Privacy and Disclaimer

Legal Disclaimer and Terms of use


Southern Cross - Current Privacy Policy

Southern Cross is committed to protecting your privacy. Personal information we collect via this website is only used for the purposes for which it is collected. We will not use or disclose any personal information for any other purpose without your consent. An exception to this is where Southern Cross may be required by law to disclose certain information.

Terms of Use

Use of and access to this website is subject to the following terms and conditions which you are deemed to accept by accessing this website. You must not use our website in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity. The majority of content posted in forum and blog discussions is created by members of the public. The views expressed are theirs and unless specifically stated are not those of Southern Cross. We accept no responsibility for any loss or harm incurred.

About the website

The information on this website is general information only. We try to keep the information up to date. However, to the fullest extent permitted by law, we disclaim all warranties, express or implied, in relation to this website - including without limitation) warranties as to accuracy, completeness, availability and fitness for any particular purpose. Please seek independent advice before acting on any information on this website.

We do not warrant that functions available on this website will be uninterrupted or error free, that defects will be corrected, or that the server that makes it available is free of viruses or bugs. You acknowledge that it is your responsibility to implement sufficient procedures and virus checks (including anti-virus and other security checks) to satisfy your particular requirements for the accuracy of data input and output.

Intellectual Property

Southern Cross owns all copyright and other intellectual property rights in this website. All rights are reserved. You may download and temporarily store any page for the sole purpose of viewing on a personal computer or monitor. Otherwise you must not copy, display, modify, reproduce, store in a retrieval system, transmit (in any form or by any means), distribute, use for creating derivative works or use in any other way for commercial or public purposes any part of this website without our prior written consent.

Right to remove or reproduce material

Southern Cross maintains the right to remove or modify any material posted to this site which it deems inappropriate
or subject to change in its absolute discretion.

By sharing any contribution (including any text, photographs, graphics, video, audio or other media) with us you agree to grant us, free of charge, permission to use the material in any way we want (including modifying or deleting it). In order that we can use your contribution, you confirm that your contribution is your own original work, is not defamatory and does not infringe any laws and that you have the right to give us permission to use it for the purposes specified above

Hypertext links

No link to any page on this website may be created without Southern Cross’ express written consent. We are not responsible for the contents or reliability of any other websites to which this site may be linked and do not necessarily endorse the views expressed within them.


This website is governed by, and is to be interpreted in accordance with, New Zealand law. Any claims or disputes between us concerning this website will be resolved by the New Zealand courts.

To the fullest extent permitted by law, we will not be liable for any failure of this website to comply with the laws of any other country.


We will not be liable to you for any damages, losses (including, without limitation, loss of profits, business opportunity or data), costs or expenses of any kind which arise out of, or result from, any use of, or inability to use, this website or any other website which is linked to this website.