Terms of Use

Last updated: 22 July 2026

These Terms of Use apply to your access to and use of the Ironstein website and its invoice-payment functionality.

“Ironstein”, “we”, “us” and “our” mean Ironstein Consulting Limited.

By using this website, you agree to these Terms. If you do not agree, please do not use the website.

1. Website information

The website provides general information about Ironstein’s payment-infrastructure, compliance and related professional services.

Website content is provided for general information only. It does not constitute legal, tax, accounting, investment or other regulated professional advice.

You should obtain advice appropriate to your circumstances before acting on website content.

2. Professional engagements

Professional services are provided only under an agreed proposal, statement of work, engagement letter or other written agreement.

The relevant engagement document will define the scope, deliverables, responsibilities, fees and other applicable terms.

If these Terms conflict with a signed engagement document, the engagement document will apply to the relevant services.

Submitting an enquiry does not require Ironstein to accept an engagement.

3. Client responsibilities

Clients are responsible for:
• Providing accurate, complete and timely information
• Reviewing deliverables and raising questions promptly
• Making their own business and regulatory decisions
• Obtaining independent legal, tax or other specialist advice where required
• Ensuring they have authority to provide information and instructions to Ironstein

Ironstein may rely on information supplied by the client or its authorised representatives.

4. No guarantee of regulatory outcome

Ironstein provides practical infrastructure and compliance support but does not guarantee:
• Approval of any licence, registration or payment-provider application
• Acceptance by a bank, regulator or third-party provider
• A particular regulatory, commercial or operational outcome
• That a client’s systems or controls will eliminate every risk or compliance issue

Regulatory decisions remain with the relevant authority or third party.

5. Fees, invoices and GST

Fees and deliverables will be confirmed before an engagement begins.

Applicable GST, taxes, expenses and third-party costs will be identified in the relevant proposal, quotation or invoice.

Unless otherwise agreed in writing, invoices must be paid by the due date stated on the invoice.

All payment amounts displayed on the Pay an Invoice page are in New Zealand dollars unless clearly stated otherwise.

6. Invoice payments

The Pay an Invoice page is intended only for clients who have received an invoice or payment reference directly from Ironstein.

Before making payment, you must verify:
• The invoice number
• The payer or company name
• The amount payable
• The payment reference

Payment processing may be completed by an approved third-party payment provider. That provider may apply its own terms and privacy policy.

Payment of an invoice does not change the agreed scope or create a new professional engagement.

7. Cancellations and refunds

Cancellation requests must be made in writing.

If an engagement is cancelled before work begins, Ironstein will refund amounts paid in advance, less any agreed or non-recoverable third-party costs already incurred.

If work has begun, the client remains responsible for:
• Work completed up to the cancellation date
• Agreed expenses
• Non-cancellable third-party costs
• Any other amount payable under the relevant engagement document

Any remaining prepaid balance will be refunded where applicable.

Incorrect or duplicate invoice payments should be reported promptly. Verified overpayments will be refunded or credited as appropriate.

Nothing in this section limits rights that cannot lawfully be excluded.

8. Confidentiality

Information provided in connection with an engagement will be handled confidentially, subject to:
• The relevant engagement terms
• Legal or regulatory disclosure requirements
• Disclosures authorised by the client
• Reasonable use of service providers and contractors supporting the engagement

Website enquiries should not include unnecessary sensitive or confidential information.

9. Intellectual property

Unless otherwise agreed in writing:
• Ironstein retains ownership of its pre-existing materials, methods, templates and know-how
• The client may use final deliverables internally for the purpose for which they were provided
• Website content, branding and design may not be copied, republished or commercially used without permission

Third-party materials remain subject to the rights and terms of their respective owners.

10. Acceptable use

You must not:
• Use the website for unlawful, fraudulent or misleading purposes
• Attempt to gain unauthorised access to the website or related systems
• Submit false invoice or payment information
• Interfere with website security or functionality
• Upload malicious code or harmful material
• Misrepresent your identity or authority

We may restrict access where reasonably necessary to protect the website, users or Ironstein.

11. Website availability

We aim to keep the website accurate and available, but we do not guarantee that:
• The website will always be available or error-free
• Website content will always be complete or current
• Third-party services or links will remain available
• The website will be free from every security risk

We may update, suspend or withdraw website functionality without notice where reasonably necessary.

12. Liability

To the maximum extent permitted by law, Ironstein is not liable for loss arising solely from:
• Reliance on general website information
• Unavailability or interruption of the website
• Third-party websites or payment services
• Unauthorised or unlawful use of the website
• Inaccurate information supplied by a user or client

Liability relating to professional services will be governed by the applicable engagement document.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.

13. Privacy

Our collection and handling of personal information is described in our Privacy Policy

14. Third-party services and links

The website may link to or use third-party services, including hosting, form-processing and payment services.

Ironstein does not control those services and is not responsible for their separate terms, availability, security or privacy practices.

15. Changes to these Terms

We may update these Terms to reflect changes to our website, services or legal obligations.

The updated Terms will be published on this page with a revised “Last updated” date.

16. Governing law

These Terms are governed by the laws of New Zealand.

You submit to the non-exclusive jurisdiction of the New Zealand courts.

17. Contact

Questions about these Terms, invoice payments or website use may be submitted through the Contact page

IRONSTEIN

Payment Infrastructure & Compliance

Ironstein Consulting Limited

NAVIGATION

LEGAL

Aotearoa New Zealand