Terms and conditions

Welcome to our website. If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern The New Zealand Federation of Family Budgeting Service’s relationship with you in relation to this website. If you disagree with any part of these terms and conditions, please do not use our website.

The term ‘us’ or ‘we’ refers to the owner of the website, The New Zealand Federation of Family Budgeting Services. The term ‘you’ refers to the user or viewer of our website.

The use of this website is subject to the following terms and conditions:

  • The content of the pages of this website is for your general information and use only. It is subject to change without notice.
  • This website uses cookies to monitor browsing preferences. If you do allow cookies to be used, the following personal information may be stored by us for use by third parties: browser, operating system, location, duration of visit, referring website, service provider, language, pages viewed.
  • Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
  • Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.
  • This website contains material which is owned by or licensed to us. This material includes, but is not limited to, documents, intellectual property, design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.
  • Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.
  • From time to time, this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).
  • Your use of this website and any dispute arising out of such use of the website is subject to the laws of New Zealand.

Copyright statement

This website and its content is copyright of The New Zealand Federation of Family Budgeting Services – © The New Zealand Federation of Family Budgeting Services 2011. All rights reserved.

Any redistribution or reproduction of part or all of the contents in any form is prohibited other than the following:

  • You may print or download to a local hard disk for your personal and non-commercial use only.
  • You may copy the content to individual third parties for their personal use, but only if you acknowledge the website as the source of the material.

You may not, except with our express written permission, distribute or commercially exploit the content. Nor may you transmit it or store it in any other website or other form of electronic retrieval system.

Privacy policy

The internet offers the chance to collect information about site users. This information can be personally identifiable information or aggregated information. However your privacy is important to us at the Federation of Family Budgeting Services (Inc.) (the NZFFBS) and we want to be sure that you understand the terms and conditions relating to the way in which we collect information and the use of that information. This Privacy Policy tells you what information we collect, what we do with it and your rights to view, correct or change it.

The Office of the Privacy Commissioner provides further details of the New Zealand Privacy Act and how it protects personal information in New Zealand.

What information we collect

The NZFFBS operates the website www.familybudgeting.org.nz, and a number of subdomains. As part of the operation of this site:

  • We do not collect personally identifiable information.
  • We do collect aggregated data. This information is generated by our systems as they track traffic through our sites. This information does not identify you personally and is not linked to the personally identifiable information that you may have provided.

Who we share this information with

We will not share the information that we collect with any third parties apart from in the following circumstances:

The information may be hosted with a service provider. Our agreements with them protect the information that we collect from any use by them that we have not authorised.

The aggregated data (not the personally identifiable information) may be shared with third parties such as funders or project partners.

What about Cookies?

A cookie is a small file that resides on your computer and is recognised by our server when you visit our sites. A cookie does not provide us with any personally identifiable information. It does provide details of your IP address, the computer platform that you use (eg Mac or Windows), the browser that you use (eg Microsoft Explorer or Netscape) and what domain you are accessing our sites from. With this information we can do the following:

  • Track traffic patterns to our site.
  • Ensure that the most relevant content is being shown.
  • If you would rather we did not use cookies with you, you can refuse them by turning them off in your browser and/or deleting them from your hard drive. You will still be able to visit our sites.

What about websites we direct you to?

This Privacy Policy only relates to our sites. Our sites may contain links to other sites. You should check their privacy policies before providing personally identifiable information to them or any other third party.

Can we change this policy?

In order to reflect the fact that our business is growing constantly, we reserve the right to change this policy at any time.

What about copyright?

No part of the NZFFBS website, including images, photos, logos and the overall appearance of the site can be copied, reproduced or republished without prior written permission of the copyright holders. Budgeting tools such as the Budget Worksheet, Debt Schedule, and Cashflow Forecast, are provided for your personal use only.

Can I link to your site?

Yes.

Can you link to my site?

All link requests should be made to ipo@familybudgeting.org.nz, which will be carefully considered and evaluated.