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                Shopping online is convenient, but it can be harder to sort out problems, especially if…
            
        
     
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                When you shop in-store, you're protected by New Zealand's consumer laws.
            
        
     
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                Real estate, used cars, antiques and other products are often sold at auctions. Your rights…
            
        
     
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                Your rights when buying from a dealer or online trader, including Trade Me. These rights…
            
        
     
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                Special rules apply to uninvited direct sales, eg door-to-door, mail order and infomercials sales.
            
        
     
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                If you buy from a mobile trader, you have the same rights as if you…
            
        
     
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                Layby means you pay instalments and get the item once it's paid off.
            
        
     
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                Buy Now Pay Later (BNPL) is a form of debt that lets you access products…
            
        
     
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                When you get a product up front and pay it off over time. You can…
            
        
     
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                These can be exchanged for products or services up to the value of the voucher…
            
        
     
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                Cash and EFTPOS are both ways of paying for an item immediately using your own…
            
        
     
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                Your rights and things to watch out for when buying goods or services with a…
            
        
     
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                Your rights when setting up, changing or cancelling a direct debit or automatic payment.
            
        
     
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                Your rights and things to watch out for when using payment options that may incur…