Disclosure Statement for 3 Peak Season Pass Instalment Option Plan.

 

IMPORTANT - The creditor is required to provide you with this disclosure statement under section 17 of the Credit Contracts and Consumer Finance Act 2003. This document sets out the key information about your consumer credit contract. You should read it thoroughly.

If you do not understand anything in this document, you should seek independent advice.

You should keep this disclosure statement and a copy of your consumer credit contract in a safe place.
This disclosure statement must be provided to you within 5 working days of the day on which the contract is made.
The law gives you a limited right to cancel the consumer credit contract. See the statement of right to cancel below and your consumer credit contract for full details of your right to cancel.

Note that strict time limits apply.

NZSki Ltd
P O Box 359
Queenstown

This is the person providing you the credit.

You may send notices to the creditor by: sending an email to the address specified or writing to the creditor at the creditor's postal address.

Name: NZSki Ltd

Physical address: Level 2, The Station Building, Cnr Shotover & Camp Streets, Queenstown

Postal address: P O Box 359 Queenstown

Email: info@nzski.com

 

CREDIT DETAILS:

Initial unpaid balance
This is the amount you will owe when you request to pay for fees for your selected product from NZSki Ltd using the Instalment Option Plan. The initial unpaid balance is the figure reflecting the total amount payable as disclosed during the transaction process.

It includes any fees charged to you by the creditor. As the customer (or debtor) who has selected to use the Instalment Plan.  If the deposit is not paid you are NOT eligible for the Instalment Option Plan. The Initial Unpaid balance is also referred to as the Instalment Balance due.

At any stage of the payment plan the customer has the ability to pay the total outstanding balance due (including full prepayment), and NZSki has the right to charge reasonable administration costs associated with a full prepayment.

Description of Initial unpaid balance and product rate. Possible to purchase in a single transaction, on a 6 instalment option or a 2 instalment option. 

  • 2020 Super Earlybird 3 Peak Season Pass, Adult: $699
  • 2020 Super Earlybird 3 Peak Season Pass, Child (6-17 years): $279
  • 2020 Super Earlybird 3 Peak Season Pass, Senior (65+ years): $279
  • 2020 Super Earlybird 3 Peak Season Pass, Student: $389

 

TOTAL ADVANCES: 

This is the total amount of all advances made or to be made to you. 

100% of product(s) chosen
Less: Non-refundable deposit to be paid at time of purchase

 

PAYMENTS REQUIRED:

You are required to make each payment of the amount specified and by the time specified.

Timing of payments for Super Earlybird (available 1st - 31st October 2019) if purchased with the 6 instalments.

  • Payment 1 at time of purchase of amount $50
  • Payment 2 on 27/01/2020 20% of instalment balance due
  • Payment 3 on 24/02/2020 20% of instalment balance due
  • Payment 4 on 30/03/2020 20% of instalment balance due
  • Payment 5 on 27/04/2020 20% of instalment balance due
  • Payment 6 on 25/05/2020 20% of instalment balance due

 

Timing of payments for Super Earlybird (available 1st - 31st October 2019) if purchased with a $50 instalment.

  • Payment 1 at time of purchase of amount $50
  • Payment 2 on or before 27/01/2020 with the remainder of balance due.

Interest free period:
Interest is not charged on this contract. Please see "what could happen if you fail to meet your commitments" below.

 

CREDIT FEES AND CHARGES:

No additional credit fee is payable under this contract:  

Your credit contract may allow the creditor to vary this/these fee(s) and charge(s). Please see "what could happen if you fail to meet your commitments" below.

 

WHAT COULD HAPPEN IF YOU FAIL TO MEET YOUR COMMITMENTS:

If any instalment is not made, e.g. due to the credit card payment being declined or reversed, NZSki Ltd reserves the right to charge a default administration fee at the time of the final instalment payment of $35 per unsuccessful card transaction.

Statement of right to cancel:

The Credit Contracts and Consumer Finance Act 2003 gives you a right for a short time after the terms of this contract have been disclosed to you to cancel the contract.

How to cancel
If you want to cancel this contract you must give written notice to the creditor, NZSki Ltd.

Time limits for cancellation
If the disclosure documents are handed to you directly you must give notice that you intend to cancel within 3 working days after you receive the documents.

If the disclosure documents are sent to you by electronic means (for example, email) you must give notice that you intend to cancel within 5 working days after the electronic communication is sent.

If the documents are mailed to you, you must give notice within 7 working days after they were posted.

Saturdays, Sundays, and national public holidays are not counted as working days.

What you may have to pay if you cancel
If you cancel the contract the creditor can charge you -
(a) the full price of the passes applicable at the time that payment is finally made or
(b) cancel the pass and hold any amounts paid as a cancellation fee.

This statement only contains a summary of your rights and obligations in connection with the right to cancel and refers to cancellation of the pass and the recovery of reasonable expense by NZSki. If there is anything about your rights or obligations under the Credit Contracts and Consumer Finance Act 2003 that you do not understand, if there is a dispute about your rights, or if you think that the creditor is being unreasonable in any way, you should seek legal advice immediately.

The Credit Contracts and Consumer Finance Act 2003 gives you, as the debtor, a right to apply to the creditor (NZSki Ltd) for changes in the terms of your obligations to them in the event of unforeseen hardship.

CHANGES ON GROUND OF UNFORESEEN HARDSHIP:
Unforeseen hardship is where a debtor is unable reasonably, because of illness, injury, loss of employment, the end of a relationship, or other reasonable cause, to meet their obligations under their contract with the creditor. The debtor must reasonably expect to be able to meet their obligations if the terms of the contract are changed.


A request for change in terms must be given in writing to the creditor specifying the reasonable cause that the payment cannot be made and outlining the requested change. The change might be extending the length of the contract and reducing amount of each payment or postponing a payment (s) for a specified period. The requested change must be fair and reasonable to both the debtor and the creditor in all circumstances.

 

RIGHT TO CANCEL:

2020 Terms & Conditions for Season Pass Instalment Payment Option

By selecting to make payment by the 6 Instalment option, the customer hereby agrees to NZSki Limited automatically charging the customer's credit card as supplied, with the % amount of the product purchased as specified below on the payment dates sacrificed below.

  • Payment 1 at time of purchase of amount $50
  • Payment 2 on 27/01/2020 20% of instalment balance due 
  • Payment 3 on 24/02/2020 20% of instalment balance due
  • Payment 4 on 30/03/2020 20% of instalment balance due
  • Payment 5 on 27/04/2020 20% of instalment balance due
  • Payment 6 on 25/05/2020 20% of instalment balance due

By selecting to make payment by the $50 Instalment option option, the customer hereby agrees to NZSki Limited automatically charging the customer's credit card as supplied, with the $50 balance at the time of purchase then with the remaining balance on 27/01/2020.

  • Payment 1 at time of purchase of amount $50
  • Payment 2 on or before 27/01/2020 with the remainder of balance due.

Default of payment

If any instalment payment is not made, e.g. due to the credit card payment being declined or reversed, NZSki reserves the right to charge a default administration fee of $35 per card transaction

Please see “cancellations and refunds” below for more details

Any changes to credit card details must be advised to NZSki by email (info@nzski.com) or by telephone (0800 697 547 NZ / 1800 365 696 AU) at least five working days prior to the instalment due date. This includes notification of new card expiry dates.

NZSki will not be responsible for failure by the customer to make payment on the due date for any reason.

Cancellation and Refunds

Season Passes are non-refundable from the date of the first payment under any circumstances unless the Pass Protection cover option has been purchased. The non-refundable Season Pass policy is subject to any rights of cancellation under the CCCFA. 

Pass Protection Cover

The Pass Protection cover provides for full or partial refund of the Season Pass where an injury or medical condition precludes or significantly limits ability to use the pass throughout the entire season.

All applications for refund must be made by completing the NZSki 2020 Season Pass Refund Form available from the Guest Service desk. The form MUST be supported with a doctor's certificate or other evidence acceptable to NZSki. NZSki reserves the right to obtain independent medical advice to validate any claim.

The value of refunds will be calculated based on the use of the pass according to the table below and in conjunction with the following expiry dates. There will be no refunds after 6 weeks from the pass holder's first day of pass use. There will be no refunds after 31 August 2020 irrespective of pass use.

Refunds extend to the value of the pass type purchased only and do not cover any ancillary or other associated costs. The Pass Protection cover add-on is regarded as an ancillary cost.

Refunds will be made to the credit card used to purchase the pass and the pass will be cancelled.

0 days (pass not used) 100%
1 day - 87.5% refund
2 days - 75% refund
3 days - 62.5% refund
4 days - 50% refund
5 days - 37.5% refund
6 days - 25% refund
7 days - 12.5% refund
8+ days - no refund

 

Issue and collection of season passes

Season Passes will not be issued or available for collection until full payment of all instalments have been received.

 

Disclosure

The customer consents to NZSki making disclosures required by the Credit Contracts and Consumer Finance Act 2003 in an electronic form, by means of email.