RaboDirect is a division of Rabobank New Zealand Limited (“we”/”our”). Our ultimate parent company is Coöperatieve Centrale Raiffeisen-Boerenleenbank B.A. (incorporated in the Netherlands).

Intellectual property

All intellectual property rights related to the form and content of the CommonCents website, including the information, brand names/trademarks, logos and images on it, belong to one or more of the Rabobank Group companies and/or to third parties who have granted a right of use or other right to those companies. Access to the website does not constitute the transfer of any intellectual property rights to you. You are prohibited from copying or using any or all of this website, except in order to use our products and services or other products and services expressly available by means of such copying or use.


We, and all others involved in this site, are not liable for any loss or damage suffered arising from accessing or using this site, or otherwise in connection with this site.

Changes to CommonCents website

The contents of this website, including these legal disclosures, are subject to change by us without prior notification and may at times be out-of-date. We have no responsibility for keeping the information in this website up-to-date or any liability for failing to do so.


Any products and services mentioned on this site are only available in New Zealand. This site is not to be construed as an offer or advertisement under the laws of any other country. The legality of accessing and using this site outside New Zealand is the responsibility of the user. Unless otherwise stated, all references to dollars are to New Zealand dollars. This site is governed by New Zealand law and all users irrevocably submit to the exclusive jurisdiction of the Courts of New Zealand.

CommonSense Information is informative only

We make various information available on or through the CommonCents website (“CommonCents Information”). CommonCents Information obtained is purely informative and is not intended to be relied on. CommonCents Information is not financial advice, or any other type of advice.

CommonSense Information generally

We are not responsible for any losses you suffer as a result of acting on CommonCents Information. You are responsible for any such losses. You may only use CommonCents Information for your own purposes. You may not pass on, duplicate, process or disseminate CommonCents Information. You must follow our instructions on using CommonCents Information.

Some CommonCents Information comes from third parties. This includes CommonCents Information available using CommonCents website hyperlinks to other websites. We are not responsible for third party CommonCents Information, nor are we liable for any loss or damage arising from third party CommonCents Information.

No responsibility or liability for linked sites

Any sites linked to this site are provided for ease of reference only and are not to be taken as a referral or endorsement by us of those linked sites. We accept no responsibility or liability for those sites. Accessing an external website from the CommonCents website is at your own risk. Using an external website and information downloaded from it may cause loss, including loss of data and computer virus infection. You are subject to the terms and conditions of any external website you enter. Nor are we responsible or liable for websites that provide hyperlinks to the CommonCents website or for the content of such websites.