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Term & Conditions


By using the Bank of China (New Zealand) website (website) you agree to be bound by these terms. These terms cover your use of this website. Separate terms apply to your use of our banking and financial products and services. In these terms you and your refers to the person browsing the website and we, us and our refers to Bank of China Limited's branch and subsidiary in New Zealand.

The information on this website has been prepared in accordance with New Zealand law for the supply of services in New Zealand only (regardless of your location). The information on this website is for general information only and is not designed for the purpose of providing personal financial or investment information or advice. You should obtain independent professional legal and/or financial advice before you rely on any of the information on this website.

While we make every effort to ensure that the information on this website is accurate and up to date, the information may not be complete, and may not be suitable for your intended use. The information on this website may change at any time without notice to you. You may stop accessing this website at any time if you do not agree to these terms, including as changed from time to time.

Subject to any applicable law which cannot be excluded, including the New Zealand Consumer Guarantees Act 1993 and the New Zealand Fair Trading Act 1986 which may provide you with guaranteed rights and remedies, we accept no responsibility for any loss, cost, damage or expense (whether direct or indirect) suffered or incurred by you as a result of the information available on this website, or if we fail to provide information to you on this website.

All information on this website is owned by us or our licensors. You may not copy or link to this website without our prior written consent.

These terms are governed by New Zealand law.

This website incorporates our Privacy Policy.

Privacy Policy

Bank of China Limited's subsidiary and branch in New Zealand complies with its obligations under the Privacy Act 1993. This privacy policy sets out how we collect and use your personal information. Personal information means information about an identifiable individual.

This privacy policy applies to all products and services you acquire from us in relation to our New Zealand operations. By using our products and services, and providing us with personal information, you agree to this privacy policy.

Type of personal information

We collect personal information relevant to the provision of our products and services to you. That personal information may include:

  • your name, identification information, date of birth, IRD number and contact details
  • how you use our products and services (e.g. your use of online banking, ATM, social media pages and others) including your login credentials, your location (where you permit), device identifiers
  • your employment information, financial position, credit history and banking history
  • any contact you have with us including complaints or other communications (written or verbal). Conversations you have with us may be recorded for verification or training purposes
  • any other information we are required by applicable law to collect

Collection of your personal information

Where possible, we collect your personal information directly from you. We may also collect personal information:

  • that you provide directly to us
  • where that information is publicly available
  • from credit reporting agencies and other commercial information providers
  • third parties who provide products and services to you as our customer
  • from other members of the Bank of China group
  • your employer, financial adviser, insurance provider
  • from other sources permitted by applicable law

If you do not provide us with certain personal information then we may not be able to offer all our products and services to you.

Use and disclosure of your personal information

We use your personal information to provide you (or not provide you) with products and services, to better understand your preferences, to communicate with you and provide customer support, and to develop our business. If you have a joint account we may share your personal information relating to your joint account with other joint account holders.

We may share your personal information with other members of the Bank of China group, with our third party partners who provide products and services to us and to you, to your representatives and anyone you make a payment to, to government and regulatory authorities, credit reporting agencies and any other person required or permitted by applicable law.

We may use your personal information to send you information (including by email, SMS or other electronic message).

We may also share your personal information with any other person where you have consented to that sharing.


We use reasonable physical and electronic security measures to protect your personal information.

We store your personal information in New Zealand, in Hong Kong and China, or in other locations around the world where the Bank of China group has offices.


We use cookies and other digital tracking technologies to help us collect and store information about your use of our electronic services. We use this information for security, analysis, advertising, and to reflect your preferences.

You may disable cookies on your browser but if you do so you may not be able to use our services securely or to the fullest extent of those services.

Access and correction

You may request access to, and correction of, your personal information by contacting us at

This privacy policy is governed by New Zealand law.

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