large-scale events
Sale and Supply of Alcohol Act 2012
The council can say no to a special alcohol licence if it doesn't match the local rules.
145: Special licence may be refused if contrary to local alcohol policy
Sale and Supply of Alcohol Act 2012
Some rules might be different in certain areas or situations when selling alcohol.
148: Different conditions may apply in certain cases
Sale and Supply of Alcohol Act 2012
How to show your special alcohol licence
150: Display of special licences
Sale and Supply of Alcohol Act 2012
The team that helps control how alcohol is sold and used in New Zealand.
169: Alcohol Regulatory and Licensing Authority
Sale and Supply of Alcohol Act 2012
A manager must always be at the premises when alcohol is being sold to ensure the rules are followed.
214: Manager to be on duty at all times and responsible for compliance
Sale and Supply of Alcohol Act 2012
How to renew your alcohol manager's certificate before it expires
224: Application for renewal of manager's certificates
Sale and Supply of Alcohol Act 2012
Telling authorities about new alcohol managers
231: Notice of appointment, etc, of manager, temporary manager, or acting manager
Sale and Supply of Alcohol Act 2012
Selling alcohol without a licence is against the law
233: Sales by unlicensed persons
Sale and Supply of Alcohol Act 2012
No selling alcohol in unlicensed places
234: Allowing unlicensed premises to be used for sale of alcohol
Sale and Supply of Alcohol Act 2012
No drinking alcohol at unlicensed places, unless it's your home.
235: Use of unlicensed premises as place of resort for consumption of alcohol
Sale and Supply of Alcohol Act 2012
People must not promote alcohol in a way that is harmful or irresponsible.
Sale and Supply of Alcohol Act 2012
Don't encourage people to drink too much alcohol
237: Irresponsible promotion of alcohol
Sale and Supply of Alcohol Act 2012
Some alcohol products are banned or restricted in New Zealand.
Sale and Supply of Alcohol Act 2012
Breaking the law with banned or restricted alcohol products can cost you up to $20,000
238: Offences relating to banned and restricted alcohol products
Sale and Supply of Alcohol Act 2012
Selling or giving alcohol to someone under 18 on licensed premises is against the law
239: Sale or supply of alcohol to people under purchase age on or from licensed premises
Sale and Supply of Alcohol Act 2012
Having alcohol with a parent or guardian in some licensed places is allowed
240: Exemptions in respect of licensed premises
Sale and Supply of Alcohol Act 2012
It's against the law to give alcohol to someone under 18, unless you're their parent or guardian and do it responsibly.
241: Supplying alcohol to minors
Sale and Supply of Alcohol Act 2012
No one under 18 can work where alcohol is sold, unless they're doing certain jobs.
242: Employment of minors
Sale and Supply of Alcohol Act 2012
It's against the law for people under 18 to buy alcohol, and you could be fined up to $2,000.
243: Buying of alcohol by people under purchase age
Sale and Supply of Alcohol Act 2012
A guardian is a person appointed to look after a child under the Care of Children Act.
246: Who is guardian
Sale and Supply of Alcohol Act 2012
Managers of places that sell alcohol can't be drunk on the job
250: Manager intoxicated on duty
Sale and Supply of Alcohol Act 2012
Getting drunk at work in a job that involves selling alcohol is against the law
251: Employee intoxicated on duty
Sale and Supply of Alcohol Act 2012
Don't let drunk people stay on premises where alcohol is sold
252: Allowing intoxication on licensed premises
Sale and Supply of Alcohol Act 2012
Don't let people misbehave in places that sell alcohol or you could be fined.
253: Allowing disorderly conduct on licensed premises
Sale and Supply of Alcohol Act 2012
Selling spirits in big containers: you can't sell spirits in containers over 500ml to drink on the premises
254: Sales of spirit in vessel exceeding 500 ml
Sale and Supply of Alcohol Act 2012
Being on a pub or bar outside the allowed opening hours can be against the law
255: Being on licensed premises outside licensing hours
Sale and Supply of Alcohol Act 2012
Breaking the law with fake or wrong ID at places that sell alcohol
257: Offences relating to evidence of age documents
Sale and Supply of Alcohol Act 2012
Breaking the rules about choosing and supervising a bar manager can cost you up to $5,000
258: Licensee's offences in respect of manager
Sale and Supply of Alcohol Act 2012
Breaking the rules about selling or supplying alcohol can get you in trouble.
Sale and Supply of Alcohol Act 2012
Breaking alcohol rules can lead to fines, known as infringement offences
260: Infringement offences
Sale and Supply of Alcohol Act 2012
Paying a fine for breaking alcohol laws: where the money goes
263: Payment of infringement fees
Sale and Supply of Alcohol Act 2012
When there's a riot, the law can close places that sell alcohol for up to 24 hours.
265: Closure of premises by order
Sale and Supply of Alcohol Act 2012
Police can close places that sell alcohol if it's not safe or if people are being a nuisance
266: Closure of licensed premises by Police
Sale and Supply of Alcohol Act 2012
Police can enter and inspect places that sell alcohol to check they are following the rules
267: Powers of entry on licensed premises
Sale and Supply of Alcohol Act 2012
Police can take alcohol samples from licensed places if they think the law is being broken
268: Power to seize samples of alcohol
Sale and Supply of Alcohol Act 2012
Proof of buying or drinking alcohol isn't always needed in court
274: Evidence of sale or consumption of alcohol
Sale and Supply of Alcohol Act 2012
Other important rules about selling and supplying alcohol.
Sale and Supply of Alcohol Act 2012
Licence to sell alcohol can be suspended if you don't follow health and safety rules.
286: Suspension of licence for non-compliance with public health or fire precaution requirements
Sale and Supply of Alcohol Act 2012
When You Break Alcohol Sales Rules, You Might Lose Your Licence
288: Holdings giving rise to cancellation of licence and manager's certificate
Sale and Supply of Alcohol Act 2012
Special rules still apply in areas with a licensing trust that controls alcohol sales.
350: Monopoly provisions continue to apply
Sale and Supply of Alcohol Act 2012
Keep track of a community trust's money by keeping accurate and easy-to-understand financial records.
382: Accounting records
Sale and Supply of Alcohol Act 2012
Rules to control or ban certain alcohol products to keep you safe
400: Regulations banning or restricting certain alcohol products
Sale and Supply of Alcohol Act 2012
Rules for shops to display alcohol information
401: Point-of-sale information regulations
Sale and Supply of Alcohol Act 2012
Licences to sell alcohol that you already had are still valid under the new law.
409: Existing licences continue in force
Sale and Supply of Alcohol Act 2012
The Minister must talk to affected people before making new rules about alcohol fees.
403: Consultation on proposed fees regulations
Sale and Supply of Alcohol Act 2012
How to tell if a shop is a grocery store
33: Determining whether premises are grocery store
Sale and Supply of Alcohol Act 2012
No off-licences for petrol stations, garages, dairies, or some shops.
36: No off-licences for petrol stations, certain garages, dairies, convenience stores, conveyances, or shops within shops
Sale and Supply of Alcohol Act 2012
Selling alcohol at parties with a special licence
16: On-licences: caterers
Criminal Procedure Act 2011
Getting stolen property back to its rightful owner
377: Restitution of property
Dog Control Act 1996
Getting your dog registration money back if your dog dies or you're struggling financially
39: Refund and reduction of fees
Dog Control Act 1996
Lying when registering a dog can get you a fine of up to $3,000
41: Penalty for false statement relating to application for registration
Immigration Advisers Licensing Act 2007
People who might not be allowed to become immigration advisers
16: Persons subject to restriction on being licensed
Financial Markets Conduct Act 2013
What the Financial Markets Conduct Act 2013 is trying to achieve
3: Main purposes
Financial Markets Conduct Act 2013
What extra things this law is trying to achieve for you and financial markets
4: Additional purposes
Financial Markets Conduct Act 2013
A law to keep money and investments fair and safe for you in New Zealand.
5: Overview
Financial Markets Conduct Act 2013
What words and phrases mean in the Financial Markets Conduct Act 2013
6: Interpretation
Financial Markets Conduct Act 2013
What a financial product is, like loans, company shares, and investments.
7: Meaning of financial product
Financial Markets Conduct Act 2013
What different kinds of financial products mean
8: Definitions relating to kinds of financial products
Financial Markets Conduct Act 2013
What 'issued' and 'issuer' mean when you buy a financial product
11: Definitions of issued and issuer
Financial Markets Conduct Act 2013
Understanding what statements and information mean in the Financial Markets Conduct Act 2013
13: Miscellaneous interpretation provisions relating to statements and information
Financial Markets Conduct Act 2013
What examples mean in the Financial Markets Conduct Act 2013
14: Status of examples
Financial Markets Conduct Act 2013
This law's rules are important and must be followed, even if other agreements say otherwise.
16: Application of Act
Financial Markets Conduct Act 2013
Be honest when buying or selling financial products to avoid misleading others.
19: Misleading or deceptive conduct generally
Financial Markets Conduct Act 2013
Don't trick people when selling financial products - be honest so they can make good choices.
20: Misleading conduct in relation to financial products
Financial Markets Conduct Act 2013
Don't mislead people when selling financial services
21: Misleading conduct in relation to financial services
Financial Markets Conduct Act 2013
Telling the truth when buying or selling financial products
22: False or misleading representations
Financial Markets Conduct Act 2013
Some finance rules don't apply to newspapers, magazines, TV, or the internet unless they're trying to sell you something.
29: Limited application of provisions in relation to newspapers, magazines, broadcasting, etc
Financial Markets Conduct Act 2013
Protection for people who accidentally publish illegal ads as part of their job
30: Defence for publisher
Financial Markets Conduct Act 2013
Rules for being honest with people about money apply in New Zealand and sometimes overseas too
33: Territorial scope of sections 19 to 23
Financial Markets Conduct Act 2013
Rules for selling financial products: • Be honest about what you're selling • Give buyers important information • Follow special rules for some products
Financial Markets Conduct Act 2013
Telling investors about financial products you are selling
39: Issue offers that need disclosure
Financial Markets Conduct Act 2013
Rules for when someone offers to renew or change a financial product you have
45: Treatment of offers of renewals and variations
Financial Markets Conduct Act 2013
People must prepare and lodge a document that explains a financial product clearly.
Financial Markets Conduct Act 2013
Before selling financial products, you must create and submit a special document called a Product Disclosure Statement.
48: PDS must be prepared and lodged
Financial Markets Conduct Act 2013
What a Product Disclosure Statement is meant to do: help you decide on a financial product.
49: Purpose of PDS
Financial Markets Conduct Act 2013
Get a PDS document before buying financial products if the seller needs to tell you more about them
50: PDS must be given if offer requires disclosure
Financial Markets Conduct Act 2013
When you don't need to follow the usual rules for giving information about financial products
51: Certain situations in which section 50 does not need to be complied with
Financial Markets Conduct Act 2013
You're considered to have got the product info if the application form came with it
52: PDS treated as having been given if application form used was included in, or accompanied by, PDS
Financial Markets Conduct Act 2013
Breaking the rules about giving information when selling financial products can get you in trouble
53: Offence to knowingly or recklessly contravene section 50
Financial Markets Conduct Act 2013
Getting your money back if a seller breaks the rules when selling you financial products
54: Right to withdraw
Financial Markets Conduct Act 2013
Information about financial products must be clear and easy to understand when it's shared with you.
Financial Markets Conduct Act 2013
Telling people important information when selling financial products
57: Disclosure of material information and content of PDS and register entry
Financial Markets Conduct Act 2013
What 'material information' means when buying financial products
59: Meaning of material information in this Part
Financial Markets Conduct Act 2013
Getting permission from experts before using their statements in important documents
60: Consent of experts and persons who make endorsements
Financial Markets Conduct Act 2013
Make your Product Disclosure Statement easy to understand
61: PDS must be worded and presented in clear, concise, and effective manner
Financial Markets Conduct Act 2013
A Product Disclosure Statement must follow the rules about what it looks like and what's in it.
62: PDS must comply with prescribed requirements relating to form and presentation
Financial Markets Conduct Act 2013
Companies must wait before accepting your application to buy a financial product
65: Waiting period after lodgement before processing applications for financial products
Financial Markets Conduct Act 2013
No waiting time for some financial product information
69: Waiting period does not usually apply to continuous issue PDSs
Financial Markets Conduct Act 2013
No guarantee that financial documents are correct or follow the law
70: No guarantee or representation as to compliance
Financial Markets Conduct Act 2013
Updating the main information document with a new version
73: Replacement PDS
Financial Markets Conduct Act 2013
Telling people you've lodged a document on your website
75: Publication of lodgement
Financial Markets Conduct Act 2013
If a seller promises to list a product on a market but doesn't, the sale is not valid.
78: Issue or transfer void if quotation condition not fulfilled
Financial Markets Conduct Act 2013
What happens if something is wrong with the information given about a financial product?
Financial Markets Conduct Act 2013
Following rules for fair treatment of financial product applications when things don't go as planned
79: Application of section 80
Financial Markets Conduct Act 2013
What happens if something goes wrong with your financial product application?
80: Choices open to offeror
Financial Markets Conduct Act 2013
You can't sell financial products if you don't give people correct information about them.
Financial Markets Conduct Act 2013
Tell the truth when selling financial products
82: False or misleading statements, omissions, and new matters requiring disclosure
Financial Markets Conduct Act 2013
People who must tell a company about mistakes in its investment information
83: Persons who must inform offeror about disclosure deficiencies
Financial Markets Conduct Act 2013
When a Product Disclosure Statement expires or stops being valid
84: Expiry
Financial Markets Conduct Act 2013
What happens to your application when a financial product offer ends
85: How offeror must deal with applications on expiry
Financial Markets Conduct Act 2013
People's money for financial products must be kept safe in a trust.
Financial Markets Conduct Act 2013
Your money is safe when you buy financial products because sellers must look after it until you get what you paid for.
87: Money for financial products must be held in trust
Financial Markets Conduct Act 2013
Selling financial products from a company that is not real.
Financial Markets Conduct Act 2013
No selling products from a non-existent company if it would be regulated if it existed
88: Offering financial products of entity that does not exist
Financial Markets Conduct Act 2013
Rules for advertising financial products in a fair and honest way
89: Advertising for regulated offers
Financial Markets Conduct Act 2013
Sharing important documents with people, like Product Disclosure Statements, in a way that's allowed by law
90: Distribution of PDS or registered documents
Financial Markets Conduct Act 2013
Advertising a financial product before paperwork is complete: what you can and can't say
91: Advertising before PDS lodged
Financial Markets Conduct Act 2013
Advertising rules after a financial product's information is lodged
92: Advertising after PDS lodged
Financial Markets Conduct Act 2013
People who publish ads can defend themselves if they didn't know the ad was wrong
94: Defence for publishers
Financial Markets Conduct Act 2013
Telling investors and others important information about financial products
96: Information to be made available to investors, FMA, Registrar, or other prescribed persons
Financial Markets Conduct Act 2013
When information about financial products is wrong or missing.
Financial Markets Conduct Act 2013
Telling lies or hiding important information when sharing updates about investments is not allowed
99: Defective ongoing disclosure
Financial Markets Conduct Act 2013
Rules for selling financial products and what happens if you break them
101: Part 3 offer provisions
Financial Markets Conduct Act 2013
Rules for money products: • Keep people safe • Follow the law • Be honest and fair
Financial Markets Conduct Act 2013
The person who checks that financial products are working fairly and safely for you.
Financial Markets Conduct Act 2013
Supervisors of investments must be careful and make good decisions like a responsible expert would.
154: Duty of supervisor to comply with professional standard of care
Financial Markets Conduct Act 2013
Helping someone who made a complaint is protected by law if you do it to genuinely help.
201: Protections extend to volunteers of supporting information for other protected disclosures
Financial Markets Conduct Act 2013
The FMA can give orders to protect investors if their money is at risk.
205: FMA's powers of direction
Financial Markets Conduct Act 2013
Someone can ask the court for help if a financial product or scheme has problems that might harm you.
207: Power of supervisor or FMA to apply for order to remedy problems
Financial Markets Conduct Act 2013
Courts can fix financial product problems by making special orders to help people like you.
208: Court orders to remedy problems
Financial Markets Conduct Act 2013
What are the important interests to consider when buying or selling things on markets?
Financial Markets Conduct Act 2013
It's okay to share secret information when making documents to sell financial products
247: Exception for disclosure in connection with preparing PDS or limited disclosure document
Financial Markets Conduct Act 2013
Don't share false information about financial products that could trick people into buying or selling them.
262: False or misleading statement or information
Financial Markets Conduct Act 2013
Telling lies about money products is a crime and can lead to big fines or prison.
264: Criminal liability for false or misleading statement or information
Financial Markets Conduct Act 2013
Rules to Keep Trading Fair and Safe
328: Required matters for market rules
Financial Markets Conduct Act 2013
When to get in trouble for not sharing important information with investors
362: Grounds for continuous disclosure direction
Financial Markets Conduct Act 2013
When the FMA needs to protect people buying or selling financial products, they can give special instructions.
363: Grounds for other directions
Financial Markets Conduct Act 2013
What 'unsolicited offer' means in finance and law
381: Definitions relating to unsolicited offer regulations and related provisions
Financial Markets Conduct Act 2013
Rules to protect people from unexpected offers to buy or sell financial products
382: Regulations concerning unsolicited offers
Financial Markets Conduct Act 2013
Rules for dealing with financial offers you didn't ask for
383: Specific provisions for regulations concerning unsolicited offers
Financial Markets Conduct Act 2013
Protection from blame when you follow the rules about unexpected offers
384: Protection from liability in connection with unsolicited offer provisions
Financial Markets Conduct Act 2013
A guide to the rules for people who provide financial services in New Zealand
386: Overview
Financial Markets Conduct Act 2013
When the Financial Markets Authority can add rules to a licence
403: When FMA may impose permitted conditions
Financial Markets Conduct Act 2013
A plan to control and manage services that help people buy and sell things.
Financial Markets Conduct Act 2013
Following official instructions to fix a problem or stop something wrong from happening
420: Directions
Financial Markets Conduct Act 2013
Companies must tell you important information when they sell you something
423: Disclosure must be made to retail investor
Financial Markets Conduct Act 2013
What you need to know before choosing a financial service
425: Purpose of disclosure statement
Financial Markets Conduct Act 2013
A 'Disclosure statement' is a written document with important information about a service, including who is providing it and when.
426: Disclosure statement
Financial Markets Conduct Act 2013
Telling lies or hiding important information is not allowed
427: False or misleading statements and omissions
Financial Markets Conduct Act 2013
What a client agreement with an investment company must include and how it works
431: Contents, form, and effect of client agreement
Financial Markets Conduct Act 2013
Duties of a DIMS licensee: being honest and fair to investors
433: DIMS licensee's duties
Financial Markets Conduct Act 2013
People in charge of investment services must act fairly and not use their job for personal gain.
434: Duties of directors and senior managers of DIMS licensee
Financial Markets Conduct Act 2013
Rules about how much investors can protect people who manage their investments
436: Limits on permitted indemnities
Financial Markets Conduct Act 2013
What is a related party benefit in investing?
439: Definition of related party benefits
Financial Markets Conduct Act 2013
Getting benefits from family or friends is okay in certain situations
441: Certain related party benefits permitted
Financial Markets Conduct Act 2013
Rules to keep your investment money and property safe with a custodian
445: Requirements for custodian
Financial Markets Conduct Act 2013
Rules to keep people safe: • Stop bad things from happening • Punish people who break rules • Help people who get hurt You can appeal if you disagree.
Financial Markets Conduct Act 2013
When the Financial Markets Authority can stop something that might be unfair or wrong
462: When FMA may make stop orders
Financial Markets Conduct Act 2013
What a stop order can do to control buying and selling of financial products
463: Terms of stop order
Land Transport Act 1998
Rules about putting wheel clamps on parked cars
98D: Immobilising devices applied to parked motor vehicles
Auctioneers Act 2013
This law explains how auctioneers are registered and what rules they need to follow
3: Purpose of Act
Auctioneers Act 2013
What important words mean in this law about auctions
4: Interpretation
Auctioneers Act 2013
Registered auctioneers can only hire other qualified auctioneers
7: Restriction on who registered auctioneers may engage as auctioneer
Auctioneers Act 2013
What you need to tell us when you want to become an auctioneer
9: Information and material to be included in application
Auctioneers Act 2013
How the Registrar checks and approves your application to become an auctioneer
10: Acceptance of application
Auctioneers Act 2013
Explaining why an application to be an auctioneer was turned down
11: Refusal of application
Auctioneers Act 2013
Your auctioneer licence runs out after a year unless you renew it
12: Registration expires after 12 months
Auctioneers Act 2013
Auctioneers must confirm their details yearly to stay registered
13: Annual confirmation
Auctioneers Act 2013
How the Registrar can cancel an auctioneer's registration
14: Cancelling registrations
Auctioneers Act 2013
When an auctioneer is no longer allowed to sell things at auctions
15: When registered auctioneer ceases to be registered
Auctioneers Act 2013
Telling the Registrar when important things change for auctioneers
16: Obligation to notify Registrar of changes
Auctioneers Act 2013
Auctioneers must keep detailed records of sellers, items, and auction details
17: Auctioneer record
Auctioneers Act 2013
Keeping and sharing your auction record
18: Storage and inspection of auctioneer record
Auctioneers Act 2013
Person in charge of managing auctioneers' registration
19: Registrar of Auctioneers
Auctioneers Act 2013
The Registrar can give you a paper that proves if someone is an auctioneer
20: Registrar's certificate
Auctioneers Act 2013
A list of all registered auctioneers that anyone can look up online
21: Register of auctioneers
Auctioneers Act 2013
How to disagree with decisions about your auctioneer registration
22: Appeals
Auctioneers Act 2013
The court can temporarily stop an auctioneer's registration from being cancelled
23: Interim order by District Court
Auctioneers Act 2013
Rules to follow if you're an auctioneer to avoid getting in trouble
24: Offences
Auctioneers Act 2013
Rules for existing auctioneers when the new law starts
26: Application of Act to existing licence holders and others
Auctioneers Act 2013
Changes to the law mean you now need to be registered to run auctions
27: Amendments removing exemption from requirement to be registered
Auctioneers Act 2013
Making changes to other laws because of the new auctioneers law
28: Consequential repeal and amendments
Auctioneers Act 2013
Changes to rules about people who sell things for others at special sales
Schedule : Amendments relating to auctioneers
Employment Relations Act 2000
This explains how employers can disagree with a notice asking them to pay money to their workers.
225: Objections to demand notice
Employment Relations Act 2000
People who helped break work rules might have to pay money owed to workers if the boss can't pay.
142Y: When person involved in breach liable for default in payment of wages or other money due to employee
Employment Relations Act 2000
A reminder notice tells you again about a fine you got and must look just like the first notice.
235DC: Reminder notices
Social Security Act 2018
Words you don't know are explained in a special section
6: Definitions are in dictionary in Schedule 2
Social Security Act 2018
Guides and outlines in the Act are helpful notes, not official rules
13: Status of guides or outlines
Social Security Act 2018
Examples help explain the law but don't change what it actually says
14: Status of examples
Social Security Act 2018
MSD can choose special shops for people on benefits to buy important things from
366: Preferred suppliers: contracts
Social Security Act 2018
Rules for buying special items from chosen shops using government money
368: Preferred suppliers: paying them disability allowance, special assistance, or advance payment
Social Security Act 2018
Special rule for using the highest disability allowance: choosing your own suppliers
370: Preferred suppliers: paying them disability allowance: exception if allowance granted at maximum rate
Social Security Act 2018
Rules for special cards that show what help you can get
437: Regulations: issue and use of entitlement cards
Contract and Commercial Law Act 2017
This law explains different types of agreements and business matters in simple terms
5: Overview of this Act
Contract and Commercial Law Act 2017
Rules for switching to the new law and keeping important old rules
6: Transitional, savings, and related provisions
Contract and Commercial Law Act 2017
Contract and Commercial Law Act 2017
This part explains how you can benefit from promises made in legal documents even if you didn't sign them
10: Purpose
Contract and Commercial Law Act 2017
Explaining special words used in this part of the law
11: Interpretation
Contract and Commercial Law Act 2017
Promises made in contracts can help people who didn't sign them
12: Deed or contract for benefit of person who is not party to deed or contract
Contract and Commercial Law Act 2017
Section 12 doesn't work if the contract wasn't meant to give someone special rights
13: Section 12 does not apply if no intention to create obligation enforceable by beneficiary
Contract and Commercial Law Act 2017
You might need permission to change or cancel a promise made to someone else
14: Variation or discharge of promise may require beneficiary’s consent
Contract and Commercial Law Act 2017
Changing or ending promises: when everyone agrees or when it's allowed
15: Variation or discharge by agreement or in accordance with express provision
Contract and Commercial Law Act 2017
Court can allow changes or cancellations to promises or duties
16: Court may authorise variation or discharge
Contract and Commercial Law Act 2017
How you can make someone keep a promise they made about you in a contract
17: Enforcement by beneficiary
Contract and Commercial Law Act 2017
The person being sued can defend themselves just like they would against the original person they made a promise to
18: Availability of defences
Contract and Commercial Law Act 2017
This part of New Zealand law doesn't apply to agreements made using other countries' rules
19: This subpart does not apply to promises, contracts, or deeds governed by foreign law
Contract and Commercial Law Act 2017
This law keeps other rules about contracts and doesn't change them
20: Savings
Contract and Commercial Law Act 2017
Contract and Commercial Law Act 2017
This part explains how courts can help fix mistakes in contracts
21: Purpose of this subpart
Contract and Commercial Law Act 2017
This section sets new rules for contract mistakes
22: This subpart to be code
Contract and Commercial Law Act 2017
What words mean and how we use them in this part of the law
23: Interpretation
Contract and Commercial Law Act 2017
Courts can help if you made a mistake when agreeing to a contract
24: Relief may be granted if mistake by one party is known to another party or is common or mutual
Contract and Commercial Law Act 2017
A mistake in understanding a contract's meaning is not the same as other contract mistakes
25: Mistake does not include mistake in interpretation of contract
Contract and Commercial Law Act 2017
You can't claim a mistake if you knew about it before signing the contract
26: Decision to enter into contract not influenced by mistake if party aware of it
Contract and Commercial Law Act 2017
When you make a mistake in a contract, the court looks at how much it was your fault
27: Mistake caused by party seeking relief
Contract and Commercial Law Act 2017
Court can help people connected to someone in a contract
29: Court may grant relief to person claiming through or under party
Contract and Commercial Law Act 2017
This law protects innocent buyers when someone else made a mistake
31: Rights of third persons not affected
Contract and Commercial Law Act 2017
Rules for foreign contracts don't follow this part of NZ law
32: This subpart does not apply to contracts governed by foreign law
Contract and Commercial Law Act 2017
Contract and Commercial Law Act 2017
What it means to cancel a contract
33: Meaning of cancel
Contract and Commercial Law Act 2017
A contract's own rules for fixing problems come first
34: Remedy provided in contract
Contract and Commercial Law Act 2017
What happens if someone lies or misleads you in a contract
Contract and Commercial Law Act 2017
When someone lies to you about a deal, you can get money back
35: Damages for misrepresentation
Contract and Commercial Law Act 2017
You can end a deal if someone else shows they won't do their part
36: Party may cancel contract if another party repudiates it
Contract and Commercial Law Act 2017
You can stop a deal if someone fooled you or breaks the rules
37: Party may cancel contract if induced to enter into it by misrepresentation or if term is or will be breached
Contract and Commercial Law Act 2017
You can't change your mind about a contract once you've said it's okay
38: No cancellation if contract is affirmed
Contract and Commercial Law Act 2017
Court decides if you can cancel a contract when someone else misbehaves
39: Parties with substantially same interest
Contract and Commercial Law Act 2017
New rules replace old ones for cancelling contracts
40: Sections 36 to 39 have effect in place of rules of common law and of equity
Contract and Commercial Law Act 2017
Cancelling a contract: When it starts to count
41: When cancellation may take effect
Contract and Commercial Law Act 2017
What happens when you cancel a contract
42: Effect of cancellation
Contract and Commercial Law Act 2017
How a court can help when there's a problem with a contract
Contract and Commercial Law Act 2017
The court can make things fair when someone ends a contract
43: Power of court to grant relief
Contract and Commercial Law Act 2017
Things the court thinks about when making decisions about contracts
45: Matters court must have regard to
Contract and Commercial Law Act 2017
Protecting honest buyers who pay fair prices for property
46: Protection of purchaser of property in good faith and for valuable consideration
Contract and Commercial Law Act 2017
If you change things after a contract, the court might not be able to help you
47: Party who has altered position
Contract and Commercial Law Act 2017
Who can ask for help with contract problems
48: Persons who may apply
Contract and Commercial Law Act 2017
When someone breaks a contract, you can ask for money to make things fair
49: Recovery of damages
Contract and Commercial Law Act 2017
Rules that try to stop courts from looking into things
Contract and Commercial Law Act 2017
What someone says or promises before making a deal can still matter
50: Statement, promise, or undertaking during negotiations
Contract and Commercial Law Act 2017
Courts can check if someone had permission to make promises for others, even if a contract says they can't
51: Authority for making or giving statement, promise, or undertaking
Contract and Commercial Law Act 2017
Rules to protect you when buying things
52: Contracts for sale of goods
Contract and Commercial Law Act 2017
The Disputes Tribunal can still use its special powers when you take a case to them
53: Proceeding before Disputes Tribunal
Contract and Commercial Law Act 2017
What happens when someone gives you their contract rights and duties
54: Remedies enforceable by or against assignee
Contract and Commercial Law Act 2017
You can't be charged more than what you'd get from a contract someone gave you
55: Damages may not exceed value of performance of assigned contract
Contract and Commercial Law Act 2017
The person giving you a contract must pay for mistakes they made or information they didn't share
56: Assignee indemnified by assignor
Contract and Commercial Law Act 2017
Rules to know when you take over someone else's contract
57: Other provisions relating to assignees
Contract and Commercial Law Act 2017
Rules for foreign contracts don't follow this part of NZ law
58: This subpart does not apply to contracts governed by foreign law
Contract and Commercial Law Act 2017
This part keeps important contract rules the same as before
59: Savings
Contract and Commercial Law Act 2017
Contract and Commercial Law Act 2017
This part explains when you don't have to follow a contract anymore because it's too hard or impossible
60: Application
Contract and Commercial Law Act 2017
You can get back money you already paid and don't have to pay money you owed when a contract ends
61: Money paid may be recovered and money payable ceases to be payable
Contract and Commercial Law Act 2017
Court can let you keep or get back money you spent on an unfinished job
62: Court may allow party who has incurred expenses to retain or recover money
Contract and Commercial Law Act 2017
You might have to pay back money if you got something valuable from an agreement that ended early
63: Sum may be recovered if party has obtained valuable benefit
Contract and Commercial Law Act 2017
Court can treat a benefit given to someone else as if it was given to you
64: Benefit may be treated as being obtained
Contract and Commercial Law Act 2017
Courts can count extra costs when deciding how much money was spent on a contract
65: Estimates of expenses
Contract and Commercial Law Act 2017
Insurance money and frustrated contracts: When it counts and when it doesn't
66: Money payable under contract of insurance
Contract and Commercial Law Act 2017
The court must follow special rules in your contract when things go wrong
67: Court must give effect to provision in contract
Contract and Commercial Law Act 2017
Court can split contracts into finished and unfinished parts when something goes wrong
68: Court must treat performed part of contract that can be properly severed as separate contract
Contract and Commercial Law Act 2017
Sometimes this part of the law doesn't count for certain agreements
69: This subpart does not apply in certain circumstances
Contract and Commercial Law Act 2017
Contract and Commercial Law Act 2017
Words used in this law and what they mean
70: Interpretation
Contract and Commercial Law Act 2017
What makes a contract illegal?
71: Illegal contract defined
Contract and Commercial Law Act 2017
Contracts stay legal even if they break rules, unless the rules say otherwise
72: Breach of enactment
Contract and Commercial Law Act 2017
Contracts that break the law don't count and can't be used
73: Illegal contracts have no effect
Contract and Commercial Law Act 2017
Protection for innocent people who receive property from illegal contracts
74: Protection of persons who acquire property in good faith and without notice
Contract and Commercial Law Act 2017
The court can help you if you're in a tricky situation with an illegal contract
75: Who may be granted relief
Contract and Commercial Law Act 2017
The court can help make things fair when there's a problem with a contract
76: Court may grant relief
Contract and Commercial Law Act 2017
The court can add rules when it helps someone in a contract
77: Order may be subject to terms and conditions
Contract and Commercial Law Act 2017
Court can't help if it's not good for everyone
79: Court must not grant relief if not in public interest
Contract and Commercial Law Act 2017
Who can ask the court for help with a contract
81: Persons who may apply
Contract and Commercial Law Act 2017
Rules about agreements that limit competition in business
Contract and Commercial Law Act 2017
Courts can change or remove unfair rules in contracts
83: Restraints of trade
Contract and Commercial Law Act 2017
Rules for special contracts that limit your actions or court options stay the same
84: Law relating to restraint of trade and to ouster of jurisdiction not affected
Contract and Commercial Law Act 2017
Contract and Commercial Law Act 2017
Explaining important words used in this part of the law
85: Interpretation
Contract and Commercial Law Act 2017
Contracts don't work against kids, but still count for grown-ups
86: Contracts unenforceable against minors but otherwise have effect
Contract and Commercial Law Act 2017
Court can check if contracts with minors are fair
87: Court may inquire into fairness and reasonableness of contract
Contract and Commercial Law Act 2017
Courts can make decisions about fair contracts with young people
88: Court orders where contract was fair and reasonable
Contract and Commercial Law Act 2017
Courts can fix unfair contracts
89: Court orders where contract was not fair and reasonable
Goods and Services Tax Act 1985
Tax rules for loyalty programmes that give rewards to customers
11C: Treatment of supplies by operators of loyalty programmes
Goods and Services Tax Act 1985
Some situations where you don't have to pay the new tax rate when it increases
78AA: Exceptions to effect of increase of tax
Goods and Services Tax Act 1985
When someone buys something for another person to use
60B: Nominated recipients of supplies
Goods and Services Tax Act 1985
Tax rules for online shopping through websites like Trade Me or eBay
60C: Electronic marketplaces
Goods and Services Tax Act 1985
Buying from online marketplaces that are approved to handle tax in New Zealand
60D: Approved marketplaces
Goods and Services Tax Act 1985
What happens if there's a mistake with tax when buying secondhand goods?
25AB: Consequences of change in contract for secondhand goods
Goods and Services Tax Act 1985
Rules for phone and internet companies when they can't find a customer's physical address
8A: Certain supplies of telecommunications services
Goods and Services Tax Act 1985
How to work out the price of goods and services, including tax
10: Value of supply of goods and services
Goods and Services Tax Act 1985
What happens with your tax if something changes with goods or services you bought from overseas
25AA: Consequences of change in contract for imported goods and services
Goods and Services Tax Act 1985
Rules for helpers like agents and auctioneers when buying or selling goods and services
60: Agents and auctioneers
Goods and Services Tax Act 1985
Contracts signed before 20 August 1985 have special tax rules
85: Certain contracts entered into on or before 20 August 1985
Goods and Services Tax Act 1985
When someone else delivers goods to you and is considered the supplier for tax purposes
60E: When redeliverer is supplier of distantly taxable goods
Goods and Services Tax Act 1985
Keeping records of secondhand goods you buy for your business
19H: Records of secondhand goods received by registered person
Goods and Services Tax Act 1985
Information sellers must give you when buying goods with tax included
19M: Taxable supply information: goods included in supplies of distantly taxable goods
Goods and Services Tax Act 1985
Tax rules for buying and selling services like accommodation and food delivery online
8C: Supplies of listed services
Goods and Services Tax Act 1985
Getting information about your online purchases from marketplaces
19NB: Taxable supply information and supply correction information for listed services
Goods and Services Tax Act 1985
Rules for buying services online through a marketplace
60CB: Listing intermediaries and supply of listed services
Residential Tenancies Act 1986
How the money from selling a tenant's left-behind things is used and how the landlord can get back what they're owed
62C: Application of proceeds of sale and recovery of amount owing
Residential Tenancies Act 1986
You can ask for money from your sold stuff within a year if your landlord sold it after you left
62D: Tenant may claim proceeds of sale
Residential Tenancies Act 1986
If you pay a small bond for your boarding house room, the landlord must give you a receipt and return your money when you leave, unless you owe them something.
66D: Bond of 1 week’s rent or less
Residential Tenancies Act 1986
The landlord pays for shared costs, while you pay for what you use in your own room.
66E: Outgoings
Residential Tenancies Act 1986
The government can try to give back money that was kept safe for renters if no one claims it after a long time.
22D: Chief executive may take steps to refund bonds
Residential Tenancies Act 1986
The landlord can only ask for a bond that's equal to 4 weeks' rent or less.
18: Bonds to be no more than 4 weeks' rent
Residential Tenancies Act 1986
When a landlord receives money for a bond, they must give a receipt and send the money to the government quickly.
19: Duties of landlord on receipt of bond
Residential Tenancies Act 1986
Landlords can only ask for up to two weeks' rent ahead of time and can't make you pay before your current rent is used up.
23: Rent in advance
Residential Tenancies Act 1986
Rules for landlords when they want to make the rent higher for people renting their houses
24: Rent increases
Residential Tenancies Act 1986
Landlords must give renters a proper receipt when they pay rent
29: Receipts for rent
Residential Tenancies Act 1986
Explains how rent is calculated daily and divided up when a tenancy ends
31: Apportionment of rent
Residential Tenancies Act 1986
Landlords can't make tenants pay extra money or higher rent if they break the rules
32: Accelerated rent or damages prohibited
Residential Tenancies Act 1986
The landlord pays for general costs, while the tenant pays for things they use themselves.
39: Responsibility for outgoings
Residential Tenancies Act 1986
Rules for people who help others find places to live or stay
139: Regulations relating to accommodation brokers
Residential Tenancies Act 1986
Rules for including rent increase details in fixed-term tenancy agreements
Schedule 1: Clauses for rent increases in fixed-term tenancy agreements
Residential Tenancies Act 1986
Landlords must tell you how much the rent is when they advertise a place for you to live in.
22F: Landlord must state amount of rent when advertising residential premises
Residential Tenancies Act 1986
The landlord can get money back from the tenant for costs related to changing who lives in the house.
44A: Recovery of expenses incurred by landlord
Residential Tenancies Act 1986
The owner must let you get fast internet in your rented home if it's possible and doesn't cost them anything, unless there's a good reason not to.
45B: Landlord must permit and facilitate installation of fibre connection in certain circumstances
Residential Tenancies Act 1986
List of fines and fees for breaking tenancy rules
Schedule 1B: Fines and fees for infringement offences
Fair Trading Act 1986
Rules for charity fund-raisers about sharing information when asking for money
28A: Regulations relating to disclosure by fund-raisers making requests for charitable purposes
Fair Trading Act 1986
Why the law helps regulators from other countries
48B: Purpose of sections 48C to 48O (which relate to assistance to overseas regulators)
Fair Trading Act 1986
Explaining important words used in the Fair Trading Act about working with other countries
48C: Definitions of terms used in sections 48B to 48O
Fair Trading Act 1986
Rules about sharing information that was forced from someone with other countries
48D: Restrictions on providing compulsorily acquired information and investigative assistance
Fair Trading Act 1986
The Commission can share certain information with overseas regulators
48M: Sharing of non-compulsorily acquired information not affected
Fair Trading Act 1986
This law makes sure trading is fair for everyone in New Zealand
1A: Purpose
Fair Trading Act 1986
Sellers can't trick buyers by pretending to bid on their own items at auctions
14A: When vendor bids are misrepresentations
Fair Trading Act 1986
The Minister can make, change, or cancel rules to help keep products safe
30A: Product safety policy statements
Fair Trading Act 1986
The government checks if safety rules for products are still good every five years
30B: Review of product safety policy statements
Fair Trading Act 1986
When companies choose to take back unsafe products, they must tell the government quickly
31A: Voluntary product recall
Fair Trading Act 1986
Rules for choosing people to check if things are safe to use
33A: Appointment of product safety officers
Fair Trading Act 1986
Proof of job for product safety officers
33B: Certificates of appointment
Fair Trading Act 1986
Product safety officers can check places for unsafe goods
33C: Powers of product safety officers
Fair Trading Act 1986
Stopping the sale of possibly dangerous goods to keep people safe
33D: Suspension of supply notices
Fair Trading Act 1986
How to ask for help if someone breaks the rules in trading
43A: Application for order under section 43
Fair Trading Act 1986
Rules for which courts can make orders based on how much money is involved
43B: Limits on jurisdiction of District Court and Disputes Tribunal to make orders under section 43
Fair Trading Act 1986
The government can agree to promises people make about following the rules
46A: Commission may accept undertakings
Fair Trading Act 1986
How the Commerce Commission can make you keep your promises
46B: Enforcement of undertakings
Fair Trading Act 1986
Commission can give staff permission to check and enforce rules about product safety and information
47K: Commission may authorise employees for monitoring and enforcement purposes
Fair Trading Act 1986
What employees can do to check if shops are following the rules
47L: Powers of authorised employees
Fair Trading Act 1986
Rules for taking legal action about money-related products and services
48P: Proceedings relating to financial products or financial services
Fair Trading Act 1986
You can't be fined twice for the same mistake with money stuff
48Q: No pecuniary penalty and fine for same conduct involving financial products or financial services
Fair Trading Act 1986
The rule about proving claims doesn't apply to special financial papers
48R: Unsubstantiated representations prohibition does not apply to financial markets disclosure
Fair Trading Act 1986
Some actions allowed by financial market rules don't break fair trading rules
48S: Certain conduct under Financial Markets Conduct Act 2013 does not contravene various provisions of this Act
Fair Trading Act 1986
Rules in this law apply no matter what, even if you make a different agreement
5C: No contracting out: general rule
Fair Trading Act 1986
Trading businesses can agree to different rules if it's fair
5D: No contracting out: exception for parties in trade
Fair Trading Act 1986
Don't make claims about things you're selling without proof
12A: Unsubstantiated representations
Fair Trading Act 1986
The court considers all the details when someone makes a claim without proof
12B: Court must have regard to certain matters
Fair Trading Act 1986
Only the Commerce Commission can take legal action for claims made without proof
12C: Limitation on commencement of proceedings in relation to unsubstantiated representations
Fair Trading Act 1986
What happens if you get stuff you didn't ask for in the mail
21A: Liability of recipient of unsolicited goods
Fair Trading Act 1986
You don't have to pay for services you didn't ask for
21B: Liability of recipient of unsolicited services
Fair Trading Act 1986
You don't have to pay for things you didn't ask for
21C: Prohibition on asserting right to payment in respect of unsolicited goods or unsolicited services
Fair Trading Act 1986
Rules for unsolicited goods and services made by the Governor-General
21D: Regulations
Fair Trading Act 1986
Businesses selling online must tell you they're a business
28B: Disclosure of trader status on Internet
Fair Trading Act 1986
Rules for buying and selling: How to be fair when shopping or running a business
Fair Trading Act 1986
This part explains the rules for different ways of buying things
36A: Purpose of Part
Fair Trading Act 1986
What a layby sale is and how it works
36B: Meaning of layby sale agreement
Fair Trading Act 1986
Rules for sellers when making a layby sale agreement
36C: Disclosure requirements relating to layby sale agreement
Fair Trading Act 1986
You can ask the seller for more details about your layby sale agreement, and they must provide it for free
36D: Further disclosure if requested by consumer
Fair Trading Act 1986
When you buy something in parts, the shop looks after it until you finish paying
36E: Risk in goods
Fair Trading Act 1986
You can cancel a layby sale before taking the items home
36F: Cancellation of layby sale agreement by consumer
Fair Trading Act 1986
When a shop can stop your layby agreement
36G: Cancellation of layby sale agreement by supplier
Fair Trading Act 1986
What happens when you end a layby agreement
36H: Effect of cancellation of layby sale agreement
Fair Trading Act 1986
What happens to your layby purchase if the shop goes broke?
36I: Bankruptcy, receivership, liquidation, or voluntary administration of supplier: completion of layby sale agreement
Fair Trading Act 1986
What happens if a store goes out of business before you finish paying for something?
36J: Bankruptcy, receivership, or liquidation of supplier: consumer priority
Fair Trading Act 1986
What it means when a business tries to sell you things without you asking
36K: Meaning of uninvited direct sale agreement
Fair Trading Act 1986
Rules for sellers when they make unexpected sales to you
36L: Disclosure requirements relating to uninvited direct sale agreements
Fair Trading Act 1986
You can cancel a sale if someone comes to your house to sell you something
36M: Cancellation of uninvited direct sale agreement by consumer
Fair Trading Act 1986
Rules for sellers who come to your home or work without invitation
36N: Enforcement of uninvited direct sale agreement by supplier
Fair Trading Act 1986
What happens when you cancel a door-to-door sale agreement
36O: Effect of cancellation of uninvited direct sale agreement
Fair Trading Act 1986
What sellers must do when you cancel a door-to-door sale
36P: Supplier's obligations on cancellation of uninvited direct sale agreement
Fair Trading Act 1986
What you need to do when you cancel a sale from a door-to-door salesperson
36Q: Consumer's obligations on cancellation of uninvited direct sale agreement
Fair Trading Act 1986
Money rules when you cancel a surprise door-to-door sale
36R: Compensation on cancellation of uninvited direct sale agreement
Fair Trading Act 1986
Rules about financial products and when they don't have to follow all the usual rules
36S: Regulations
Fair Trading Act 1986
What is an extended warranty and who can offer it when you buy something?
36T: Meaning of extended warranty agreement and related definitions
Fair Trading Act 1986
Rules for sellers when offering extended warranties
36U: Disclosure requirements relating to extended warranty agreements
Fair Trading Act 1986
How to cancel an extended warranty and get your money back
36V: Cancellation of extended warranty agreement
Fair Trading Act 1986
Rules about extended warranties can be made by the Governor-General
36W: Regulations
Fair Trading Act 1986
What some important words mean in this part of the law about buying and selling
36X: Definitions
Fair Trading Act 1986
Each piece of property sold at an auction is its own separate deal
36Z: Each lot is separate contract of sale
Fair Trading Act 1986
How an auction starts and finishes, and what happens after
36ZA: Start and end of auction
Fair Trading Act 1986
Rules for joining an auction must be clearly shown to everyone taking part
36ZB: Notice to participants
Fair Trading Act 1986
Rules for buying things at auctions from businesses
36ZC: Vendors selling in trade
Fair Trading Act 1986
Rules about sellers bidding on their own items at auctions
36ZD: Vendor bids
Fair Trading Act 1986
You can take back your bid before an auction finishes
36ZE: Bids may be withdrawn until end of auction
Fair Trading Act 1986
Auctioneers must give you your money and a sale report within a set time
36ZF: Account and payment of proceeds
Fair Trading Act 1986
What are infringement offences and how much do they cost?
40B: Infringement offence, etc, defined
Fair Trading Act 1986
The government can give you a written warning if they think you broke the rules
40D: Issue of infringement notice
Fair Trading Act 1986
Rules for giving you a notice if you break a Fair Trading rule
40E: Procedural requirements for infringement notices
Fair Trading Act 1986
The Commerce Commission gives money from fines to the government
40F: What Commission does with infringement fees
Fair Trading Act 1986
An infringement notice protects you from getting a criminal record
40G: Effect of infringement notice
Fair Trading Act 1986
Rules to stop businesses from using unfair terms in their contracts with customers
26A: Unfair contract terms in standard form consumer contracts
Fair Trading Act 1986
The Commerce Commission can ask a court to decide if a contract term is unfair
46H: Application by Commission for declaration of unfair contract term
Fair Trading Act 1986
Courts can decide if some contract terms are not fair for customers or small businesses
46I: Declaration of unfair contract terms
Fair Trading Act 1986
Rules about contracts that are mostly written by one side
46J: Standard form contracts
Fair Trading Act 1986
Rules about which contract terms can't be called unfair
46K: Terms that may not be declared to be unfair contract terms
Fair Trading Act 1986
When a contract term is not fair to one side
46L: When term in consumer contract or small trade contract is unfair
Fair Trading Act 1986
List of ways a contract can be unfair to one person
46M: Examples of unfair contract terms
Fair Trading Act 1986
This explains the name of the law and when it started working
1: Short Title and commencement
Fair Trading Act 1986
Understanding important words and phrases used in the Fair Trading Act
2: Interpretation
Fair Trading Act 1986
New Zealand's fair trading rules apply even when you're overseas
3: Application of Act to conduct outside New Zealand
Fair Trading Act 1986
You can't get in trouble under this law if you didn't break other money rules, but this rule doesn't exist anymore
5A: No liability under Act if not liable under Securities Act 1978 or Securities Markets Act 1988
Fair Trading Act 1986
The Fair Trading Act doesn't cover company buying and selling rules
5B: Act does not apply to certain conduct regulated by Takeovers Code
Fair Trading Act 1986
Commission's job is to help people understand buying and selling rules
6: Functions of Commission in relation to dissemination of information
Fair Trading Act 1986
The government no longer sets aside money for this law in the same way
7: Money to be appropriated by Parliament for purposes of this Act
Fair Trading Act 1986
The rule about yearly reports was removed from the law in 2005
8: Annual report
Fair Trading Act 1986
Rules about being fair and honest when selling things or making deals
Fair Trading Act 1986
Businesses must be honest and not trick people
9: Misleading and deceptive conduct generally
Fair Trading Act 1986
You must be honest when selling things
10: Misleading conduct in relation to goods
Fair Trading Act 1986
Businesses must be honest about their services
11: Misleading conduct in relation to services
Fair Trading Act 1986
Be honest about jobs and don't trick people looking for work
12: Misleading conduct in relation to employment
Fair Trading Act 1986
No lying or tricking when buying or selling things
13: False or misleading representations
Fair Trading Act 1986
Telling lies or tricking people when buying or selling land is not allowed
14: False representations and other misleading conduct in relation to land
Accident Compensation Act 2001
Explaining who counts as a spouse in accident compensation cases
18: Spouse (and spouse in relation to deceased claimant)
Accident Compensation Act 2001
When your injury from medical care is officially recognised
38: Date on which person is to be regarded as suffering treatment injury
Accident Compensation Act 2001
ACC gives you benefits according to this law
68: Corporation provides entitlements in accordance with this Act
Accident Compensation Act 2001
Rules for who can decide if you need urgent accident treatment
74: Limits on treatment providers in decisions on acute treatment
Accident Compensation Act 2001
Money you get each week when you can't work because of an injury
Accident Compensation Act 2001
The Corporation might pay you extra money if they're late giving you your weekly payments
114: Payment of interest when Corporation makes late payment of weekly compensation
Accident Compensation Act 2001
Updating payment amounts for different types of ACC compensation
116: Indexation of lump sum compensation, funeral grant, survivor's grant, and child care payments
Accident Compensation Act 2001
You can't get help if you killed the person you're meant to get help for
120: Disentitlement for conviction for murder
Accident Compensation Act 2001
ACC pays money owed to you to your family after you die
126: Corporation to pay amount to claimant's estate
Accident Compensation Act 2001
Getting compensation payments when you're hurt and outside New Zealand
127: Payment of weekly compensation and lump sum compensation to claimant outside New Zealand
Accident Compensation Act 2001
ACC and insurers must work together to help you if you get hurt again
295: Obligation to provide entitlements where subsequent injury occurs
Accident Compensation Act 2001
Rules for giving out lump sum payments for injuries
326: Regulations relating to lump sum compensation
Accident Compensation Act 2001
Rules for adjusting payments to match changes in living costs
327: Regulations relating to indexation
Accident Compensation Act 2001
Rules about sharing and collecting information for accident compensation
332: Regulations relating to information
Accident Compensation Act 2001
Rules for how accident compensation works
333: General power to make regulations
Accident Compensation Act 2001
Extra money for late weekly payments
371: Interest on late payments of weekly compensation
Accident Compensation Act 2001
Rules for getting lump sum payments from old accident laws
380: Lump sum compensation under former Acts
Accident Compensation Act 2001
Adjusting old accident payments for changes in the cost of living
388: Indexation of certain entitlements payable under former Acts
Local Government (Water Services) Bill
What happens if you don't pay for your water services
Local Government (Water Services) Bill
Paying late: what happens if you don't pay your water bill on time
71: Authorisation of penalties
Local Government (Water Services) Bill
What information must be on an infringement notice you receive
361: What infringement notice must contain
Local Government (Water Services) Bill
Trustees must write a yearly report on what they did and how they managed the trust's money.
51A: Annual report
Local Government (Water Services) Bill
Protection for trustees from paying costs if they act honestly and follow the rules
51B: Trustees’ indemnity and liability
Partnership Law Act 2019
Partners may be responsible for mistakes made by other partners in their business
23: Liability of firm for partner’s wrongful acts or omissions
Privacy Act 2020
Agency's decision to give you access to your information
45: Decision to grant access to personal information
Privacy Act 2020
Deciding if a privacy breach is serious enough to report
113: Assessment of likelihood of serious harm being caused by privacy breach
Privacy Act 2020
When and how agencies can charge for accessing or correcting your personal information
66: Charges
Privacy Act 2020
How you can get compensation if someone interferes with your privacy
103: Damages
Residential Care and Disability Support Services Act 2018
Help with Paying for Long-Term Care for Older People
Residential Care and Disability Support Services Act 2018
This law decides who pays for certain care services, like long-term care, that have been agreed to.
9: This Act determines who pays for LTR contracted care
Residential Care and Disability Support Services Act 2018
You can get funding if you meet certain rules set by the government.
13: Funding eligible
Residential Care and Disability Support Services Act 2018
There are 4 basic rules about who pays for long-term care.
Residential Care and Disability Support Services Act 2018
You won't pay more than the maximum amount for your care, no matter what you have.
15: Rule 1: no qualifying person to pay more than maximum contribution
Residential Care and Disability Support Services Act 2018
The funder pays the rest of your care costs after you pay your share.
18: Rule 4: funder must pay difference between qualifying person’s contribution and cost of LTR contracted care
Residential Care and Disability Support Services Act 2018
Who is a special case person in residential care and disability support?
20: Who is special case person
Residential Care and Disability Support Services Act 2018
A single person who is 50 years old or more
Residential Care and Disability Support Services Act 2018
A 50+ single person is someone aged 50-64, single, with no kids, getting funded care.
21: Who is 50+ single person
Residential Care and Disability Support Services Act 2018
Some people are exempt from rules, these are called special case persons.
Residential Care and Disability Support Services Act 2018
Who doesn't have to follow all the rules about paying for care and support services
23: Who is exempt person
Residential Care and Disability Support Services Act 2018
Exempt people pay for some of their care using their benefit, minus a small amount they can keep.
24: Exempt person liable to contribute benefit only
Residential Care and Disability Support Services Act 2018
Elderly victims of crime don't have to pay for their long-term care.
26: Elderly victim of crime not liable to contribute to cost of LTR contracted care
Residential Care and Disability Support Services Act 2018
Getting the results of your care needs assessment
30: Notification of result of needs assessment
Residential Care and Disability Support Services Act 2018
Who can ask for a means assessment to get help with care costs
32: Who may apply for means assessment
Residential Care and Disability Support Services Act 2018
MSD must check how much money you have when you apply for help.
33: MSD must arrange for means assessment
Residential Care and Disability Support Services Act 2018
They check what things you own to work out what you can afford.
Residential Care and Disability Support Services Act 2018
Working out how much money you have for support
37: Income assessment
Residential Care and Disability Support Services Act 2018
What you pay for care services is based on your income and assets
38: Content of income assessment
Residential Care and Disability Support Services Act 2018
Things that affect how much money you have, like giving away income or property.
Residential Care and Disability Support Services Act 2018
A notice that tells you how your money and assets will be used to decide how much you pay.
Residential Care and Disability Support Services Act 2018
The government must write down the result of your means assessment so you have an official record.
41: Means assessment must be recorded in writing
Residential Care and Disability Support Services Act 2018
When something in your life changes, it can affect the help you get.
Residential Care and Disability Support Services Act 2018
Tell MSD if your situation changes and it might affect your care help
43: Obligation to notify MSD of change in circumstances
Residential Care and Disability Support Services Act 2018
You have the right to check and challenge the result of your means assessment.
44: Funder must ensure person assessed advised of right of review
Residential Care and Disability Support Services Act 2018
Whether you are single, married, or in a partnership can affect your support.
Residential Care and Disability Support Services Act 2018
When you're married but living apart, the government may treat you as single for money assessments.
45: Relationship status for purpose of means assessment: determination that person is single
Residential Care and Disability Support Services Act 2018
Checking how much money you have to pay for care
Residential Care and Disability Support Services Act 2018
When your money and belongings are checked
Residential Care and Disability Support Services Act 2018
When your application for a means assessment is received, that's the date that matters for your assessment.
52: Date of means assessment
Residential Care and Disability Support Services Act 2018
How much you can be charged for rest-home care in your area
53: Determination of maximum contribution
Residential Care and Disability Support Services Act 2018
Who is responsible if something goes wrong with the money for care services?
Residential Care and Disability Support Services Act 2018
Who pays for your care when you're exempt and in long-term residential care?
54: Funder’s liability for cost of LTR contracted care of exempt person
Residential Care and Disability Support Services Act 2018
The government pays for care home costs for elderly victims of crime.
55: Funder’s liability for cost of LTR contracted care of elderly victim of crime
Residential Care and Disability Support Services Act 2018
When the person paying for care is responsible
Residential Care and Disability Support Services Act 2018
When the government must pay for care of people who are exempt or elderly victims of crime
57: When funder’s liability arises for cost of LTR contracted care of exempt person or elderly victim of crime
Residential Care and Disability Support Services Act 2018
When the government must pay for your long-term care if you're 50 or older and single
58: When funder’s liability arises for cost of LTR contracted care of 50+ single person
Residential Care and Disability Support Services Act 2018
MSD works out how much you pay for disability support services based on your money situation
60: MSD may assess person’s financial means and required payments
Residential Care and Disability Support Services Act 2018
You must not hide income or assets to pay less for disability support services
63: Deprivation of income or assets
Residential Care and Disability Support Services Act 2018
Your disability support assessment must include the date and costs, and be given to you.
64: Assessment must state date and payments and be given to person
Residential Care and Disability Support Services Act 2018
MSD checks and updates support payments to ensure people get the right amount of help.
66: MSD must review, and may revise, assessment
Residential Care and Disability Support Services Act 2018
Tell MSD if your situation changes when getting disability support at home
67: Person must advise MSD of change in person’s circumstances
Residential Care and Disability Support Services Act 2018
What to do if you disagree with a decision made about your support
69: Rights of review and appeal in Part 7 of Social Security Act 2018
Residential Care and Disability Support Services Act 2018
Money to help buy clothes if you need care and meet certain rules
71: Clothing allowance
Residential Care and Disability Support Services Act 2018
Telling lies or misleading people to get benefits or payments is against the law.
72: Offences: false statements, misleading, or attempting to mislead, to receive or continue to receive advantages
Residential Care and Disability Support Services Act 2018
Rules the Governor-General can make about care payments and services
74: Regulations
Residential Care and Disability Support Services Act 2018
What laws are no longer valid and have been cancelled or replaced.
77: Repeals and revocations
Residential Care and Disability Support Services Act 2018
Working out what you can afford to pay for home-based disability support
Schedule 3: Means assessment for home-based disability support services
Deposit Takers Act 2023
What the Deposit Takers Act 2023 is trying to achieve to help keep New Zealand's financial system safe and stable.
3: Purposes
Deposit Takers Act 2023
There's a limit on using certain words in adverts to protect people.
Deposit Takers Act 2023
Rules for using certain words when advertising financial services
434: Limit on use of restricted words in advertisement
Deposit Takers Act 2023
You have 3 years to take action after finding out about a problem, or up to 10 years after it happened.
164: Limitation
Deposit Takers Act 2023
Banks and lenders must show their credit rating on their website so you can see how safe they are.
66: Disclosure of credit rating on licensed deposit taker's Internet site
Deposit Takers Act 2023
Banks can make companies tell you if they're doing something wrong
133: Bank may require its warning to be disclosed
Deposit Takers Act 2023
Don't falsely claim a financial product is a protected deposit to trick people.
258: Offence to hold out that product is protected deposit
Deposit Takers Act 2023
Stopping people from making false claims about deposits is now clearer in the law.
487: Section 22 amended (False or misleading representations)
Deposit Takers Act 2023
You keep what you buy if you paid a fair price and didn't know it was in trouble.
311: Order may not deprive good-faith purchaser for value
Deposit Takers Act 2023
What to do when there's a problem with your money and how to appeal.
Deposit Takers Act 2023
Banks can share your information to help you get compensation.
223: Bank may disclose information to facilitate payment of compensation
Deposit Takers Act 2023
Banks must list which of your deposits are protected so you know your money is safe.
193: Licensed deposit taker must publish list of protected deposits
Civil Aviation Act 2023
Airline rules: contracts can't override your rights
278: Contracting out
Customer and Product Data Act 2025
Protection for sharing customer information when you think you're following the law
91: Defence for providing data in compliance or purported compliance with this Act
Customer and Product Data Act 2025
Making data more useful and accessible while promoting safety and innovation
Customer and Product Data Bill
A simple explanation of how this law wants to make it easier for you to control and share your information
Customer and Product Data Bill
Understanding the Big Picture: The Main Ideas Behind the Rules
Customer and Product Data Act 2025
When this law begins to apply to everyone
2: Commencement
Customer and Product Data Act 2025
This law helps you and businesses use data safely to improve services and products
3: Purpose
Customer and Product Data Act 2025
This part explains important words used in the law
5: Interpretation
Customer and Product Data Bill
The government must follow this law too
13: Act binds the Crown
Customer and Product Data Act 2025
Rules for managing information and making decisions about data sharing
Customer and Product Data Act 2025
Customer and Product Data Act 2025
You don't have to agree to data sharing to get a product
42: Authorisation must not be required as condition of providing product
Customer and Product Data Act 2025
Explaining how to allow someone to use your information
37: Giving authorisation
Customer and Product Data Act 2025
Checking who you are when you ask for information
45: Verification of identity of person who makes request
Customer and Product Data Act 2025
Companies must keep track of how they share people's information
46: Data holder must keep records about regulated data service
Customer and Product Data Bill
Rules about how companies handle your information and products
Customer and Product Data Act 2025
Rules for making the Customer and Product Data Act 2025 work
131: General regulations
Customer and Product Data Bill
Companies must create and follow rules about customer and product information
47: Data holders and accredited requestors must have customer data, product data, and action performance policies
Customer and Product Data Act 2025
This law explains how companies must handle your personal and product information when you or someone you trust asks for it
4: Overview
Customer and Product Data Act 2025
Who is in charge of keeping important customer and product information
6: Data holder
Customer and Product Data Act 2025
What the law means by customers and their information
8: Customer, customer data, and designated customer data
Customer and Product Data Act 2025
What products are and what information about them is important
9: Product, product data, and designated product data
Customer and Product Data Act 2025
Rules that explain how to follow the Customer and Product Data Act 2025
138: Standards
Customer and Product Data Act 2025
Customer and Product Data Act 2025
Give your info if you say it's okay and the asker is allowed
15: Data holder must provide customer data to accredited requestor if customer’s authorisation is confirmed
Customer and Product Data Bill
Companies must have a computer system ready to handle data requests
27: Data holder must operate electronic system for providing regulated data services
Customer and Product Data Act 2025
Customer and Product Data Act 2025
Data holder must follow verified customer requests from approved requestors
19: Data holder must perform certain actions on accredited requestor’s request if customer’s authorisation is confirmed
Customer and Product Data Act 2025
Companies must share specific product info if you ask nicely through a special system
22: Data holder must provide product data to any person
Customer and Product Data Act 2025
Companies must check if you've allowed them to share your information before they do it
39: Authorisation must be confirmed
Customer and Product Data Act 2025
Businesses must let customers complain if they're unhappy with how their data is used
48: Data holders and accredited requestors must have customer complaints process
Customer and Product Data Act 2025
The boss decides if someone can use customer information
112: Decision by chief executive
Customer and Product Data Act 2025
Only you, your helper, or a special approved person can ask for your customer data
43: Only customer, secondary user, or accredited requestor may request regulated data service
Customer and Product Data Act 2025
Breaking the rules of an exemption is the same as breaking the original law
142: Effect of breach of term or condition of exemption
Customer and Product Data Act 2025
Rules about what information can be shared and who can use it
107: Contents of designation regulations
Customer and Product Data Bill
What is a regulated data service and why is it important?
10: Regulated data service
Customer and Product Data Act 2025
Customer and Product Data Act 2025
Customer and Product Data Act 2025
Customer and Product Data Act 2025
When the boss can stop someone from asking for customer info
118: When chief executive may suspend or cancel accreditation
Customer and Product Data Act 2025
Rules for keeping and sharing customer and product information
32: Requirements for data holders in regulations or standards
Customer and Product Data Act 2025
Rules about asking for, giving, and sharing information
Customer and Product Data Bill
Words and phrases are explained to help understand the law.
Customer and Product Data Bill
This section explains what happens during changes and how things are kept safe.
Customer and Product Data Act 2025
Where the law applies and who it affects
11: Territorial application of Act
Customer and Product Data Bill
How to tell someone if you're worried about your information
Customer and Product Data Act 2025
You can check and change who sees your information
40: Customer or secondary user must be able to control authorisation
Customer and Product Data Act 2025
How to ask for permission to handle customer info
109: How application is made
Customer and Product Data Act 2025
How long your permission to ask for data lasts
116: Duration of accreditation
Customer and Product Data Bill
Approved companies must tell the government what they did with people's information each year
113: Annual reporting by accredited requestors
Customer and Product Data Act 2025
How permission to use your information can stop
38: Ending authorisation
Customer and Product Data Act 2025
Companies with data must follow rules when sharing or using it
31: Data holders must comply with requirements for requests, providing services, and making information available
Customer and Product Data Bill
A computer system that uses electricity to work with information
Customer and Product Data Act 2025
Rules for sharing information when you have a joint bank account or loan
21: How data holders and accredited requestors must deal with joint customers
Customer and Product Data Act 2025
Customer and Product Data Act 2025
Customer and Product Data Act 2025
Customer and Product Data Act 2025
Someone with special permission to ask for information
7: Accredited requestor
Customer and Product Data Act 2025
The government keeps a list of everyone involved in sharing customer and product data
121: Register of participants in customer and product data system
Customer and Product Data Act 2025
The register helps you find out who can ask for and share customer data
122: Purposes of register
Customer and Product Data Act 2025
What's in the public list of companies that handle your information
126: Contents of register that is publicly available
Customer and Product Data Act 2025
You could be fined for not giving requested information or documents
57: Offence for failing to comply with notice to supply information or produce documents
Customer and Product Data Act 2025
Rules about paying for services under this law
133: Regulations relating to fees and charges
Customer and Product Data Act 2025
Customer and Product Data Act 2025
Customer and Product Data Act 2025
You can't make deals to avoid following this law
143: No contracting out
Customer and Product Data Act 2025
Rules for companies dealing with people who can act for you when it comes to your data
24: How data holders and accredited requestors must deal with secondary users
Customer and Product Data Act 2025
Customer and Product Data Act 2025
You must follow special rules to fix problems if you break this law
58: Data holder or accredited requestor must take prescribed steps to avoid, mitigate, or remedy loss or damage caused by contravention
Customer and Product Data Act 2025
This law doesn't stop you from getting other kinds of help if someone breaks the rules
60: Other remedies or powers not limited
Customer and Product Data Act 2025
Requestors must keep customer data records for 5 years
47: Accredited requestor must keep records about regulated data service
Customer and Product Data Act 2025
Breaking rules about giving you your information is like messing with your privacy
51: Access request not IPP 6 request but contravention is interference with privacy
Customer and Product Data Act 2025
Breaking rules about storing or protecting personal info is like breaking a privacy rule
52: Certain contraventions relating to storage and security treated as breaching information privacy principle 5
Customer and Product Data Act 2025
Customer and Product Data Act 2025
Companies must do certain things you ask them to do with your information
18: Data holder must perform certain actions on customer’s request
Customer and Product Data Act 2025
Customer and Product Data Act 2025
Different ways you can be punished if you break the rules
69: Civil liability remedies available under this subpart
Customer and Product Data Act 2025
The biggest fine you might have to pay if you break important data sharing rules
71: Maximum penalty (Tier 1)
Customer and Product Data Act 2025
About this project
What is this project?
How do we do this?
Why is the law written like it is?
Should we use AI for this?
Is this information the actual law?
You can talk to Community Law or Citizen's Advice Bureau about your rights.
Remember that AI can make mistakes, and just reading the law isn't enough to understand how it could be used in court.