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We will, subject to the extent permitted by law, notify you as soon as practicable if it cannot process or act on your instruction. You declare and undertake to us that all International Payments processed by us in accordance with any instruction submitted by you using an Electronic Banking Service, will not breach any law, sanction or requirement of any competent authority and you will not make or allow to be made any International Payment for any illegal or fraudulent purpose. You acknowledge that it is your responsibility and not our responsibility to review or check the identity, correctness or accuracy of the details or amounts contained in your International Payment instructions. We may require confirmation from you before acting on your instructions. We will not be liable for any loss or damage arising from a delay while obtaining confirmation from you. How and when we will process your International Payments You may submit your request for an International Payment using an Electronic Banking Service at any time. We aim to process your International Payment instruction on the same Business Day, provided the instruction has been received prior to the relevant cut-off time. We will not process your International Payment instruction on a non-Business Day. International Payments should be available for payment to the payees account within two International Business Days of the Process Date. You acknowledge and agree the payment of an International Payment into a payees account is the responsibility of the Correspondent and outside our control. We will not be liable for any loss or damage if an International Payment is delayed and we have acted in good faith on your instructions. Where an International Payment is not available for payment to the payee within two International Business Days of the Process Date, you may request us to generate, on your behalf, an enquiry into the delay. Where the delay is not caused by us, you indemnify us for all or any costs or expenses incurred by us as a result of generating, carrying out and completing such enquiry. Where you request an International Payment in a currency other than the currency of your selected payment account, we will convert those funds into the payment currency at the exchange rate quoted and agreed with us at the time when your request for an International Payment is submitted using an Electronic Banking Service. You acknowledge, agree and hereby authorise us to debit your selected account the amount of the International Payment on the Request Date (even if a non-Business Day). You acknowledge and agree a Correspondent may at any time convert an International Payment to its own preferred currency before effecting the payment. In the event that an International Payment cannot be applied by a Correspondent, the Correspondent will either request additional information or return the International Payment to us, less any fees. Where additional information is requested, we will attempt to contact you to obtain the required information. An International Payment may be returned by a Correspondent for varying reasons including where the Correspondent does not maintain the account name in English characters. You may contact us to request that an International Payment be recalled or cancelled. We will use all reasonable endeavours to recall or cancel an International Payment but will not be responsible if it has already been received by us for processing or there is not enough time to act on your request.
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5. General information about these terms and conditions, and the services we provide you
We can charge you fees relating to International Payments See our Service Charges brochure or anz.co.nz for the fees and charges that apply to International Payments. A Correspondent may also charge commissions, fees or charges in making an International Payment to a payees account. We have no control over such commissions, fees or charges. Where more than one Correspondent is used to make a payment in another country they may each separately charge commissions, fees or charges in respect of the same International Payment. You acknowledge and agree such commissions, fees and or charges may be: for the account of the beneficiary: all fees and charges (our fees and any Correspondent fees and charges) are paid by the payee and deducted from the funds paid to the payees account by you, so that the payee will receive less than the value amount specified in your instruction; or for my / our account: all fees and charges are paid by you to us in accordance with the fee structure determined by us from time to time in addition to and separate from the funds paid to the payee; or shared: our fees (and local charges) are paid by you in addition to and separate from the funds paid to the payee and any Correspondent fees and charges applicable to the currency of your International Payment will be paid by the payee and deducted by the Correspondent from the funds paid to the payees account by you, so that the payee will receive less than the value amount specified in your instruction. You acknowledge and agree where we provide you with the option to elect how commissions, fees and charges are to be paid, we may not be able to implement such election on all occasions. We may receive a commission from a Correspondent for the Banks role in processing an International Payment instruction. We can suspend or cancel the services we provide We may at any time suspend or cancel your ability to request International Payments using an Electronic Banking Service without giving you notice. We can changes these terms and conditions We can change or upgrade any International Payment service. We can also change these terms and conditions or our fees at any time. We will let you know what is happening at least 14 days before we make any changes in any one of the following ways: writing to you, sending you an email or a fax or calling you by telephone posting messages in the Electronic Banking Services putting up information in our branches or on our website advertising the changes, for example in newspapers, or on radio or television.
To the extent permitted by law, all terms, conditions, warranties, undertakings, inducements or representations whether express, implied, statutory or otherwise are excluded. Hypertext Links which we provide within Internet Banking to other internet resources are not investigated or monitored by us. Accordingly, the content, timeliness, opinions and Hypertext Links found on internet resources to which we provide Hypertext Links are also not investigated or monitored by us. Your responsibilities To the extent permitted by law, you agree to indemnify and hold us harmless for any loss or damage suffered by us or our customers or a third party, and for any claim or action which may be brought against us by a customer or third party arising in connection with any International Payments using an Electronic Banking Service. Your Personal Information Our privacy statement is in the General Terms and Conditions. You agree that the statement applies to any information you give us when requesting an International Payment. You can ask for a copy of the General Terms and Conditions at any of our branches or view it at anz.co.nz. What to do if there is a problem Tell us immediately if either of the following apply: you think there is an error in respect of any International Payment you have any questions or complaints. You will need to give us the following information: your name your account number any details you can about the suspected mistake, or the nature of your question, including the amount of money involved. We may ask for more information from you to help us in our enquiries. We will make every effort to answer your questions or resolve your complaints quickly and fairly. Where we find that an error occurred, we will promptly correct the error (to the extent possible) and reimburse any interest or fees we may have charged you as a result of the error. We will correct any errors that have been made on your statement. Please call our Customer Service Team on 0800 751 750 or talk to a staff member at any branch if you dont think your enquiry has been properly dealt with. When terms in these terms and conditions may be invalid If a New Zealand Court decides that any of the terms in these terms and conditions are unlawful, we will remove the term(s) in question and the remaining terms will be enforceable. We reserve our right to exercise our rights Even if we do not immediately exercise a right we have under these conditions of use, we can still exercise that right in future. No waiver will be effective unless it is in writing. A waiver of a breach will not waive any other breach. New Zealand Law applies to these terms and conditions These terms and conditions and the contract between you and us in connection with any International Payments are governed by New Zealand law and the New Zealand courts have jurisdiction. The Consumer Guarantees Act 1993 will apply if you are a consumer Unless youre using the Electronic Banking Services for the purpose of a business, the guarantees given to consumers under the Consumer Guarantees Act 1993 will apply. Our Helpdesk is available for you For assistance or general inquiries please visit a branch or call us on 0800 269 296 or +64 4 470 3142 (if you are overseas. You will need to cover the cost of the call). ANZ Bank New Zealand Limited
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