Disclaimer

1. General disclaimer

The information provided on buynowpaylater.nz is for general informational purposes only. While we make every effort to keep the information accurate and up to date, we make no representations or warranties of any kind — express or implied — about the completeness, accuracy, reliability, suitability or availability of the website or the information contained on it.

Any reliance you place on such information is strictly at your own risk.

2. Accuracy of information

Merchant listings, BNPL service details, fees, spending limits and repayment terms on this website are compiled from publicly available sources and are updated on a best-efforts basis. However:

• Merchants may change their accepted payment methods at any time without notice
• BNPL providers may change their fees, limits and terms at any time
• Some merchants listed may no longer accept certain BNPL services
• New merchants may accept BNPL services that are not yet listed

We strongly recommend verifying directly with the merchant or BNPL provider before making any purchasing decision. If you notice inaccurate information, please let us know and we will update it promptly.

3. Not financial advice

Buy now pay later is a form of credit. Before using any BNPL service you should:

• Read and understand the full terms and conditions of the specific service
• Consider whether the repayments are affordable within your budget
• Be aware of the fees and consequences of missing payments
• Seek independent financial advice if you are unsure

If you are experiencing financial hardship, contact the MoneyTalks helpline (free financial advice for New Zealanders) on 0800 345 123.

4. Affiliate relationships

Our editorial content — including merchant listings, service comparisons and guides — is not influenced by these commercial relationships. We list merchants based on their relevance to NZ shoppers, not on whether an affiliate arrangement exists.

Affiliate commissions help us maintain and improve this free resource.

5. External links

This website contains links to external websites operated by third parties, including merchant websites and BNPL provider websites. These links are provided for your convenience only.

We have no control over the content of external websites and accept no responsibility for them or for any loss or damage that may arise from your use of them. The inclusion of a link does not imply endorsement of the linked website or its operator.

6. Limitation of liability

To the fullest extent permitted by New Zealand law, buynowpaylater.nz excludes all liability for any loss or damage of any kind arising out of or in connection with your use of this website or its content, including but not limited to:

• Direct, indirect or consequential loss
• Loss of data, income or profit
• Loss arising from reliance on information on this website
• Loss arising from transactions with merchants listed on this website

Nothing in this disclaimer excludes or limits liability that cannot be excluded or limited under applicable New Zealand law, including the Consumer Guarantees Act 1993 and the Fair Trading Act 1986.

7. Contact us