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These terms and conditions form a legal contract between you and Death Without Debt.

 

By using DeathWithoutDebt.org or signing up for a membership with Death Without Debt, you agree to accept these terms and conditions. Please read them carefully.

If you do not agree to these terms and conditions, you are not permitted to use DeathWithoutDebt.org or sign up for or use a membership.

You should read these terms and conditions in conjunction with our privacy policy .

General terms

 

Your rights of use

 

You have permission to access and use DeathWithoutDebt.org provided you comply with these terms and conditions. If you commit a more than a minor breach of these terms and conditions, we reserve the right to cancel your membership or and revoke your access to DeathWithoutDebt.org. If we cancel your membership, we may, upon request, provide you with a pro-rata refund of the remaining paid-up period.

Access to DeathWithoutDebt.org 

Your access to DeathWithoutDebt.org is for your personal use only. You must not share this access with any other person or organisation. Please send all requests for business memberships to

admin@DeathWithoutDebt.org 

 

 

No interruption

You agree not to interrupt or attempt to interrupt the operation of DeathWithoutDebt.org in any way.

No commercial use policy

You may not use our reports, information or ratings in advertising or for any other commercial purposes without our prior written consent.

Copyright

Death Without Debtowns the copyright for all content on DeathWithoutDebt.org, unless stated otherwise.

Reproducing material

All DeathWithoutDebt.org users are allowed to view and copy free materials from DeathWithoutDebt.org for their own personal use. Members and are also allowed to view and copy member-only material for their own personal use.

Any other reproduction (including by electronic means) of DeathWithoutDebt.org or any of our other publications, in whole or in part, is forbidden without our prior written consent. Please send requests to admin@DeathWithoutDebt.org.

Errors and updates

We reserve the right to add or remove material, and correct errors. If you find any errors on any part of DeathWithoutDebt.org, please report them to admin@DeathWithoutDebt.org.

Links to other sites

Links within DeathWithoutDebt.org are provided for your information. We do not endorse and have not verified any of the information available through any third party link on DeathWithoutDebt.org. We accept no liability for any loss caused as a result of any information or opinion contained in any third party link or your access to third party links on DeathWithoutDebt.org.

Linking to DeathWithoutDebt.org

If you wish to link to our website, please email us at admin@DeathWithoutDebt.org.

No liability for damage

We will use our best efforts to keep DeathWithoutDebt.org free from viruses and errors. However, to the maximum extent permitted by law, we do not accept liability for any damage or loss caused to your computer hardware, software, internet connections or other peripherals as a result of your use of DeathWithoutDebt.org.

Privacy and security

When you become a member of DeathWithoutDebt.org, you will need to provide us with some personal information to set up a Death Without Debtaccount (see the sections on your personal information below). All personal information we collect about you is stored securely.

We do not store credit card details. Credit card details provided online are captured directly by a Payment Card Industry Data Security Standard compliant payment provider.

For more information about how we use and store your personal information, please read our privacy policy.

Complaints

If you have any complaints about the DeathWithoutDebt.org service, please contact us at admin@DeathWithoutDebt.org.

Changes to terms and conditions

We may change these terms and conditions at any time. Each time you use DeathWithoutDebt.org you are agreeing to the terms and conditions applicable at that time. We provide a link to these terms and conditions at the bottom of every page of DeathWithoutDebt.org. If we make substantial changes to these terms and conditions we will notify you of these changes 30 days in advance of such changes taking effect, in writing or by email to the address we currently hold for you.

Jurisdiction

The laws of New Zealand apply to these terms and conditions. Any dispute arising in relation to these terms and conditions will be resolved in accordance with New Zealand law.

Consumer Guarantees Act

Nothing in these terms and conditions limits your rights under the Consumer Guarantees Act 1993.

Contacting us

Please address any questions to customer services at  admin@DeathWithoutDebt.org.

Personal membership

Personal membership gives you access to New Zealand’s only independent test and research results and the option to receive our magazine.

Your personal information

You agree to provide us with accurate and complete personal information necessary to activate your personal membership. This includes:

  • Your name;

  • Your email address;

  • Residential or postal address;

To read more about how we use and store your personal information, please read our privacy policy.

Your obligations

You agree not to sell, assign or transfer your rights as a DeathWithoutDebt.org member.

You agree that you are responsible for any other charges (including internet connection charges) you incur in order to access DeathWithoutDebt.org.

Your username and password

You will need a username and password to gain access to DeathWithoutDebt.org. Your email address will be your username and you will select a password during registration.

When your membership begins

We will confirm your membership by email when your membership has been processed and your first payment has been received.

Security and unauthorised use

You must keep your username and password confidential. You are responsible for ensuring there is no unauthorised use of DeathWithoutDebt.org under your username and password.

You agree to notify us promptly if you:

  • Suspect unauthorised use of your DeathWithoutDebt.org account; or

  • Know or suspect loss or disclosure of your username or password.

Updating your personal information

If any of your personal information changes, you agree to notify us promptly, either by logging into DeathWithoutDebt.org and updating your details in your account profile or by contacting us at admin@DeathWithoutDebt.org.

Contacting you

We may contact you to:

  • Clarify details about your membership;

  • Advise you of changes to our terms and conditions or services;

  • Respond to any enquiries you make; or

  • Provide any information necessary for the operation and security of our site.

Email communications

All new members will be automatically signed up to receive email marketing communications. You can remove yourself from any email marketing communications by following the "unsubscribe" prompt at the bottom of each email.

Cancelling your membership

You may cancel your membership at any time. To do this go to the Membership section in your account profile on DeathWithoutDebt.org and follow the cancellation instructions,  email  admin@DeathWithoutDebt.org.

You agree we may contact you after you have cancelled your membership to notify you about new Death Without Debt services we think may be of interest to you. You can remove yourself from email marketing communications by following the "unsubscribe" prompt at the bottom of each email.

Security and unauthorised use

You must keep your username and password confidential. You are responsible for ensuring there is no unauthorised use of DeathWithoutDebt.org under your username and password.

You agree to notify us promptly if you:

  • Suspect unauthorised use of your DeathWithoutDebt.org account; or

  • Know or suspect loss or disclosure of your username or password.

Contacting you

We may contact you to:

  • Clarify details about your ;

  • Respond to any enquiries you make; or

  • Provide any information necessary for the operation and security of our site.

Email communications

All new will be automatically signed up to receive email marketing communications. You can remove yourself from any email marketing communications by following the "unsubscribe" prompt at the bottom of each email.

Community contributions

We may provide facilities to allow website users to comment on the content of research reports or to review products or provide other interactive communication facilities (such facilities collectively referred to as "community contributions").

We cannot review all communications made on or through DeathWithoutDebt.org. However, Death Without Debtreserves the right, but has no obligation, to monitor community contributions and to edit, modify or delete any materials which we consider, in our sole discretion, violates these terms and conditions, our community guidelines policy, or to be in any other way offensive or contrary to any Death Without Debtpolicy.

Technical support

Use of JavaScript

Like many modern websites, DeathWithoutDebt.org requires JavaScript to be turned on for the site to function correctly.

Death Without Debt uses JavaScript to do the following:

  • Hide parts of a page within tabs;

  • Launch specialty content in 'lightbox'-style pop-ups; and

  • Instantly update the search results when you change one of the filters.

How to turn on JavaScript

If you do not have JavaScript turned on, you will see a message on the screen advising you to turn it on.

To turn on JavaScript:

  • Check which browser you are using (e.g., Internet Explorer, Firefox, Safari or Chrome); and

  • Search your browser help for instructions, or go to enable-javascript.com for a visual guide to enabling JavaScript in the most commonly used browsers.

DeathWithoutDebt.org is designed for modern versions of internet browsers running on current operating systems.

This includes Internet Explorer, Chrome, Firefox and Safari on Apple devices. If you are using Windows XP or Windows Vista, we recommend upgrading your operating system. Both these systems are no longer being supported by Microsoft, which means your system is much more vulnerable to malicious software. If you are unable to upgrade, we recommend ensuring your anti-virus program and Chrome browser are up to date.

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