Terms of Use

The details to put your mind at rest
or as we call them Terms of Use

These terms and conditions (T&Cs) apply to all users of this site, the Mobile App and its associated services. By using the site and/or the Mobile App you will be deemed to agree to these T&Cs. If you do not agree to be bound by these T&Cs, please do not use or continue to use the site and/or Mobile App.  Flexigroup owns and has rights to all copyright and intellectual property in the website, the Mobile App and in the service. Mobile App means the mobile app applicable to your card and the related card account.

User ID and password

Access to some services or content may require registration. This will result in you being allocated a user ID and password that must be used whenever requested. That user ID and password are personal to you and you agree at all times to maintain the confidentiality of your user ID and password and not to disclose them to any other party. You agree that you are solely responsible for any use of the site by any person using your user ID and password. You agree to indemnify FlexiGroup (New Zealand) Limited (and any Related Company as defined in Section 2 of the Companies Act 1993) (FlexiGroup) against any and all claims arising out of your failure to maintain the confidentiality and security of your user ID or password.


You understand that FlexiGroup may for security and technical reasons at any time in its sole discretion and without prior notice to you, prohibit or restrict your access to the site. FlexiGroup will endeavour to provide you with uninterrupted access to the service subject to any necessary downtime required for system maintenance or repairs or as a result of an event outside of its reasonable control.

No advice

You agree that FlexiGroup provides no advice or endorsement of any kind, nor do they offer any opinion with regard to the value or suitability of any particular transaction or course of action. The availability of information through the site does not constitute a recommendation by FlexiGroup to enter into any transaction or follow any course of action. Any decision that you make must be based solely on your own evaluation of your circumstances and objectives. FlexiGroup recommends that you independently verify the accuracy, currency or reliability of any information made available via the site and upon which you intend to rely.

Mobile app

  • Downloading of the Mobile App is subject to your cardholder terms and conditions. The Mobile App will only operate on Android 4.1 and above and iOS8 and above. An Internet connection is required to use the Mobile App. Normal data charges apply. FlexiGroup uses specialised software on the Mobile App to help understand how the app is performing. No personal information is used during this process. The type of information obtained is statistical such as the number of page views made, number of page clicks, unique visitors, number of downloads, time spent on the app and types of devices used to access the Mobile App. FlexiGroup will use this information to help deliver you a better service.


  • To the extent permitted by law, FlexiGroup are not
    liable to you in any way and do not accept responsibility for any loss, damage,
    cost or expense whether direct or indirect, consequential or economic which
    arises in connection with any one or more of the following: (a) any damage or
    loss to your mobile device from using or trying to use the Mobile App; (b) your
    inability to access or use the Mobile App at any time; or (c) (if you have
    enabled biometric authentication functionality on your mobile device) any
    access or use of the Mobile App by anyone using biometric identification data
    that is saved on your mobile device, including where someone else’s fingerprint
    or voice identification phrase is saved on your mobile device.