Understanding your rights

Understanding your rights as a consumer and as an investor can make a big difference to your financial situation. 

This is particularly relevant when it comes to the costs associated with debt, faulty goods, and provision of sub-standard services. Many organisations and agencies produce resources or provide services and information that can help you. If you are concerned by things such mounting fees associated with debt or the impact of purchasing a faulty product or even something you didn’t really want, you may have options. Here are some places to seek help to understand your rights, make a complaint and find a solution to your situation.

Commerce Commission

Know your rights around fair trading with suppliers

Know your rights around consumer credit

Consumer Protection, Ministry of Business, Innovation and Employment

Consumer Protection provides a range of information and advice to consumers on the process of buying – what to know and do before, during and after purchasing a product or service. 

Dispute resolution schemes

You have access to dispute resolution services if you are concerned about the actions of a financial services provider where you are a customer. All financial advisers and financial services providers must belong to one of these schemes. The approved, independent dispute resolution schemes are: 

Banking Ombudsman

Financial Dispute Resolution Service (FDRS)

Financial Services Complaints Limited

Insurance & Financial Services Ombudsman


Additional information on understanding your rights can be found in Sorted's guides.

Local Financial Mentors

Contact your local financial mentor (budgeting service) for advice and support on financial matters and consumer rights. Visit the Family Services Directory to find your nearest financial capability service (budgeting service) for financial mentoring (budgeting) and MoneyMates (financial capability peer-led workshops).

Citizens Advice Bureau

The home page for Citizens Advice Bureau 

Community Law Centres

Community Law Centres provide access to free legal help. This can be useful if you want to understand your rights and how you could make a complaint or find a solution to your situation.    

You can also find out where to visit Community Law Centres on the Law Access website. 

Consumer NZ

Consumer NZ is an independent, non-profit organisation dedicated to getting New Zealanders a fairer deal and offers a range of helpful information and advice.