Disclosure Statement for NZSki Ltd 2021 Instalment 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.
This is the person or business providing you the credit:
P O Box 359
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
Initial unpaid balance:
This is the amount you will owe when you request to pay 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.
If the initial payment 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.
Products available on the instalment plan:
- 2021 Super Earlybird 3 Peak Season Pass, Adult: $699
- 2021 Super Earlybird 3 Peak Season Pass, Child (6-17 years): $279
- 2021 Super Earlybird 3 Peak Season Pass, Senior (65+ years): $279
- 2021 Super Earlybird 3 Peak Season Pass, Student: $389
- 2021 Super Earlybird Mt Hutt Season Pass, Adult: $449
- 2021 Super Earlybird Mt Hutt Season Pass, Child (8-17 years): $209
- 2021 Super Earlybird Mt Hutt Season Pass, Senior (65+ years): $279
- 2021 Super Earlybird Mt Hutt Season Pass, Student: $319
- 2021 Earlybird 3 Peak Season Pass, Adult: $899
- 2021 Earlybird 3 Peak Season Pass, Child (6-17 years): $349
- 2021 Earlybird 3 Peak Season Pass, Senior (65+ years): $349
- 2021 Earlybird 3 Peak Season Pass, Student: $549
- 2021 Earlybird Mt Hutt Season Pass, Student: $349
- 2021 Earlybird Mt Hutt Season Pass, Senior (65+ years): $319
- 2021 Earlybird Mt Hutt Season Pass, Child (6-17 years): $279
- 2021 Earlybird Mt Hutt Season Pass, Adult: $499
- 2021 Mt Hutt Intro to Snow Adult $449
- 2021 Mt Hutt Intro to Snow Child $449
- 2021 3 Peak Intro to Snow Adult $699
- 2021 3 Peak Intro to Snow Child $699
This is the total amount of all advances made or to be made to you.
100% of product(s) chosen Less: initial payment
You are required to make each payment of the amount specified and by the time specified. Payment plans are not interchangeable.
By selecting to make payment on the NZSki Ltd 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.
Super Earlybird Instalment Plan if purchased before 01/11/2020:
- Payment 1 $50 at time of purchase
- Payment 2 on 25/01/2021 20% of purchase price less initial payment
- Payment 3 on 22/02/2021 20% of purchase price less initial payment
- Payment 4 on 23/03/2021 20% of purchase price less initial payment
- Payment 5 on 27/04/2021 20% of purchase price less initial payment
- Payment 6 on 24/05/2021 20% of purchase price less initial payment
Instalment Plan if purchased after 31/10/2020:
- Payment 1 at time of purchase is 17% of the purchase price plus any instalments that have fallen due at that time
- Payment 2 on 25/01/2021 – 16.6% of purchase price
- Payment 3 on 22/02/2021 – 16.6% of purchase price
- Payment 4 on 23/03/2021 – 16.6% of purchase price
- Payment 5 on 27/04/2021 – 16.6% of purchase price
- Payment 6 on 24/05/2021 – 16.6% of purchase price
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:
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.
Customers can update their credit card details online, but should they wish to do so over the phone (0800 697 547 NZ / 1800 365 696 AU) it must be at least 5 business days before the next instalment date.
NZSki will not be responsible for failure by the customer to make payment on the due date for any reason.
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
- the full price of the passes applicable at the time that payment is finally made or
- 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 a 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 the 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.
Cancellation and Refunds:
3 Peak Season Pass Customer Guarantee
Only 3 Peak Season Pass products purchased during the Super Earlybird or Earlybird campaign periods of 25 September 2020 to 30 April 2021 come with a Customer Guarantee.
The Customer Guarantee means you have until 12 am (midnight) on 1 June 2021 to decide if you would like to use your 3 Peak Season Pass for the 2021 ski season. If you do not wish to use your 3 Peak Season Pass you must request a refund by emailing your request to email@example.com before 12 am (midnight) on 1 June 2021.
Each customer that requests a refund and paid in full for their 3 Peak Season Pass at the time of purchase will be refunded the full 3 Peak Season Pass purchase price and any add on products purchased (including First Tracks, Season Pass Rental, and/or Pass Protection).
Each customer that requests a refund and purchased their 3 Peak Season Pass by instalment will be refunded the amount of the 3 Peak Season Pass purchase price and any add on products purchased (including First Tracks, Season Pass Rental, and/or Pass Protection) minus a $50 non-refundable deposit.
From 2 June 2021 3 Peak Season Passes are non-refundable under any circumstances unless the Injury/Medical cover option (Pass Protection) has been purchased. The circumstances in which Pass Protection applies, and the amounts refundable, are set out elsewhere in NZSki’s Terms and Conditions. Please make sure you have read the Terms and Conditions in full.
Pass Protection Cover:
Pass protection is your injury/medical cover and provides for a full or partial refund of the season pass where an injury, medical condition, or travel ban imposed by regulatory bodies, precludes or significantly limits the ability to use the pass throughout the entire season.
Refund applications must be made in writing by completing the NZSki refund form, available from any of our guest services team. Claims will need to be supported with evidence including but not limited to a doctor's certificate or evidence of travel restrictions. NZSki reserves the right to obtain independent advice to validate any claim. The value of refunds will be calculated based on the use of the pass and in conjunction with the expiry dates or validity period for that product.
- There will be no refunds after six weeks from the pass holder's first day of pass use.
- There will be no refunds after 31st August for the winter season for which that pass was purchased for, 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 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.
The value of refunds will be calculated based on the use of the pass according to the table below.
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
The non-refundable Season Pass policy is subject to any rights of cancellation under the CCCFA.
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.
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.