Terms & Conditions

How to Apply for a Vickers Home Account

Applying for a Vickers Home Account is quick and easy!

Apply Online
Visit www.vickershome.co.nz and click the “Apply for Account” button to start your application.

Apply by Phone
If you’d prefer to apply over the phone, call our Freephone 0800 5 0800 5 during business hours and our friendly team will guide you through the process.

What You’ll Need

To complete your application, you must:

• Be 18 years or older
• Provide proof of identity (e.g. driver’s licence, passport, or Community Services Card)
• Provide details about your income and expenses so we can complete a suitability and affordability assessment

What Happens Next

Once you’ve submitted your application, our team will:

1. Contact you by phone to confirm the details you’ve provided.
2. Review your application and assess your eligibility.
3. If approved, we’ll finalise your account setup and send you a confirmation txt and Email.
4. If your application isn’t successful, we’ll contact you to explain why.

Important Information

Vickers Home reserves the right, at its sole discretion, to:

• Decline an application for a Vickers Home Account
• Refuse credit (including requests to increase credit)
• Decline any requested changes to account terms
• Discontinue a trading relationship

We always act in accordance with our obligations under all relevant New Zealand laws, including the Credit Contracts and Consumer Finance Act (CCCFA), Fair Trading Act (FTA), and Consumer Guarantees Act (CGA). These rights do not limit your legal protections under those laws.

Need Help?

If you’d like assistance completing your application — or prefer a paper copy of the application form — please get in touch.
We’re always happy to help!
Freephone: 0800 5 0800 5
Email: sales@vickershome.co.nz

Contacting Vickers Home

You can reach us in any of the following ways:

Physical Address
Vickers Home
18 Cambridge Street
Levin 5510

Postal Address
PO Box 15
Levin 5510

Freephone
0800 5 0800 5
Business Hours:

• Monday – Thursday: 8:30 AM – 5:00 PM
• Friday: 8:30 AM – 4:00 PM
  (Calls are free from both landlines and mobile phones.)

Email
sales@vickershome.co.nz

Social Media
Stay connected and message us anytime:

• Facebook: Vickers
• Instagram: @vickershomeltd

Payment Options

We make paying for your Vickers Home Account simple and flexible — choose the method that suits you best.

You can make payments by:

• Cash — available in-store.
• Eftpos — in-store only.
• Direct Credit — pay directly into our bank account.
• Automatic Payment or Direct Debit — we set up regular payments to make things easy.

We also accept:

• PayPal
• Apple Pay
• Google Pay
• Afterpay
• Zip
• Credit or Debit card

These options make it easy to pay securely online or on your mobile device.

Need a Little Extra Help?

If you’re currently receiving a benefit and find it difficult to manage payments, we can help by setting up a Redirection of Benefit payment.
This allows a portion of your benefit to be paid directly toward your Vickers Home Account, giving you peace of mind and helping you stay on track.

To discuss the best payment option for you, please get in touch — we’re here to help!
Freephone: 0800 5 0800 5
Email: sales@vickershome.co.nz

How to Place an Order

Placing an order with Vickers Home is quick and easy! Choose the option that works best for you:

Order Online

You can set up and manage your Vickers Home Account online at www.vickershome.co.nz.

 To create your online account:

1. Click “Login / Apply” on our website.
2. Enter your details including:
   • Reference number (if you have one)
   • First and last name
   • Date of birth
   • Create a secure password
3. Log in to your new account.
4. Browse our range and check out when you’re ready.

Prefer not to register?
You can also check out as a guest if you’d like to use another payment method such as PayPal, Afterpay, Zip, or Apple/Google Pay.

Order by Phone

If you’d rather speak to us directly, our friendly team is happy to help.
Call us on Freephone 0800 5 0800 5 during business hours, and we’ll assist you in placing your order.

Order Confirmation

After you place your order, we’ll send you an Order Summary that includes:

• The total purchase price
• Your repayment schedule for that order

Please review these details carefully and confirm that you agree with the amounts and repayment terms.

If you’ve made other purchases with us and still have payments outstanding, your new repayment schedule will also show details of your previous orders — keeping everything clear and easy to manage in one place.

Initial Payments Before Dispatch

If this is your first purchase with Vickers Home and you haven’t yet provided a bank statement, we need to take two initial payments from your nominated bank account before your order is dispatched.

These payments will be:

• Made via direct debit or automatic payment
• For the amount shown in your Confirmation Letter or Application

This quick verification step helps us confirm your bank account details and ensure everything is set up correctly before your products are sent out.

Once your payments are received and verified, your order will be processed and dispatched promptly.

Credit Limits

When you open a Vickers Home Account, your initial credit limit is $400.00.
You can use this credit to purchase products directly from our website.

Reviewing Your Credit Limit

We may review your credit limit over time. Any request or consideration for a credit limit increase will depend on a range of factors, including:

• Responsible lending requirements
• Your payment and purchase history
• The total of your existing and proposed repayment instalments
• An updated affordability and suitability assessment (which may include completing a new form)

All credit limit reviews are carried out in line with responsible lending practices and relevant New Zealand consumer finance laws to ensure your account remains affordable and well managed.

Ongoing Purchases

These Terms apply to all your current and future purchases made through your Vickers Home Account.

From time to time, we may update our Terms and Conditions (as outlined in Clause 27).
When this happens, the updated Terms will automatically apply to any future purchases you make after those changes take effect.

Other Ways to Purchase

You don’t have to miss out on the products you love!
If you’d like to shop without a Vickers Home account — or if you’ve reached your credit limit on your Vickers Home Account — we offer several alternative convenient ways to pay, so you don’t miss out.

You can check out as a guest or customer, with the following payment options:

• Cash – available in-store
• Eftpos – in-store only
• Credit or Debit Card
• Afterpay
• Zip
• PayPal
• Apple Pay
• Google Pay

Right of Cancellation

You don’t have to miss out on the products you love!
If you’d like to shop without a Vickers Home account — or if you’ve reached your credit limit on your Vickers Home Account — we offer several alternative convenient ways to pay, so you don’t miss out.

You can check out as a guest or customer, with the following payment options:

• Cash – available in-store
• Eftpos – in-store only
• Credit or Debit Card
• Afterpay
• Zip
• PayPal
• Apple Pay
• Google Pay

Fees & Interests

We aim to keep our fees simple, transparent, and fair. Below is a summary of the fees that may apply to your Vickers Home account. These are subject to change, and the most up-to-date information is always available on our website: www.vickershome.co.nz.

• Account Setup Fee: $30.00 (non-refundable)
  This one-time fee helps us set up your account and can be paid in instalments.
• Cancellation Fee: None
  You won’t be charged a fee if you decide to cancel.
• Text Reminder for Missed Payment: $0.30
  Charged when we send you a text reminder about a missed payment.
• Letter for Account in Arrears: $3.00
  If your account falls behind, we may send you a letter and charge this fee.
• Missed or Dishonoured Payment Fee: $0.00
  We won’t charge you for a missed or failed payment—but your bank might, so please check with them.
• Monthly Account Maintenance Fee: $3.00
  This helps cover the cost of maintaining your account each month.
• Interest: None
  We don’t charge any interest on your account.
• Field Visit Fee: $50.00
  If we need to visit you in person this fee will be applied to your Vickers Home Account.
• Refund Fee: $30.00
  Your first refund is free. After that, a $30 fee applies to any additional refunds.
• Service & Repair Fees:
  If you return a product that’s not covered by warranty, you may be responsible for service, repair, parts, or freight costs. We’ll always explain these costs before any work is done, and if you agree, we can add them to your Vickers Home account.

Keeping Your Contact Details Up to Date

To help us stay in touch and keep your account running smoothly, please let us know if any of your contact details change—such as your address, phone number, or email. This includes the information you gave us when you first opened your Vickers Home account.

We’ll always use the most recent contact details you’ve given us. Any letters or emails we send will be considered received 10 days after we’ve sent them—so it’s important to keep your details current to avoid missing anything important.

Your Vickers Home Account Statements

If you have a Vickers Home Account, we’ll send you a statement every 45 days— by email.

You can also request a statement at any time or view it instantly by logging into your online account.

Just a friendly reminder: to make sure you receive your statements without delay, please keep your contact details (like your address and email) up to date with us.

Making Payments on Your Vickers Home Account

We want to make managing your payments as easy and stress-free as possible. Here’s what you need to know:

a. Your Responsibility
Making payments on time is your responsibility, so please make sure you have enough funds in your account when your payment is due.

b. Bank Processing Times
Please note that we don’t control when your bank processes payments. Banks usually process transactions several times a day, but it’s a good idea to check with your bank about their payment processing schedule to ensure your payments reach us on time.

c. Changing Your Payment Schedule
If you need to change your payment amount, due date, or how often you pay, just let us know at least 2 working days in advance.
You can make a request by phone, email, or text, and we’ll review it and confirm any changes in writing (by email, text, or post).

• There’s no fee for making changes to your payment plan.
• If the change means it will take longer to pay off your account, we may review your credit limit or account terms.
• We’ll also send you a letter with your updated repayment details if your schedule is changed.

d. Public Holidays
If your payment falls on a public holiday and you’re paying by direct debit, don’t worry—we’ll process it on the next working day(e.g. if Monday’s a holiday, your payment will go out on Tuesday).

e. How Payments Are Made on your Vickers Home Account
Payments for any purchases made through your Vickers Home Account are usually made by direct debit or automatic payment, as outlined in your order confirmation or as agreed with us. We do also offer other methods such as:

• Cash — available in-store.
• Eftpos — in-store only.
• Direct Credit — pay directly into our bank account.

• Redirection of Benefit (If Applicable)

If a payment is missed or late, we may temporarily suspend your access to further credit until regular payments resume.

f. Making Prepayments
You’re welcome to make prepayments at any time toward a future purchase.

• If you decide not to go ahead with a purchase after prepaying, your first refund is free.
• A $30 processing fee will apply for any additional refunds.

g. Whose Bank Account Can Be?
Payment authority forms must be linked to a bank account in your name. We’re unable to accept payments from someone else’s account on your behalf.

h. Payment Authority
To use our credit facilities, you’ll need to either:

• Sign an Automatic Payment form, or
• Authorise us to set up Direct Debits from your account.

This authority must remain active until your account is fully paid off.

If it’s cancelled early, you agree to provide a new payment authority to keep your payments on track and your agreement with us fulfilled.
Please note: we’re not responsible for any fees your bank may charge (such as dishonour or dishonoured payment fees).

If You Suffer Unforeseen Hardship

At Vickers Home, we understand that life doesn’t always go as planned. If you have a Vickers Home Account and are unable to reasonably keep up with your payments or other obligations due to illness, injury, loss of employment, the end of a relationship, or other reasonable causes, you may be entitled under the Credit Contracts and Consumer Finance Act (CCCFA) to apply for a change to your account.

If you reasonably expect to be able to meet your obligations if your account was adjusted, you can apply for one of the following changes:

a. The term of your Vickers Home Account is extended, and the amount of each payment reducedaccordingly; or
b. The dates on which payments are due are postponed for a specified period; or
c. The term is extended and payment dates postponed for a specified period.

How to Apply

To apply for a hardship variation, please make your request in writing and either email or post it to us.
Your application must clearly state the reasonable cause for your inability to meet your current obligations (e.g. illness, injury, job loss, or separation).

Important: Please apply as soon as possible. If you delay your application too long, we may not be legally obliged to consider it.

You can email your written application to:
sales@vickershome.co.nz
Or post it to our usual address.

Additional Payment Options

We want to work with you to find the best possible solution for your situation. In addition to applying for a formal hardship variation, we offer several flexible payment options that may help you manage your account:

• Redirection of Benefit: You can arrange for payments to come directly from your benefit.
• Change to Manual or Online Payments: You may choose to make payments manually via internet banking.
• Automatic Payments (APs): Set up an automatic payment with your bank to ensure consistent payments.
• Direct Debits: Continue or switch to a direct debit arrangement for simplicity.
• Change of Payment Days: You can request to move your payment date to align with your income cycle.
• Change of Instalment Amounts: Adjusting your instalment amount may help you stay on track during difficult times.

Delivery, Risk, and Damaged Products

a. Responsibility and Risk

You are responsible for the products, including any damage to them, from the time they are dispatched to you.
If your parcel arrives and the packaging appears to be damaged, please try to refuse delivery from the courier driver.

b. Damaged Products in Transit

If a product is damaged during transit:

• Please take a photo of the damaged product, if possible.
• Notify us immediately by calling our Customer Service Centre on 0800 5 08005 or emailing sales@vickershome.co.nz.

c. Delivery Completion

Delivery is considered complete when the products arrive at the address specified in your order confirmation.
We are not liable for any products missing or damaged after delivery, except in the following cases:

• You open the package after delivery and discover damage that was not apparent upon delivery; or
• You open the package after delivery and discover that a product is missing.

d. Damaged or Incorrect Products

In the case of damaged or incorrectly supplied products, we will arrange for a replacement or a refund.

e. Assembly and Installation

You are responsible for any assembly or installation of your products.

f. Delivery Area and Address Accuracy

We supply only to residential addresses within New Zealand.
Please ensure you provide the correct delivery address when placing your order, as we may not be able to change it after the order is confirmed.

g. Incorrect Delivery Information

We do not accept responsibility for orders that go missing due to incorrect delivery details provided by you.

h. Rural Deliveries

For rural addresses, orders may be delivered by a rural delivery courier.
If this courier service does not offer receipt confirmation or requires no signature, and your delivery goes missing, Vickers Home cannot pursue any claim or entitlement with the courier.

As an alternative, your order can be delivered to a local pick-up point for collection.
If you wish to use this option, please confirm it at the time of placing your order.

i. Delivery Timeframes

We will always endeavour to deliver products in a timely manner, but we are not liable for late delivery, particularly where delays result from circumstances beyond our control.

If you have not received your product within 14 days of dispatch, please contact us immediately.

j. Missed Deliveries

If no one is home at the time of delivery, the courier will leave a “card to call”, allowing you to arrange redelivery.

Exceptional Circumstances

While Vickers Home will keep customers informed where possible, we cannot accept responsibility for products that are lost or stolen under these conditions.

We recommend ensuring someone is present at the delivery address, or providing an alternative delivery address where someone will be available to receive your order.

Products Not Available / Back Orders

If the supply of your ordered product(s) is delayed or prevented for reasons beyond our control, we will make every reasonable effort to keep you informed. However, Vickers Home will not be liable for any delay caused by such circumstances.

If a delay occurs, we will contact you directly to:

• Advise you of the situation, and
• Discuss alternative options, including the availability of substitute products where possible.

If you choose to cancel your order due to the delay, we will refund in full any amounts you have paid toward the purchase price of the affected product(s).

Returns

a. Incorrect or Faulty Products

If you have received the wrong products or a product that is faulty, please contact us as soon as possible.
We will exchange or replace the relevant product unless the fault cannot be remedied or is of a substantial nature, in which case you have the right under the Consumer Guarantees Act (CGA) to return the product for a refund.

b. Change of Mind Returns

We do accept returns where you change your mind, provided that:

• The product is returned within 10 days of delivery; and
• The product is in the same condition as it was when originally delivered (unused, undamaged, and in its original packaging).

If you return a product because you have changed your mind, or where the product is not defective or faulty, we reserve the right to charge the full freight cost associated with returning the product to us.

c. How to Arrange a Return

If you need to return a product for any reason, please contact us first to confirm arrangements and check if any return charges apply.
Phone: 0800 5 0800 5
Email: sales@vickershome.co.nz

Warranties

a. Manufacturer’s Warranty and CGA Rights

Some of our products come with a manufacturer’s warranty in addition to your rights under the Consumer Guarantees Act 1993 (CGA).
These warranties are designed to provide additional protection for defects in materials or workmanship within the specified warranty period.

Your rights under the CGA and any manufacturer’s warranty may not apply if:

• The product has been incorrectly installed;
• You or another person have damaged the product;
• The product has not been used or maintained according to the manufacturer’s instructions;
• The product has been misused, used for non-domestic purposes, or neglected;
• You have failed to follow the user guide, including completing any required maintenance such as software updates, regular cleaning, or filter replacement;
• The defect is caused by accident, neglect, misuse, or unauthorised repairs; or
• You have attempted to repair the product yourself or used a non-authorised repair agent.

b. Repairs and Assessment Fees

If the issue is not covered under the CGA or the manufacturer’s warranty, we may be able to arrange for a quote for the full repair cost to be provided for your approval.

Please note:

• An assessment fee may be charged by the authorised repair agent; and
• This fee will be payable by you if you choose not to proceed with the repair after receiving the quote.

Delivery Charges

Delivery costs vary depending on the weight, size, and nature of the product, as well as the delivery destination. The following charges apply unless otherwise stated:

a. Standard Deliveries

• Up to 2kg: $20.00
• 2kg to 12kg: $30.00

b. Heavy or Drop-Shipped Items

• Over 12kg or Drop-Shipped Items (such as BBQs, fridges, dryers, and similar large appliances): $75.00

c. Dangerous Goods

• Dangerous Goods (including e-scooters, hoverboards, and similar battery-powered or restricted items) may incur an additional surcharge based on the destination.
• A $10 surcharge applies for South Island and rural deliveries.

Consumer Protection

We are committed to supplying products and services to you in accordance with all applicable New Zealand consumer protection laws, including the Consumer Guarantees Act 1993 (CGA), the Fair Trading Act 1986 (FTA), and the Credit Contracts and Consumer Finance Act 2003 (CCCFA).

If any product or service we provide fails to meet the statutory guarantees under the CGA, or if we are otherwise in breach of our obligations under the CGA, FTA, CCCFA, or any other applicable law, you may be entitled to appropriate remedies as provided by those Acts.

Nothing in these Terms and Conditions (or in any related agreement) is intended to exclude, restrict, or contract out of your rights under the CGA, FTA, CCCFA, or any other statutory rights you may have at law.

Likewise, nothing in these Terms, including under clause 19 below, limits your rights or remedies available to you under New Zealand law, nor does it limit our liability to you under the CGA, FTA, or CCCFA.

Liability

This clause applies only where you are not entitled to remedies under the Consumer Guarantees Act 1993 (CGA), Fair Trading Act 1986 (FTA), or any other applicable law.

Where you are not entitled to such statutory remedies, our liability to you is strictly limited to one of the following, at our discretion:

• Repairing or replacing the affected product; or
• Refunding an amount equivalent to the purchase price of the product.

Where our liability arises directly or indirectly from any breach of our obligations under these Terms or, in the case of a Vickers Home Account (VHS Account), under the relevant Agreement, we will not, to the fullest extent permitted by law, be liable for any consequential, indirect, or special loss or damage of any kind — including, but not limited to, loss of profits, loss of opportunity, or loss resulting from delay.

Property and Title in Products

All products supplied by Vickers Home remain the property of Vickers Home until payment has been made in full for those products.

If you fail to meet your obligations under these Terms or under your Vickers Home Account Agreement, ownership of the products does not pass to you until all outstanding amounts have been paid in full.

In the event of default — including failure to make payment or failure to respond to our attempts to contact you — Vickers Home may, at its sole discretion:

• Repossess any products that remain unpaid; and/or
• Commence recovery action for any outstanding amounts, including taking steps at law or in equity to enforce our rights, assign our rights, title, and interest in the products, and recover debts owed under this agreement.

You authorise Vickers Home to use any information you have provided to assist in the recovery of products or outstanding debts, including the right to share such information with third-party recovery agents.
Any third-party agent engaged for recovery purposes is authorised to add reasonable costs incurred during the recovery process to the total amount owing.

Collection of Customer Information

You authorise Vickers Home to collect, retain, and use your personal information for the purposes set out below. This includes information you provide to us directly through any application, order, or correspondence, as well as information we may collect from third parties.

We collect, use, and share your personal information for the following purposes:

• Assessing and determining your ongoing creditworthiness, including sharing your information with credit reporting agencies and companies that perform credit check services;
• Administering and enforcing any Vickers Home Account or Agreement you may have with us;
• Marketing and promoting our products and services to you, and conducting market research;
• Recording and monitoring calls, including telephone sales, for training and verification purposes;
• Verifying your identity, which may include collecting and using your driver’s licence number, passport number, or other identifying information, and disclosing such information to third-party identity verification providers. Identity verification may occur at any time during our dealings with you.

All information you provide to us must be true, complete, and correct.
If you choose not to provide certain personal information, we may not be able to offer or continue providing our products or services to you.

Where possible, we collect personal information directly from you. However, we may also obtain it from third parties, including but not limited to:

• Credit reporters, as defined in the Credit Reporting Privacy Code 2004; and
• Your next of kin, where you have obtained credit from us and we are unable to contact you using your provided contact details. In such cases, we may also collect your contact information from those next of kin to re-establish contact.

You have the right to:

• Request access to any personal information we hold about you; and
• Ask for correction of that information at any time.

If you wish to make such a request, please contact us directly via:
Email: sales@vickershome.co.nz
Phone: 0800 5 08005

Disclosure of Customer Information

We may disclose your personal information to certain parties in the ordinary course of business and for the purposes outlined in the Collection of Customer Information clause above. This may include sharing information with:

• Our employees, related companies, and agents who assist us in providing our products and services;
• Credit reporters and credit agencies, where you apply for credit from us;
• Debt collection agencies, contractors, or other service providers we may engage from time to time; and
• Any person or organisation to whom we may sell, assign, or transfer any part of our business or rights under an Agreement with you.

When your personal information is provided to a credit reporter, it will be held by that reporter in accordance with the Credit Reporting Privacy Code 2004 and used to:

• Provide credit reporting services to its clients;
• Update its credit reporting database; and
• Distribute information about you to other customers of the credit reporter who use their credit reporting services.

If you default on your obligations to us, information about that default may be provided to a credit reporter.
That credit reporter may, in turn, disclose information about your default to its other customers in accordance with its legal permissions and procedures.

We may also continue to use the services of credit reporters throughout the duration of our agreement(s) with you, including to:

• Receive updated information about your credit status; and
• Verify or monitor information relevant to the ongoing provision of credit to you.

Security

If you have a Vickers Home Account, you will be required to set an online password and a personal identification number (PIN) for verification when contacting our office.

It is your responsibility to keep your account details, password, and PIN secure and confidential.
You must not share these details with any other person or record them in a way that could make them accessible to someone else.

Vickers Home will not accept any liability for unauthorised access to or use of your Vickers Home Account where you have failed to adequately protect your login credentials.

To safeguard your account:

• Keep your passwords and PINs private;
• Do not disclose your details to anyone else; and
• Avoid storing your credentials in any easily accessible place or format.

Complaints

At Vickers Home, we value our customers and are committed to resolving any concerns quickly and fairly.

a. Contacting Us

If you are not satisfied with the service you have received from us, please contact us directly in the first instance.
We have an internal complaints process and undertake to investigate your concerns promptly and  .

You can make a complaint by contacting us via:
Freephone: 0800 5 08005
Email: info@vickershome.co.nz

b. Independent Dispute Resolution (Vickers Home Account Holders)

If you have a Vickers Home Account and are not satisfied with our response after following our internal complaints process, you may refer your complaint to our independent dispute resolution scheme operated by Financial Services Complaints Limited (FSCL).

You can contact FSCL as follows:
Email: info@fscl.org.nz
Freephone: 0800 347 257
Website: www.fscl.org.nz

There is no cost to you for using the services of FSCL.
FSCL will independently review your complaint and work with both parties to help resolve the issue.

Financial Service Provider

Vickers Home is a registered Financial Service Provider under the Financial Service Providers (Registration and Dispute Resolution) Act 2008.

Our registration details are as follows:
Financial Service Provider Register (FSPR) Number: FSP518306

This registration confirms that Vickers Home is authorised to provide financial services in New Zealand and is a member of an approved dispute resolution scheme (Financial Services Complaints Limited – FSCL) as outlined in the Complaints section above.

Waiver

No waiver of any right, power, or condition under these Terms or under any Agreement shall be effective unless the waiver is provided in writing by Vickers Home.

Any such waiver will:

• Apply only to the specific instance or dealing for which it was given; and
• Not operate as a variation, modification, or continuing waiver of these Terms or any other Agreement between you and Vickers Home.

No delay or failure by Vickers Home to exercise any of its rights, remedies, or powers arising from a breach by you of any covenant, condition, or agreement shall:

• Be deemed a waiver of that breach; or
• Prevent or restrict us from exercising those rights, remedies, or powers at any time thereafter.

Variation of Terms and Conditions

Vickers Home may, from time to time, amend or vary these Terms and Conditions.
We will provide you with reasonable notice of any such changes and will publish the updated Terms on our official website.

Any amended or varied Terms will apply only to new orders and Vickers Home Accounts that are approved after the date the updated Terms come into effect.
All existing Agreements and Accounts will continue to be governed by the Terms in place at the time they were originally approved.

Breach of Contract

If you breach any of your obligations under these Terms, under an Agreement, or under your Vickers Home Account, Vickers Home may recover from you all reasonable costs incurred in connection with:

• The recovery of any outstanding amounts owed; and
• The enforcement of our rights under any Agreement or these Terms.

These costs may include, but are not limited to:

• Legal fees,
• Debt collection costs, and
• Administrative expenses associated with managing and enforcing recovery actions.

Any such costs will be charged to you and will form part of the outstanding balance on your Vickers Home Account (if applicable).

Refunds of Credit Balances

If you have a Vickers Home Account that is in credit due to an overpayment or the return of a product, you may contact us to arrange a refund of the outstanding balance.

Please note:

• Refunds will be processed to the original payment method where possible.
• An administration fee of $30 may apply, depending on the circumstances of the refund request.

To arrange a refund or discuss your account balance, please contact our team at:
Phone: 0800 5 08005
Email: sales@vickershome.co.nz

Security Interest

You acknowledge that a security interest (as defined in the Personal Property Securities Act 1999 (PPSA) may arise in any products purchased by you under your Vickers Home Account. This security interest exists to secure performance of your obligations under the Agreement, including the payment of money owed to Vickers Home, or both.

If you fail to meet your obligations under your Vickers Home Account, Vickers Home may, to the extent permitted by the security interest:

• Repossess the products purchased by you; and
• Sell or resell those products to recover amounts owed.

If the proceeds of sale are insufficient to cover your full liability to us, you will remain responsible for any shortfall.

You waive your right to receive a copy of any financing statement or verification statement relating to a security interest that may arise under the PPSA.
To the extent permitted by law, you also agree that:

• Sections 114(1)(a), 117(1)(c), 133, and 134 of the PPSA shall not apply to these Terms; and
• Your rights as a debtor under sections 116, 120(2), 121, 125, 127, 129, and 131 of the PPSA shall not apply to these Terms.

Notices / Electronic Disclosure Consent through Access to Website

a. Notices

Unless otherwise required by law, you will be deemed to have received any notice sent by Vickers Home five (5) days after the date of posting.
All notices will be sent to the last known postal or email address that we have on record for you.
It is your responsibility to ensure that your contact details remain current and accurate.

b. Electronic Disclosure and Communication Consent

If you hold a Vickers Home Account, you consent to receive disclosures and communications from us in electronic form, including any information we are required to provide to you under the Credit Contracts and Consumer Finance Act 2003 (CCCFA) or any other applicable law.

Electronic disclosure may include:

• Email communications sent directly to you; or
• Electronic notifications that provide you with a link or instructions to access disclosures or information on our website or another secure website maintained by Vickers Home.

By maintaining your Vickers Home Account, you agree that any such electronic communication constitutes sufficient notice or disclosure for the purposes of the CCCFA and any other applicable law.

Authority to Act

An Authority to Act allows you to nominate another person to shop or make enquiries on your behalf in relation to your Vickers Home Account.

Please note:

• Granting an Authority to Act does not change your payment arrangements or transfer responsibility for the account.
• The authorised person cannot make any changes to your direct debit details, payment frequency, or payment amounts.
• You will remain fully responsible for all obligations and payments under your Vickers Home Account.

To appoint someone under an Authority to Act, please contact us on:
Phone: 0800 5 0800 5

Termination of Agreements and Vickers Home Accounts

Except where prohibited by law, and without liability on the part of Vickers Home, we reserve the right to terminate any Agreement or Vickers Home Account, either wholly or in part, in the following circumstances:

• You materially breach a material term of an Agreement or your Vickers Home Account; and
• You fail to remedy that breach within twenty (20) working days of receiving written notice from us (or within such longer period as may be reasonable in the circumstances); or
• You become bankrupt or insolvent.

Upon termination, all sums outstanding under the Agreement or Vickers Home Account shall become immediately due and payable to Vickers Home.

Assignment

The rights and obligations set out in these Terms, and in any Agreement or Vickers Home Account, are personal to you.
You may not assign, transfer, or otherwise dispose of any of your rights or obligations to another person.

You must also not part with possession of any products purchased from Vickers Home while any amounts remain outstanding in relation to those products.

Vickers Home reserves the right to assign or transfer all or part of its rights and powers under these Terms and any Agreement or Vickers Home Account to another party.
If such an assignment occurs:

• The Agreement or Vickers Home Account will continue on the same terms and conditions; and
• All amounts due under the Agreement or Vickers Home Account will become payable to the assignee, rather than to Vickers Home.

We will provide you with at least one (1) month’s written notice of any such assignment.

Variation of an Agreement

Notwithstanding our obligations as a responsible lender, Vickers Home may, from time to time, vary the interest rate, fees, or charges applicable under any Agreement or Vickers Home Account.

If such a variation occurs, we will:

• Provide you with at least one (1) month’s written notice in advance of any changes; and
• Comply with all disclosure requirements under the Credit Contracts and Consumer Finance Act 2003 (CCCFA).

Any such variations will take effect from the date specified in the notice provided to you.

Glossary

“CCCFA” means the Credit Contracts and Consumer Finance Act 2003, including any regulations made under it, as amended or replaced from time to time.

“CGA” means the Consumer Guarantees Act 1993, as amended or replaced from time to time.

“Payment Schedule” means the schedule of payments set out in any Agreement or the invoice specifying the required payments under that Agreement.

“PPSA” means the Personal Property Securities Act 1999, as amended or replaced from time to time.

“PPSR” means the Personal Property Securities Register, as maintained by the Registrar of Personal Property Securities.

“we” or “us” means Vickers Home, or any related company, including its successors, assigns, and any person claiming through Vickers Home.

“you” means the person(s) named as the customer in any Agreement and, where there is more than one customer, each of them jointly and severally. It also includes your executors, administrators, successors, and any permitted assignee of your rights under any Agreement.