{"id":1165,"date":"2023-09-11T09:47:25","date_gmt":"2023-09-11T09:47:25","guid":{"rendered":"https:\/\/www.worldfirst.com\/nz\/?page_id=1165"},"modified":"2025-02-14T01:57:34","modified_gmt":"2025-02-14T01:57:34","slug":"legal","status":"publish","type":"page","link":"https:\/\/www.worldfirst.com\/nz\/legal\/","title":{"rendered":"Legal Policies"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1165\" class=\"elementor elementor-1165\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6f5d015 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6f5d015\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-eb71d71\" data-id=\"eb71d71\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f43dce elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"1f43dce\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 15-07-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h4 class=\"elementor-heading-title elementor-size-default\">Related content<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-651f447 elementor-widget elementor-widget-text-editor\" data-id=\"651f447\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 15-07-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>&#8211; <a href=\"https:\/\/www.worldfirst.com\/nz\/compliance\/\">Compliance<\/a><br \/>&#8211; <a href=\"https:\/\/www.worldfirst.com\/nz\/complaints\/\">Complaints<\/a><br \/>&#8211; <a href=\"https:\/\/www.worldfirst.com\/nz\/privacy-policy\/\">Privacy policy<\/a><br \/>&#8211; <a href=\"https:\/\/www.worldfirst.com\/nz\/cookie-policy\/\">Cookie policy<\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-8325878 disclaimer-content\" data-id=\"8325878\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b25c328 elementor-widget elementor-widget-heading\" data-id=\"b25c328\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Legal Disclaimer<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1711a0d elementor-widget elementor-widget-text-editor\" data-id=\"1711a0d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>World First Pty Ltd in New Zealand is a branch of the Australian company and is incorporated as an overseas ASIC Company (CN: 5837089, NZBN: 9429042041061).\u00a0<\/p><p>The NZ branch is also a financial service provider (FSP) on the FSP Register (FSP1000732) established under the Financial Service Providers (Registration and Dispute Resolution) Act 2008, is an AML\/CTF reporting entity regulated by the Department of Internal Affairs (DIA) for remittance, and a member of Financial Services Complaints Limited (membership number 8696).<\/p><p>Using any of the products contained on this website involves certain risks. Please ensure that you fully understand these risks before transacting with us. If you are in any doubt as to the nature of these risks, please speak with your financial adviser. The website has been prepared without taking into account your objectives, financial situation or needs. Before acting on the information contained in this website, you should consider whether it is appropriate for you, in light of your objectives, financial situation or needs. You should also obtain and consider the\u00a0<a href=\"https:\/\/www.worldfirst.com\/nz\/wft241015-product-disclosure-statement_041\/\" target=\"_blank\" rel=\"noopener\">Product Disclosure Statement<\/a>,\u00a0<a href=\"https:\/\/www.worldfirst.com\/nz\/wft241015-financial-services-guide_03941\/\" target=\"_blank\" rel=\"noopener\">Financial Services Guide<\/a>\u00a0and\u00a0<a href=\"https:\/\/www.worldfirst.com\/nz\/wft241015-target-market-determination\/\" target=\"_blank\" rel=\"noopener\">Target Market Determination<\/a>\u00a0before making a decision in relation to the product.<\/p><p>Telephone calls are recorded for training and quality assurance purposes.<\/p><p>The World First Group* makes no representations, warranties, or assurances as to the accuracy or completeness of any information derived from third party sources.<\/p><p>All facts quoted about &#8216;WorldFirst&#8217; on the website are in relation to group statistics and not individual subsidiaries, unless otherwise stated.<\/p><p>The information and material provided on this site may not be reproduced or distributed, in whole or in part, without the prior written consent of WorldFirst.<\/p><h4>Currency Converter Exchange Rates<\/h4><p>Margins are indicative and determined by transfer volumes.<\/p><p>The exchange rate you receive from us, or the margin charged, is determined by a range of factors including size of payment, currency pairs being traded and your annual transfer volume. The more you transact, the better your exchange rate will be.<\/p><p>Learn more about our\u00a0<a href=\"https:\/\/www.worldfirst.com\/nz\/pricing\/\">pricing structure online<\/a>\u00a0or\u00a0<a href=\"https:\/\/www.worldfirst.com\/nz\/help-support\/\">speak to our account managers<\/a>.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b3deb0d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b3deb0d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-7d26a7c\" data-id=\"7d26a7c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-1ca6e1d\" data-id=\"1ca6e1d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9ef0951 elementor-widget elementor-widget-heading\" data-id=\"9ef0951\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Website terms of use<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ea6b61 elementor-widget elementor-widget-text-editor\" data-id=\"8ea6b61\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>These Website Terms of Use (together with any documents referred to in them) describe the terms under which you may make use of our website www.worldfirst.com (the &#8220;Website&#8221;), whether as a guest or a registered user. Please read these Website Terms of Use carefully before you start to use the Website. By using our Website, you indicate that you accept these Website Terms of Use and that you agree to abide by them. If you do not agree to these Website Terms of Use, please refrain from using our Website.<\/p><p>All of our services are subject to separate terms and conditions governing their use. In the event of conflict between the terms and conditions of any applicable agreement and these Website Terms of Use, the applicable agreement will take precedence.<\/p><h4>About us<\/h4><p>World First Pty Ltd is located at Level 17, 55 Clarence Street, Sydney 2000, NSW, Australia.<\/p><p>You can contact us by visiting our office, emailing us at\u00a0<a href=\"mailto:australia@worldfirst.com\">australia@worldfirst.com<\/a> or calling us on +61 2 8298 4999.<\/p><p>World First Pty Ltd (&#8220;WorldFirst&#8221;) has been incorporated under the Corporations Act 2001 as a proprietary limited company since 23 July 2008 (Australian Business Number 42 132 368 971). You can visit the Australian Securities and Investments (&#8220;ASIC&#8221;) website to access further information concerning WorldFirst.<\/p><p>WorldFirst is regulated by the Australian Transaction Reports and Analysis Centre (&#8220;AUSTRAC&#8221;) as a reporting entity that provides designated services in relation to foreign exchange contracts, remittance arrangements and derivatives, and is registered on the Remittance Sector Register. This can be verified by searching the Remittance Sector Register\u00a0<a href=\"https:\/\/online.austrac.gov.au\/ao\/public\/rsregister.seam\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/p><p>Through this we follow a strict code which incorporates all the requirements of the Anti-Money Laundering and Counter-Terrorist Financing Act 2006 and other legislation. We maintain strict security, documentation and audit processes.<\/p><p>WorldFirst is authorised and regulated by ASIC to issue foreign exchange contracts, non-cash payment products and derivatives, and to provide general advice in relation to these products, to retail and wholesale clients. WorldFirst is also authorised to make a market in foreign exchange contracts and derivatives. WorldFirst&#8217;s Australian Financial Services Licence (&#8220;AFSL&#8221;) number is 331945. This can be verified by accessing the ASIC Register\u00a0<a href=\"http:\/\/www.asic.gov.au\/\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/p><p>WorldFirst in New Zealand is a branch of the Australian company and is incorporated as an overseas ASIC Company (CN: 5837089, NZBN: 9429042041061). The NZ branch is a financial service provider (FSP) on the FSP Register (FSP1000732) established under the Financial Service Providers (Registration and Dispute Resolution) Act 2008 and a member of Financial Services Complaints Limited (membership number 8696). This can be verified by searching the NZ FSP Register\u00a0<a href=\"https:\/\/fsp-register.companiesoffice.govt.nz\/\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/p><p>WorldFirst NZ is also an AML\/CTF reporting entity regulated by the Department of Internal Affairs (DIA) for remittance. This can be verified by searching the DIA\u2019s Reporting entity register\u00a0<a href=\"https:\/\/aml.dia.govt.nz\/AMLReportingEntities\/\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/p><h4>Access to our website<\/h4><p>Access to our Website is permitted on a temporary basis, and we reserve the right to withdraw or amend our Website without notice. We will not be liable if for any reason our Website is unavailable at any time or for any period.<\/p><p>From time to time, we may restrict access to some parts of our Website, or our entire Website, to persons who have registered with us.<\/p><p>If you choose, or you are provided with, a login, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any login or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these Website Terms of Use.<\/p><p>You are responsible for making all arrangements necessary to have access to our Website. You are also responsible for ensuring that all persons who access our Website through your Internet connection are aware of these Website Terms of Use, and that they comply with them.<\/p><h4>Our liability<\/h4><p>The following clauses exclude or limit our legal liability for the Website. You should read them carefully. They all apply only as far as the Law permits, and in particular we do not exclude or restrict our duties and liabilities to you under the Corporations Act 2001 or the Australian Securities and Investments Act 2001.<\/p><p>Whilst we have taken reasonable steps to ensure the accuracy, currency, availability, correctness and completeness of the information contained on the Website, information is provided on an &#8220;as available&#8221; basis and we do not give or make any warranty or representation of any kind, whether express or implied. The use of the Website is at your sole risk. We shall not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of or reliance on the information contained on the Website to the maximum extent permitted by Law.<\/p><p>We do not represent or warrant that the Website will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.<\/p><p>We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Website.<\/p><p>To the fullest extent permitted by Law we, our representatives, agents and related entities hereby exclude all conditions, warranties and other terms which otherwise might be implied by statute, common law, or equity.<\/p><p>In addition, we will not be liable for any direct, indirect or consequential loss or damage incurred by you in connection with the Website or in connection with the use, inability to use, or results of the use of the Website and any materials posted on it, including, without limitation any liability for:<\/p><div class=\"text-left\"><ul><li>loss of income or revenue;<\/li><li>loss of business;<\/li><li>loss of profits or contracts;<\/li><li>loss of anticipated savings;<\/li><li>loss of data;<\/li><li>loss of goodwill;<\/li><li>wasted management or office time;<\/li><li>and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.<\/li><\/ul><\/div><p>Nothing in this clause &#8220;Our Liability&#8221; affects our liability for death or personal injury arising from our negligence, our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, no any other liability which cannot be excluded or limited by Law.<\/p><h4>Information about you and your visits to our website<\/h4><p>We collect, hold, disclose and use personal information about you in accordance with our Privacy Policy, which can be viewed\u00a0<a href=\"https:\/\/www.worldfirst.com\/nz\/privacy-policy\/\">here<\/a>.By using our Website, you consent to us dealing with your personal information in accordance with our Privacy Policy and you warrant that all data provided by you is accurate.<\/p><h4>Transactions concluded through our website<\/h4><p>Contracts for the transmission of money or currency exchange formed through our Website or WorldFirst Online or as a result of visits made by you are governed by our general terms and conditions.<\/p><h4>Viruses, hacking and other offences<\/h4><p>You must not misuse our Website by knowingly introducing viruses, trojans, worms, bots, logic bombs or other malicious software. You must not attempt to gain unauthorised access to our Website, the server on which our Website is stored or any server, computer or database connected to our Website. You must not attack our Website via a denial-of-service attack or a distributed denial-of service attack.<\/p><p>By breaching this provision, you may be committing a criminal offence under the Commonwealth Criminal Code Act 1995 and equivalent state-based legislation. We may report any such breach to relevant law enforcement authorities and may co-operate with those authorities by disclosing your personal information to them. In the event of such a breach, your right to use our Website will cease immediately.<\/p><p>You should not use public Internet connections (wireless or wired) to access your account via WorldFirst Online. It is your responsibility to ensure you have up-to-date and effective anti-virus and anti-malware software on your phone, tablet, computer, server, network infrastructure or any other device through which you transact with us. If you believe any device through which you transact with us has been infected by a virus, trojan, worm, logic bomb, bot or any other malicious software, you must notify us immediately by calling us on +61 2 8298 4999.<\/p><p>We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other malicious software that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Website or to your downloading of any material posted on it, or on any website linked to it.<\/p><p>We shall not be liable for any loss or damage suffered by you as a result of using public network connections, failing to have up-to-date and effective anti-virus and anti-malware software or failing to notify us that your device has been infected by any type of malicious software.<\/p><h4>Linking to our website<\/h4><p>You may link to our home page, provided you do so in a way that is fair and legal and does not damage or take advantage of our reputation, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement by us where none exists.<\/p><p>You must not establish a link on any website that is not owned by you, for example in online forums, chats or message boards.<\/p><p>If you wish to make any use of material on our Website other than that set out above, please address your request to\u00a0<a href=\"mailto:australia@worldfirst.com\">australia@worldfirst.com<\/a>.<\/p><h4>Links from our website<\/h4><p>Where our Website contains links to other websites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those websites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.<\/p><h4>Jurisdiction<\/h4><p>This Agreement and any contractual or non-contractual disputes in relation to it will be governed by and construed in accordance with Australian Law and the parties agree to irrevocably submit to the exclusive jurisdiction of the Australian courts.<\/p><h4>Trade marks<\/h4><p>The WorldFirst logo is a registered trade mark of World First UK (Australian trademark registration number 1402032).<\/p><p>Copyright in the pages, screens, information and material in their arrangement included in this Website is owned by or licensed to us unless otherwise noted. You may imprint, copy, download or temporarily store extracts from our Website for your personal information or when you use our products and services. You must not alter any material from our Website. Any other use is prohibited unless you first get our written permission. In particular no one may use a part of our Website on any other website or link any other website to our Website other than accordance with this clause &#8220;Trade marks&#8221; and clause &#8220;Links to our website&#8221;, without our prior written permission.<\/p><h4>Variation<\/h4><p>We may revise these Website Terms of Use at any time by amending this page on our Website. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these Website Terms of Use may also be superseded by provisions or notices published elsewhere on our Website.<\/p><h4>Your concerns<\/h4><p>If you have any concerns about material which appears on our Website please contact\u00a0<a href=\"mailto:australia@worldfirst.com\">australia@worldfirst.com<\/a>.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf12927 elementor-widget elementor-widget-text-editor\" data-id=\"cf12927\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div><p><b>Download our WorldFirst General Terms and Conditions:<\/b><\/p><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51e1068 elementor-widget elementor-widget-button\" data-id=\"51e1068\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/prd4-cdn.worldfirst.com\/sites\/17\/2024\/03\/Current-WorldFirst-ANZ-World-Account-Terms-and-Conditions.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Related content &#8211; Compliance&#8211; Complaints&#8211; Privacy policy&#8211; Cookie policy Legal Disclaimer World First Pty Ltd in New Zealand is a branch of the Australian company and is incorporated as an overseas ASIC Company (CN: 5837089, NZBN: 9429042041061).\u00a0 The NZ branch is also a financial service provider (FSP) on the FSP Register (FSP1000732) established under the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.2 (Yoast SEO v24.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Our Legal Policies | WorldFirst NZ<\/title>\n<meta name=\"description\" content=\"Disclaimer policy from WorldFirst, providers of foreign currency exchange and money transfers.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.worldfirst.com\/nz\/legal\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Legal Policies\" \/>\n<meta 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