Emerge Terms and conditions

Last updated 21 October 2025

These terms apply to your access and use of our website:

  1. Who’s involved in providing the website?

Emerge Group Limited (company number 8060798) is the operator of the website.  

  1. When do these terms apply?

You agree to the latest version of these terms whenever you access or use the website. 

Our privacy policy applies to any information you submit via our website (available at https://www.emerge.nz/legal/privacy-policy).

  1. How are these terms updated?

We may update these terms at any time. 

If we update these terms, we’ll upload  the latest version to our website.

  1. How can you contact us?

You can contact us through the website.

You can also email us at hi@emerge.nz or contact us by post at 9/110 Symonds Street, Auckland 1010, New Zealand.

  1. Information on our website
  • We’re not a registered bank or licensed non-bank deposit taker.  
  • Information on our website is for general information only and is not financial advice. 
  • This website and our services are only offered to NZ residents.  
  • The information on our website is not an offer to enter into any transaction or relationship with you.  
  • We are not responsible for any information on any other site accessed via our website.  Links to other sites are provided for convenience only and do not represent any endorsement by us of the services offered by the site owner.
  1. Using our Website
  • You must access the website via standard web browsers. . Other methods include scraping, deep-linking, harvesting, data mining, use of a robot or spider, automation, or any similar data gathering, extraction or monitoring method, unless we have expressly consented to you doing so.
  • Any ideas, suggestions or comments you make on our website will be treated as non-confidential and non-proprietary to you.  We can use those ideas, suggestions or comments in any way without prior notice or compensation to you. 
  • Access to our online services is restricted to authorised users only.  Unauthorised users may be subject to prosecution.
  1. What are our responsibilities?

We’re responsible for using reasonable care and skill in providing the website. We’re not responsible for any losses or expenses arising out of your use of our website.

  1. Intellectual Property

We own or license all the intellectual property involved in our services (including the content on the website and our logo). 

“Mastercard” and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated and Mastercard remains at all times the exclusive owner and/or licensor of the Mastercard intellectual property.

You must not use, copy or download our intellectual property or any third party’s intellectual property, except to the minimum extent needed to access and use the website or as otherwise permitted by us. 

You must not link the website on any other website, unless we have expressly consented to you doing so.

  1. How are these terms enforced?

If at any time a provision of these terms is or becomes illegal, invalid or unenforceable in any respect, that won’t affect or impair the legality, validity or enforceability of any other provision of these terms.

Any failure or delay by us to enforce a term of these terms doesn’t mean a waiver of them.

  1. What law applies to these terms?

These terms governed by the laws of New Zealand.