Topic

Consumer protection

This page contains different parts of laws about Consumer protection.

Accident Compensation Act 2001

Explaining who counts as a spouse in accident compensation cases

18: Spouse (and spouse in relation to deceased claimant)

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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

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Accident Compensation Act 2001

ACC gives you benefits according to this law

68: Corporation provides entitlements in accordance with this Act

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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

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Accident Compensation Act 2001

Money you get each week when you can't work because of an injury

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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

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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

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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

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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

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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

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Weights and Measures Act 1987

This law's name and when it started working

1: Short Title and commencement

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Weights and Measures Act 1987

Explaining important words and ideas in the Weights and Measures Act

2: Interpretation

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Weights and Measures Act 1987

This law applies to everyone, including the government

3: Act to bind the Crown

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Weights and Measures Act 1987

New Zealand uses metric units like kilograms and metres for measuring things

4: Metric standards of weights and measures

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Weights and Measures Act 1987

Rules for keeping and marking official weights and measures

6: Reference standards

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Weights and Measures Act 1987

Inspectors get special measuring tools to check if things are the right size or weight

7: Inspectors' working standards

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Weights and Measures Act 1987

Rules about using metric measurements when buying and selling things

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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

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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

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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

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Weights and Measures Act 1987

Rules for selling things fairly: making sure you get what you pay for

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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

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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

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Weights and Measures Act 1987

Rules for counting items when you buy them

15: Counting of goods sold by retail

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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

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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

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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

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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

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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

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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

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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

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Weights and Measures Act 1987

Telling someone their scales or measuring tools don't follow the rules

23: Notification of non-compliance

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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

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Weights and Measures Act 1987

People who check if weights and measures are correct

26: Inspectors of Weights and Measures

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Weights and Measures Act 1987

Inspectors can check shops and vehicles to make sure weights and measures are fair

28: Powers of Inspectors

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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

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Weights and Measures Act 1987

Rules about pretending to be inspectors and using fake stamps or marks on weights and measures

32: Offences

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Weights and Measures Act 1987

What happens when you break weight and measure rules

32A: Infringement offences

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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

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Weights and Measures Act 1987

How to pay fines for breaking rules about weights and measures

32C: Payment of infringement fees

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Weights and Measures Act 1987

What happens if you break the weights and measures rules

33: Penalties

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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

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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

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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

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Weights and Measures Act 1987

Getting your seized stuff back if you think it's fair

39: Restoration of articles seized

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Weights and Measures Act 1987

What happens to things taken away if they might not be correct

40: Disposal of articles seized

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Weights and Measures Act 1987

Rules about getting money back for spoiled food taken by officials

40A: Compensation for loss of perishable goods

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Weights and Measures Act 1987

Rules for fair and accurate weights and measures in New Zealand

41: Regulations

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Weights and Measures Act 1987

Rules for checking if package contents match their labels

41A: Regulations for purposes of section 16A(3)

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Weights and Measures Act 1987

Rules about paying for checking weights and measures

42: Fees

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Weights and Measures Act 1987

List of official measurements used in New Zealand

Schedule 2: Standards of weights and measures

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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

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Accident Compensation Act 2001

Rules for giving out lump sum payments for injuries

326: Regulations relating to lump sum compensation

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Accident Compensation Act 2001

Rules for adjusting payments to match changes in living costs

327: Regulations relating to indexation

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Accident Compensation Act 2001

Rules about sharing and collecting information for accident compensation

332: Regulations relating to information

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Accident Compensation Act 2001

Rules for how accident compensation works

333: General power to make regulations

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Accident Compensation Act 2001

Extra money for late weekly payments

371: Interest on late payments of weekly compensation

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Accident Compensation Act 2001

Rules for getting lump sum payments from old accident laws

380: Lump sum compensation under former Acts

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Accident Compensation Act 2001

Adjusting old accident payments for changes in the cost of living

388: Indexation of certain entitlements payable under former Acts

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Financial Service Providers (Registration and Dispute Resolution) Act 2008

Helping you understand and trust money matters

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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

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Financial Service Providers (Registration and Dispute Resolution) Act 2008

Words and their meanings in this law about money services

4: Interpretation

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Financial Service Providers (Registration and Dispute Resolution) Act 2008

What counts as a financial service in this law

5: Meaning of financial service

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Financial Service Providers (Registration and Dispute Resolution) Act 2008

Signing up and staying on the list of money helpers

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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Financial Service Providers (Registration and Dispute Resolution) Act 2008

Solving money arguments: How to fix problems between customers and money businesses

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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

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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

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Financial Service Providers (Registration and Dispute Resolution) Act 2008

Asking for approval to run a complaint-solving service

51: Application for approval

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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

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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

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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

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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

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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

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Financial Service Providers (Registration and Dispute Resolution) Act 2008

Scheme managers must show everyone who belongs to their group online

62: List of members

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Financial Service Providers (Registration and Dispute Resolution) Act 2008

Rules for solving problems between financial companies and customers

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Financial Service Providers (Registration and Dispute Resolution) Act 2008

Rules for solving problems with financial service providers

63: Rules about approved dispute resolution scheme

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Financial Service Providers (Registration and Dispute Resolution) Act 2008

Dispute scheme bosses must show the rules to everyone

64: Obligation to publish rules

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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

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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

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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

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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

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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)

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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

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Financial Service Providers (Registration and Dispute Resolution) Act 2008

Rules for settling money arguments with financial companies

79: Regulations under this Part

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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

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Income Tax Act 2007

When and how to ask for money back

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Income Tax Act 2007

Rules about giving money back

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Income Tax Act 2007

How to handle money matters when things or services are part of a deal

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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

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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

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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

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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

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Companies Act 1993

When a company buys your shares and how it affects your shareholder rights

112C: Timing of transfer of shares

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Financial Service Providers (Registration and Dispute Resolution) Act 2008

People who need extra protection when using financial services

49: Who are retail clients

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Trade Marks Act 2002

Lying about trade marks is against the law

186: Offences relating to false representation of trade mark

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Trade Marks Act 2002

Rules about paying money for things

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Local Government Act 2002

Deals that are safe and cannot be undone

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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

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Local Government Act 2002

Getting money back when something is broken or damaged

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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

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Civil Aviation Act 1990

How much money you might get if something goes wrong with your flight

91H: Value of special drawing right

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Civil Aviation Act 1990

Airlines can't change rules about paying you if something goes wrong

91ZD: Contracting out

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Civil Aviation Act 1990

Rules for buying and drinking alcohol at airports for international travellers

96: Sale of alcohol at international airports

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Resource Management Act 1991

Paying back costs for emergency work or getting compensation for damage

331: Reimbursement or compensation for emergency works

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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

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Child Support Act 1991

The court can undo property moves made to avoid paying child support

201: Dispositions may be set aside

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Electricity Industry Act 2010

Explaining important words and roles in electricity rules

5: Interpretation

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Electricity Industry Act 2010

What counts as breaking a rule in this law

6: Extended meaning of breach

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Electricity Industry Act 2010

Some people or groups don't have to sign up as electricity industry participants

10: Exemption from obligation to register

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Electricity Industry Act 2010

Sometimes you don't have to follow the Electricity Industry Code

11: Exemption from obligation to comply with Code

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Electricity Industry Act 2010

How to complain about electricity companies

95: Complaints about Transpower, distributors, and retailers

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Electricity Industry Act 2010

Rules for joining a group that helps solve customer problems in the electricity industry

96: Membership of dispute resolution scheme

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Electricity Industry Act 2010

Following the rules and decisions of your dispute resolution group

97: Compliance with rules and binding settlements

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Electricity Industry Act 2010

Rules and punishments for trustees who break the law

104: Offences, enforcement, and application of sections 99 to 103

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Electricity Industry Act 2010

Rules for fair electricity prices and good customer service

113: Regulations about tariffs and other consumer issues

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Electricity Industry Act 2010

Changes to a law about buying and selling things

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Electricity Industry Act 2010

Changes made to rules about business and trade

145: Amendments to Commerce Act 1986

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Electricity Industry Act 2010

Rules for setting prices on different goods and services

147: Matters covered by input methodologies

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Wildlife Act 1953

Rules for hunting game on private land in New Zealand

19: Licence to hunt or kill game

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Electricity Act 1992

Rules about how much electricity costs and what happens if someone breaks those rules

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Electricity Act 1992

What counts as a home for electricity pricing has changed

64: Definition of domestic premises

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Electricity Act 1992

Rules about money records for groups that help customers and communities

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Electricity Act 1992

Rules about choosing which company sells you electricity

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Electricity Act 1992

Rules about how people who benefit from community and customer trusts can access information

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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

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Financial Service Providers (Registration and Dispute Resolution) Act 2008

People who want fewer protections when getting money help

49A: Who are eligible investors

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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

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Financial Service Providers (Registration and Dispute Resolution) Act 2008

How to cancel your special investor status with a financial company

49C: Revocation of certification

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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

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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

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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

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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

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Financial Service Providers (Registration and Dispute Resolution) Act 2008

Money penalties for breaking rules about selling to businesses

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Financial Service Providers (Registration and Dispute Resolution) Act 2008

Money penalty for breaking wholesale certification rules

79A: Pecuniary order for contravening wholesale certification requirement

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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

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Charitable Trusts Act 1957

Understanding important words in this law

2: Interpretation

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Charitable Trusts Act 1957

Tell everyone about changes to a charitable trust before the court decides

36: Scheme to be advertised

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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

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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

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Consumer Guarantees Act 1993

Ensuring fair and confident buying and selling for everyone

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Consumer Guarantees Act 1993

This law's name and when it started working

1: Short Title and commencement

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Consumer Guarantees Act 1993

This part explains what important words mean in this law

2: Interpretation

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Consumer Guarantees Act 1993

This law applies to everyone, including the government

3: Act to bind the Crown

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Income Tax Act 2007

Rules about insurance policies where you don't get to share in the profits

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Consumer Guarantees Act 1993

This law works with other laws to protect you

4: Act not a code

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Consumer Guarantees Act 1993

Promises about things you buy

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Consumer Guarantees Act 1993

Promises sellers make about who owns the things they sell you

5: Guarantees as to title

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Consumer Guarantees Act 1993

Goods you buy should be good enough to use

6: Guarantee as to acceptable quality

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Consumer Guarantees Act 1993

What it means for something you buy or hire to be good enough

7: Meaning of acceptable quality

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Consumer Guarantees Act 1993

Products must work for what you want to use them for

8: Guarantees as to fitness for particular purpose

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Consumer Guarantees Act 1993

Sellers must make sure what you buy matches how it was described

9: Guarantee that goods comply with description

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Consumer Guarantees Act 1993

Goods must match the sample or demo you saw when buying

10: Guarantee that goods comply with sample

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Consumer Guarantees Act 1993

A promise that you won't be charged too much when buying something

11: Guarantee as to price

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Consumer Guarantees Act 1993

Makers must provide repairs and parts for a reasonable time

12: Guarantee as to repairs and spare parts

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Consumer Guarantees Act 1993

Promises made by product makers must be kept

13: Express guarantees

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Consumer Guarantees Act 1993

Rules about selling things to people

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Consumer Guarantees Act 1993

Rules for promises made by companies who make things you buy

14: Provisions relating to manufacturers' express guarantees

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Consumer Guarantees Act 1993

Goods you get as part of a service still have to be good quality

15: Contracts of work and materials

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Consumer Guarantees Act 1993

When you can ask a shop to fix or replace things you bought

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Consumer Guarantees Act 1993

You can ask suppliers to fix problems with things you bought

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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

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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

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Consumer Guarantees Act 1993

Ways to fix problems when you buy something

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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

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Consumer Guarantees Act 1993

The seller must fix problems with things you buy

19: Requirement to remedy

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Consumer Guarantees Act 1993

Rules about when you can return things you bought that aren't right

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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

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Consumer Guarantees Act 1993

When a product is really not what you expected or doesn't work properly

21: Failure of substantial character

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Consumer Guarantees Act 1993

How to tell a shop you don't want their stuff anymore

22: Manner of rejecting goods

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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

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Consumer Guarantees Act 1993

People who get gifts have the same rights as if they bought the item themselves

24: Rights of donees

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Consumer Guarantees Act 1993

When you can ask the maker to fix or replace things they sold you that don't work properly

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Consumer Guarantees Act 1993

The right to seek help from makers when something you bought isn't good

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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

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Consumer Guarantees Act 1993

When you can't ask the maker to fix a faulty product

26: Exceptions to right of redress against manufacturers

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Consumer Guarantees Act 1993

Ways to fix problems or get help when something goes wrong

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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

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Consumer Guarantees Act 1993

Getting Things Done for You: Making Sure Services Are Good and Fair

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Consumer Guarantees Act 1993

Services must be done carefully and properly

28: Guarantee as to reasonable care and skill

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Consumer Guarantees Act 1993

Guarantee that a service will do what you ask for

29: Guarantee as to fitness for particular purpose

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Consumer Guarantees Act 1993

Services must be finished on time

30: Guarantee as to time of completion

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Consumer Guarantees Act 1993

A fair price guarantee for services when the price isn't already set

31: Guarantee as to price

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Consumer Guarantees Act 1993

What you can do if a service doesn't meet the promised quality

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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

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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

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Consumer Guarantees Act 1993

Your rights when someone does work and provides materials

34: Contracts of work and materials

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Consumer Guarantees Act 1993

Rules about stopping a service you don't want anymore

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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

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Consumer Guarantees Act 1993

When a service you get has a really big problem

36: Failure of substantial character

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Consumer Guarantees Act 1993

How to properly cancel a service contract

37: Rules applying to cancellation

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Consumer Guarantees Act 1993

What happens when you cancel a service contract

38: Effects of cancellation

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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

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Consumer Guarantees Act 1993

This section keeps other important rules in place

40: Saving

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Consumer Guarantees Act 1993

Other important rules and details

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Consumer Guarantees Act 1993

Things that don't follow the normal rules

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Consumer Guarantees Act 1993

When this law doesn't work: gifts from friends and charity help

41: Exceptions

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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

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Consumer Guarantees Act 1993

You must follow the Act's rules, except for some business deals

43: No contracting out except for business transactions

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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

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Consumer Guarantees Act 1993

Some extra rules that don't fit into other categories

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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

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Consumer Guarantees Act 1993

Who is responsible when promises are made about goods you buy

45: Liability for representations

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Consumer Guarantees Act 1993

Who has to pay if there's a problem with something you bought

46: Liability of assignees and creditors

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Consumer Guarantees Act 1993

Which court can help you with problems about things you bought?

47: Jurisdiction

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Consumer Guarantees Act 1993

Changes made to an old law about buying and selling things

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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

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Consumer Guarantees Act 1993

Changes made to the rules about buying things on payments over time

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Consumer Guarantees Act 1993

This rule about consumer rights for hire purchases no longer exists

49: Exclusion where Consumer Guarantees Act 1993 applies

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Consumer Guarantees Act 1993

Changes to the rules for people who sell cars

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Consumer Guarantees Act 1993

How a special fund for car dealers has changed

50: Application of Motor Vehicle Dealers Fidelity Guarantee Fund

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Consumer Guarantees Act 1993

What the Disputes Tribunal can and can't decide

51: Jurisdiction of Disputes Tribunal

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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

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Consumer Guarantees Act 1993

Changes to rules about fixing problems in agreements

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Consumer Guarantees Act 1993

This part explains how the law deals with people who take over others' rights

53: Assignees

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Consumer Guarantees Act 1993

Changes to another law are saved and included in that law

54: Savings

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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

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Consumer Guarantees Act 1993

Rules about when and how these laws are used

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Consumer Guarantees Act 1993

This law doesn't work for stuff you bought or services you hired before it started

56: Application of Act

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Companies Act 1993

Rules for offering special deals to company owners

55: Shareholder discounts

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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

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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

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Companies Act 1993

Actions that can be unfair to shareholders

175: Certain conduct deemed prejudicial

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Companies Act 1993

Required records that companies must keep and where to keep them

189: Company records

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Companies Act 1993

Companies must provide shareholders with annual reports or notices about accessing them

209: Obligation to make annual report available to shareholders

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Companies Act 1993

What you need to include in your company's yearly report

211: Contents of annual report

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Companies Act 1993

How companies get approval to join together

221: Approval of amalgamation proposal

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Companies Act 1993

Essential services must be provided to companies in liquidation

275: Refusal to supply essential services prohibited

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Financial Markets Authority Act 2011

Setting up a new financial watchdog for New Zealand

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Financial Markets Authority Act 2011

This Act creates a new group to watch over money matters in New Zealand

3: Purpose of this Act

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Financial Markets Authority Act 2011

Understanding key terms in the Financial Markets Authority Act

4: Interpretation

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Financial Markets Authority Act 2011

The government must follow this law just like everyone else

5: Act binds the Crown

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Financial Markets Authority Act 2011

Setting up and running the group that watches over money matters

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Financial Markets Authority Act 2011

Creating a new group to watch over money matters

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Financial Markets Authority Act 2011

New government team created to watch over money matters

6: Financial Markets Authority established

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Financial Markets Authority Act 2011

The main goals and jobs of the Financial Markets Authority

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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

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Financial Markets Authority Act 2011

Who is part of the FMA's leadership team

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Financial Markets Authority Act 2011

How many people can be on the FMA board?

10: Membership of board of FMA

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Financial Markets Authority Act 2011

FMA board can have special helpers chosen by the Minister

11: Associate members

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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

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Financial Markets Authority Act 2011

Rules about different parts of the Financial Markets Authority

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Financial Markets Authority Act 2011

The FMA can split up its work into different teams

14: FMA may act by divisions

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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

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Financial Markets Authority Act 2011

The FMA can use smaller groups to make decisions and do tasks

16: Powers of division

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Financial Markets Authority Act 2011

Rules about how the FMA holds its meetings

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Financial Markets Authority Act 2011

How many FMA members must attend meetings for decisions to be made

17: Quorum for meetings of FMA

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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

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Financial Markets Authority Act 2011

Other important things to know about

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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

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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

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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

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Financial Markets Authority Act 2011

How the FMA proves its decisions in court

24: Evidence of orders and decisions of FMA

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Financial Markets Authority Act 2011

How the FMA can gather information and enforce rules to keep financial markets fair

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Financial Markets Authority Act 2011

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Financial Markets Authority Act 2011

The authority can ask for and collect important information and proof.

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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

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Financial Markets Authority Act 2011

The FMA can collect different types of information to help make decisions

26: Powers of FMA to receive evidence

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Financial Markets Authority Act 2011

Ways you can share information with the FMA

27: How evidence may be given

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Financial Markets Authority Act 2011

The FMA might pay you if you're a witness, but not too much

28: Witnesses' expenses

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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

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Financial Markets Authority Act 2011

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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.

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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

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Financial Markets Authority Act 2011

The ability to help when regulators from other countries ask for assistance

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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

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Financial Markets Authority Act 2011

The FMA carefully considers requests from overseas before deciding to help

32: FMA's consideration of requests

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Financial Markets Authority Act 2011

Rules about collecting information and making sure people follow the law

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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

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Financial Markets Authority Act 2011

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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

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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

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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

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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

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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

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Financial Markets Authority Act 2011

FMA can act for a group of people with similar concerns in court

39: Representative actions

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Financial Markets Authority Act 2011

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Financial Markets Authority Act 2011

The ability to keep certain information secret

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Financial Markets Authority Act 2011

FMA can keep certain information secret during their work

44: Power to make confidentiality orders

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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

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Financial Markets Authority Act 2011

The ability to agree on promises with others

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Financial Markets Authority Act 2011

FMA can accept written promises from people or companies about their work

46: FMA may accept undertakings

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Financial Markets Authority Act 2011

Keeping promises made to the FMA and what happens if you don't

47: Enforcement of undertakings

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Financial Markets Authority Act 2011

Asking the High Court for its opinion on a legal matter

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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

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Financial Markets Authority Act 2011

The ability to make someone show a warning

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Financial Markets Authority Act 2011

FMA can make people share its money warnings

49: FMA may require its warning to be disclosed

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Financial Markets Authority Act 2011

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Financial Markets Authority Act 2011

FMA can let someone gather important facts or papers

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Financial Markets Authority Act 2011

FMA can let others collect information for them

52: Power to authorise person to obtain information or documents

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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

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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

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Financial Markets Authority Act 2011

Powers to gather information and protect certain rights

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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

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Financial Markets Authority Act 2011

What happens when legal actions are going on while powers are being used

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Financial Markets Authority Act 2011

What happens when you challenge the FMA's powers in court

57: Effect of proceedings

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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

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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

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Financial Markets Authority Act 2011

Other important rules and details

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Financial Markets Authority Act 2011

Rules for sending official notices from the Financial Markets Authority

62: Notices

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Financial Markets Authority Act 2011

How to send and receive important legal messages

63: Service of notices

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Financial Markets Authority Act 2011

FMA can use its powers from this law and other laws too

64: Powers not limited

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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

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Financial Markets Authority Act 2011

Important changes and rules for money matters

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Financial Markets Authority Act 2011

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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

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Financial Markets Authority Act 2011

FMA must talk to people before asking for money

69: FMA must consult about request for appropriation

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Financial Markets Authority Act 2011

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Financial Markets Authority Act 2011

Words and their meanings in this part of the law

70: Interpretation

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Financial Markets Authority Act 2011

Getting rid of a group that watched over money matters

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Financial Markets Authority Act 2011

The old Securities Commission has been replaced by a new Financial Markets Authority

71: Securities Commission disestablished

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Financial Markets Authority Act 2011

What happens when the Securities Commission is replaced by the Financial Markets Authority

72: Consequences of disestablishment

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Financial Markets Authority Act 2011

Replacing 'Commission' with 'FMA' in old documents

73: References to Securities Commission

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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

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Financial Markets Authority Act 2011

The FMA keeps using old records without needing to change names

76: Registers

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Financial Markets Authority Act 2011

Other important rules and details

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Financial Markets Authority Act 2011

Rules about Ministry workers getting new jobs at the Financial Markets Authority

81: Ministry of Economic Development employees

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Financial Markets Authority Act 2011

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Financial Markets Authority Act 2011

This law changes other laws to keep everything up to date

82: Amendments to other enactments

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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

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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

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Financial Markets Authority Act 2011

Laws that help keep money and financial services safe in New Zealand

Schedule 1: Financial markets legislation

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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

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Financial Markets Authority Act 2011

Changes to other laws and rules because of the new money watchdog law

Schedule 3: Amendments to other enactments

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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

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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

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Companies Act 1993

How companies send documents to shareholders and creditors

391: Service of documents on shareholders and creditors

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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

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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

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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

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Residential Tenancies Act 1986

The landlord pays for shared costs, while you pay for what you use in your own room.

66E: Outgoings

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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

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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

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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

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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

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Crimes Act 1961

This law explains what happens if you make, use, or have fake money.

266: Offences involving coinage

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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

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Sale and Supply of Alcohol Act 2012

Some people are exempt from rules about selling and giving away alcohol.

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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

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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

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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

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Sale and Supply of Alcohol Act 2012

Selling alcohol to drink on the premises

14: On-licences generally

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Sale and Supply of Alcohol Act 2012

Rules for restaurants that let customers bring their own alcohol

15: On-licences: BYO restaurants

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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

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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

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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

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Sale and Supply of Alcohol Act 2012

Auctioneers with a special licence can sell alcohol at auctions.

20: Off-licences: auctioneers

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Sale and Supply of Alcohol Act 2012

Selling alcohol to club members on club premises

21: Club licences

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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

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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

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Sale and Supply of Alcohol Act 2012

Special licences for restaurants, auctioneers, and caterers that let people bring their own alcohol.

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Sale and Supply of Alcohol Act 2012

Rules for restaurants that let customers bring their own alcohol

37: On-licences for BYO restaurants

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Sale and Supply of Alcohol Act 2012

Selling alcohol at events: special rules for caterers

38: On-licences for caterers

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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

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Sale and Supply of Alcohol Act 2012

Maximum hours to sell or serve alcohol in New Zealand

43: Default national maximum trading hours

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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

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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

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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

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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

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Sale and Supply of Alcohol Act 2012

People who sell alcohol in shops, bars, or clubs must follow certain rules.

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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

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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

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Sale and Supply of Alcohol Act 2012

Places that sell alcohol must also sell food at fair prices

53: Food to be available

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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

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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

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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

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Sale and Supply of Alcohol Act 2012

Showing your alcohol licence where people can see it

57: Display of licence: all licences

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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

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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

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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

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Sale and Supply of Alcohol Act 2012

Rules you must follow when selling or supplying alcohol

63: Requirements and restrictions imposed as conditions

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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

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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

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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

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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

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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

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Sale and Supply of Alcohol Act 2012

People need to apply for a licence to sell or supply alcohol.

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Sale and Supply of Alcohol Act 2012

How to object to a liquor licence application

102: Objections to applications

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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

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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

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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

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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

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Sale and Supply of Alcohol Act 2012

Extra rules licence holders must follow, decided by the people approving the licence

117: Other discretionary conditions

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Sale and Supply of Alcohol Act 2012

How long alcohol can be sold and supplied

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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

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Sale and Supply of Alcohol Act 2012

Telling people about your special alcohol licence application

139: Notification requirements

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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

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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

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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

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Sale and Supply of Alcohol Act 2012

How to show your special alcohol licence

150: Display of special licences

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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

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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

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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

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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

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Sale and Supply of Alcohol Act 2012

Selling alcohol without a licence is against the law

233: Sales by unlicensed persons

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Sale and Supply of Alcohol Act 2012

No selling alcohol in unlicensed places

234: Allowing unlicensed premises to be used for sale of alcohol

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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

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Sale and Supply of Alcohol Act 2012

People must not promote alcohol in a way that is harmful or irresponsible.

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Sale and Supply of Alcohol Act 2012

Don't encourage people to drink too much alcohol

237: Irresponsible promotion of alcohol

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Sale and Supply of Alcohol Act 2012

Some alcohol products are banned or restricted in New Zealand.

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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

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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

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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

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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

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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

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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

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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

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Sale and Supply of Alcohol Act 2012

Breaking rules on premises where alcohol is sold.

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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

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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

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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

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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

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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

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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

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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

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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

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Sale and Supply of Alcohol Act 2012

Breaking the rules about selling or supplying alcohol can get you in trouble.

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Sale and Supply of Alcohol Act 2012

Breaking alcohol rules can lead to fines, known as infringement offences

260: Infringement offences

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Sale and Supply of Alcohol Act 2012

Paying a fine for breaking alcohol laws: where the money goes

263: Payment of infringement fees

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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

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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

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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

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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

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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

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Sale and Supply of Alcohol Act 2012

Other important rules about selling and supplying alcohol.

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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

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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

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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

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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

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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

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Sale and Supply of Alcohol Act 2012

Rules for shops to display alcohol information

401: Point-of-sale information regulations

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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

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Financial Markets Authority Act 2011

The FMA aims to make financial markets fair and easy for everyone

8: FMA's main objective

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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

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Financial Markets Authority Act 2011

Legal time limits for FMA start when they ask permission to sue

42: Special limitation provision

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Financial Markets Authority Act 2011

Rules for handling old and new financial market issues

43: Transitional provisions

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Financial Markets Authority Act 2011

The FMA must tell people when they make, change, or cancel rules

50: FMA must give notice of orders

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Financial Markets Authority Act 2011

Breaking the law by not following FMA orders

51: Offence of failing to comply with order

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Financial Markets Authority Act 2011

When and how you can share special information from section 25

54: Non-disclosure of information or documents from exercise of powers under section 25 except in certain circumstances

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Financial Markets Authority Act 2011

Keeping information private and secret

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Financial Markets Authority Act 2011

Keeping secrets safe: How the FMA protects important information

59: Confidentiality of information and documents

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Financial Markets Authority Act 2011

Rules for sharing information: How the FMA protects privacy when giving out details

60: Conditions relating to publication or disclosure of information or documents

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Financial Markets Authority Act 2011

Rules for changing how unit trusts work when the new law starts

83: Transitional provisions relating to consequential amendments to Unit Trusts Act 1960

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Financial Markets Authority Act 2011

This law's official name

1: Title

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Financial Markets Authority Act 2011

When this law starts working

2: Commencement

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Financial Markets Authority Act 2011

What happens if a court says the FMA used its powers wrongly

58: Effect of final decision that exercise of powers under section 25 unlawful

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Financial Markets Authority Act 2011

Rules about paying the Financial Markets Authority for its work

67: Regulations relating to fees, charges, and costs

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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

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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

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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

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Sale and Supply of Alcohol Act 2012

How to tell if a shop is a grocery store

33: Determining whether premises are grocery store

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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

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Sale and Supply of Alcohol Act 2012

Selling alcohol at parties with a special licence

16: On-licences: caterers

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Sale and Supply of Alcohol Act 2012

Supermarkets and grocery shops can only sell certain types of alcohol with 15% or less ethanol.

58: Restriction on kinds of alcohol sold in supermarkets and grocery shops, and premises directly accessible from supermarket or grocery shop

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Sale and Supply of Alcohol Act 2012

Councils must create a plan to manage alcohol sales in their area

78: Territorial authorities must produce draft policy

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Sale and Supply of Alcohol Act 2012

You need to choose a manager if you have a licence to sell alcohol.

212: Appointment of managers: on-licences, off-licences, and club licences

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Sale and Supply of Alcohol Act 2012

Breaking alcohol laws can lead to a fine of up to $5,000 if you don't follow the rules.

259: Failure to comply with certain requirements and restrictions imposed by or under this Act

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Sale and Supply of Alcohol Act 2012

Your alcohol licence is suspended if you don't pay the yearly fee on time.

287: Automatic suspension of licence for non-payment of annual fee

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Immigration Advisers Licensing Act 2007

People who might not be allowed to become immigration advisers

16: Persons subject to restriction on being licensed

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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

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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

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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)

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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

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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

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Fair Trading Act 1986

The Commission can share certain information with overseas regulators

48M: Sharing of non-compulsorily acquired information not affected

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Sale and Supply of Alcohol Act 2012

Selling alcohol from a different place while your shop is being fixed

74: Temporary licence during repairs, etc

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Sale and Supply of Alcohol Act 2012

Rules for displaying alcohol in supermarkets and grocery stores

112: Compulsory conditions relating to display and promotion of alcohol in single area in supermarkets and grocery stores

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Sale and Supply of Alcohol Act 2012

Rules for selling alcohol in one area of a shop or venue

114: Effect of single-area conditions

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Sale and Supply of Alcohol Act 2012

What happens when you appeal a decision about alcohol licences

153: Effect of appeal against other decisions

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Sale and Supply of Alcohol Act 2012

Keep a record of who manages your alcohol-selling business, including their details, for at least 2 years.

232: Licensees to keep record of managers, acting managers, and temporary managers

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Sale and Supply of Alcohol Act 2012

Rules for buying strong drinks with less than 15% alcohol, except beer, mead, and wine

398: Regulations regulating sale of alcohol containing less than 15% ethanol (other than beer, mead, and wine)

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Sale and Supply of Alcohol Act 2012

The Minister must talk to people before making rules about selling some types of alcohol with less than 15% ethanol.

399: Consultation on regulations regulating sale of alcohol containing less than 15% ethanol (other than beer, mead, and wine)

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Local Government Act 2002

How you can see and read the special rules included in the law

259H: Access to standards incorporated by reference

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Auctioneers Act 2013

When the law about auctioneers starts working

2: Commencement

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Auctioneers Act 2013

Rules for selling things through competitive bidding

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Auctioneers Act 2013

This law explains how auctioneers are registered and what rules they need to follow

3: Purpose of Act

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Auctioneers Act 2013

What important words mean in this law about auctions

4: Interpretation

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Auctioneers Act 2013

Registered auctioneers can only hire other qualified auctioneers

7: Restriction on who registered auctioneers may engage as auctioneer

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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

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Auctioneers Act 2013

How the Registrar checks and approves your application to become an auctioneer

10: Acceptance of application

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Auctioneers Act 2013

Explaining why an application to be an auctioneer was turned down

11: Refusal of application

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Auctioneers Act 2013

How long someone can be registered as an auctioneer

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Auctioneers Act 2013

Your auctioneer licence runs out after a year unless you renew it

12: Registration expires after 12 months

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Auctioneers Act 2013

Auctioneers must confirm their details yearly to stay registered

13: Annual confirmation

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Auctioneers Act 2013

How the Registrar can cancel an auctioneer's registration

14: Cancelling registrations

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Auctioneers Act 2013

When an auctioneer is no longer allowed to sell things at auctions

15: When registered auctioneer ceases to be registered

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Auctioneers Act 2013

Telling the Registrar when important things change for auctioneers

16: Obligation to notify Registrar of changes

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Auctioneers Act 2013

Rules about keeping important documents and information

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Auctioneers Act 2013

Auctioneers must keep detailed records of sellers, items, and auction details

17: Auctioneer record

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Auctioneers Act 2013

Keeping and sharing your auction record

18: Storage and inspection of auctioneer record

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Auctioneers Act 2013

Person who keeps a list of official auctioneers

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Auctioneers Act 2013

Person in charge of managing auctioneers' registration

19: Registrar of Auctioneers

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Auctioneers Act 2013

The Registrar can give you a paper that proves if someone is an auctioneer

20: Registrar's certificate

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Auctioneers Act 2013

A list of all registered auctioneers that anyone can look up online

21: Register of auctioneers

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Auctioneers Act 2013

What to do if you disagree with the Registrar's decisions

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Auctioneers Act 2013

How to disagree with decisions about your auctioneer registration

22: Appeals

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Auctioneers Act 2013

The court can temporarily stop an auctioneer's registration from being cancelled

23: Interim order by District Court

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Auctioneers Act 2013

Things auctioneers can get in trouble for

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Auctioneers Act 2013

Rules to follow if you're an auctioneer to avoid getting in trouble

24: Offences

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Auctioneers Act 2013

Rules for people who sell things at auctions

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Auctioneers Act 2013

Rules for becoming an auctioneer

25: Regulations

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Auctioneers Act 2013

Rules that help switch from old laws to new laws

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Auctioneers Act 2013

Rules for existing auctioneers when the new law starts

26: Application of Act to existing licence holders and others

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Auctioneers Act 2013

Changes made to other laws because of this one

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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

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Auctioneers Act 2013

Making changes to other laws because of the new auctioneers law

28: Consequential repeal and amendments

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Auctioneers Act 2013

Changes to rules about people who sell things for others at special sales

Schedule : Amendments relating to auctioneers

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Fair Trading Act 1986

This law makes sure trading is fair for everyone in New Zealand

1A: Purpose

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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

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Fair Trading Act 1986

The Minister can make, change, or cancel rules to help keep products safe

30A: Product safety policy statements

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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

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Fair Trading Act 1986

When companies choose to take back unsafe products, they must tell the government quickly

31A: Voluntary product recall

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Fair Trading Act 1986

People who check if products are safe

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Fair Trading Act 1986

Rules for choosing people to check if things are safe to use

33A: Appointment of product safety officers

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Fair Trading Act 1986

Proof of job for product safety officers

33B: Certificates of appointment

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Fair Trading Act 1986

Product safety officers can check places for unsafe goods

33C: Powers of product safety officers

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Fair Trading Act 1986

Stopping the sale of possibly dangerous goods to keep people safe

33D: Suspension of supply notices

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Fair Trading Act 1986

How to ask for help if someone breaks the rules in trading

43A: Application for order under section 43

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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

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Fair Trading Act 1986

The government can agree to promises people make about following the rules

46A: Commission may accept undertakings

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Fair Trading Act 1986

How the Commerce Commission can make you keep your promises

46B: Enforcement of undertakings

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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

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Fair Trading Act 1986

What employees can do to check if shops are following the rules

47L: Powers of authorised employees

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Consumer Guarantees Act 1993

This law explains how to make buying and selling fair for everyone

1A: Purpose

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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

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Consumer Guarantees Act 1993

Rules for cancelling a service you bought with a special payment plan

39A: Services subject to collateral credit agreement

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Weights and Measures Act 1987

This law explains how weights and measures keep buying and selling fair for everyone

1A: Purpose

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Weights and Measures Act 1987

Rules for weighing and measuring goods in shops

15A: Weighing and measuring of goods sold by retail

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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

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Fair Trading Act 1986

Rules for taking legal action about money-related products and services

48P: Proceedings relating to financial products or financial services

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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

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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

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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

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Employment Relations Act 2000

Getting back money you should have been paid for your work

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Financial Markets Authority Act 2011

Promises to fix mistakes in finance can include paying people back or paying fines

46A: Undertaking may include requirements as to compensation or penalties

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Financial Markets Authority Act 2011

FMA can join and speak up in certain money-related court cases

48A: FMA may appear and be heard and adduce evidence

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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

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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

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Electricity Industry Act 2010

How to settle disagreements about who pays for electricity supply problems

95A: Indemnity disputes

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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

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Fair Trading Act 1986

Trading businesses can agree to different rules if it's fair

5D: No contracting out: exception for parties in trade

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Fair Trading Act 1986

Statements made without good reasons to back them up

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Fair Trading Act 1986

Don't make claims about things you're selling without proof

12A: Unsubstantiated representations

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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

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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

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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

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Fair Trading Act 1986

You don't have to pay for services you didn't ask for

21B: Liability of recipient of unsolicited services

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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

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Fair Trading Act 1986

Rules for unsolicited goods and services made by the Governor-General

21D: Regulations

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Fair Trading Act 1986

Businesses selling online must tell you they're a business

28B: Disclosure of trader status on Internet

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Fair Trading Act 1986

Rules for buying and selling: How to be fair when shopping or running a business

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Fair Trading Act 1986

This part explains the rules for different ways of buying things

36A: Purpose of Part

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Fair Trading Act 1986

What a layby sale is and how it works

36B: Meaning of layby sale agreement

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Fair Trading Act 1986

Rules for sellers when making a layby sale agreement

36C: Disclosure requirements relating to layby sale agreement

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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

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Fair Trading Act 1986

When you buy something in parts, the shop looks after it until you finish paying

36E: Risk in goods

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Fair Trading Act 1986

You can cancel a layby sale before taking the items home

36F: Cancellation of layby sale agreement by consumer

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Fair Trading Act 1986

When a shop can stop your layby agreement

36G: Cancellation of layby sale agreement by supplier

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Fair Trading Act 1986

What happens when you end a layby agreement

36H: Effect of cancellation of layby sale agreement

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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

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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

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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

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Fair Trading Act 1986

Rules for sellers when they make unexpected sales to you

36L: Disclosure requirements relating to uninvited direct sale agreements

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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

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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

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Fair Trading Act 1986

What happens when you cancel a door-to-door sale agreement

36O: Effect of cancellation of uninvited direct sale agreement

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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

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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

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Fair Trading Act 1986

Money rules when you cancel a surprise door-to-door sale

36R: Compensation on cancellation of uninvited direct sale agreement

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Fair Trading Act 1986

Rules about financial products and when they don't have to follow all the usual rules

36S: Regulations

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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

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Fair Trading Act 1986

Rules for sellers when offering extended warranties

36U: Disclosure requirements relating to extended warranty agreements

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Fair Trading Act 1986

How to cancel an extended warranty and get your money back

36V: Cancellation of extended warranty agreement

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Fair Trading Act 1986

Rules about extended warranties can be made by the Governor-General

36W: Regulations

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Fair Trading Act 1986

What some important words mean in this part of the law about buying and selling

36X: Definitions

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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

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Fair Trading Act 1986

How an auction starts and finishes, and what happens after

36ZA: Start and end of auction

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Fair Trading Act 1986

Rules for joining an auction must be clearly shown to everyone taking part

36ZB: Notice to participants

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Fair Trading Act 1986

Rules for buying things at auctions from businesses

36ZC: Vendors selling in trade

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Fair Trading Act 1986

Rules about sellers bidding on their own items at auctions

36ZD: Vendor bids

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Fair Trading Act 1986

You can take back your bid before an auction finishes

36ZE: Bids may be withdrawn until end of auction

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Fair Trading Act 1986

Auctioneers must give you your money and a sale report within a set time

36ZF: Account and payment of proceeds

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Fair Trading Act 1986

What are infringement offences and how much do they cost?

40B: Infringement offence, etc, defined

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Fair Trading Act 1986

The government can give you a written warning if they think you broke the rules

40D: Issue of infringement notice

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Fair Trading Act 1986

Rules for giving you a notice if you break a Fair Trading rule

40E: Procedural requirements for infringement notices

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Fair Trading Act 1986

The Commerce Commission gives money from fines to the government

40F: What Commission does with infringement fees

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Fair Trading Act 1986

An infringement notice protects you from getting a criminal record

40G: Effect of infringement notice

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Consumer Guarantees Act 1993

Goods must be delivered on time or you can ask for help

5A: Guarantee as to delivery

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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

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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

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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

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Companies Act 1993

Rules for changing or combining code companies that affect voting rights

236A: Arrangement or amalgamation involving code company

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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

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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

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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

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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

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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

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Local Government Act 2002

Rules for fair sharing of costs for new community facilities

197AB: Development contributions principles

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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

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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

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Fair Trading Act 1986

Words in a deal that aren't fair

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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

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Fair Trading Act 1986

Saying which parts of a contract are not fair

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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

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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

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Fair Trading Act 1986

Rules about contracts that are mostly written by one side

46J: Standard form contracts

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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

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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

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Fair Trading Act 1986

List of ways a contract can be unfair to one person

46M: Examples of unfair contract terms

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Social Security Act 2018

This Act explains how to get help from the government and what you need to do

5: Guide to this Act

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Social Security Act 2018

Words you don't know are explained in a special section

6: Definitions are in dictionary in Schedule 2

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Social Security Act 2018

Guides and outlines in the Act are helpful notes, not official rules

13: Status of guides or outlines

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Social Security Act 2018

Examples help explain the law but don't change what it actually says

14: Status of examples

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Social Security Act 2018

MSD can choose special shops for people on benefits to buy important things from

366: Preferred suppliers: contracts

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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

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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

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Social Security Act 2018

The Minister can tell MSD how to handle changes when new suppliers are chosen

372: Preferred suppliers: transitional or savings provisions directions

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Social Security Act 2018

Rules for special cards that show what help you can get

437: Regulations: issue and use of entitlement cards

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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

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Contract and Commercial Law Act 2017

Modernising and simplifying business and trade rules

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Contract and Commercial Law Act 2017

Getting Ready: Important Rules Before We Start

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Contract and Commercial Law Act 2017

Why we have this law and what it covers

3: Purpose

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Contract and Commercial Law Act 2017

This law explains different types of agreements and business matters in simple terms

5: Overview of this Act

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Contract and Commercial Law Act 2017

Rules for switching to the new law and keeping important old rules

6: Transitional, savings, and related provisions

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Contract and Commercial Law Act 2017

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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

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Contract and Commercial Law Act 2017

Explaining special words used in this part of the law

11: Interpretation

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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

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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

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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

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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

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Contract and Commercial Law Act 2017

Court can allow changes or cancellations to promises or duties

16: Court may authorise variation or discharge

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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

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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

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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

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Contract and Commercial Law Act 2017

This law keeps other rules about contracts and doesn't change them

20: Savings

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Contract and Commercial Law Act 2017

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Contract and Commercial Law Act 2017

This part explains how courts can help fix mistakes in contracts

21: Purpose of this subpart

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Contract and Commercial Law Act 2017

This section sets new rules for contract mistakes

22: This subpart to be code

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Contract and Commercial Law Act 2017

What words mean and how we use them in this part of the law

23: Interpretation

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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

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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

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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

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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

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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

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Contract and Commercial Law Act 2017

This law protects innocent buyers when someone else made a mistake

31: Rights of third persons not affected

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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

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Contract and Commercial Law Act 2017

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Contract and Commercial Law Act 2017

What it means to cancel a contract

33: Meaning of cancel

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Contract and Commercial Law Act 2017

A contract's own rules for fixing problems come first

34: Remedy provided in contract

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Contract and Commercial Law Act 2017

What happens if someone lies or misleads you in a contract

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Contract and Commercial Law Act 2017

When someone lies to you about a deal, you can get money back

35: Damages for misrepresentation

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Contract and Commercial Law Act 2017

Rules about ending or stopping a contract

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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

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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

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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

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Contract and Commercial Law Act 2017

Court decides if you can cancel a contract when someone else misbehaves

39: Parties with substantially same interest

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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

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Contract and Commercial Law Act 2017

Cancelling a contract: When it starts to count

41: When cancellation may take effect

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Contract and Commercial Law Act 2017

What happens when you cancel a contract

42: Effect of cancellation

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Contract and Commercial Law Act 2017

How a court can help when there's a problem with a contract

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Contract and Commercial Law Act 2017

The court can make things fair when someone ends a contract

43: Power of court to grant relief

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Contract and Commercial Law Act 2017

Things the court thinks about when making decisions about contracts

45: Matters court must have regard to

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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

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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

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Contract and Commercial Law Act 2017

Who can ask for help with contract problems

48: Persons who may apply

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Contract and Commercial Law Act 2017

When someone breaks a contract, you can ask for money to make things fair

49: Recovery of damages

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Contract and Commercial Law Act 2017

Rules that try to stop courts from looking into things

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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

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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

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Contract and Commercial Law Act 2017

Rules to protect you when buying things

52: Contracts for sale of goods

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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

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Contract and Commercial Law Act 2017

People who take over someone else's contract rights

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Contract and Commercial Law Act 2017

What happens when someone gives you their contract rights and duties

54: Remedies enforceable by or against assignee

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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

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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

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Contract and Commercial Law Act 2017

Rules to know when you take over someone else's contract

57: Other provisions relating to assignees

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Contract and Commercial Law Act 2017

Extra rules that don't fit into the main groups

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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

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Contract and Commercial Law Act 2017

This part keeps important contract rules the same as before

59: Savings

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Contract and Commercial Law Act 2017

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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

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Contract and Commercial Law Act 2017

Money that is paid or will be paid

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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

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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

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Contract and Commercial Law Act 2017

Things that are good and useful besides money

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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

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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

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Contract and Commercial Law Act 2017

Money spent on contracts

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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

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Contract and Commercial Law Act 2017

Rules about insurance agreements

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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

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Contract and Commercial Law Act 2017

More rules about how this law works

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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

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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

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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

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Contract and Commercial Law Act 2017

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Contract and Commercial Law Act 2017

Words used in this law and what they mean

70: Interpretation

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Contract and Commercial Law Act 2017

What makes a contract illegal?

71: Illegal contract defined

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Contract and Commercial Law Act 2017

Contracts stay legal even if they break rules, unless the rules say otherwise

72: Breach of enactment

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Contract and Commercial Law Act 2017

A contract that breaks the law doesn't work.

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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

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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

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Contract and Commercial Law Act 2017

The court can give help

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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

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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

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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

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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

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Contract and Commercial Law Act 2017

Who can ask the court for help with a contract

81: Persons who may apply

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Contract and Commercial Law Act 2017

Rules about agreements that limit competition in business

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Contract and Commercial Law Act 2017

Courts can change or remove unfair rules in contracts

83: Restraints of trade

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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

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Contract and Commercial Law Act 2017

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Contract and Commercial Law Act 2017

Explaining important words used in this part of the law

85: Interpretation

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Contract and Commercial Law Act 2017

Rules about when young people can make agreements

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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

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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

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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

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Contract and Commercial Law Act 2017

Courts can fix unfair contracts

89: Court orders where contract was not fair and reasonable

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Contract and Commercial Law Act 2017

What the court thinks about when dealing with young people's contracts

90: Matters court must have regard to

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Contract and Commercial Law Act 2017

Special rules for certain types of agreements and life protection plans

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Contract and Commercial Law Act 2017

Contracts for jobs and life insurance work like adult contracts for young people

92: Contracts of service and life insurance contracts have effect as if minor were of full age

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Contract and Commercial Law Act 2017

Court can help if your work or life insurance contract is unfair

93: Court may make orders about unconscionable, harsh, or oppressive contract of service or life insurance contract

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Contract and Commercial Law Act 2017

Sometimes the rules for young people's contracts don't count

94: Sections 92 and 93 do not apply in certain circumstances

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Contract and Commercial Law Act 2017

Getting money back or fixing things that went wrong

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Contract and Commercial Law Act 2017

Court can give you money or your stuff back if it's fair

95: Compensation or restitution

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Contract and Commercial Law Act 2017

Rules about asking for and getting legal decisions

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Contract and Commercial Law Act 2017

Getting permission from a special court to make an agreement

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Contract and Commercial Law Act 2017

Who can ask the court to approve a contract for someone under 18

99: Persons who may apply

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Contract and Commercial Law Act 2017

Promises to pay for someone else's debts or losses

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Contract and Commercial Law Act 2017

Legal promises to cover for children's contracts

102: Guarantees and indemnities

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Contract and Commercial Law Act 2017

Solving disagreements or settling claims involving young people

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Contract and Commercial Law Act 2017

When a court tells someone to look after money or things for a young person

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Contract and Commercial Law Act 2017

More things to know about the rules we just talked about

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Contract and Commercial Law Act 2017

Sections 103 to 109 work with other important laws without changing them

110: Sections 103 to 109 do not limit or affect certain other provisions

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Contract and Commercial Law Act 2017

The rules about contracts and who can make decisions about them

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Contract and Commercial Law Act 2017

The District Court can decide on some contract matters

113: Jurisdiction of District Court

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Contract and Commercial Law Act 2017

The Disputes Tribunal can decide on small legal cases up to $30,000

114: Jurisdiction of Disputes Tribunal

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Contract and Commercial Law Act 2017

These rules are like a special code for agreements.

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Contract and Commercial Law Act 2017

This section sets out all the rules for contracts involving kids

115: This subpart to be code

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Contract and Commercial Law Act 2017

Rules about agreements involving trusts

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Contract and Commercial Law Act 2017

Rules for buying and selling things: How to be fair when you trade with others

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Contract and Commercial Law Act 2017

Explaining important words and ideas about buying and selling things

119: Interpretation

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Contract and Commercial Law Act 2017

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Contract and Commercial Law Act 2017

An agreement to buy and sell something

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Contract and Commercial Law Act 2017

Agreeing to sell something you own for money

120: Contract of sale of goods

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Contract and Commercial Law Act 2017

Part-owners can sell their share to each other

121: Contracts of sale may be between one part-owner and another

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Contract and Commercial Law Act 2017

Sales contracts can be simple or have special conditions

122: Contracts of sale may be absolute or conditional

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Contract and Commercial Law Act 2017

Agreeing to buy or sell something now or later

123: Sale and agreement to sell

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Contract and Commercial Law Act 2017

Who can buy and sell things, and special rules for some people

124: Capacity to buy and sell

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Contract and Commercial Law Act 2017

Rules for making agreements when buying or selling things

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Contract and Commercial Law Act 2017

Different ways to make a contract to sell something

125: How contract of sale is made

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Contract and Commercial Law Act 2017

What the agreement is about

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Contract and Commercial Law Act 2017

Buying things that exist now or will exist later

126: Existing or future goods

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Contract and Commercial Law Act 2017

The deal is off if the stuff you're buying is already gone when you agree to buy it

127: Contract void if goods have perished at time when contract is made

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Contract and Commercial Law Act 2017

Agreement cancelled if item is destroyed before you receive it

128: Contract void if goods perish before sale but after agreement to sell

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Contract and Commercial Law Act 2017

How much something costs when you buy it

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Contract and Commercial Law Act 2017

How prices are decided when you buy something

129: Fixing contract price

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Contract and Commercial Law Act 2017

Rules for selling when someone else sets the price

130: Agreement to sell at valuation

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Contract and Commercial Law Act 2017

Rules about promises and guarantees when buying things

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Contract and Commercial Law Act 2017

Time limits in contracts are not always strict unless specified

131: Stipulations about time

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Contract and Commercial Law Act 2017

Rules in buying agreements: Important ones and less important ones

132: Conditions and warranties

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Contract and Commercial Law Act 2017

What happens when a seller breaks a promise in a sale

133: Breach of condition to be fulfilled by seller

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Contract and Commercial Law Act 2017

When you can't keep a promise for a good reason

134: Impossibility or other excuse

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Contract and Commercial Law Act 2017

The law says sellers must own what they sell and you can use it without problems

135: Implied condition and warranties as to title and quiet possession

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Contract and Commercial Law Act 2017

The seller must give you what they described when you buy something

136: Sale by description

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Contract and Commercial Law Act 2017

Automatic promises about a product's quality or usefulness when you buy things

137: Implied conditions or warranties as to quality or fitness

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Contract and Commercial Law Act 2017

Goods should work for what you need them for when you buy them

138: Implied condition that goods are reasonably fit for purpose

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Contract and Commercial Law Act 2017

Items sold should be good enough to sell, unless you saw problems before buying

139: Implied condition that goods are of merchantable quality

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Contract and Commercial Law Act 2017

Unwritten promises about what you buy based on common business practices

140: Implied warranty or condition by usage of trade

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Contract and Commercial Law Act 2017

Promises made when you buy something

141: Express warranty or condition

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Contract and Commercial Law Act 2017

Selling things based on a small example of the product

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Contract and Commercial Law Act 2017

Buying something based on a sample: what you need to know

142: Sale by sample

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Contract and Commercial Law Act 2017

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Contract and Commercial Law Act 2017

When someone sells something to someone else

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Contract and Commercial Law Act 2017

You don't own goods you've bought until they're clearly picked out for you

143: Goods must be ascertained

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Contract and Commercial Law Act 2017

Ownership changes when buyer and seller agree it should

144: Property passes when intended to pass

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Contract and Commercial Law Act 2017

Finding out when you own something you bought

145: Ascertaining parties’ intention

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Contract and Commercial Law Act 2017

How to know when you own something you've agreed to buy

146: Rules for ascertaining parties’ intention

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Contract and Commercial Law Act 2017

Seller can keep control of goods until buyer meets certain conditions

147: Reservation of right of disposal

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Contract and Commercial Law Act 2017

When you buy something, you become responsible for it once you own it, unless you agree otherwise

148: Risk passes with property unless otherwise agreed

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Contract and Commercial Law Act 2017

Changing who owns something after it's sold

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Contract and Commercial Law Act 2017

When someone sells something they don't own, you might not get to keep it

149: Sale by person who is not owner

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Contract and Commercial Law Act 2017

Rule about keeping things bought in markets doesn't work in New Zealand

150: Market overt

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Contract and Commercial Law Act 2017

Buying things from someone who might not be allowed to sell them

151: Sale under voidable title

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Contract and Commercial Law Act 2017

Rules for selling something you've already sold but still have

153: Seller in possession after sale

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Contract and Commercial Law Act 2017

When you buy something and sell it again before paying fully

154: Buyer in possession after sale

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Contract and Commercial Law Act 2017

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Contract and Commercial Law Act 2017

Seller and buyer must follow through on their agreement

156: Duties of seller and buyer

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Contract and Commercial Law Act 2017

Buying things: You pay and get the item at the same time

157: Payment and delivery are concurrent conditions

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Contract and Commercial Law Act 2017

How to give things you sell to the buyer

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Contract and Commercial Law Act 2017

Figuring out who's responsible for delivering what you buy

158: Determining whether buyer to take possession of goods or seller to send goods

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Contract and Commercial Law Act 2017

Where to pick up what you bought

159: Place of delivery

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Contract and Commercial Law Act 2017

Send goods quickly if no delivery date is set

160: Goods must be sent within reasonable time if no time is fixed

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Contract and Commercial Law Act 2017

When someone else has the thing you bought, you need them to agree it's yours now

161: Goods in possession of third person

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Contract and Commercial Law Act 2017

Giving or getting things should happen at a sensible time

162: Demand or tender of delivery must be at reasonable hour

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Contract and Commercial Law Act 2017

The seller pays to get your item ready for you

163: Seller must bear expenses of putting goods into deliverable state

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Contract and Commercial Law Act 2017

What happens when the seller gives you the wrong amount or mixed-up items

164: Delivery of wrong quantity or of mixed goods

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Contract and Commercial Law Act 2017

You can expect to get everything you buy all at once, not in bits and pieces

165: Buyer not bound to accept delivery by instalments

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Contract and Commercial Law Act 2017

What happens if there's a problem with goods delivered in parts?

166: Instalment deliveries: breach of contract

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Contract and Commercial Law Act 2017

Sending goods to the buyer through a shipping company

167: Delivery to carrier

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Contract and Commercial Law Act 2017

Who's responsible when things are delivered to a different place than where they were sold

168: Risk where goods are delivered at place other than place where goods are sold

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Contract and Commercial Law Act 2017

You can check what you buy before keeping it

169: Buyer’s right to examine goods

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Contract and Commercial Law Act 2017

How you show you're happy with something you bought

170: Acceptance of goods

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Contract and Commercial Law Act 2017

You don't have to send back things you don't want to keep

171: Buyer not bound to return rejected goods

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Contract and Commercial Law Act 2017

What happens if you don't pick up something you bought when it's ready

172: Liability of buyer for neglecting or refusing to take delivery of goods

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Contract and Commercial Law Act 2017

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Contract and Commercial Law Act 2017

What it means to be an unpaid seller of goods

173: Unpaid seller defined

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Contract and Commercial Law Act 2017

What you can do if someone doesn't pay you for goods you sold them

174: Unpaid seller's rights

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Contract and Commercial Law Act 2017

When someone hasn't paid for something they bought, the seller can keep it

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Contract and Commercial Law Act 2017

Seller can keep goods until paid

175: Unpaid seller's lien

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Contract and Commercial Law Act 2017

Keeping some goods until you get paid for all of them

176: Part delivery

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Contract and Commercial Law Act 2017

When a seller can no longer keep an item they haven't been paid for

177: When unpaid seller loses lien

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Contract and Commercial Law Act 2017

Preventing goods from being delivered while they're on their way

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Contract and Commercial Law Act 2017

The seller can take back unpaid goods while they're still on the way to the buyer

178: Right to stop goods in transit

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Contract and Commercial Law Act 2017

How long goods are considered 'in transit' when you send them to someone

179: Duration of transit

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Contract and Commercial Law Act 2017

When goods are sent to a ship you've rented, it's not always clear who's responsible for them

180: Goods delivered to ship chartered by buyer

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Contract and Commercial Law Act 2017

Seller can stop delivering the rest if you only got some goods

181: Part delivery

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Contract and Commercial Law Act 2017

How an unpaid seller can stop goods being delivered

182: How right is exercised

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Contract and Commercial Law Act 2017

Sellers must tell someone to stop delivering goods they've sold

183: Notice of seller’s claim

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Contract and Commercial Law Act 2017

Returning goods back to the seller during delivery

184: Redelivery of goods

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Contract and Commercial Law Act 2017

When someone who bought something sells it again, or when the original seller sells it again

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Contract and Commercial Law Act 2017

Seller's rights when a buyer sells or uses unpaid goods

185: Effect of subsale or pledge by buyer

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Contract and Commercial Law Act 2017

How goods ownership papers affect buyer and seller rights

186: Transfer of document of title to person in good faith and for valuable consideration

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Contract and Commercial Law Act 2017

Seller's rights to hold or stop goods don't usually cancel the sale

187: Sale not generally rescinded by lien or stopping goods in transit

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Contract and Commercial Law Act 2017

New buyers get to keep goods that were resold because the first buyer didn't pay

188: Buyer’s title on resale

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Contract and Commercial Law Act 2017

What happens if you don't pay for perishable goods or goods the seller wants to resell quickly

189: Resale in case of perishable goods or notice of intention to resell

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Contract and Commercial Law Act 2017

Seller can resell if buyer backs out of purchase

190: Express power of sale

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Contract and Commercial Law Act 2017

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Contract and Commercial Law Act 2017

Things a seller can do if there's a problem with selling something

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Contract and Commercial Law Act 2017

Seller can ask for payment when goods are sold

191: Claim for price

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Contract and Commercial Law Act 2017

Payment for losses when a buyer doesn't accept what you're selling

192: Damages for non-acceptance

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Contract and Commercial Law Act 2017

What a buyer can do if there's a problem with something they bought

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Contract and Commercial Law Act 2017

You can ask for money if a seller doesn't give you things you bought

193: Damages for non-delivery

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Contract and Commercial Law Act 2017

Courts can make sellers give you exactly what you bought

194: Specific performance

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Contract and Commercial Law Act 2017

What you can do if a seller breaks a promise about the goods they sold you

195: Remedy for breach of warranty

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Contract and Commercial Law Act 2017

Getting money back when things go wrong in a deal

196: Interest and special damages

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Contract and Commercial Law Act 2017

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Contract and Commercial Law Act 2017

You can change or remove automatic rules in a sale agreement

197: Exclusion of implied terms and conditions

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Contract and Commercial Law Act 2017

Consumer protection rules apply instead of certain contract rules when you buy things

198: Exclusion where Consumer Guarantees Act 1993 applies

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Contract and Commercial Law Act 2017

Figuring out fair prices and times when buying things

199: Reasonable price and reasonable time are questions of fact

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Contract and Commercial Law Act 2017

You can go to court if someone doesn't follow the rules in this law

200: Rights and duties enforceable by proceeding

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Contract and Commercial Law Act 2017

This provision keeps some old rules and other laws working alongside the new rules for buying and selling things.

201: Savings

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Contract and Commercial Law Act 2017

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Contract and Commercial Law Act 2017

This part explains why we have rules for buying and selling things with other countries

202: Purpose

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Contract and Commercial Law Act 2017

What words mean in this part about buying and selling things between countries

203: Interpretation

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Contract and Commercial Law Act 2017

The Convention's rules are now part of New Zealand law and everyone must follow them when buying or selling things

204: Convention to have force of law

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Contract and Commercial Law Act 2017

The Convention rules replace other laws when selling goods internationally

205: Convention to be code

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Contract and Commercial Law Act 2017

Understanding which countries agree to follow special rules when selling goods

206: Certificates about Contracting States

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Contract and Commercial Law Act 2017

Rules for using computers and the internet to do important things

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Contract and Commercial Law Act 2017

This part explains how to use computers and the internet for legal stuff

207: Purpose

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Contract and Commercial Law Act 2017

This part explains how electronic information works in legal matters

208: Overview

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Contract and Commercial Law Act 2017

Explaining important words used in this part of the law

209: Interpretation

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Contract and Commercial Law Act 2017

Extra guidelines for understanding this part of the law

210: Further provision relating to interpretation

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Contract and Commercial Law Act 2017

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Contract and Commercial Law Act 2017

Checking if online actions are allowed and real

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Contract and Commercial Law Act 2017

Electronic information is just as legally valid as paper information

211: Validity of information

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Contract and Commercial Law Act 2017

Rules about sending and receiving messages on computers or phones

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Contract and Commercial Law Act 2017

When the rules about electronic messages are used

212: When default rules in sections 213 to 216 apply

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Contract and Commercial Law Act 2017

When an electronic message is considered sent

213: Time of dispatch

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Contract and Commercial Law Act 2017

When a digital message counts as being received

214: Time of receipt

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Contract and Commercial Law Act 2017

Where the law thinks you sent an electronic message from

215: Place of dispatch

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Contract and Commercial Law Act 2017

Where the law thinks you got an electronic message

216: Place of receipt

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Contract and Commercial Law Act 2017

When an offer is accepted using email or text message

217: Time of communication of acceptance of offer

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Contract and Commercial Law Act 2017

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Contract and Commercial Law Act 2017

Basic rules that come before the main rules

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Contract and Commercial Law Act 2017

This law applies to most New Zealand rules, with some exceptions

218: When subpart applies

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Contract and Commercial Law Act 2017

You can use electronic methods to follow legal rules if you do it the right way

219: When legal requirement can be met by electronic means

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Contract and Commercial Law Act 2017

You can choose whether or not to use electronic information

220: Consent to use of electronic technology

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Contract and Commercial Law Act 2017

Keeping information the same: what it means and when it's okay to make small changes

221: When integrity of information maintained

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Contract and Commercial Law Act 2017

When the law says something must be in writing

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Contract and Commercial Law Act 2017

Electronic information can replace written documents if you can find it easily later

222: Legal requirement that information be in writing

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Contract and Commercial Law Act 2017

You can use a computer instead of paper to write things down when the law says you must

223: Legal requirement to record information in writing

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Contract and Commercial Law Act 2017

You can give written information electronically if you follow some simple rules

224: Legal requirement to give information in writing

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Contract and Commercial Law Act 2017

Rules for paper documents don't apply when using electronic forms

225: Legal requirements relating to layout and format of certain information and writing materials

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Contract and Commercial Law Act 2017

Rules about when you need to sign something

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Contract and Commercial Law Act 2017

Using electronic signatures instead of handwritten ones for legal documents

226: Legal requirement for signature

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Contract and Commercial Law Act 2017

Electronic signatures are usually trustworthy if they follow certain rules

228: Presumption about reliability of electronic signatures

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Contract and Commercial Law Act 2017

Keeping important information safe and stored

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Contract and Commercial Law Act 2017

Keeping paper records safe by turning them into digital files

229: Legal requirement to retain document or information that is in paper or other non-electronic form

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Contract and Commercial Law Act 2017

Rules for keeping electronic information safe and easy to find

230: Legal requirement to retain information that is in electronic form

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Contract and Commercial Law Act 2017

Keeping important details when saving electronic messages

231: Extra conditions for electronic communications

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Contract and Commercial Law Act 2017

Rules about giving, showing, and looking at information

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Contract and Commercial Law Act 2017

You can give information electronically instead of on paper if you follow certain rules

232: Legal requirement to provide or produce information that is in paper or other non-electronic form

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Contract and Commercial Law Act 2017

How to share information stored on computers or electronic devices

233: Legal requirement to provide or produce information that is in electronic form

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Contract and Commercial Law Act 2017

You can show paper information electronically if it's accurate and the person agrees

234: Legal requirement to provide access to information that is in paper or other non-electronic form

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Contract and Commercial Law Act 2017

How to share electronic information with others

235: Legal requirement to provide access to information that is in electronic form

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Contract and Commercial Law Act 2017

When the law says you need the original version of something

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Contract and Commercial Law Act 2017

Electronic copies can be used instead of original documents for comparison

236: Originals

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Contract and Commercial Law Act 2017

Other things to know about doing business online

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Contract and Commercial Law Act 2017

Rules about what you must say in a message still apply when using electronic communication

237: Legal requirement relating to content of information

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Contract and Commercial Law Act 2017

Creating electronic copies for legal reasons is okay and doesn't break copyright rules

238: Copyright

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Contract and Commercial Law Act 2017

Rules about moving and storing things: Who's in charge and what happens if something goes wrong

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Contract and Commercial Law Act 2017

A quick look at other business-related topics

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Contract and Commercial Law Act 2017

How this section applies and what it does

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Contract and Commercial Law Act 2017

Carriers have limited responsibility for lost or damaged goods

244: Other remedies affected

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Contract and Commercial Law Act 2017

You can change some rules in special shipping contracts if everyone agrees

245: Contracting out permitted for some matters

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Contract and Commercial Law Act 2017

Understanding different business issues

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Contract and Commercial Law Act 2017

What counts as one item when shipping goods

247: Meaning of unit of goods

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Contract and Commercial Law Act 2017

Different shipping agreements decide how much the carrier pays if your things get lost or damaged

248: Liability depends on kind of contract of carriage

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Contract and Commercial Law Act 2017

You can choose how to carry things, but you must follow the rules

249: Particular kind of contract of carriage is matter for agreement subject to meeting requirements for that kind

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Contract and Commercial Law Act 2017

Rules for making a contract to carry goods at the owner's risk

250: Requirements for contract for carriage at owner's risk

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Contract and Commercial Law Act 2017

Rules for making a special shipping agreement with a set value

251: Requirements for contract for carriage at declared value risk

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Contract and Commercial Law Act 2017

Rules for making a special agreement when sending things

252: Requirements for contract for carriage on declared terms

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Contract and Commercial Law Act 2017

Fair pricing for different levels of protection when sending goods

253: Difference between amounts charged must be fair and reasonable for contract at owner’s risk or declared value risk

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Contract and Commercial Law Act 2017

Agreements between different types of carriers when moving your goods

254: Contract between contracting carrier and actual carrier or between actual carriers

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Contract and Commercial Law Act 2017

Who is responsible when something goes wrong with a delivery

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Contract and Commercial Law Act 2017

Rules for different types of shipping contracts

255: Application of sections 256 to 258

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Contract and Commercial Law Act 2017

The mover you hire is responsible for your things

256: Liability of contracting carrier

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Contract and Commercial Law Act 2017

When the carrier starts looking after your stuff during shipping

257: When responsibility for goods begins

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Contract and Commercial Law Act 2017

The carrier stops being responsible for your stuff after delivering it or trying really hard to let you know it's ready

258: When responsibility for goods ends

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Contract and Commercial Law Act 2017

Rules about how much a carrier must pay if something goes wrong during shipping

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Contract and Commercial Law Act 2017

Carriers usually pay up to $2,000 if they lose or break your stuff during transport

259: Carrier’s liability limited to $2,000 for each unit of goods or to declared value

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Contract and Commercial Law Act 2017

When a carrier might not be responsible for lost or damaged goods

260: Carrier not liable in certain circumstances

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Contract and Commercial Law Act 2017

Who is responsible when things go wrong with shipping goods

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Contract and Commercial Law Act 2017

Who is responsible when goods are lost or damaged during shipping by one carrier

262: Liability where 1 actual carrier is involved

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Contract and Commercial Law Act 2017

Who is responsible for goods when multiple carriers are involved in transporting them

264: When actual carriers are jointly responsible or separately responsible for goods

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Contract and Commercial Law Act 2017

Rules about who is responsible when things go wrong during shipping

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Contract and Commercial Law Act 2017

What you can do if the moving company you hired goes bankrupt or disappears

266: Rights of contracting party where contracting carrier insolvent or cannot be found

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Contract and Commercial Law Act 2017

Money from lost or damaged goods must go to customers first when a company closes

267: Liquidator or assignee in bankruptcy holds money on trust

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Contract and Commercial Law Act 2017

Rules about what happens if your bags get lost or damaged when traveling

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Contract and Commercial Law Act 2017

Rules about how carriers look after your bags during travel

268: Special rules relating to liability of carrier in respect of baggage

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Contract and Commercial Law Act 2017

Rules for when your hand luggage gets lost or damaged during a trip

269: Other rules relating to hand baggage

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Contract and Commercial Law Act 2017

Who is responsible when goods are carried by more than one person

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Contract and Commercial Law Act 2017

Rules for when multiple airlines carry your things on one trip

270: Contracts of successive carriage by air

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Contract and Commercial Law Act 2017

Rules for who's in charge of your stuff when different delivery people handle it

271: When successive carriers are jointly responsible or separately responsible for goods

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Contract and Commercial Law Act 2017

A promise made by people who agree to do something

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Contract and Commercial Law Act 2017

Sender promises goods are safe and legal to send

273: Contracting party to warrant condition of goods and compliance with enactments

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Contract and Commercial Law Act 2017

Rules about taking legal action against people who transport things

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Contract and Commercial Law Act 2017

You must tell the carrier within 30 days if your stuff is damaged or missing

274: Notice of claim against contracting carrier must be given within 30 days

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Contract and Commercial Law Act 2017

Tell the carrier quickly if someone claims their goods were damaged or lost

275: Notice of claim against actual carrier must be given within 10 days

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Contract and Commercial Law Act 2017

No need to tell carriers about damage they should know about or if they're dishonest

276: No notice required if carrier is or ought to be aware of damage or loss or in case of fraud

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Contract and Commercial Law Act 2017

You can sue a carrier without giving notice if they agree or if the court allows it

277: Non-notified proceeding may be brought with carrier’s consent or leave of court

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Contract and Commercial Law Act 2017

You must act quickly if a carrier loses your stuff

278: Limitation on proceedings against carriers for loss of goods

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Contract and Commercial Law Act 2017

Time limit for suing carriers if your stuff is damaged or lost

279: Limitation on proceedings against carriers for damage to or partial loss of goods

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Contract and Commercial Law Act 2017

You can still sue a carrier after the time limit if they agree or if the court says it's okay

280: Proceeding may be brought after limitation period with carrier’s consent or leave of court

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Contract and Commercial Law Act 2017

You can take action if goods you now own are damaged during delivery, even if you didn't make the original agreement

281: Proceeding by consignee if not contracting party

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Contract and Commercial Law Act 2017

What carriers can do when they transport things for other people

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Contract and Commercial Law Act 2017

You can change some rules about carrying goods if both sides agree

282: Contracting out permitted on rights of carriers

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Contract and Commercial Law Act 2017

Carriers can ask for payment after delivering goods

283: Right to sue for freight

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Contract and Commercial Law Act 2017

You might have to pay for shipping goods you own, even if you didn't order them

284: Proceeding for recovery of freight

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Contract and Commercial Law Act 2017

Carrier can keep your stuff until you pay for transport

285: Carrier’s lien

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Contract and Commercial Law Act 2017

Carrier must tell owner if keeping goods for unpaid money

286: Notice of carrier’s claim

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Contract and Commercial Law Act 2017

Carrier can keep goods safe while waiting for a claim to be settled

287: Carrier may store goods

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Contract and Commercial Law Act 2017

What happens when a carrier sells your stuff if you don't pay them

288: Sale of goods by public auction

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Contract and Commercial Law Act 2017

Rules for storing and selling goods when people don't collect them

289: Storage and disposal of unclaimed or rejected goods

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Contract and Commercial Law Act 2017

When goods can go bad, you can sell or throw them away

290: Disposal of perishable goods

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Contract and Commercial Law Act 2017

What to do if goods become dangerous during transport

291: Disposal of dangerous goods

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Contract and Commercial Law Act 2017

Carrier not responsible when goods are sold or disposed of

292: Liability of carrier extinguished in respect of sale or disposal of goods

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Contract and Commercial Law Act 2017

Other important things to know about business agreements

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Contract and Commercial Law Act 2017

Taking legal action against NZ agents for overseas shipping companies

294: Proceedings against New Zealand agents of overseas carriers

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Contract and Commercial Law Act 2017

This law doesn't change rules about special goods like dangerous items

295: Certain other Acts not affected

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Contract and Commercial Law Act 2017

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Contract and Commercial Law Act 2017

This part explains important words used in rules about buying, selling, and moving things.

296: Interpretation

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Contract and Commercial Law Act 2017

When agents sell, promise, or do other things with goods

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Contract and Commercial Law Act 2017

Agent can sell or promise owner's stuff if they have permission

297: Sale, pledge, or other disposition by agent in possession with owner’s consent is valid

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Contract and Commercial Law Act 2017

Buyer should check if the seller really owns the goods

298: Buyer, etc, has notice of lack of authority if goods subject to perfected security interest

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Contract and Commercial Law Act 2017

What happens when the owner changes their mind about letting someone sell their stuff

299: Effect of withdrawal or expiry of owner’s consent

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Contract and Commercial Law Act 2017

Rules about agreeing to let someone handle your stuff

300: Provisions relating to consent

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Contract and Commercial Law Act 2017

Using goods you don't fully own to pay off a debt you already have

302: Pledge of goods as security for existing debt or liability

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Contract and Commercial Law Act 2017

Trading goods or papers: What you need to know about swapping stuff

303: Rights acquired by exchange of goods or documents

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Contract and Commercial Law Act 2017

Agreements made with a business agent's workers or helpers are the same as deals made with the agent

304: Agreements through employees or other authorised persons

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Contract and Commercial Law Act 2017

Your right to keep goods until you're paid, even if the sender isn't the owner

305: Consignee’s lien

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Contract and Commercial Law Act 2017

How giving someone a document showing they own goods affects the seller's rights

306: Effect of transfer of document of title to goods on vendor’s lien and right of stopping goods in transit

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Contract and Commercial Law Act 2017

Other important rules about business deals

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Contract and Commercial Law Act 2017

How to give a document to someone else

307: Mode of transferring documents

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Contract and Commercial Law Act 2017

Rights of true owners when others handle their goods

308: Saving of rights of true owner

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Contract and Commercial Law Act 2017

Agents who buy and sell things for others keep their usual powers

309: Common law powers of mercantile agent

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Contract and Commercial Law Act 2017

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Contract and Commercial Law Act 2017

This section explains how the rules apply to business-related things.

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Contract and Commercial Law Act 2017

Explaining words used in business deals

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Contract and Commercial Law Act 2017

Explaining what words mean in this part of the law

312: Interpretation

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Contract and Commercial Law Act 2017

What happens when stuff mentioned in a document is lost or mixed up

313: Goods that cease to exist or cannot be identified

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Contract and Commercial Law Act 2017

Documents that give you rights when sending things by ship

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Contract and Commercial Law Act 2017

What happens when your shipping document doesn't let you collect goods anymore

315: Rights where possession of bill of lading no longer gives right to possession of goods

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Contract and Commercial Law Act 2017

Your rights when receiving goods from a ship are based on what the delivery order says

316: Rights in relation to ship’s delivery order

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Contract and Commercial Law Act 2017

You can get help if your shipped items are damaged, even if you're not the one who can sue

317: Rights may be exercised for benefit of person who suffers loss or damage

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Contract and Commercial Law Act 2017

Rules about who is responsible when sending things by ship

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Contract and Commercial Law Act 2017

When you get rights to shipped goods, you might also get responsibilities

319: Person in whom rights are vested becomes subject to liabilities

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Contract and Commercial Law Act 2017

Ship's delivery order only makes you responsible for goods listed on it

320: Liabilities exclude liabilities in respect of goods to which ship’s delivery order does not relate

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Contract and Commercial Law Act 2017

Goods in transit: You can still stop delivery or ask for shipping payment

321: Right of stopping goods in transit, or claims for freight, not affected

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Contract and Commercial Law Act 2017

A shipping document proves what goods were loaded, even if they weren't

322: Bill of lading in hands of shipper, consignee, or endorsee is conclusive evidence as against master or other signer of bill

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Contract and Commercial Law Act 2017

Rules for using computers and technology with important documents

323: Regulations relating to network or other information technology

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Contract and Commercial Law Act 2017

Rules about special shipping documents that show goods have been received

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Contract and Commercial Law Act 2017

Rules for special shipping documents that say goods are ready to be sent

324: Special provisions about received for shipment bills of lading

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Contract and Commercial Law Act 2017

What words mean in laws about business and trade

325: Interpretation

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Contract and Commercial Law Act 2017

Ship owner can handle goods if you don't collect them on time

326: Shipowner may enter and land goods in default of entry and landing by owner of goods

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Contract and Commercial Law Act 2017

Ship owner must let you take your stuff if you're ready

328: Owner who is ready and offers to land or take delivery of goods

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Contract and Commercial Law Act 2017

Ship owners can keep their right to be paid for carrying goods after delivery by telling the warehouse

331: Continuation of lien for freight if shipowner gives notice

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Contract and Commercial Law Act 2017

How to get your stuff back from a wharf or warehouse when you owe money

332: Discharge of lien on production of receipt and delivery of copy of receipt or release

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Contract and Commercial Law Act 2017

How to remove a shipowner's claim on your goods by paying money to a warehouse

333: Discharge of lien on deposit with warehouse owner

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Contract and Commercial Law Act 2017

Wharf or warehouse owner can give deposit to shipowner if not told otherwise

334: Right of wharf owner or warehouse owner, if no notice is given, to pay deposit to shipowner

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Contract and Commercial Law Act 2017

What happens when you want to keep your goods at a wharf or warehouse

335: Course to be taken if notice to retain is given

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Contract and Commercial Law Act 2017

Wharf or warehouse can sell your stuff if you don't pick it up or pay

336: Wharf owner or warehouse owner may sell goods by public auction after 90 days

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Contract and Commercial Law Act 2017

Telling people about selling goods from your wharf or warehouse

337: Notices of sale to be given

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Contract and Commercial Law Act 2017

How to use money from selling stored goods

338: How money arising from sale is to be applied

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Contract and Commercial Law Act 2017

Paying for storing and caring for your stuff at a wharf or warehouse

339: Wharf owner’s or warehouse owner’s rent and expenses

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Contract and Commercial Law Act 2017

Wharf and warehouse owners don't have extra responsibilities for goods

340: Wharf owner’s or warehouse owner’s protection

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Contract and Commercial Law Act 2017

Tidying up old rules and making small changes to other laws

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Contract and Commercial Law Act 2017

Old business laws are replaced by newer ones

345: Repeal of revised Acts

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Contract and Commercial Law Act 2017

When old electronic transaction rules are cancelled

346: Revocation

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Contract and Commercial Law Act 2017

Changes to other laws are listed in Schedule 6

347: Amendments to other enactments

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Contract and Commercial Law Act 2017

How the new law works with old contracts and legal stuff

Schedule 1: Transitional, savings, and related provisions

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Contract and Commercial Law Act 2017

Small fixes to make laws clearer and work better together

Schedule 2: Minor amendments to clarify Parliament’s intent or reconcile inconsistencies

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Contract and Commercial Law Act 2017

A list that shows how old laws became part of the new law

Schedule 3: Comparative table

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Contract and Commercial Law Act 2017

Rules for buying and selling things between countries

Schedule 4: United Nations Convention on Contracts for the International Sale of Goods

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Contract and Commercial Law Act 2017

List of laws and rules not included in a part of the Contract and Commercial Law Act 2017

Schedule 5: Enactments and provisions excluded from subpart 3 of Part 4

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Contract and Commercial Law Act 2017

List of changes to other laws because of this new law

Schedule 6: Consequential amendments

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Contract and Commercial Law Act 2017

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Contract and Commercial Law Act 2017

Courts can be flexible about time limits in contracts

118: Stipulations not of essence of contracts

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Contract and Commercial Law Act 2017

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Contract and Commercial Law Act 2017

You can sell someone's item if they don't pay you for work you did on it

341: Power of sale under lien for work done

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Contract and Commercial Law Act 2017

Seller must tell you before selling your things to pay off your debt

342: Notice of sale to be given

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Contract and Commercial Law Act 2017

Ways to tell someone you're selling their stuff

343: How notice of sale is given to owner of goods

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Contract and Commercial Law Act 2017

Money from selling goods must be used to pay costs and debts first

344: How money arising from sale is to be applied

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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

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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

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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

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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

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Residential Tenancies Act 1986

Rules for landlords when they want to make the rent higher for people renting their houses

24: Rent increases

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Residential Tenancies Act 1986

Landlords must give renters a proper receipt when they pay rent

29: Receipts for rent

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Residential Tenancies Act 1986

Explains how rent is calculated daily and divided up when a tenancy ends

31: Apportionment of rent

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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

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Residential Tenancies Act 1986

The landlord pays for general costs, while the tenant pays for things they use themselves.

39: Responsibility for outgoings

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Residential Tenancies Act 1986

Rules for people who help others find places to live or stay

139: Regulations relating to accommodation brokers

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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

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Fair Trading Act 1986

Rules for fair and honest trading to protect everyone

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Fair Trading Act 1986

This explains the name of the law and when it started working

1: Short Title and commencement

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Fair Trading Act 1986

Understanding important words and phrases used in the Fair Trading Act

2: Interpretation

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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

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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

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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

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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

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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

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Fair Trading Act 1986

The rule about yearly reports was removed from the law in 2005

8: Annual report

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Fair Trading Act 1986

Rules about being fair and honest when selling things or making deals

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Fair Trading Act 1986

Tricking or fooling people is not allowed.

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Fair Trading Act 1986

Businesses must be honest and not trick people

9: Misleading and deceptive conduct generally

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Fair Trading Act 1986

You must be honest when selling things

10: Misleading conduct in relation to goods

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Fair Trading Act 1986

Businesses must be honest about their services

11: Misleading conduct in relation to services

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Fair Trading Act 1986

Be honest about jobs and don't trick people looking for work

12: Misleading conduct in relation to employment

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Fair Trading Act 1986

Lying or misleading people

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Fair Trading Act 1986

No lying or tricking when buying or selling things

13: False or misleading representations

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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

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Fair Trading Act 1986

News companies don't have to follow some rules when sharing information, except for ads

15: Limited application of sections 9 to 14 to news media

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Fair Trading Act 1986

You can't use fake trademarks when doing business

16: Certain conduct in relation to trade marks prohibited

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Fair Trading Act 1986

Things that are not fair when buying or selling

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Fair Trading Act 1986

Don't trick people with fake gifts or prizes when selling things

17: Offering gifts and prizes

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Fair Trading Act 1986

No more collecting stamps or tokens to get free stuff

18: Trading stamp schemes prohibited

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Fair Trading Act 1986

Rules about advertising things for sale at a certain price

19: Bait advertising

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Fair Trading Act 1986

You can't make someone buy things by promising rewards for finding new customers

20: Referral selling

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Fair Trading Act 1986

It's against the law to take money for things you don't plan to give

21: Demanding or accepting payment without intending to supply as ordered

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Fair Trading Act 1986

Don't lie about home businesses or money-making opportunities

22: Misleading representations about certain business activities

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Fair Trading Act 1986

No bullying or forcing people when buying or selling things

23: Harassment and coercion

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Fair Trading Act 1986

Unfair money-making schemes that trick people are not allowed

24: Pyramid selling schemes

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Fair Trading Act 1986

All rules in this part are equally important and work together

25: Provisions of this Part not limited by reference to other provisions of this Part

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Fair Trading Act 1986

Bringing goods with wrong labels into New Zealand is not allowed

26: Importation of goods bearing false trade description

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Fair Trading Act 1986

Rules for telling shoppers important stuff and making sure businesses follow these rules

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Fair Trading Act 1986

Rules about important information you should get when buying things or using services

27: Consumer information standards

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Fair Trading Act 1986

Rules for giving customers the right information when selling things

28: Compliance with consumer information standards

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Fair Trading Act 1986

Making sure things you buy are safe to use

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Fair Trading Act 1986

Rules to keep you safe when buying and using products

29: Product safety standards

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Fair Trading Act 1986

Selling safe products: Follow the rules for safety standards

30: Compliance with product safety standards

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Fair Trading Act 1986

The government can stop people from selling things that might hurt you

31: Unsafe goods

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Fair Trading Act 1986

The government can force companies to take back unsafe products

32: Compulsory product recall

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Fair Trading Act 1986

Rules to make sure the things people do for you are safe

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Fair Trading Act 1986

This section explains what 'services' means in this law, like fixing things or building houses

34: Meaning of services

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Fair Trading Act 1986

Follow safety rules when providing services

36: Compliance with services safety standards

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Fair Trading Act 1986

What happens when someone breaks the rules and how to make things right

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Fair Trading Act 1986

Which courts can deal with problems related to unfair trading

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Fair Trading Act 1986

The High Court can make important decisions about fair trading issues

37: Jurisdiction of High Court

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Fair Trading Act 1986

The Disputes Tribunal can help with some problems under this law

39: Jurisdiction of Disputes Tribunal

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Fair Trading Act 1986

What happens when someone breaks the rules and how they can make it right

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Fair Trading Act 1986

Breaking certain rules in the Fair Trading Act can lead to fines

40: Contraventions of provisions of Parts 1 to 4A an offence

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Fair Trading Act 1986

Extra punishment for making money by breaking Fair Trading rules

40A: Additional penalty for contravention of section 24 involving commercial gain

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Fair Trading Act 1986

Rules about taking legal action when someone breaks the law

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Fair Trading Act 1986

The court can stop people from breaking the Fair Trading Act rules

41: Injunctions may be granted by court for contravention of Part 1, Part 2, Part 3, and Part 4

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Fair Trading Act 1986

Court can order rule-breakers to share information or fix mistakes

42: Order to disclose information or publish advertisement

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Fair Trading Act 1986

The law explains different ways to help someone if they've been treated unfairly when buying things

43: Other orders

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Fair Trading Act 1986

Ways you can defend yourself if someone says you broke the Fair Trading Act

44: Defences

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Fair Trading Act 1986

Companies and people are responsible for what their workers do

45: Conduct by servants or agents

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Fair Trading Act 1986

Court findings from earlier cases can be used as evidence in new cases

46: Finding in proceedings to be evidence

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Fair Trading Act 1986

Extra rules about searching, sharing information, and working with other countries

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Fair Trading Act 1986

The Commission can search places to check if someone is breaking the rules

47: Power to search

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Fair Trading Act 1986

This law about special permissions is no longer used

47A: Powers conferred by warrant

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Fair Trading Act 1986

This rule about showing a warrant was removed from the law

47B: Warrant to be produced

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Fair Trading Act 1986

Rules for searching have changed and this part no longer exists

47C: Other duties of person who executes a warrant

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Fair Trading Act 1986

This section about helping others was removed from the law

47D: Duty to assist

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Fair Trading Act 1986

This part of the law about checking papers and things was removed

47E: Power to inspect documents and goods

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Fair Trading Act 1986

It's against the law to stop or slow down special workers doing their job

47F: Offence to resist, obstruct, or delay

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Fair Trading Act 1986

Commission can ask for info and you must help

47G: Commission may require person to supply information or documents or give evidence

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Fair Trading Act 1986

Rules for official notices from the Commission

47H: Notices

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Fair Trading Act 1986

How you can be sent important legal notices and when they're considered received

47I: Service of notices

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Fair Trading Act 1986

Breaking rules about giving information can get you in trouble

47J: Offence to contravene section 47G

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Fair Trading Act 1986

This rule about sharing information with money experts is no longer part of the law

48A: Sharing of information and documents with Financial Markets Authority or Takeovers Panel

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Fair Trading Act 1986

Changes and removals of other laws and rules

49: Repeals and consequential amendments

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Fair Trading Act 1986

This law works alongside other laws and doesn't replace them

50: Saving of other laws

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Fair Trading Act 1986

This schedule lists changes made to another law

Schedule 1: Enactment amended

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Fair Trading Act 1986

List of old laws that are no longer used because of the Fair Trading Act 1986

Schedule 2: Enactments repealed

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Fair Trading Act 1986

Old rules about product labels that don't apply anymore

Schedule 3: Orders and notices revoked

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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

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Privacy Act 2020

Agency's decision to give you access to your information

45: Decision to grant access to personal information

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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

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Privacy Act 2020

When and how agencies can charge for accessing or correcting your personal information

66: Charges

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Trade Marks Act 2002

Getting your goods back after they were held for possibly having fake brand names

135B: Release of goods

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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

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Privacy Act 2020

How you can get compensation if someone interferes with your privacy

103: Damages

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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

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Land Transport Act 1998

Rules about putting wheel clamps on parked cars

98D: Immobilising devices applied to parked motor vehicles

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Contract and Commercial Law Act 2017

How long a temporary change lasted (no longer applies)

218B: Period for which temporary modification applies

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Contract and Commercial Law Act 2017

Rules for certain orders have been removed from the law

218C: Requirements relating to orders made under section 218B

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Contract and Commercial Law Act 2017

This part of the law about temporary changes was removed and no longer applies

218D: Repeal of temporary modification provisions

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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

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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

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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

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Residential Tenancies Act 1986

List of fines and fees for breaking tenancy rules

Schedule 1B: Fines and fees for infringement offences

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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

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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

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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

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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

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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

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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

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Fair Trading Act 1986

What you can include when you promise to fix a problem

46AA: Matters included in undertakings

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Fair Trading Act 1986

Commission can keep some things secret during investigations

48T: Powers of Commission to prohibit disclosure of information, documents, and evidence

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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

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Contract and Commercial Law Act 2017

This part about how long changes last is no longer used

240B: Period for which temporary modification applies

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Contract and Commercial Law Act 2017

The government's special rule for giving more time no longer exists

240C: Order in Council may extend application period

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Contract and Commercial Law Act 2017

Government can decide to stop special changes to the law

240D: Order in Council may provide for modification to cease to apply

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Contract and Commercial Law Act 2017

Temporary rule changes are gone from the law

240E: Repeal of temporary modification provisions

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Customer and Product Data Act 2025

Making data more useful and accessible while promoting safety and innovation

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Customer and Product Data Bill

Explaining the bill's parts and what they mean

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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

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Customer and Product Data Bill

Documents explaining the main ideas behind the bill

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Customer and Product Data Bill

Understanding the Big Picture: The Main Ideas Behind the Rules

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Customer and Product Data Act 2025

What this law is called

1: Title

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Customer and Product Data Act 2025

When this law begins to apply to everyone

2: Commencement

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Customer and Product Data Act 2025

This law helps you and businesses use data safely to improve services and products

3: Purpose

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Customer and Product Data Act 2025

This part explains important words used in the law

5: Interpretation

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Customer and Product Data Bill

The government must follow this law too

13: Act binds the Crown

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Customer and Product Data Act 2025

Getting Started: What This Law Means and How It Works

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Customer and Product Data Act 2025

Rules for sharing and protecting your information

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Customer and Product Data Act 2025

Rules for managing information and making decisions about data sharing

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Customer and Product Data Act 2025

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Customer and Product Data Bill

Rules about getting permission to use information

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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

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Customer and Product Data Bill

Rules about who can ask for special information

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Customer and Product Data Act 2025

Explaining how to allow someone to use your information

37: Giving authorisation

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Customer and Product Data Act 2025

Keeping Your Information Safe and Under Your Control

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Customer and Product Data Act 2025

Checking who you are when you ask for information

45: Verification of identity of person who makes request

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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

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Customer and Product Data Bill

Rules about how companies handle your information and products

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Customer and Product Data Act 2025

Rules for making the Customer and Product Data Act 2025 work

131: General regulations

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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

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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

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Customer and Product Data Act 2025

Who is in charge of keeping important customer and product information

6: Data holder

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Customer and Product Data Act 2025

What the law means by customers and their information

8: Customer, customer data, and designated customer data

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Customer and Product Data Act 2025

What products are and what information about them is important

9: Product, product data, and designated product data

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Customer and Product Data Act 2025

Rules that explain how to follow the Customer and Product Data Act 2025

138: Standards

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Customer and Product Data Act 2025

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Customer and Product Data Bill

Rules about how companies handle your personal information

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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

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Customer and Product Data Bill

Rules about sharing information about products

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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

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Customer and Product Data Act 2025

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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

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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

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Customer and Product Data Act 2025

Rules and consequences for breaking the data law

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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

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Customer and Product Data Bill

Keeping important information safe and organized

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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

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Customer and Product Data Act 2025

The boss decides if someone can use customer information

112: Decision by chief executive

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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

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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

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Customer and Product Data Act 2025

Rules about what information can be shared and who can use it

107: Contents of designation regulations

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Customer and Product Data Bill

People who use information after it has been shared

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Customer and Product Data Bill

What is a regulated data service and why is it important?

10: Regulated data service

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Customer and Product Data Bill

Rules for how things should be done

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Customer and Product Data Act 2025

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Customer and Product Data Act 2025

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Customer and Product Data Act 2025

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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

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Customer and Product Data Act 2025

Rules for keeping and sharing customer and product information

32: Requirements for data holders in regulations or standards

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Customer and Product Data Bill

Rules for managing important details

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Customer and Product Data Act 2025

Rules about asking for, giving, and sharing information

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Customer and Product Data Bill

Rules about when the law doesn't apply to someone

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Customer and Product Data Bill

This part explains the basic ideas and rules of the law.

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Customer and Product Data Bill

Words and phrases are explained to help understand the law.

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Customer and Product Data Bill

This section explains what happens during changes and how things are kept safe.

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Customer and Product Data Bill

This law applies to the government too.

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Customer and Product Data Bill

Explains where this law applies

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Customer and Product Data Act 2025

Where the law applies and who it affects

11: Territorial application of Act

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Customer and Product Data Bill

How to tell someone if you're worried about your information

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Customer and Product Data Bill

Rules that help keep your personal information safe

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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

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Customer and Product Data Act 2025

How to ask for permission to handle customer info

109: How application is made

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Customer and Product Data Act 2025

How long your permission to ask for data lasts

116: Duration of accreditation

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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

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Fair Trading Act 1986

Rules for smooth changes when the Act is updated

2A: Transitional, savings, and related provisions

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Fair Trading Act 1986

Unfair behavior that goes beyond what is right or reasonable

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Fair Trading Act 1986

Businesses must always act fairly and reasonably when dealing with customers

7: Unconscionable conduct

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Fair Trading Act 1986

How courts decide if actions are unfair

8: Court may have regard to certain matters

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Fair Trading Act 1986

Rules about unfair parts in small business contracts

26B: Unfair contract terms in standard form small trade contracts

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Fair Trading Act 1986

Explaining what counts as a small business agreement

26C: Definition of small trade contract

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Fair Trading Act 1986

Rules for small business deals: who's involved, how much money, and what words mean

26D: Small trade contracts: trading relationship, annual value threshold, and other definitions

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Fair Trading Act 1986

Rules for deciding what counts as a small business deal

26E: Regulations relating to definition of small trade contract

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Fair Trading Act 1986

Rules for telling uninvited sellers to leave your home or stay away

36RA: Directions to leave premises or not enter premises

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Fair Trading Act 1986

Rules for changing old contracts and how new rules work

Schedule 1AA: Transitional, savings, and related provisions

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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

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Customer and Product Data Act 2025

How permission to use your information can stop

38: Ending authorisation

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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

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Customer and Product Data Bill

A computer system that uses electricity to work with information

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Customer and Product Data Bill

Rules about asking for data in the right way

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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

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Customer and Product Data Act 2025

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Customer and Product Data Act 2025

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Customer and Product Data Act 2025

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Customer and Product Data Act 2025

Someone with special permission to ask for information

7: Accredited requestor

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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

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Customer and Product Data Act 2025

The register helps you find out who can ask for and share customer data

122: Purposes of register

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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

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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

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Customer and Product Data Act 2025

Rules about paying for services under this law

133: Regulations relating to fees and charges

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Customer and Product Data Bill

What this part of the law is about and why it's important

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Customer and Product Data Act 2025

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Customer and Product Data Act 2025

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Customer and Product Data Act 2025

You can't make deals to avoid following this law

143: No contracting out

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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

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Customer and Product Data Act 2025

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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

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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

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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

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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

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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

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Customer and Product Data Act 2025

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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

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Customer and Product Data Act 2025

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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

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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)

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Customer and Product Data Act 2025

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Customer and Product Data Act 2025

Don't pretend you can ask for special information when you can't

61: Prohibition against holding out

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Customer and Product Data Act 2025

What information a special letter about breaking a rule must include

65: What infringement notice must contain

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Customer and Product Data Act 2025

How to pay fines if you break the rules

67: Payment of infringement fees

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Customer and Product Data Act 2025

When the court can make someone pay money for breaking rules

70: When High Court may make pecuniary penalty order

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Customer and Product Data Act 2025

Big fines for companies and people who break data rules

72: Maximum penalty (Tier 2)

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Customer and Product Data Act 2025

How the court decides your penalty amount for breaking the Customer and Product Data Act

73: Considerations for court in determining pecuniary penalty

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Customer and Product Data Bill

Saying that someone broke the rules

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Customer and Product Data Act 2025

When you break a rule, the court can officially say you did something wrong

75: Declaration of contravention

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Customer and Product Data Act 2025

Legal document that helps people affected by broken rules get money more easily

76: Purpose and effect of declaration of contravention

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Customer and Product Data Act 2025

The declaration explains what rule was broken and who broke it

77: What declaration of contravention must state

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Customer and Product Data Bill

Rules about paying people back if they were treated unfairly

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Customer and Product Data Act 2025

When a court can order someone to pay for breaking rules about customer information

78: When court or Disputes Tribunal may make compensatory orders

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Customer and Product Data Act 2025

A court can order someone to make up for breaking data rules

79: Terms of compensatory orders

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Customer and Product Data Act 2025

A judge can tell people to stop breaking rules or to follow rules about customer and product information

80: Court may grant injunctions

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Customer and Product Data Act 2025

When a court can make someone follow the rules

82: When court may grant performance injunctions

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Customer and Product Data Bill

How things should be done

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Customer and Product Data Act 2025

There's a time limit for taking someone to court if they break these rules

85: Limit on proceedings

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Customer and Product Data Act 2025

You can only get one money punishment for breaking a rule, even if you broke many rules at once

87: Only 1 pecuniary penalty order may be made for same conduct

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Customer and Product Data Act 2025

You won't be fined and put in jail for the same mistake

88: No pecuniary penalty and criminal penalty for same conduct

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Customer and Product Data Act 2025

Changes are made to explain new words about fines in a law

153: Section 2 amended (Interpretation)

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Customer and Product Data Bill

Who is in charge of making sure the rules are followed

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Customer and Product Data Act 2025

The District Court can handle certain cases about customer and product data

93: Jurisdiction of District Court

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Customer and Product Data Act 2025

Data holders and accredited requestors must pay special fees to help cover costs

135: Levies payable by data holders and accredited requestors

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Customer and Product Data Act 2025

Rules for paying different amounts and what happens if you don't pay

136: Miscellaneous provisions relating to levies

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Customer and Product Data Act 2025

Rules can limit who can ask for or allow access to certain information

25: Regulations may require requests to be made or authorisations to be given only by secondary users

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Customer and Product Data Bill

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Customer and Product Data Bill

Companies can't punish you if they break data rules

63: Prohibition against taking certain actions against customer

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Customer and Product Data Act 2025

Sometimes people can say no when you ask for your information

16: Data holder may or must refuse request for data in certain circumstances

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Customer and Product Data Act 2025

When a company can or must say no to sharing your information

20: Data holder may or must refuse to perform actions in certain circumstances

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Customer and Product Data Act 2025

Breaking rules about sharing information can get you in trouble and you might have to pay money

35: Contravention of specified disclosure requirement is infringement offence

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Customer and Product Data Act 2025

Sometimes, people can say no to sharing your data if it might cause problems

23: Data holder may refuse request for data in certain circumstances

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Customer and Product Data Bill

Breaking data rules could lead to a fine

48: Contravention of policy requirement is infringement offence

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Customer and Product Data Act 2025

Scheme rules can be changed to let customers complain about data services

50: Rules of scheme may be changed to provide for complaints about regulated data services

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Customer and Product Data Bill

This part of the law explains when the rules about handling your information apply

62: When subpart applies

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Customer and Product Data Bill

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Customer and Product Data Act 2025

Approved askers must follow special rules when getting permission

41: Accredited requestor must comply with prescribed duties in respect of authorisation

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Customer and Product Data Act 2025

You can get in trouble for asking for private information when you're not supposed to

44: Offence for contravention of request restriction

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Customer and Product Data Bill

Things that are chosen to be done

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Customer and Product Data Bill

People who share a product or service together

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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

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Customer and Product Data Act 2025

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Customer and Product Data Act 2025

The chief executive makes sure data rules are followed and helps people understand them

95: Chief executive’s functions

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Customer and Product Data Act 2025

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Customer and Product Data Bill

Rules for people who can ask for customer information

34: Requirements for accredited requestors in regulations or standards

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Customer and Product Data Act 2025

Approved information-askers must follow special rules about sharing information

33: Accredited requestors must comply with requirements for making information available

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Customer and Product Data Act 2025

Rules for sharing information to keep people's details safe

129: Conditions that may be imposed on providing information under this subpart

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Customer and Product Data Act 2025

This law changes parts of another law about privacy

149: Principal Act

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Customer and Product Data Act 2025

Boss must follow rules before making new rules

139: Chief executive must comply with requirements before making standard

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Customer and Product Data Act 2025

New data holders must tell the boss about themselves before rules start

124: Persons that will become data holders when designation comes into force must provide information to chief executive

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Customer and Product Data Act 2025

Adding a new law to an important list of laws

148: Schedule 1 amended

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Customer and Product Data Act 2025

The Disputes Tribunal can help with money problems up to $30,000

94: Jurisdiction of Disputes Tribunal

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Customer and Product Data Bill

Ways to defend yourself if you're accused of breaking this law

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Customer and Product Data Act 2025

Ways to defend yourself if you accidentally break a rule in this law

89: General defences for person in contravention

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Customer and Product Data Act 2025

You can defend yourself if a computer problem causes you to break data rules

90: Defence for contraventions due to technical fault

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Customer and Product Data Bill

Changes made to the rules about keeping people's information private

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Sale and Supply of Alcohol Act 2012

Winery cellar doors must offer snack food when selling wine samples to customers.

62A: Snack food to be available when samples sold from winery cellar doors

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Customer and Product Data Act 2025

Minister must consider customers and businesses when making new rules

132: Minister must have regard to certain matters when recommending regulations under section 131

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Customer and Product Data Act 2025

Limit on fines for doing the same wrong thing many times

74: Limit on pecuniary penalty for multiple contraventions of same or substantially similar nature

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Customer and Product Data Act 2025

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About this project

What is this project?

This project is an experiment to take difficult language, and make it easier to read and understand for everyone.

How do we do this?

What’s our process for taking the law and turning it into plain language?

Why is the law written like it is?

Laws are often hard to read. They use a lot of words and language we don’t usually use when we talk.

Should we use AI for this?

What are the good and bad sides of using AI?

Is this information the actual law?

We hope that this information will help people understand New Zealand laws. But we think that it’s important you talk to someone who understands the law well if you have questions or are worried about something.

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.