Website terms and conditions


Use of this site is provided by TEAR Fund New Zealand subject to the following Terms and Conditions:
  1. Your use constitutes acceptance of these terms and conditions as at the date of your first use of the site.
  2. TEAR Fund New Zealand reserves the rights to change these terms and conditions at any time by posting changes online. Your continued use of this site after changes are posted constitutes your acceptance of this agreement as modified.
  3. You agree to use this site only for lawful purposes, and in a manner which does not infringe the rights, or restrict, or inhibit the use and enjoyment of the site by any third party.
  4. This site and the information, names, images, pictures, logos regarding or relating to TEAR Fund New Zealand are provided "as is" without any representation or endorsement made and without warranty of any kind whether express or implied. In no event will TEAR Fund New Zealand be liable for any damages including, without limitation, indirect or consequential damages, or any damages whatsoever arising from the use or in connection with such use or loss of use of the site, whether in contract or in negligence.
  5. TEAR Fund New Zealand does not warrant that the functions contained in the material contained in this site will be uninterrupted or error free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or bugs or represents the full functionality, accuracy and reliability of the materials.
  6. Copyright restrictions:
    Commercial use or publication of all or any item displayed is strictly prohibited without prior authorisation from TEAR Fund New Zealand. Nothing contained herein shall be construed as conferring any licence by TEAR Fund New Zealand to use any item displayed.
    Documents may be copied for personal use only on the condition that copyright and source indications are also copied, no modifications are made and the document is copied entirely. However, some documents and photos have been published on this site with the permission of the relevant copyright owners (who are not TEAR Fund New Zealand). All rights are reserved on these documents and permission to copy them must be requested from the copyright owners (the sources are indicated within these documents/photographs).
  7. TEAR Fund New Zealand takes no responsibility for the content of external Internet sites. Other websites that we link to are owned and operated by third parties and TEAR Fund has no control over them. The fact that we include links to other websites does not mean that TEAR Fund approves of or endorses any other third party website or the content of that website. We accept no liability for any statements, information, products or services that are published on or are accessible through any websites owned or operated by third parties.
  8. Any communication or material that you transmit to, or post on, any public area of the site including any data, questions, comments, suggestions, or the like, is, and will be treated as, nonconfidential and nonproprietary information.
  9. If there is any conflict between these terms and conditions and rules and/or specific terms of use appearing on this site relating to specific material then the latter shall prevail.
  10. These terms and conditions shall be governed and construed in accordance with the laws of New Zealand. Any disputes shall be subject to the exclusive jurisdiction of the New Zealand courts.
  11. If these terms and conditions are not accepted in full, the use of this site must be terminated immediately.

TEAR Fund is a registered charitable entity in terms of the Charities Act 2005 (CC21725). TEAR Fund is listed with The New Zealand Charities Commission, under its legal name: The Evangelical Alliance Relief Fund.

The Charities Commission, Komihana Kaupapa Atawhai, is responsible for registering and monitoring charitable organisations in New Zealand, as well as providing support and education to the charitable sector on good governance and management.

For more information about TEAR Fund as a charitable entity, visit the Charities Register at www.charities.govt.nz

Financial Accountability

Financial accountability is of the utmost importance to us. Our goal is to maintain a low-cost administration regime so as to maximise the funds allocated to project partners. All our projects and country offices are subject to internal and external audits, to ensure money is being used efficiently and with integrity. Copies of our financial statements are available on request.

Income tax

All contributions of $5 or more to TEAR Fund are tax deductible. Receipts should be retained for tax purposes. Receipts for payments will be made annually, in April of each year, to minimise administration and postage costs.

How is my money used?

TEAR Fund is an independent New Zealand organisation; we pay no unnecessary expenses to an overseas head office. We only work with indigenous churches and Christian partners operating in the field, further reducing costs.

Projects must benefit the poorest and must also deal with underlying causes, not just symptoms. There has to be a true partnership with the local community, giving women the opportunity to fully participate in design and implementation. Ongoing training is provided, which further benefits the community. All projects must be well managed, sustainable, and ecologically sound. There is total accountability for money entrusted.


TEAR Fund's Overheads

On average, 75% of money contributed to TEAR Fund is used in the field. The money used in New Zealand finances project selection and evaluation, education, administration and overheads.

When considering overheads, the important question is this: What impact does my donation make? If money is sent overseas to a partner with poor systems - weak project planning and high administrative costs - no matter how low the overhead in New Zealand, impact and real poverty reduction will be minimal. The supporter may feel low overheads show effectiveness - when the contrary may be true. On the other hand, take Microenterprise - the initial overhead may be higher, however the establishment of revolving credit has an ongoing economic value - funds are loaned and re-loaned. Which is the better criterion for judging effective use of your gift? Overheads or impact?

Importantly, some expenses here in New Zealand have a direct bearing on project success overseas – for example the administration of New Zealand government grants. Another factor making overhead comparisons difficult is New Zealand has no one accounting standard for overseas aid and development agencies.

Audited accounts can vary remarkably in what is designated as an overseas grant or an overhead. Our overhead ratio means that we are appropriately but not extravagantly resourced to grow and expand in New Zealand, ensuring excellence in project support. This also guarantees experienced management while developing quality partnerships with high field impact Impact or overheads? The balance between them is what is important.


Overheads examined

The most frequently asked question of aid agencies is this: How much money goes overseas?

However, this is not the right question to ask. The important question is this: "What impact does my donation make?"

Lets break this down further. If money is sent overseas to a partner with poor systems, weak project planning and high administrative gearing, no matter how low the overhead in New Zealand, impact and real poverty reduction will be minimal.

The supporter may feel low overheads show effectiveness when the contrary may be true. On the other hand, the Microenterprise initial overhead may be higher, however the establishment of revolving credit has an ongoing economic value - funds are loaned and re-loaned. Which is the better criterion for judging effective use of your gift? Overheads or impact?

Importantly, some expenses here in New Zealand have a direct bearing on project success overseas for example the administration of New Zealand government grants VASS and disaster relief. Another factor making overhead comparisons difficult is New Zealand has no one accounting standard for overseas aid and development agencies. Audited accounts can vary remarkably in what is designated as an overseas grant or an overhead.

Our overhead ratio means that we are appropriately but not extravagantly resourced to grow and expand in New Zealand, ensuring excellence in project support. This also guarantees experienced management while developing quality partnerships with high field impact

Impact or overheads? The balance between them is what is important.