Welcome to Air New Zealand’s OneSmart™.
Your Airpoints™ Card with OneSmart technology is a multi-functional card brought to you by Air New Zealand Limited (“Air New Zealand”). The OneSmart features include a OneSmart Account, which is offered to eligible Airpoints members by Bank of New Zealand (“BNZ”) as the issuer. To be eligible for a OneSmart Account you must be an Airpoints Programme member who resides in New Zealand and who is aged sixteen years and over.
Your use of your Airpoints Card is governed by:
- the Air New Zealand Airpoints Programme Terms and Conditions between you and Air New Zealand, which apply to your membership in Air New Zealand’s Airpoints Programme; and
- the OneSmart Account Terms and Conditions between you and BNZ, which apply to your use of the prepaid debit payment functionality (“OneSmart Account”) of your Airpoints Card.
Each agreement is separate, however if you cancel your Airpoints Programme membership then by default your OneSmart Account will also be cancelled, please refer to section 6, of these Terms and Conditions for further details.i
BNZ has no liability to you in relation to the Air New Zealand Airpoints Terms and Conditions. Air New Zealand has no liability to you in relation to the OneSmart Account Terms and Conditions.
1. Definitions
Activate – means you going to the OneSmart Website and following the instructions for “activation” for your OneSmart Account given at the OneSmart Website, which enables your OneSmart Account to be used for transactions. Activated, Activation and Activating shall have the same meaning.
Air New Zealand – means Air New Zealand Limited.
Airpoints Card – means the physical plastic card brought to you by Air New Zealand, as an offering to eligible Airpoints Programme members.
Airpoints Dollars – means the Air New Zealand’s Airpoints Programme’s frequent flyer points.
Airpoints Programme – means the frequent flyer loyalty programme conducted by or on behalf of Air New Zealand.
ATM – means an automated teller machine that accepts MasterCard® cards for cash withdrawals and balance enquiries.
Available Balance – means the total monetary value available to you for transactions using your OneSmart Account, i.e. the total value of all Currency Wallets less any applicable tolerance limits, which may apply to certain transactions in accordance with section 5.8.
BNZ – means Bank of New Zealand, as issuer of the OneSmart Account.
Customer Services – means the OneSmart dedicated 24 hour, seven days a week call centre at 0800 ONESMART (0800 663 762) or +64 9 444 0537, or OneSmart’s online support at www.airnz.co.nz/onesmart.
Currency Order – means, when you have more than one Currency Wallet loaded on your OneSmart Account, the order that the transactions or fees may be applied to your OneSmart Account in accordance with section 3.6.
Currency Wallet - means the portion of your OneSmart Account that holds the total of each of the Supported Currencies which are loaded onto your OneSmart Account.
EFTPOS Terminal – means a device that enables electronic funds transfer at point of sale and includes EFTPOS software integrated into an electronic cash register that is installed at a merchant’s premises to effect point-of-sale transactions.
MasterCard – means MasterCard International Incorporated or is successors or assigns.
MasterCard Conversion Rate – means the exchange rate selected by MasterCard (as opposed to the OneSmart Conversion Rate) from within a range of wholesale exchange rates available or, if applicable, the government mandated rate relevant to the country of the Unsupported Currency being transacted. In either case the exchange rate will be selected on the date that MasterCard processes the foreign currency transaction (and not necessarily the date that you enter into the foreign currency transaction).
Negative Balance – means a negative rather than positive Available Balance, arising because the debits over the OneSmart Account exceed the total value of all your Currency Wallets.
OneSmart Account – means the account associated with your Airpoints Card, carrying your name as cardholder, loaded with one or more Currency Wallets that has access to prepaid debit payment functions and your Available Balance. An account may hold multiple Currency Wallets, which must include New Zealand dollars.
OneSmart Conversion Rate – means the exchange rate applicable to your OneSmart Account and Currency Wallet transfers (as opposed to the MasterCard Conversion Rate) from within a range of Supported Currency exchange rates available at the OneSmart Website. The exchange rate applicable will be that prevailing at the time of processing of the transaction.
OneSmart Website – means www.airnz.co.nz/onesmart
PIN – means a OneSmart Account’s personal identification number for payments, and/or YAP Mobile Services.
Supported Currency – means New Zealand dollars, Australian dollars, Canadian dollars, Euro, Great British pound, Hong Kong dollars, Japanese yen, Singapore dollars, United States dollars and other such foreign currencies as notified by us to you from time to time and available to view at the OneSmart Website.
Terms and Conditions – means these terms and conditions, as amended from time to time.
Unsupported Currency – means any other currency other than those listed in the Supported Currencies, of which you may transact over with your OneSmart Account.
we, us, our – means BNZ.
YAP Mobile Services - means YAP-branded mobile financial services that you can opt in to, to allow you to access your OneSmart Account information and to perform financial transactions using your YAP Registered Mobile Phone.
YAP Registered Mobile Phone – means any associated mobile phone enabled to access your OneSmart Account.
you, your – means the natural person named on the OneSmart Account entering into these Terms and Conditions.
The singular includes the plural and vice versa.
References to days, times or period of time in these Terms and Conditions are reckoned according to New Zealand time.
References to sections are to sections of these Terms and Conditions.
2. Introduction
These Terms and Conditions govern the use of the OneSmart Account, and apply as an agreement between you and BNZ. By Activating your OneSmart Account you agree to be bound by these Terms and Conditions.
We encourage you to read these Terms and Conditions carefully. Please contact Customer Services if you do not understand or are unsure about any of these Terms and Conditions.
2.1 What is a OneSmart Account?
Once Activated, your OneSmart Account is:
- Able to hold multiple currencies (which must include New Zealand dollars), please see the OneSmart Website / Manage Currencies for further details.
- Flexible – you can choose which Currency Wallets to activate and load from the Supported Currencies and transfer currencies between those Currency Wallets when it suits you.
- Prepaid – so you always know how much you have to spend and can keep to a budget.
- Reloadable – there is no limit on the number of times you may load funds.
- Chip, PIN and signature enabled for security.
- Able to be used wherever MasterCard is accepted electronically worldwide, at over 30 million locations around the world, including more than 1 million ATMs.
- Can be linked to your YAP Registered Mobile Phone to access the YAP Mobile Services, see section 8 for further details.
- Air New Zealand currently offers the ability to buy and earn Airpoints Dollars with your OneSmart Account. Your right to buy and/or earn Airpoints Dollars with your OneSmart Account is governed by the Air New Zealand Airpoints Programme Terms and Conditions between you and Air New Zealand.
2.2 Overseas use
You have an obligation to notify us if you move overseas. If you move overseas you will not be able to load funds or reload funds into your OneSmart Account or use it to purchase Airpoints Dollars. However, you will still be able to use your OneSmart Account in the other ways described in these Terms and Conditions. If you move overseas, on the expiry of your current Airpoints Card, Air New Zealand will send to you a standard issue Airpoints Card with no payment functions available.
2.2 Other information
Your OneSmart Account is not like a credit card and your ability to use your OneSmart Account to perform transactions is limited to the Available Balance and any other limits referred to in these Terms and Conditions.
There is no interest payable to you on the balance of your OneSmart Account.
3. Getting started with your OneSmart Account
3.1 How to obtain a OneSmart Account
Provided you are an eligible Airpoints Programme member, reside in New Zealand, aged sixteen years and over and Air New Zealand has your current address, an Airpoints Card that has OneSmart features, including a OneSmart Account, will be sent to you by Air New Zealand. When you receive your Airpoints Card, your OneSmart Account will be in-active.
3.2 Who provides the OneSmart Account
The OneSmart Account is issued and maintained by BNZ. If you choose to Activate the OneSmart Account, you need to take the following steps. Your money is held with BNZ who is responsible for paying it to you.
3.3 How to Activate your OneSmart Account
You begin the Activation process by visiting airnz.co.nz/onesmart
Before you can use your OneSmart Account, we are required to verify your identity. With your permission, we will collect personal information via the OneSmart Website, and we will use online validation services to verify the identity information you provide.
If your identity cannot be verified online, the OneSmart Website will advise you of the next steps. You will be required to provide sufficient identity documentation, in person, in their original form to your nearest BNZ store, Air New Zealand Holiday Store or if you are a Koru member, at an Air New Zealand Koru Lounge (located in Auckland, Wellington and Christchurch international airports). The OneSmart Website will assist you in this process by requesting you download an ID Verification Form, which will pre-populate your information and has a checklist of what you need to provide.
Once you have been positively identified, either online and/or in-person, and completed the online Activation process, your OneSmart Account will be Activated and be ready for you to load funds. There may be a 1 business day delay in this occurring if you have been identified in person.
Note: See section 5.9 Transaction and load limits for maximum OneSmart Account balances as indicated by the type of identification performed. These limits may change from time to time.
3.4 Loading funds on to your OneSmart Account
The initial load of funds on to your OneSmart Account must be in accordance with the load limits outlined at section 5.9 Transaction and load limits. All funds must be loaded in New Zealand dollars. Please see the OneSmart Website / Add Money for details on your options to load funds.
3.5 Multiple Currency Wallets on your OneSmart Account
New Zealand dollars are a mandatory Currency Wallet, and you can select a limited number of other Currency Wallets to add to your OneSmart Account. You may transfer funds between Currency Wallets within your OneSmart Account. Please see the OneSmart Website / Manage Currencies for further details.
The exchange rate used for transferring between your Currency Wallets will be determined by the OneSmart Conversion Rate. The OneSmart Website / Manage Currencies will display a quote of the OneSmart Conversion Rate on offer. If you accept the quote, we will transfer the balances between your Currency Wallets immediately to the currency values agreed by the accepted quote.
3.6 Currency Order
When there is more than one Currency Wallet on your OneSmart Account, a Currency Order will apply. This order is important for some transactions. The Currency Order is set by you, by selecting your order preference at the OneSmart Website / Manage Wallets, or by phoning Customer Services.
3.7 PIN Set up
Upon Activation, you are required to set a four digit payment PIN for your OneSmart Account. You can do this by following the initial card Activation at the OneSmart Website or subsequently at the OneSmart Website / Manage Cards, or by phoning Customer Services.
Once your payment PIN is set, and funds are loaded, you can use your OneSmart Account at ATMs or merchants wherever MasterCard is accepted electronically.
In addition, if you register for YAP Mobile Services you can set a five digit PIN for YAP Mobile Services (YAP PIN), which you can use to authorise transactions via your YAP Registered Mobile Phone. See section 8 for further details about YAP Mobile Services.
Your selected PINs must be designed to reduce the chance of anybody guessing the numbers you have chosen. You must avoid unsuitable PINs such as:
- Birth dates, months or years in any form or combination;
- Sequential numbers (such as 3456) and easily identifiable number combinations (such as 1111);
- Any of the blocks of numbers on your Airpoints Card; and
- Other easily accessible personal figures such as parts of personal telephone numbers or personal data.
If you believe that anyone has gained unauthorised access to any of your PINs, you should contact Customer Services immediately and follow the other procedures set out in section 9 to limit your liability for unauthorised transactions.
Your OneSmart Account will be locked out if an incorrect PIN is entered four times in a 24 hour period. If your OneSmart Account is locked out, you will need to contact Customer Services to have it unlocked.
4. Using your OneSmart Account
4.1 Where you can use your OneSmart Account
You should treat your Airpoints Card with the same care as you would treat cash.
YOU MUST SIGN YOUR AIRPOINTS CARD BEFORE USE
Only you, the cardholder, is authorised to use your OneSmart Account. You are responsible for the use of your OneSmart Account according to these Terms and Conditions
You can use your OneSmart Account with merchants and at ATMs displaying the MasterCard and Cirrus scheme signs. This includes purchases by mail order, telephone order and over the internet. However, some merchants or financial institutions may not accept payment via your OneSmart Account. We are not liable if this happens.
When using your OneSmart Account at EFTPOS Terminals and at ATMs, select the ‘credit’ option and not the ‘cheque’ or ‘savings’ options. You will then be required to enter your payment PIN or sign a voucher to authorise and complete the transaction. The ‘credit’ option also applies when you use your OneSmart Account to make purchases by mail order, telephone order or over the internet.
Your OneSmart Account also has contactless PayPass™ technology. This means that if a merchant has a MasterCard contactless terminal, provided you have an Available Balance, you may use your OneSmart Account to pay for transactions by simply tapping your Airpoints Card on the terminal. For certain transactions a PIN or signature may be required.
If your Available Balance is not adequate to cover the transaction amount, you may request the merchant to charge a part of the transaction to your OneSmart Account and pay the remaining amount with cash or another form of payment (a split transaction). Some merchants do not allow split transactions.
If you use your OneSmart Account number without presenting your Airpoints Card, the legal effect will be the same as if you had presented your Airpoints Card itself.
Your OneSmart Account will be deducted immediately with the amount of each cash withdrawal or purchase, plus any applicable fee and any other amount that we may deduct from your OneSmart Account under these Terms and Conditions. The Available Balance on your OneSmart Account will be reduced accordingly.
4.2 Fees and Charges
Fees and charges apply to certain transactions, enquiries and services relating to your OneSmart Account.
All fees relating to the use of your OneSmart Account are detailed at our fee listing at the OneSmart Website / Fees, and will (unless otherwise specified) be deducted from your Available Balance.
All OneSmart Account fees as listed will be deducted from your New Zealand dollar Currency Wallet in the first instance. If your New Zealand dollar Currency Wallet has no funds, or insufficient funds, then the fee will be deducted from the first or next Currency Wallet in your Currency Order, triggering an ‘Auto Wallet Transfer’ to your New Zealand dollar Currency Wallet. The ‘Auto Wallet Transfer’ will occur at the OneSmart Conversion Rate. The full fee amount could be funded from multiple Currency Wallets available on your OneSmart Account. Once there are sufficient funds in your New Zealand dollar Currency Wallet to pay for the fee, it will be deducted from your New Zealand dollar Currency Wallet.
Some ATM operators may also charge an ATM fee. If you make an ATM withdrawal, that fee will be added to the total transaction value and be deducted from your Available Balance. If the ATM operator’s fee does not relate to a transaction, for example a balance enquiry, the fee will be deducted separately from your Available Balance. Please see section 5.4(a) (Supported Currency transaction) or (b) (Unsupported Currency transaction) to determine which of your Currency Wallets this fee would be deducted from. Not all ATM operators advise you of their fee before you withdraw money from their ATM. Refer to section 5.4(c) of these Terms and Conditions for further information in regard to ATM transactions, fees and operators. Refer to sections 3.6 and 5.4 of for more information.
5. Managing your OneSmart Account
The Transaction and load limits at section 5.9, further set out how you can manage your OneSmart Account. Fees and charges may apply as outlined on our fee listing at OneSmart Website / Fees.
5.1 Balance enquiries
You can check your balance of any Currency Wallet by logging on to the OneSmart Website / OneSmart Account, calling Customer Services or by text message using YAP Mobile Services, see section 8 for further details.
You can also check your balance through an ATM (however, fees may apply). Where you have more than one Currency Wallet on your OneSmart Account, an ATM balance enquiry will show the combined Available Balance of all your Currency Wallets in the local currency of the ATM. Some ATM operators may also charge a separate fee for ATM balance enquiries, which will be deducted from your Available Balance. Please see section 5.4(a) (Supported Currency transaction) or (b) (Unsupported Currency transaction) to determine which of your Currency Wallets this fee would be deducted from.
Your OneSmart Account can only be used if it has a positive Available Balance. If you make or attempt to make any transactions that exceed your Available Balance on your OneSmart Account, then you will be liable to us for any Negative Balance plus any applicable fees, along with any costs incurred in recovering or attempting to recover from you the amount you owe. If a Negative Balance arises, that does not mean that a Negative Balance will be allowed to arise or be increased on subsequent occasions.
5.2 How to protect your Card, PIN and password
The OneSmart Account is for your sole use and may only be used once the OneSmart Account has been Activated and before the expiry date shown on the MasterCard side of your Airpoints Card, provided it is not closed. See section 6.1 for further details.
Your PINs and password must not be:
- disclosed to any person;
- recorded on your Airpoints Card; or
- carried with your Airpoints Card, or stored in your mobile phone.
You must take reasonable care to ensure that your Airpoints Card, OneSmart Account, your YAP Registered Mobile Phone (if applicable) and your PINs and password are not misused, lost or stolen.
Password
You need a password to be able to log into the OneSmart Website. Your password is the same as your password to access your MyAirNZ website. You must protect your password and ensure the password you choose is not obvious or easily guessed (e.g. don’t use your date of birth or any part of your name). We may also need you to provide additional information to authenticate you when logging into the OneSmart Website.
If you forget your password or believe it may have been compromised, you should contact Customer Services.
5.3 Transferring funds between Currency Wallets
You can transfer funds loaded on your OneSmart Account from one Currency Wallet to another Currency Wallet by accessing the OneSmart Website / Manage Currencies.
Funds transferred between Currency Wallets will be converted at the OneSmart Conversion Rate.
5.4 About currency transactions
a) Supported Currency transactions:
When withdrawing money from an ATM, making a purchase or where an overseas ATM operator charges a fee, in each case in a Supported Currency, that you have loaded on your OneSmart Account, the transaction will be deducted from that Currency Wallet.
If the currency is a Supported Currency, but you do not have that Currency Wallet loaded, or if you have insufficient funds in that Currency Wallet, your OneSmart Account will take the funds from the first or next Currency Wallet you have nominated in your Currency Order.
Your OneSmart Account will move through the Currency Wallets in your Currency Order until the transaction value is met. Each time funds are transferred from one Currency Wallet to another, an ‘Auto Wallet Transfer’ will occur and the exchange rate used will be the OneSmart Conversion Rate.
b) Unsupported Currency transactions:
If withdrawing funds from an ATM, making a purchase or where an overseas ATM operator charges a fee, in each case in a currency that is not a Supported Currency, your OneSmart Account will first look to take the funds from your New Zealand dollar Currency Wallet. The amount will be converted at the MasterCard Conversion Rate. If your New Zealand dollar Currency Wallet has no funds, or insufficient funds, then the transaction will be deducted from the first or next Currency Wallet in your Currency Order, triggering an ‘Auto Wallet Transfer’ to your New Zealand dollar Currency Wallet. The ‘Auto Wallet Transfer’ will occur at the OneSmart Conversion Rate. The full transaction amount may be funded from multiple Currency Wallets available on your OneSmart Account. Once there are sufficient funds in your New Zealand dollar Currency Wallet to pay for the transaction the New Zealand dollar will be converted into the Unsupported Currency at the MasterCard Conversion Rate.
A currency conversion fee will apply as set out in fee listing available at OneSmart Website / Fees.
Example of a currency conversion fee transaction:
Suppose you make a purchase in Fijian dollars (which is an Unsupported Currency)
- at the time, the MasterCard Conversion Rate is $1.00 Fijian = $0.71 New Zealand, and
- the amount of the transaction is $200.00 Fijian
- the New Zealand dollar amount is $200 x $0.71 = $142.00
- the currency conversion fee is therefore 2.5% x $142.00 = $3.55
c) Dynamic Currency Conversion
Some overseas ATM operators and merchants may offer you the ability to complete a transaction in a currency other than the country’s local currency. This is called dynamic currency conversion. In this situation, the merchant or ATM operator is applying a foreign exchange margin to the applicable conversion rate that would apply to convert the transaction currency into another currency. This will add cost to your transaction so it may be better to request that the transaction be processed in the currency of the country. The merchant or ATM operator is required to inform you of the currency in which the transaction will be processed before you accept the transaction. By signing the voucher, entering a PIN or completing the transaction you accept the currency offered by the merchant or ATM operator. The currency in which you have authorised the transaction will appear on the transaction voucher.
If withdrawing funds from an ATM that dispenses a currency other than that of the country where the ATM is located, the ATM operator may convert the amount being withdrawn into the local currency before converting it back to the currency being dispensed. This may occur even when the currency being dispensed is the same as that of one of your Currency Wallets. The amount debited to your OneSmart Account may be greater than the amount which is dispensed by the ATM. Not all ATM operators advise of the amount to be debited to your OneSmart Account before you withdraw funds from their ATM.
d) Insufficient Funds
Where there are insufficient funds on your OneSmart Account to process a transaction, the transaction will be declined.
5.5 Errors and transaction disputes
You should retain all vouchers and transaction records received from merchants and electronic equipment and check all details and entries when reviewing transactions on the OneSmart Website / OneSmart Account, by phone, using your YAP Registered Mobile Phone or by calling Customer Services. There may be fees payable for reviewing transactions, refer to the OneSmart Website / Fees. However, please also note your obligation under section 8.2 to delete all text messages sent to YAP Mobile Services.
You cannot stop a payment on any transaction after it has been completed.
A merchant must issue a valid refund voucher to make a refund to you. We can only credit your OneSmart Account with the refund when we receive the voucher from the merchant’s bank.
Steps to resolve an error or transaction dispute:
You should always first communicate directly with the merchant to resolve a dispute. If it cannot be resolved, you should contact us to report it via Customer Services or at the OneSmart Website / Support within 30 days of the transaction in question. Proof of the purchase transaction and a written summary of relevant information may be required.
The date appearing on your transaction record may not be the transaction date recorded by us, as transactions may be completed and posted to your OneSmart Account on a different day.
If you wish to lodge a transaction dispute, please download a Dispute Form from the OneSmart Website and submit it to us via email at help@onesmart.co.nz. Please provide as much information about the transaction as you can. Once we have received your completed Dispute Form, we can investigate the transaction on your behalf. We will acknowledge receipt of your Dispute Form in writing within five business days.
Provided that you have complied with our reasonable request for information, we will correct the error if it is our fault or the fault of our services providers. If on reasonable grounds we decide it is not our fault, we will notify you in writing as soon as this decision is made.
Unless there are exceptional circumstances, in which case we will write to you to let you know, we will complete our investigation of a transaction within 45 days of acknowledging the receipt of the Dispute Form.
If you are not satisfied:
You should refer your complaint to the Manager Complaint Resolution, BNZ, PO Box 955, Auckland, telephone 0800 788 999. If you are unhappy with our investigation, you can refer the matter to the Banking Ombudsman, PO Box 10-573, Wellington, telephone +64 4 471 0006 or call 0800 805 950.
5.6 Refunds or reversals
Refunds or reversals, whether directly from a merchant or in the form of a disputed transaction that was transacted in a Supported Currency, will be returned in that Supported Currency to the same amount and credited to that Currency Wallet on your OneSmart Account. If at the time of refund or reversal, you no longer have the applicable Currency Wallet and you already have the maximum number of Currency Wallets, we will return the equivalent amount in New Zealand dollars into your New Zealand dollar account using the OneSmart Conversion Rate as at the time of refund or reversal.
Refunds or reversals of an amount that was transacted in an Unsupported Currency will be converted at the applicable MasterCard Conversion Rate into New Zealand dollars and returned to your New Zealand dollar Currency Wallet. We will also refund any currency conversion fee charged on your original transaction, and we do not deduct another currency conversion fee on the refunded amount. Note that amounts returned for Unsupported Currencies and currency conversion fees may differ from the amount deducted from your OneSmart Account at the time of the original transaction due to exchange rate fluctuations.
5.7 Security at ATMs
When using your OneSmart Account at ATMs, you should always take security precautions. Observe your surroundings before conducting the transactions. Always take your ATM voucher, which is stamped with your transaction, and you should always check your ATM vouchers against your transaction record at the OneSmart Website / OneSmart Account.
5.8 Limitations on use of your OneSmart Account
OneSmart Accounts cannot be used for:
a) purchases from merchants where the transaction is processed manually (through a zip-zap machine);
b) direct debit, recurring or instalment payments;
c) over the counter cash withdrawals at merchants and financial institutions;
d) purchases from merchants who do not accept prepaid MasterCard branded cards; or
e) transactions in countries prohibited by US Government sanctions and laws.
The following limitations apply to the OneSmart Account:
- When using your OneSmart Account with some merchants (such as hotels and car rentals), ’tolerance limits may apply. This means that the merchant may obtain an authorisation or approval on your OneSmart Account for an amount up to 15% or more than the total bill (or anticipated bill) to cover additional items such as incidentals or to ensure adequate funds are available. The entire amount of the authorisation or approval will be deducted and will not form part of your Available Balance until the authorisation or approval clears, although only the amount actually spent or authorised will be finally deducted from your Available Balance after the authorisation or approval clears.
5.9 Transaction and load limits
The following transaction and load limits apply to your OneSmart Account and are dependent on the type of identity verification performed when you Activated your OneSmart Account:
| Identity verification performed: | ||
| Electronic verfication |
In person verification |
|
| Maximum amount per load on OneSmart Account | NZ$10,000 | NZ$25,000 |
| Minimum amount per load on OneSmart Account | NZ$20 | |
| Maximum amount per load and reload on OneSmart Account via bank transfer | NZ$10,000 | |
| Maximum amount per load and reload on OneSmart Account via retail partners | NZ$1,000* | |
| Maximum number of reloads per day | 3 | |
| Maximum number of ATM withdrawals per day | 3 | |
| Maximum amount you can withdraw from ATMs per day | NZ$1,000 | |
| ATM withdrawal limit per transaction | NZ$1,000# | |
| Maximum amount you can send OneSmart Account to OneSmart Account per day | NZ$5,000 | |
| Maximum amount you can send OneSmart | NZ$5,000 | |
* load and reload amounts may be lower and may differ between retail partners, as determined by each retailer at its sole discretion.
# or a lesser amount set by a local ATM operator.
The foreign currency equivalent for the above-listed amounts will be determined based on the OneSmart Conversion Rate or the MasterCard Conversion Rate, as applicable.
A day is defined as a 24 hour period.
6. Expiry, closing and termination
6.1 Card Expiry
Once Activated, your OneSmart Account can be used until the expiry date shown on the MasterCard side of your Airpoints Card or until you ask us to close it or it is closed by us in accordance with these Terms and Conditions, whichever happens first. Your OneSmart Account cannot be used at merchants or ATMs after the expiry date.
On expiry of your Airpoints Card or when you change your Airpoints Programme status, Air New Zealand will send you a new Airpoints Card to your last known address. You will need to go through the Activation process before you can use your new Airpoints Card to access your OneSmart Account at the OneSmart Website / Manage Cards. Upon completion of this process, your Available Balance and your Currency Wallets will be accessible via your new Airpoints Card, and you will be able to use it at merchants or ATMs. Your identity will not have to be verified again.
If, after a period of six months after the expiry date of your Airpoints Card we cannot locate you using your last known address, your Available Balance will be held by us in accordance with applicable law. Your Available Balance will be held in New Zealand dollars, with any Currency Wallet amounts converted at the OneSmart Conversion Rate.
If your Airpoints Card has expired, you must promptly destroy your card.
6.2 Closing your OneSmart Account
If you would like to close your OneSmart Account, please contact Customer Services. At your option, you can spend your Available Balance by withdrawing funds at an ATM, spend the funds by transacting at a merchant, purchasing Airpoints Dollars on the OneSmart Website or you can request that we return to you your Available Balance via cheque or provide a cash refund from a nominated BNZ Store, net of fees or uncollected transactions.
Requests to close your OneSmart Account will be processed not later than one business day after your request. Any outstanding transactions, fees or amounts owed by you to us will be deducted from your Available Balance before your OneSmart Account is closed. Any outstanding disputed transactions will be discussed with you and paid out separately not later than one business day after resolution, as per your OneSmart Account closure option.
We will pay you your Available Balance in New Zealand dollars and any applicable Currency Wallets will be converted using the OneSmart Conversion Rate. Upon closure of your OneSmart Account, you may be asked to destroy or return to us or to Air New Zealand your Airpoints Card. If you are requested to destroy or return your Airpoints Card, a new Airpoints Programme membership card will be re-issued as a standard issue Airpoints Card with no prepaid debit payment functions available.
6.3 Ending or suspending this agreement
If we reasonably believe a OneSmart Account, PIN, password or YAP Registered Mobile Phone is being used in a way that may cause losses to you or us we may cancel, restrict, or withhold use of your OneSmart Account or YAP Mobile Services at any time, without notice.
Further to this, we may cancel or suspend the use of your OneSmart Account or terminate this agreement with you, if:
a) we believe your OneSmart Account has been or is likely to be misused;
b) you breach any of these Terms and Conditions;
c) we suspect any illegal use of your OneSmart Account or Airpoints Card;
d) you gave us, or we reasonably suspect that you have given to us false or inaccurate information when you Activated your OneSmart Account;
e) we believe that continuing to allow you to use your OneSmart Account may cause us to be in breach of any law (including, without limitation, laws relating to anti-money laundering and countering the financing of terrorism);
f) you are no longer an Airpoints Programme member; or
g) you no longer reside in New Zealand.
We may also close your OneSmart Account by giving you at least 30 days’ notice prior to closure.
If we end this agreement with you, you will be entitled to a repayment of any Available Balance of your OneSmart Account in the manner set out in section 6.2.
7. OneSmart Account Fees
The fees applicable to your OneSmart Account are set out below:
* "Month" means each period of one month starting on the date you Activate your OneSmart Account. For example, if you Activated your OneSmart Account on the 7th of the month, you would need to load NZ$500 or more between the 7th of this month, and the 6th of the next month to qualify for the Monthly Account fee waiver.
# Some ATM operators may charge an additional fee. Please note that not all ATM operators advise of their fees before you withdraw money from their ATMs or request a balance inquiry.
^ Text message charges (domestic and international) from your mobile phone service provider will apply.
If your Available Balance is less than any applicable fee, only the remaining Available Balance will be deducted, i.e. your OneSmart Account will not go negative to effect a fee payment.
Where applicable, these fees are GST inclusive.
Please see section 4.2 for further details about fees and charges.
8. YAP Mobile Services
8.1 About YAP Mobile Services
YAP Mobile Services is an optional service, enabling the use of your YAP Registered Mobile Phone to perform OneSmart Account-to-OneSmart Account payments, balance enquiries and OneSmart Account communications.
YAP Mobile Services may be provided using short message service (‘SMS’ or text messages) or by other electronic means, including software applets which you may be required to install on your YAP Registered Mobile Phone.
PLEASE NOTE THAT TEXT MESSAGES YOU USE FOR YAP MOBILE SERVICES ARE NO MORE SECURE THAN REGULAR TEXT MESSAGES. While we and our affiliated partners have designed our information technology systems to reduce the incidence of fraud, we cannot warrant that a third party will not intercept any text messages used in conjunction with YAP Mobile Services.
When using text messages for YAP Mobile Services, you should send all commands to the short code or telephone number specified for this purpose. To check which short code or telephone number you should send commands to for YAP Mobile Services, please visit the OneSmart Website / Go Mobile or phone Customer Services.
The balance provided when using the YAP Mobile Services to perform a balance enquiry may differ from your actual Available Balance due to loads in progress, charges, fees, outstanding withdrawals and payments. YAP Mobile Services will provide the most current Currency Wallet balance at the time you use the YAP Mobile Services to perform a balance enquiry.
You may choose to withdraw from YAP Mobile Services at any time by sending the appropriate command to the designated short code or telephone number. You may subsequently re-enrol for YAP Mobile Services at any time on your mobile phone, and these Terms and Conditions will govern any such re-enrolment.
8.2 Using YAP Mobile Services
IF YOU USE YAP MOBILE SERVICES, WE ASK THAT YOU DELETE ALL TEXT MESSAGES SENT TO YAP MOBILE SERVICES FROM YOUR YAP REGISTERED MOBILE PHONE’S TEXT MESSAGE ‘OUTBOX’ AND ‘SENT BOX’, AND THAT YOU MODIFY YOUR YAP REGISTERED MOBILE PHONE’S SETTINGS SO THAT OUTGOING TEXT MESSAGES ARE AUTOMATICALLY DELETED.
Once you have provided instructions to perform YAP Mobile Services, you will not be able to reverse the requested transaction except as described in section 9, Unauthorised transactions. It is your responsibility to correctly enter all information into your YAP Registered Mobile Phone when using YAP Mobile Services, including any transactions amount(s).
We will carry out YAP Mobile Services only if they are performed in accordance with relevant security procedures implemented by us, such as using a YAP PIN. You are also advised to lock your YAP Registered Mobile Phone with a password or number code whenever it is not in use, so that your personal information is not accessible by others.
8.3 Limitations on YAP Mobile Services
We will not complete any instruction you provide via YAP Mobile Services to make a payment to a person that has not agreed to these Terms and Conditions (a ‘non-user’) unless and until such person or entity follows the procedures required to accept the payment; these required procedures may include agreeing to these Terms and Conditions. If the person or entity chooses not to follow the required procedures, the payment will be returned to you by us.
Third parties have the right to refuse attempted payments from you if you choose to use the YAP Mobile Services to pay them. If you remit a payment and the recipient refuses to accept it, the payment shall either be refunded by us or not be deducted by us from your Available Balance.
If a YAP Mobile Services payment takes the recipient’s OneSmart Account over their maximum account balance limit, the payment will be returned to you by us, and vice versa, if you receive a payment that takes your OneSmart Account over its maximum account balance, then the payment will be returned to the recipient.
9. Unauthorised transactions
IF YOU BELIEVE THAT YOUR AIRPOINTS CARD OR ANY YAP REGISTERED MOBILE PHONE HAS BEEN LOST OR STOLEN, OR THAT SOMEONE HAS TRANSFERRED OR MAY TRANSFER FUNDS FROM YOUR ONESMART ACCOUNT WITHOUT YOUR PERMISSION, CONTACT CUSTOMER SERVICES IMMEDIATELY.
Remember that if you have registered with YAP Mobile Services, your YAP Registered Mobile Phone is a form of access to your OneSmart Account, and therefore if it is lost or stolen, this too must be reported to us, and your YAP Mobile Services can be suspended from your YAP Registered Mobile Phone number.
9.1 Unauthorised use, loss or theft
You must promptly notify us via Customer Services if:
- Your OneSmart Account is misused;
- Your Airpoints Card is lost or stolen;
- Your Airpoints Card is damaged or not working properly;
- The security of your PINs or password are breached in any way;
- You are enrolled in YAP Mobile Services, and your YAP Registered Mobile Phone is lost, stolen, or used without your authorisation; or
- There is reason to believe any of the above might occur or might have occurred.
If there is a delay in you giving us this notification, you may be responsible for some of the losses occurring as a result of the delay, and the transactions performed with your OneSmart Account may stand, resulting in the Available Balance being reduced accordingly.
The notification must be made by phone to Customer Services.
The notification must then be confirmed in writing by email to help@onesmart.co.nz or mailed to:
OneSmart
FreePost 238557
PO Box 17265
Greenlane
Auckland 1546
ATTN: Risk Leader
You may request a replacement for your Airpoints Card if it is lost or stolen, but we reserve the right, in our sole discretion, to decide whether to issue a replacement Airpoints Card with OneSmart technology. Depending on our decision, Air New Zealand will then:
a) send you a replacement Airpoints Card with no prepaid payment functions available. Any remaining Available Balance on your OneSmart Account will be paid out to you at your option, as per section 6.2, or
b) send you a replacement Airpoints Card with OneSmart technology. The remaining Available Balance in your OneSmart Account will be reinstated after any transactions (including unauthorised transactions for which you are liable under these Terms and Conditions) or other amounts that we are entitle to deduct from the Available Balance, together with the fee relating to the replacement Airpoints Card have been deducted.
9.2 Your liability for unauthorised transactions
Once you have notified us that your Airpoints Card or your YAP Registered Mobile Phone has been lost or stolen or your PINs or password may have been disclosed to someone else, you will not be liable after that time for any transactions by someone else accessing your OneSmart Account.
You will not be liable for any loss before notifying us unless you have:
- unreasonably delayed notifying us;
- selected unsuitable PINs such as the examples referred to in section 3.7 (PIN set up);
- written your PINs on your Airpoints Card or kept a written record of your PINs with or near your Airpoints Card or recorded in your mobile phone;
- kept your PINs in a form that can readily be identified as a PIN;
- disclosed your PINs to someone else or failed to take reasonable care to prevent other from identifying your PINs, when for example, keying in your PINs;
- allowed someone else to access your OneSmart Account or failed to reasonably safeguard your Airpoints Card; or
- contributed to or caused losses from unauthorised transactions as a result of your actions.
If any of the above events apply, you will be liable for all transactions before you notified us, or for any loss which could otherwise have been prevented up to the amount you yourself would have been able to access during the time before you notified us of the loss of theft of your Airpoints Card, loss or theft of your YAP Registered Mobile Phone, or the disclosure of your PINs or password.
The limits on your liability set out above do not apply where you have acted negligently or fraudulently, either alone or together with any other persons.
You will be liable for all loss, including any consequential loss suffered by third parties, if you act fraudulently, either alone or together with any other persons. You may be liable for some or all losses arising from any unauthorised access, whether occurring before or after notification, if you have caused or contributed to that loss; for example, by failing to comply with these Terms and Conditions.
You are not responsible for:
- any negligent or fraudulent conduct by any staff or agents of us or Air New Zealand, or any parties involved in the provision of electronic banking services;
- any incorrect charges against your Available Balance when the machinery used or system involved in a transaction is not working properly, unless you persist in using your OneSmart Account when advised by a message or notice on display that the machinery or system is not functioning properly; or
- any unauthorised transaction occurring either before you Activate your OneSmart Account or when it is clear that you could not have contributed to any loss you may have suffered.
Provided we have complied with our duty to act with reasonable care and skill and our other obligations under the Consumers Guarantees Act 1993 (in each case where applicable), we are not responsible for:
- any negligent or fraudulent conduct by any staff or agents of us or Air New Zealand, or any parties involved in the provision of electronic banking services;
- any incorrect charges against your Available Balance when the machinery used or system involved in a transaction is not working properly, unless you persist in using your OneSmart Account when advised by a message or notice on display that the machinery or system is not functioning properly; or
- any unauthorised transaction occurring either before you Activate your OneSmart Account or when it is clear that you could not have contributed to any loss you may have suffered.
Provided we have complied with our duty to act with reasonable care and skill and our other obligations under the Consumers Guarantees Act 1993 (in each case where applicable), we are not responsible for:
- refusal by a MasterCard member to allow a cash withdrawal at their ATMs;
- any dispute between you and a merchant;
- the actions of any merchant;
- any losses caused by occurrences beyond our or Air New Zealand’s control, including non-delivery of mail and failure of an ATM or communication linkage resulting in you being unable to use your OneSmart Account;
- any action taken by us or Air New Zealand, where your Airpoints Card has been reported lost or stolen, which results in a merchant refusing a transaction because he or she suspects that you do not have any rights in respect of your Airpoints Card or OneSmart Account;
- any action taken against you in connection with the fraudulent use of your OneSmart Account; or
- any losses which arise where you have acted negligently or have acted fraudulently, either along or together with any other person(s).
10. Privacy and information collection
Information about you: Information about you which, at any time, you provide:
- to us or is collected by us or any related company (as defined in section 2(3) of the Companies Act 1993 as if “company” includes a company or other body corporate incorporated in New Zealand or any other jurisdiction) of us (each, a “BNZ Company”) in relation to your Airpoints Card and OneSmart Account;
- in connection with your Airpoints Card and your OneSmart Account to Air New Zealand, any provider of telephone call services, any third party in order to identify you, or MasterCard (collectively, the “Parties”);
may be stored, used or disclosed in accordance with this section. Each BNZ Company and the Parties may rely on this section 10 for the purposes of the Contracts (Privity) Act 1982.
Storage of information: Information about you may be stored physically or electronically, including in offshore facilities, by any BNZ Company, Air New Zealand or any third party (who is subject to an obligation of confidentiality in relation to that information) contracted to store it. Each BNZ Company and Air New Zealand will ensure that any information held about you is protected securely as required by the Privacy Act 1993 and any other applicable laws. No BNZ Company or Air New Zealand will disclose information about you to any person, except in connection with a purpose described below, or as authorised by you or as required or authorised by law.
Use and disclosure of information: Information about you will be used primarily for administering your OneSmart Account and the Available Balance. Information about you may also be disclosed to Air New Zealand for the purpose of administering the Airpoints programme, crediting you with Airpoints Dollars and/or providing you with Airpoints programme rewards and benefits, improving services and or benefits offered, identifying and presenting offers from Air New Zealand or its partners that maybe of interest to you, carrying out aggregated statistical data analysis on Air New Zealand’s or its partners’ behalf and/or such other use as you expressly authorise.
Information (including, for example, OneSmart Account transaction information) may also be used and disclosed to further the relationship between you and any BNZ Company, the Parties (including Air New Zealand), or a third party, and for marketing purposes. This includes, without limitation, communicating with you via email, text message, an on-line facility (without an unsubscribe facility), telephone or post about any products, services or promotions offered or distributed by Air New Zealand.
Information may be disclosed to another BNZ Company or a third party in connection with any of these purposes provided the recipient of the information is subject to an obligation of confidentiality in relation to that information.
Access and correction: Pursuant to the Privacy Act 1993 and other applicable laws, if you are an individual, you have rights to see and request correction of personal information about you held by a BNZ Company or the Parties.
Recording of telephone calls: Your telephone calls with Customer Services in relation to your OneSmart Account may be recorded by us or a third party providing telephone call services in relation to your OneSmart Account.
11. Other important information
11.1 Communications
Subject to section 10 you agree that we (or our agents) may give written notices or other communications to you under or in connection with these Terms and Conditions either:
- by writing to you at your residential or postal address last known to us;
- by giving it to you personally or leaving it at your residential or postal address last known to us;
- by electronic communication to your email address, fax number, or YAP Registered Mobile Phone (if you have registered to use such services) last known to us or which you last gave us for sending notices and communications to you; or
- if the notice or communication is not personal to you – by publishing a notice in a newspaper circulating nationally in New Zealand.
If a notice or other communication is given to you by electronic communication, the content of the electronic notice or communication may be:
- set out in the body of the email or text message;
- included as an electronic document attached to the email; or
- made available at the OneSmart Website for retrieval by you (with the email or text message advising you of this and of the general nature of the information, and giving you the ability to readily retrieve the information electronically).
If a notice or other communication is given to you:
- in writing – you are taken to have received it when it would be delivered in the ordinary course of the post;
- by giving it to you personally or leaving it for you – you are taken to have received it on the day of delivery; or
- electronically – you are taken to have received it on the day it is transmitted.
We and our agents may redirect and/or delay acting on any instructions given where we consider that we have good reason to do so.
In addition to the ways set out in these Terms and Conditions, we (and our agents) may give you a notice or other communication by using any method allowed or required by a law. If a law requires us (or our agents) to use a particular method, such method will be used.
You agree that, for the purpose of communications originated from or received by Customer Services or through the OneSmart Website, and for the purpose of electronic communications received by Customer Services or through the OneSmart Website, Customer Services or the operator of the OneSmart Website may:
- verify your identity by reference to any or all of the information given by you or us (or our agents) during Activation or at any other time, or any changes made to this information; and
- proceed on the basis that we or they are dealing with you if satisfied by that verification.
11.2 Change of personal details
We rely on having accurate information about your personal details. If you change these details (for example your address or your email address), you must notify us promptly by logging onto the OneSmart Website / My Profile or by calling Customer Services.
You should also contact Customer Services if you change your name.
We will not be responsible if you do not receive any notice or correspondence that has been sent in accordance with the contact details you have provided.
11.3 Changes to these Terms and Conditions
We may amend these Terms and Conditions, including any fees and charges associated with the use of your OneSmart Account, from time to time by giving you at least 14 days’ written notice by advertisement in the public notices columns of major newspapers in New Zealand. We will also publish any changes on the OneSmart Website.
12. Governing Law
Any legal questions concerning these Terms and Conditions, the agreement between you and us (which is governed by these Terms and Conditions) or the OneSmart Account will be decided by the courts, and under the laws, of New Zealand.
Last Updated: October 2011
