How to read a contract

5 Tactics for Reading Legal Contracts

By: Jean Yang | Vice President of Legal Services

August 21, 2020

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A contract is a collection of legally enforceable promises between two or more parties. Contracts can be full of “legalese” terminology, the rough size of a short story and intimidating to review. No matter how scary reviewing a contract can be, it is important to always understand what exactly you’re agreeing to.

Here are 5 tips you can use to learn how to read a contract:

1. Examine the Contract

Reading a legal contract is as much about learning as understanding. There will be language that you understand at a first glance, and items that you want clarified further. Use the headings in the contract to understand the theme of the section, and the rights and responsibilities that fall under it.

As you read the contract, ask yourself if you know what each sentence means, and how it might affect you. You want to consider what happens when things go wrong.

2. Understand What to Expect

Contracts usually start by stating parties and context — the “who” and “what.” For example, employment agreements will say that the employer will pay the employee for services.

A definitions section usually follows. This section spells out the defined meanings of words for the purpose of the contract, such as what “Effective Date” means. Definitions like “Default Event” might say something like “any event set out in section X.”

Another common contract feature is cross referencing: when one section or legal clause references another (sometimes on a completely different page of the agreement). This can make contracts hard to read, going back and forth or yo-yo-ing the scroll bar to read one section in the context of another.

3. Make Notes

Take note of anything you aren’t sure about so you can look it up later or seek legal advice. It helps to print out a contract and use a pen or highlighter on it like you are studying for an exam. It’s a good idea to write notes or jot down questions in the white space of a contract to remember where you came across that issue.

4. Google Some Legal Terms

Legal terms and jargon can make contracts feel impossible to understand, however these terms can be easily googled. There are plenty of legal dictionaries available online. Some words, like “default,” mean something different in a legal context. Try googling “default meaning legal” or “default meaning contract” to get the legal definition of these words. It’s important to have a concrete understanding of what you’re agreeing to.

5. Ask Questions

Once you are comfortable with the meanings of words and clauses, read the contract again and note any further questions or concerns you have. In particular, ask the other party whether there are any implied terms, and ask for clarification on any broad or ambiguous terms. It is important that the contract clearly state the parties’ intentions.

Bonus: Use a Legal AI Tool

Use authorDOCS, our AI-powered contract management software, to boost your confidence when reviewing your contract. Click on the defined terms or cross references in your agreement to pull out their meaning in the side bar of Word — allowing you to read your contract alongside the extra details. This helps you understand the contract better and alleviates eye strain!


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McCarthyFinch logo

Privacy Policy

Updated: December 2019

Privacy policy – commitment to your privacy

The Effective Date of this Privacy Policy is 16.12.2019. This version of the policy replaces and supersedes any prior privacy policies and is meant to apply to United States Users.

Summary and contact information

MEGV, LP and its affiliated entity, MF USA Inc. (d/b/a McCarthyFinch) (referred to as “Company,” “we,” “our,” or “us”), recognize the importance of protecting the privacy of personally identifiable information (“PII”) collected about our customers and prospective customers (referred to as “Customers,” “Users,” “you” or “your”). We are committed to ensuring that your privacy is protected. It is our intention to give you as much control as possible over your privacy in regard to your PII and the use we make of it. This Privacy Policy describes how we handle information we learn about you from your use of our website located at https://www.mccarthyfinch.com/ (referred to as “Website” or our “Site”) and from your use of our products/services. If you have questions about this policy or wish to contact us, we can be reached via any of the following:

1209 Orange Street, Wilmington, County of New Castle, 19801
Phone: +1 415 800 4091
Email: support@mccarthyfinch.com

Collection and use of information

Unless agreed otherwise, Company is the sole owner of the information we collect on our Site or through your use of our products/services. The information we collect depends on what you do when you visit or utilize the Site, and on what you do when you access or use our products/services.

Voluntary Submissions

We collect PII from Users in a number of different ways, including without limitation, in the ways set forth below:

  1. We may ask you to provide certain PII including your name and contact details (including your email address, phone number and/or address) when you register to use or access our products/services.
  2. In connection with your use of our products/services, you may also provide us with PII relating to third parties (e.g. personal information of your clients or employees). Before providing us with any third party PII you must ensure you have their prior permission to the collection, use, storage, disclosure, and retention of their PII in accordance with this Privacy Policy.
  3. When you use our Site we may collect information that is sent to us by your computer, mobile device or other access device. The information that is sent to us may include your computer IP address, referral URL, geolocation and data about the webpages that you access.

Please note that we do not collect PII about you unless you choose to provide such PII to us by creating an account, visiting our Site, subscribing to our services, using our products/services, and/or contacting us regarding the Site or our products/services. If at any time you do provide us with such PII, we will collect it.

Analytical Information and Anonymized Data

For each User, we may automatically gather certain information and store it in log files. This information includes the following: web beacons, embedded web links, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, data related to your use of our products/services, and/or clickstream data.

We may collect and store this information on an individual basis and in aggregate, or combined, form. We may also collect both User-specific and aggregate information on what pages Users access or visit. We use this information to analyze trends, to administer the Site or our product/services, to track Users’ movements around the Site, and to gather demographic information about our user base as a whole. We also use this information to improve the content of our web pages and our product/services, and to customize the content and layout of our web pages. All of this is done with the intention of making our Site more useful to Users.

We may use one or more third-party tracking services to track anonymized and/or non-personally identifiable information in the aggregate about Users. These third-party services may use JavaScript, pixels, transparent GIF files, and other means to enable us to learn which advertisements bring Users to our Site. Any information we track in this manner is anonymous, limited to usage and volume statistics, and is used to provide insight into the effectiveness of our online marketing initiatives and strategies. We also reserve the right to provide anonymized data to third parties for the purpose of evaluating the performance of the Company products or services, or as part of a sales transaction.

Except as described in this Privacy Policy, we do not divulge any information about an individual User to a third party unless it is in connection with Company products/services.

Cookies

We may use both session cookies and persistent cookies on the Site. A cookie is a small text file that is stored on a User’s computer for record-keeping purposes. We may link the information we store in cookies to your PII in order to provide a faster and more pleasant online experience. You can refuse cookies by turning them off in your browser. You do not need to have cookies turned on to use the Site. If you reject cookies, you may still visit our Site, but your ability to use some areas of the Site will be limited.

We may use session cookies to make it easier for you to navigate the Site. In particular we use session cookies to record session information, such as which web pages a User has visited, and to track User activity on the Site. We also use session cookies to store any passwords used on the Site (such as a password associated with a User account), so you do not have to enter it more than once per session. Session cookies expire when you close your browser.

We may use persistent cookies to track and target the interests of our Users to enhance the experience on our Site. Persistent cookies remain on your device for an extended period of time. You can remove persistent cookies by following directions provided in your browser’s “help” file.

Use of PII by Company

We will use your PII in connection with the purpose for which you provided it, in accordance with your specific instructions or consent, or in accordance with this Privacy Policy, including without limitation for the following purposes: (a) to provide you with our products/services; (b) to assist in the development, training and application of artificial intelligence; (c) to communicate with you (for example to provide customer support or to ask you for feedback about our products/services); (d) to facilitate your use of our Website and products/services; (e) to provide you with demonstrations of our products/services as requested by you; (f) to improve our products/services and conduct market and business analysis; (g) to comply with any legal obligations; and (h) subject to you providing your consent.

Company may also use your PII to send you information on products, services, and special offers and promotions in which you might have an interest. From time to time, we may also use your information to contact you for market research purposes. The means by which Company will use to contact you with this information will depend on the type of PII you have provided. For example, if you provide us with your email address, you may receive periodic promotional emails from us.

If you do not wish to receive special offers and other promotional information from us, you may opt out of receiving such communications, as discussed below.

Sharing Your PII

As a general rule, Company will not disclose any of your PII except to our affiliated companies except when we have your permission or under special circumstances or under the circumstances described below.

We may disclose any collected information, including PII, if: (1) the disclosure is necessary or useful to our provision of services; (2) we believe in good faith that disclosure is necessary to protect our rights, interests, or property; (3) we are acting in good faith to protect your safety or the safety of others, to investigate fraud, or to respond to a government request; (4) we believe in good faith the disclosure is required by law, such as to comply with a subpoena, search warrant, court order, or similar legal or administrative process; and (5) a third party purchases or otherwise acquires us or the Site, in which case your information will likely be among the assets transferred.

The Site may offer opportunities to request additional information from sponsors or partners of Company. By requesting more information, you give Company permission to transfer your PII to the sponsor or partner so they can fulfill your request. In many instances, only your e-mail address will be shared.

We do not rent or sell email addresses to third parties, or otherwise share any non-anonymized personally-identifying information we collect, with any third parties (other than our affiliated entities) except as set forth above.

If we do share PII with an entity working on our behalf, we will employ commercially-appropriate procedures to help ensure that the disclosed PII is used only for authorized purposes by authorized persons, and that safeguards are in place to help maintain the security, integrity, and privacy of the PII.

Information access

Upon request we provide Users with access to their own contact PII (e.g., name, address, e-mail address, phone number) that we maintain about them. You can access this PII by sending your request to: support@mccarthyfinch.com. To help us process your request, please provide sufficient information to allow us to identify you in our records.

We reserve the right to ask for information verifying your identity prior to disclosing any information to you. Should we ask for verification, the information you provide to verify your identify will be used only for that purpose, and all copies of this information in our possession will be destroyed when the process is complete.

We also offer Users the opportunity to have inaccuracies corrected in all information we maintain about them. To begin the process, email: support@mccarthyfinch.com. Please provide sufficient information to allow us to identify you in our records and help us process your request.

Your ability to control your pii

If you do not wish to receive promotional emails from us, please let us know by using the opt-out response device that can be found at the bottom of every email we deliver or by emailing us at support@mccarthyfinch.com. To help us process your request, please include sufficient information for us to identify you in our records (your email address will suffice). Please allow a reasonable time for us to process your request.

If you do not wish for us to share your PII with any third parties working on our behalf to serve our Customers, please let us know by sending your request to support@mccarthyfinch.com. To help us process your request, please provide sufficient information to allow us to identify you in our records. Please allow a reasonable time for us to process your request. Please note that exercising these opt-out rights may limit your ability to receive the full range of Company’s products and services, or prevent the products and/or services from functioning.

Please note that, although you can opt not to receive promotional messages, we reserve the right to send you informational email messages about any administrative notices regarding the Site and our products/services, as permitted under the CAN-SPAM Act (15 U.S.C. §7701 et seq.).

If you are a resident of certain jurisdictions, you may also have the right to opt-out of any current or futures sale of your PII. To exercise this right in accordance with applicable law, please contact us at the following email address: support@mccarthyfinch.com and write “Opt Out of the Sale of Personal Information” for the subject of your message. We reserve the right to ask for information verifying your identity and residency prior to disclosing any information to you or acting on your request. Should we ask for verification, the information you provide to verify your identity and residency will be used only for that purpose, and all copies of this information in our possession will be destroyed when the process is complete.

Security

The security of your PII is important to us. We follow generally accepted industry standards and have put in place suitable physical, electronic, and administrative procedures to protect the PII submitted to us, both during transmission and once we receive it, and to guard that PII against loss, misuse or alteration.

Please note, however, that no method of transmission over the internet, or method of electronic storage, is 100% secure. Therefore, while we use commercially-reasonable means to protect your PII, we cannot guarantee its absolute security.

Children

Company does not offer its services or promote its Site to, nor does it intentionally collect or retain PII from, children who are younger than 18 years of age. Site Users are cautioned, however, that the collection of PII submitted in an e-mail, electronically or through the Site will be treated as though it was submitted by an adult, and may, unless exempted from access by Federal or State law, be subject to public access. If you believe your child may have submitted PII to Company without indicating their actual age and would like it removed, please contact us at support@mccarthyfinch.com and we will delete it immediately.

California privacy rights

If you are a California resident, you may have certain rights and privileges under California State law, including without limitation the California Consumer Privacy Act (“CCPA”). To the extent that the CPPA applies, you can exercise any of the following rights by notifying us as described below:

  • Disclosure Request. Upon request and when possible, we will disclose the categories and specific pieces of personal information we have collected about you. Additionally, you may also obtain the categories of personal information about you that we have sold, the categories of third parties to whom the information was sold, and the categories of personal information that we disclosed about you for a business purpose. You may submit these requests via email to support@mccarthyfinch.com; by calling +1 415 800 4091; or by visiting https://www.mccarthyfinch.com/contact/contact. When such a request cannot be honored, we will advise you accordingly.
  • Deletion. If you should wish to cease use of our Site and have your personal data deleted from our Site, then you may submit a request by emailing us at support@mccarthyfinch.com; by calling +1 415 800 4091; or by visiting https://www.mccarthyfinch.com/contact/contact. Upon receipt of a verifiable request for deletion, we will confirm receipt and will confirm once your personal data has been deleted. To exercise this right via email, simply type the words “Personal Data Deletion” in the subject line of your email.
  • Right to Sue for Security Breaches. You also have the right to sue in the event your nonencrypted or nonredacted personal information, is subject to an unauthorized access and exfiltration, theft, or disclosure as a result of the our violation of the duty to implement and maintain reasonable security procedures and practices. Prior to exercising this right, you must provide us with 30 days’ written notice by emailing us at support@mccarthyfinch.com and providing us with an opportunity fix this violation.

We reserve the right to ask for information verifying your identity and residency prior to disclosing any information to you or acting on your request. Should we ask for verification, the information you provide to verify your identity and residency will be used only for that purpose, and all copies of this information in our possession will be destroyed when the process is complete. We strive to respond to your request within 45 days of receiving a verifiable consumer request however, we reserve the right to respond within 90 days when reasonably necessary.

We will not disclose or share your PII with third parties for the purposes of third party marketing to you without your prior consent.

Except as described in this Privacy Policy, we will not share your information with third parties without your notice and consent, unless it is under one of the following circumstances:

  • Responding to duly authorized information requests from law enforcement or other governmental authorities.
  • Complying with any law, regulations, subpoena, or court order.
  • Investigating and helping prevent security threats, fraud, or other malicious activity.
  • Enforcing or protecting the rights and properties of the Company or its subsidiaries.
  • Protecting the rights or personal safety of the Company’s employees.

There are circumstances where the Company may decide to buy, sell, or reorganize its business in selected countries. Under these circumstances, it may be necessary to share or receive PII with prospective or actual partners or affiliates. In such circumstances, the Company will ensure your information is used in accordance with this Privacy Policy.

Under California’s “Shine the Light” law, California residents who provide PII in obtaining products or services for personal, family or household use are entitled to request and obtain from us, once per calendar year, information about the Customer PII we shared, if any, with other businesses for their own direct marketing uses. If applicable, this information would include the categories of Customer PII and the names and addresses of those businesses with which we shared Customer PII for the immediately prior calendar year (e.g. requests made in 2019 will receive information regarding 2018 sharing activities). To obtain this information from us, please contact us at the following email address: support@mccarthyfinch.com and write “Request for California Privacy PII” for the subject of your message. We will send you a reply e–mail within 30 days containing the requested information once we confirm your request. Not all information sharing is covered by the “Shine the Light” requirements and only that information which is covered will be included in our response.

Do not track disclosures

Some web browsers may transmit “do-not-track” signals to websites with which the browser communicates. Our Site does not currently respond to these “do-not-track” signals.

International transfer

Your information, including PII, may be transferred to and maintained on computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.

If you are located outside the United States and choose to provide information to us, please note we may transfer your information, including PII, to the United States or other jurisdictions and process it there. Your submission of information to us represents your consent to that transfer. Please note the EU has not adopted an adequacy decision with respect to data transfers to the United States, nor are we a participant in the EU-US Privacy Shield; however, we value your privacy and protect your data using reasonable information security practices.

Third party sites

This Privacy Policy applies only to information collected by Company through internal channels controlled by Company such us our Site.

From time to time, the Site may link you to other sites or applications (“Linked Sites”) that are not owned by Company. We do not control the collection or use of any information, including PII, which occurs during your visit to the Linked Sites. Further, we make no representations about the privacy policies or practices of the Linked Sites, and Company is not responsible for the privacy practices of these Linked Sites.

Be careful of disclosing any of your PII when leaving our Site. We encourage you to be aware when you leave our Site and to read the privacy statements of each and every website that collects PII.

Changes to this policy

From time to time, we may use your PII for new, unanticipated uses not previously disclosed in our privacy notice. If our information practices change materially at some time in the future, we will post the policy changes to our Site. If we have collected PII from you, we will notify you about the changes prior to making use of your information in new ways and will provide you with a reasonable opportunity to opt out of the new procedures before they are implemented. We will also honor opt out requests made following implementation of the new procedures, as discussed above.

Questions/concerns

If you believe that we are not following our stated information policy, you may contact us at the above address.

Consent

By using our Site or our products/services, or by otherwise communicating with us online, you consent to our collection and use of this information by Company. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it. By continuing to use our Site or our products/services after such changes, you consent to the changes in the Privacy Policy.

This privacy policy governs the use of personal information by MEGV LP (trading as McCarthyFinch) (referred to in this Privacy Policy as “McCarthyFinch”).

Your privacy rights
  1. McCarthyFinch will comply with its obligations under the Privacy Act 1993 when dealing with your personal information (or the personal information of others that you may provide to us when accessing and using our products/services). Any personal information you provide to us will be stored, used and disclosed by McCarthyFinch in accordance with this Privacy Policy.
  2. This Privacy Policy should be read in conjunction with any applicable terms and conditions relating to the use of and access to our products/services.
  3. If you have any questions regarding this Privacy Policy or wish to access or amend the personal information that we hold about you please contact us at contact@mccarthyfinch.com.
Acceptance of this privacy policy
  1. You accept this Privacy Policy, and consent to the collection, use, disclosure, storage and retention of personal information as described in this Privacy Policy when you access or use our website, products/services, or otherwise provide us with any personal information.
  2. We may amend and update this Privacy Policy from time to time by posting a revised version on our website. Any amendments will be effective immediately from the date they are posted, unless any amendments are substantial, in which case we will provide you with 14 days’ notice by posting a notice of the intended change on our website. If you do not agree to any change to our Privacy Policy you must immediately cease using or accessing our website and products/services.
How we collect information about you
  1. Your personal information will be collected and held by McCarthyFinch.
  2. We may ask you to provide certain personal information including your name and contact details (including your email address, phone number and/or address) when you register to use or access our products/services.
  3. In connection with your use of our products/services, you may also provide us with personal information relating to third parties (e.g. personal information of your clients or employees). Before providing us with any third party personal information you must ensure you have their prior permission to the collection, use, storage, disclosure, and retention of their personal information in accordance with this Privacy Policy.
  4. When you use our website we may collect information that is sent to us by your computer, mobile device or other access device. The information that is sent to us may include your computer IP address, referral URL, geo-location and data about the webpages that you access.
How we use and disclose information that we collect about you
  1. We will only use and disclose your personal information in accordance with your specific instructions or consent, or in accordance with this Privacy Policy, including for the following purposes: (a) to provide you with our products/services; (b) to assist in the development, training and application of artificial intelligence; (c) to communicate with you (for example to provide customer support or to ask you for feedback about our products/services); (d) to facilitate your use of our website and products/services; (e) to provide you with demonstrations of our products/services as requested by you; (f) to improve our products/services and conduct market and business analysis; (g) to comply with any legal obligations or otherwise as may be permitted by the Privacy Act 1993; and (h) subject to you providing your consent (in accordance with the Unsolicited Electronic Messages Act 2007) sending you electronic messages to promote and market our products/services.
Who we may disclose your personal information to
  1. We may disclose your personal information to: (a) our related companies in connection with the purposes set out in this Privacy Policy; (b) any other service providers that we have engaged to provide a service to us in relation to the website or our products/services. For example, we may share personal information with a service provider we have engaged to provide us with customer support services or IT services; (c) any other person or organisation that you have authorised us to disclose your information to; and/or (d) any other third party where such disclosure is permitted under the Privacy Act 1993.
Payment card details
  1. We do not collect or store any payment card details. Where we offer an online payment processing service through our website, we use a Payment Card Industry Data Security Standard compliant hosted payment service to process any payment card transactions. Your payment card details will only be collected and held securely by that third party payment processor.
Access, correction and retention of your personal information
  1. You agree that any information you give to us will be accurate, correct and up to date, and that when acting on behalf of a business or another person, you are authorised to give such information to us. Where you provide us with any personal information of a third party, you confirm that you have the necessary authorisations and consent to disclose that personal information to us for the purposes set out in this Privacy Policy.
  2. You must inform us if any of your personal information changes, to ensure that the details we hold about you are up to date and correct.
  3. You are entitled to access the personal information we hold about you, and to request that we amend it if it is incorrect.
  4. We will retain your personal information for as long as it is required to achieve the purposes set out in this Privacy Policy.
Security of information
  1. Although we take reasonable steps to ensure personal information in our possession is protected and held securely, we do not make any warranties in relation to the security of any information you disclose or transmit to us and we are not responsible for the theft, destruction, or inadvertent disclosure of your personal information where our security measures have been breached.
Application of European Union data protection regulations
  1. To the extent that you are a European Union data subject for the purposes of the General Data Protection Regulation (“GDPR”) and/or you provide us with personal information relating to a European Union data subject in connection with the use of our products/services, we will comply with our obligations under the GDPR in respect of the collection, use and processing of that personal information.
Cookies
  1. Like many other websites on the internet, we use cookies to store and track information about you when you are on our website for the purposes of: (a) providing more customised content and material to you on our website; and (b) business and marketing analysis.
Links to other sites
  1. We may have links or references to other websites from our website and our Privacy Policy does not apply to those websites. We take no responsibility for the content or privacy practices of other websites.
How to contact us
  1. If you have any queries or concerns about our Privacy Policy or our handling of your personal information please contact us at McCarthyFinch, Level 2, 12 Madden Street, Auckland, 1010, New Zealand or by emailing us at contact@mccarthyfinch.com.

McCarthyFinch website terms of use.

This website (Site) is owned by MEGV LP (2662411) trading as McCarthyFinch (referred to on this Site as McCarthyFinch, we, our or us). Your use of the Site is governed by these website terms of use (Terms).

By accessing, registering an account or using this Site you agree to be bound by these Terms (as amended from time to time).

These Terms govern your use of the Site and access to the Service. These Terms are effective from August 2019.

Using the site

You may not:

(a) use the Site for any illegal activity, for any activity that would cause us to breach any law or infringe the rights (including the intellectual property rights) of any other person;

(b) use the Site for any activity that is inappropriate, including any use that is obscene, offensive or abusive; or

(c) create a link to the Site from any other website, without obtaining our prior written consent.

Privacy policy

Our Privacy Policy applies to any personal information that we collect, use, hold or disclose in relation to this Site and your use of this Site. In using the Site your information will be collected, used, held and disclosed in accordance with this policy.

Updates

We reserve the right to amend both these Terms of Use and the purpose of the Site at any time.

Information on this site

Although we try to keep the content on this Site up to date, we do not make any warranty that the content, information or material available on this Site will be accurate, reliable or complete. To the fullest extent permitted by law, McCarthyFinch, its officers, directors and related companies accept no liability in relation to any errors, omissions, misstatements or inaccuracies that appear on this Site. We may modify, add or delete information displayed on this Site at any time without notice to you.

Limitation of liability

This Site will not necessarily operate on a continuous basis, and may be unavailable from time to time (including for maintenance). We may restrict or prevent your use or access to this Site at any time.

When you use the Site, to the fullest extent permitted by law, we will not be liable or responsible for:

(a) any loss, expense, damage, loss of profit, inconvenience, business interruption and/or loss or corruption of data suffered by you and arising out of or in connection with your use of this Site or the Services; and

(b) any loss or damage caused by spyware, viruses, worms or other items of a destructive nature that may be transmitted to your computer by your use of this Site.

(c) No third party is entitled to the benefit of, or to enforce, these Terms.

Intellectual property

Except as set out in these Terms, nothing in these Terms gives you any right, title or interest in any content on this Site, including in any copyright in any correspondence from you through the Site. You grant us a non-exclusive, irrevocable, transferrable, sub-licensable right to use any content you submit to the Site for the operation of the Site and developing legal services powered by artificial intelligence.

Re-posting or publishing content

You may not reproduce, adapt, copy, distribute or incorporate in any other work, any information, advice, content or material from this Site, without obtaining the prior written permission from us.

Third party websites

This Site may contain links to third party websites or content. We are not responsible for and do not control third party websites or content. We do not endorse, approve or make any warranties in relation to any third party website (or the information or material that is available on that website).

Complaints & enquiries

All complaints and enquiries should be directed to contact@mccarthyfinch.com in the first instance.

Governing law

These Terms are governed by New Zealand law.