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Terms and Conditions

Thank you for using our website (Site). The following terms govern your use of the Site.

1. How do I agree to your terms?

By using our Site you agree that our terms will apply and you agree to comply with those terms.

2. How can the terms be changed?

We can change the terms at any time by updating this posting. The revised terms will take effect when they are posted and your continued use of the Site means you agree to our revised terms.

3. How can I use the Site?

If you live in New Zealand or have insurable interests in New Zealand you can use this Site to obtain information on our insurance services. We are not responsible for use of the Site by anyone else or for any other purpose.

4. Who owns the content of this Site?

The Site contains intellectual property and other proprietary information. We and other third parties have intellectual property in everything that you hear, read, download or access on or via the Site (including messages, files, data, software, images, photographs and other materials). You are not permitted to do anything which breaches these intellectual property rights (like copying, modifying or reposting content) unless we allow you to.

5. What about links to other websites?

  • We have not reviewed all of the sites that may be linked to this Site. We are not responsible for the content or accuracy of any off-site page or other sites linked to this Site. Just because we include a link to another site does not mean we endorse it and you use the link at your own risk.
  • If you have a website and want to link to ours, please contact us for prior permission.

7. Cookies

We can use cookies on this website to help us remember information you enter.

8. Privacy is important to us

We are committed to protecting your privacy in accordance with the Privacy Act 1993. If you provide any information to us via the Site, such information will be held securely by us at [insert address]. If you are an individual, you can access and correct that information.

9. Things you must not do

  • You must not disrupt or interfere with the Site or servers or other software, hardware or equipment connected to or via the Site. You must not break any relevant law which applies to the use of the Site.
  • If you do any of these things or otherwise use the Site inappropriately or maliciously you will indemnify us for any loss we suffer in connection with what you have done.

10. Some important disclaimers

  • The information on this Site is general in nature. If you are using the Site to find out about our products you will also need to look at the specific policy wording or other terms which govern those products. This is because all information on this Site about a product is subject to its wordings or terms.
  • The Site may have some material which is not accurate or up to date in all respects. For this reason, we do not warrant the accuracy or completeness of the information and, to the extent we are able to by law, we do not accept any liability for any errors on this Site.
  • We will use reasonable endeavours to keep the Site free from viruses and from unauthorised access. However, we do not warrant that the Site will always operate uninterrupted or error-free.

11. Governing law and disputes

The Site is governed by New Zealand law. If we have any issues which need to be resolved by a Court, you agree to the non-exclusive jurisdiction of New Zealand Courts.