Terms and Conditions

easi-own card app terms and conditions

By downloading and/or using the App, You confirm that You agree to these terms and conditions and to Thorn's Privacy Policy. If You do not agree, do not download and/or use the App.


1. You are responsible for ensuring the security of the personal information held on your computer, mobile or other device.

2. Where You are issued login credentials by Thorn, You must ensure that they remain confidential to you and must take all reasonable steps to prevent them from being disclosed.

Your obligations in relation to the App

3. You must not:

3.1 Use the App in a manner that breaches any laws or regulations, infringes third party rights or is contrary to any relevant standards or codes.

3.2 solicit login information or access an account belonging to someone else.

3.3 collect other users' content or information, or otherwise access the App, using automated means (such as harvesting bots, robots, spiders, or scrapers).

3.4 Use the App in a manner that tampers with, hinders the operation of or makes any unauthorised modifications to, the App.

3.5 transmit any virus or other disabling feature that may damage the operation of the App.

Intellectual property

4. The Content of this App is the intellectual property of Thorn and all rights are reserved.

5. You acknowledge and agree that all trade marks, patents, copyright and other intellectual property rights in or relating to Content belong to and are property of Thorn and/or its affiliates or respective owners of such intellectual property rights as may be indicated by Thorn (Rights Owners) and You will not:

5.1 directly or indirectly make any claim in the rights in the intellectual property in any of the content;

5.2 Reproduce, copy, modify or otherwise redistribute the Content, without the prior written consent of Thorn; or

5.3 enable or facilitate any other person to do anything or deal with the Content in any way that infringes, impairs or otherwise diminishes the intellectual property rights of Thorn and/or the other Rights Owners.

6 The brand names, logos and related taglines appearing on this App are, or will be, trade marks of Thorn. The use or misuse of these trade marks or any other materials, except as permitted in these terms and conditions, is expressly prohibited.

Disclaimer and waiver

7. This App has been developed as a service of Thorn. Like any other service, and in spite of Thorn's reasonable efforts to keep the Content current, the Content may become out of date from time to time.

8. The Use of the App is at Your own risk. Thorn makes no representation:

8.1 about the accuracy, reliability, completeness or timelines of the Content;

8.2 that Your Use of the App will be uninterrupted or error-free; or

8.3 that the App is free of any virus or other harmful elements.

Exclusion of warranties and liability

To the extent permitted by law, and without limiting Your rights under the Consumer Guarantees Act 1993, Thorn excludes all:

9.1 warranties, conditions and representations whether express, implied, statutory or otherwise, relating in any way to the App, Your Use of the App and the information, products and services supplied, offered to be supplied or advertised or accessed through the App; and

9.2 liability (including for negligence) to You or anyone else in respect of any loss or damage (including special, indirect or consequential loss or damage), costs and expenses suffered by You or claims made against You arising from or in connection with any Use of the information, products or services supplied, offered to be supplied or advertised or accessed through this App for any reason whatsoever (including negligence).

Change of terms, termination and system availability

10. Thorn can change these terms and conditions at any time by updating this posting. The updated terms and conditions will take effect when they are posted on the App. By continuing to Use the App following such an update You agree to abide by any such revised terms. It is Your responsibility to check these terms and conditions regularly.

11. If, in Thorn's opinion, You fail to comply with any of these terms and conditions Thorn may terminate or limit Your access to the App.
12 Thorn's can suspend the operation of the App at any time if, in Thorn's opinion, some threat is posed to any system or part of any system or for the purposes of carrying out periodic maintenance and administration tasks.


13. Thorn's Privacy Policy forms part of these terms and conditions. All personal information is held in accordance with Thorn's Privacy Policy. Thorn's Privacy Policy can be found on its website and You will be taken to have accepted it when You accept these terms and conditions.

Governing Law

14. These terms and conditions are governed by the law of New Zealand. You submit to the exclusive jurisdiction of its courts and courts of appeal from them, however, Thorn shall be entitled to commence any action arising out of or in respect of the Your Use of the App.


App means Thorn’s easi-own card App.
Content means all information, text, material, graphics, or sound recording You access on or via the App, including but not limited to any account balances or finance options.
Thorn means Thorn Group Financial Services Limited t/a dtr, Company Number Number 916490 having its registered office at Building B, 8 Business Parade South, Highbrook, Auckland, New Zealand.
Thorn’s Privacy Policy means Thorn’s privacy policy as set out on its website.
Use means access, download, install, store, load, post, register, execute and/or display.
You means a person Using this App.