Know your rights
On this Page:
It's important for you to remain up-to-date and well-informed of your rights.
The more you know, and the more information you have access to, the greater the chance that your legal decisions will be sound ones. This page contains information to help you make the best decisions possible.
Your rights and responsibilities
When you deal with us, it is important to know what you can expect from us and what we expect from you. If you're not happy about a decision we have made there are ways you can let us know.
Appointing someone as your representative or agent
You can appoint someone to act on your behalf when dealing with us.
You may want to do this for a number of reasons: health issues, you're overseas, or you have difficulty communicating.
You can choose anyone to be your representative, for example:
- A lawyer
- A trusted family member
- A member of an organisation you have had dealings with.
To avoid delays, we recommend you appoint a representative who lives in New Zealand.
Enduring Power of Attorney (EPA)
There may be a time when you can no longer make decisions about your own affairs.
If this happens, having an Enduring Power of Attorney means that only those you trust can make decisions about your life.
Home equity release
If you're considering a home equity release, the voluntary home equity release Code of Standards provides you with some information and assistance.
Extra help with decision making
There are other organisations that can help you with your legal and monetary decisions: