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These terms and conditions for the Financial Services Providers Register (FSPR) set out what's required when you use our online services. They help ensure that the information you provide us is kept secure, and that the information we must make available to the public is accurate and as up to date as possible.
The FSPR is administered by the Companies Office, which is part of the Ministry of Business, Innovation and Employment (MBIE). You’re being asked to agree to these terms and conditions for the use of our online services, so read them carefully and ensure you understand them. If you choose to accept them and continue on to create an online services account, these terms and conditions will form an agreement between you and MBIE.
If you agree to our terms and conditions, we’ll use all reasonable care and skill to:
MBIE doesn’t accept any responsibility or liability for:
You agree that you will:
If you’re an administrator of an organisation's online services account, you also agree to:
If you grant delegated authority to allow another user to access our services on your behalf, you agree to:
If you accept delegated authority to make use of our services on behalf of another user, you agree to:
The purpose of your commitment to us is to protect the integrity and security of:
If you don’t honour your commitment, third parties may be able to take actions that appear to be on your behalf. These actions may result in a breach of security or privacy and you may be held responsible for this.
Access to our services is governed by your RealMe® login, which provides us with security over access to our sites and identifies who you are.
You are responsible for keeping your RealMe username and password confidential. Any actions on our sites from your RealMe username and password will be considered by us to have been made by you.
RealMe lets you access our registers and connects you to your user account with MBIE.
Your user account provides us with associated information, including:
If you’re an administrator for an organisation, you can set up additional accounts for other users attached to that organisation to use our services. Any users you create will need to obtain their own RealMe login before they can activate their user account with us.
You’re responsible for the payment of fees and levies for the services we provide you under your online services account, no matter who uses it. If there's a charge for the service you're using, you'll be advised of the amount due at the end of the transaction and taken to our payment gateway.
Refer to our fee schedule for online services to find out what you need to pay for.
We offer a direct debit payment option that allows customers to make use of our services, charge them to an account, receive an invoice at the end of each month and pay by direct debit on the 20th of the following month. This option can be adopted by an organisation or by an individual user to pay fees.
If you select the direct debit payment option, we email you a Direct Debit Authority Form to complete and return to us.
We may perform a credit check on your organisation (or you, if you’re applying for the direct debit payment option for your own user account) through a credit reference agency.
We reserve the right to decline any direct debit payment option request, based on the results of any credit reference check or based on past history of fees payment with the Ministry.
At the beginning of each month, you’ll be emailed an invoice detailing all fee-bearing services used during the previous month. The invoices and other notices will be sent to the email address you've given us. We, and anyone to whom we've assigned the amounts you owe us, can assume any invoice or notice sent electronically has been delivered on sending, unless we receive a 'Failed to Deliver' message.
If you don’t receive an invoice by email, a copy of your invoice will be available online. You will also have access to your transactions through our online fees search facility or you can download a data file containing the list of transactions.
Call the contact number or email the address displayed on your invoice if you think there is a mistake with your invoice. Any incorrect fees will be credited to your account. If the query has been received and processed prior to the 20th of the month, this will reduce the amount to be direct debited. Queries received or processed after the 20th will be credited to your next month’s invoice.
If the direct debit payment is not successful against your bank account, we follow up with you to find out why.
We’ll contact you to determine what went wrong and work with you to resolve the problem, ready for the direct debit run the following month.
Your account will be restricted to the credit card payment option only. We’ll contact you to arrange payment of the due amount.
In the first instance, we'll contact you to understand why the fees and levies have not been paid, and ask you to make the payment.
If fees and levies are still not paid, we’ll look to revoke the service that we’ve provided to you. For example, we'll take steps to deregister your FSP. If revoking the service isn’t possible, then we may refer the matter to a debt collection agency. You may be required to pay any costs that are incurred in recovering the money you owe us.
We may vary the steps in this process, depending on your individual circumstances.
We offer the option to pay by internet banking, which allows you to make use of our services and authorise a direct credit payment from your bank account. This option is only available to individuals who agree to the Payment Express Terms and Conditions prior to authorising the payment. These are as follows:
In the event of non-payment, or non-compliance of our payment terms, you will be responsible for all legal costs. We will look to revoke the service that we have provided to you. If revoking the service is not possible, then we may refer the matter to a debt collection agency.
If you knowingly access or use, or attempt to access or use (or allow an unauthorised person to access or use), any of our services for an unlawful purpose (including but not limited to fraud or attempted fraud or hacking or attempted hacking), you'll be liable to pay any party (or MBIE on its behalf) the amount of the loss suffered by them caused directly or indirectly by your unlawful actions. For the avoidance of doubt, this clause isn't intended to confer benefits enforceable by third parties under the Contract and Commercial Law Act 2017.
For the protection of users, other people, or MBIE itself, we may suspend or disable your online services account without notice if we consider that:
The privacy statement for our services applies to your personal information collected by the Ministry.
By registering for an online services account and agreeing to these terms and conditions, you'll be regarded as having read and agreed to the terms of that privacy statement. Make sure you've read and are comfortable with the privacy statement before agreeing to these terms and conditions.
We won't disclose your email address to third parties, but we may use it to update you with information about our services.
If you have a dispute with MBIE in connection with these terms and conditions or any of our services, call our Business Service Centre. Both you and our Business Service Centre will use all reasonable efforts in good faith to resolve the dispute. If you and our Business Service Centre can't resolve the dispute to your satisfaction, you may ask the Business Service Centre to escalate the dispute to the appropriate MBIE representative.
MBIE will then promptly contact you to try to resolve the dispute with you. If, following this, the dispute is still not resolved to your satisfaction, you may take such action as you consider appropriate, such as making a complaint to the Ombudsman or commencing legal proceedings.
If any of these terms and conditions, or their application to any person or circumstances is, to any extent, held to be invalid or unenforceable:
We can revise these terms and conditions and the privacy statement from time to time. We will advise you of any changes by a notice on this website. Your continued use of our services, through the act of making use of your online services account with us, indicates your acceptance of those changes.
If you have any questions about our terms and conditions, contact our Business Service Centre.