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Website Terms and Conditions
Your use of the WBS website indicates your acceptance of the terms and conditions outlined in this document.
myWBS Terms and Conditions
These myWBS Terms and Conditions apply to the WBS customer portal, myWBS, and operate in conjunction with the normal terms and conditions associated with your WBS account or accounts.
Product Disclosure Statement
Our Product Disclosure Statement provides you with essential information to help you decide whether you would like to invest.
WBS Annual Report
WBS has been supporting the Wairarapa region by providing options for investors who want to obtain a great return and support home owners and business. Download our latest Annual Report to learn more.
WBS Credit Rating Report
A credit rating is an independent opinion of the capability and willingness of an entity to repay its debts (in other words, its credit worthiness). A credit rating should be considered alongside all other relevant information when making an investment decision.
WBS recognises the importance of protecting your privacy. When dealing with personal information, we comply with the Privacy Act 2020. Personal information is information about an identifiable individual (a natural person). In our situation, identifiable individuals are likely to be our clients, potential clients and visitors to our website/s. This policy does not limit or exclude any of your rights under the Act. If you wish to seek further information on the Act, see www.privacy.org.nz
WBS Debt Security Trust Deed
The society, the Guaranteeing Subsidiaries and the Supervisor (the latter as Trustee) are parties to a Debt Security trust Deed dated 28 November 2003 (as amended and supplements to date, the “Original Trust Deed”).
The Financial Markets Conduct Act 2013 (the “FMC Act”) and the Financial Markets Conduct Regulations 2014 made under it (the ‘Regulations”) require the Original Trust Deed to specify certain matters. Download to learn more.
As a member based organisation, you set the rules. Download here to find out what they currently are.
Early Repayment of Term Investments
Term Investments are ordinarily repayable at the end of the agreed term, but here at WBS we understand that sometimes unexpected costs can arise and you may need access to your funds before maturity. We may agree to repay your Term Investment earlier than the agreed maturity date if your situation meets our criteria.
Dispute Resolution Process
WBS understands that occasionally misunderstandings, mistakes and disagreements occur. We therefore have a process for dealing with such circumstances.
In the first instance, any one of our staff can help to resolve a problem. Should a staff member not be able to help you come to a satisfactory resolution, then you can ask for the Operations Manager to assist and review your case.
If you are still not satisfied after dealing with the Operations Manager then your query can be escalated by writing to the Chief Executive Officer.
As a Financial Service Provider, WBS is a member of an Approved Dispute Resolution scheme – The Insurance and Financial Services Ombudsman (ISFO).
If the WBS internal process has been unable to bring about a satisfactory resolution then you can contact the Insurance & Financial Services Ombudsman through the following link: www.ifso.nz/complaints
If you are looking for our financial documents, please click here.