Last updated: 16 September 2026
These Terms of Use apply to cifiu.gov.ck, the website of the Cook Islands Financial Intelligence Unit (“CIFIU”, “we”, “us” or “our”).
By using this website, you agree to these terms. If you do not agree, please discontinue use of the website.
Purpose of this website
This website provides information about CIFIU, financial crime prevention, scam awareness, reporting requirements, and related laws and guidance.
Website content is provided for general information. It is not legal, financial or other professional advice and should not be relied upon as a substitute for advice relevant to your circumstances.
Accuracy and availability
We take reasonable care to keep information accurate and current. However, we do not guarantee that all content is complete, up to date or free from errors.
Content may be updated or removed without notice. Website access may also be interrupted by maintenance, technical issues or circumstances beyond our control.
Please contact us if you identify an error or need clarification about information published on this website.
Laws and regulatory guidance
Summaries, guidance and explanatory materials on this website are intended to assist understanding. They do not replace applicable legislation or legally binding requirements.
Where website content differs from applicable legislation, the legislation prevails.
Using this website does not change or remove any reporting, compliance or other obligation imposed by law.
Reporting and submissions
When submitting an enquiry, report or document, please provide information that is accurate and complete to the best of your knowledge. Clearly distinguish facts from suspicions or opinions.
Do not knowingly submit false or misleading information, impersonate another person, or upload material that you are not lawfully entitled to provide.
Reporting entities must use CIFIU’s designated channels and follow applicable requirements for statutory reports. A general website form or email does not necessarily satisfy those requirements.
Sending information through this website does not guarantee that an investigation will be opened, that funds will be recovered, or that updates will be provided. CIFIU may be unable to discuss action taken in response to a report.
Urgent matters and sensitive information
This website is not an emergency service. Do not assume that website submissions will be reviewed immediately.
If you believe money has been stolen or banking information compromised, contact your bank or payment provider promptly. Contact the Cook Islands Police where appropriate.
Do not submit passwords, PINs or one-time security codes. Contact CIFIU before sending particularly sensitive documents to confirm the appropriate submission method.
Acceptable use
You must use this website lawfully and in a way that does not interfere with its operation or other people’s access.
You must not:
- Attempt to gain unauthorised access to the website, accounts, servers or connected systems.
- Upload malicious software or harmful files.
- Disrupt, overload or damage the website.
- Use forms or contact facilities to send spam, threats or abusive material.
- Attempt to obtain confidential information without authorisation.
- Misrepresent your identity, authority or association with CIFIU.
We may restrict access or take other appropriate action in response to misuse, including referring suspected unlawful activity to the relevant authorities.
Privacy and confidentiality
Our Privacy Policy explains how personal information connected with this website is handled.
Information submitted to CIFIU is subject to applicable legal requirements, including requirements relating to confidentiality and authorised disclosure. These terms do not create a promise of absolute confidentiality or anonymity.
Copyright and use of materials
Content on this website may be owned by CIFIU or used with permission from other rights holders. Third-party materials may be subject to separate conditions.
You may link to our publicly available pages, provided you do not misrepresent their content or imply CIFIU’s endorsement.
Reproduction, adaptation or distribution of website materials must be permitted by applicable law, an express licence or the relevant rights holder. Contact us if you are unsure whether permission is required.
You must not use CIFIU’s name, logo or branding in a way that falsely suggests approval, endorsement or affiliation.
External links
This website may link to websites, resources or services operated by third parties. Links are provided for convenience and information.
Unless expressly stated, a link does not constitute endorsement. We do not control external websites and are not responsible for their content, availability, security or privacy practices.
Limitation of liability
To the extent permitted by applicable law, CIFIU is not liable for loss or damage arising from reliance on website content, interruptions to website access, or use of linked third-party websites.
Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limited.
Changes to these terms
We may update these Terms of Use to reflect changes to our website, services or legal responsibilities. The current version will be published on this page with an updated date.
Applicable law
These Terms of Use are governed by the laws of the Cook Islands. They do not override any applicable statutory requirement or legal right.
Contact us
For questions about these Terms of Use or information published on this website, contact:
Cook Islands Financial Intelligence Unit
Email: [email protected]
Telephone: (+682) 29182
Address: Ground floor, Financial Supervisory Commission, Bermuda House, Tutakimoa Road, Avarua, Rarotonga, Cook Islands
Postal address: PO Box 594, Rarotonga, Cook Islands
Office hours: Monday to Friday, 8.00am–4.00pm, excluding public holidays.
Website: cifiu.gov.ck