Terms & Conditions

1. Acceptance of Terms

By accessing and using the PublicLiabilityInsurance.co.nz website (the "Website"), you agree to be bound by these Terms & Conditions. If you do not agree to these terms, please do not use this website. We reserve the right to modify these terms at any time without notice. Your continued use of the Website constitutes your acceptance of any changes.

2. About PublicLiabilityInsurance.co.nz

PublicLiabilityInsurance.co.nz is operated by Cover4You Ltd, a licensed insurance broker registered with the Financial Markets Authority (FMA) in New Zealand. We are not insurance providers ourselves but facilitate connections between customers and licensed insurance companies.

3. Not Personal Financial Advice

IMPORTANT DISCLAIMER: The information provided on this Website is general in nature and does not constitute personal financial or insurance advice. It is not tailored to your specific circumstances, needs, or financial situation.

Before making any insurance decisions, you should:

• Consult with a licensed financial advisor or insurance broker
• Carefully review all policy documents and conditions
• Ensure you understand the full scope of coverage and exclusions
• Verify that the insurance product meets your specific business requirements

We recommend seeking professional advice to ensure your insurance coverage is appropriate for your business.

4. Quotes Are Indicative Only

All insurance quotes provided through this Website are indicative only and are not binding offers. Quotes:

• Are based on information you provide and may be subject to verification
• Are valid for a limited period only (typically 30 days)
• May change based on updated or corrected information
• Are subject to the insurer's final underwriting assessment
• Do not constitute insurance coverage until a formal policy is issued by the insurer

5. Use of the Website

By using this Website, you agree to:

• Provide accurate, complete, and truthful information
• Not use the Website for unlawful purposes or in violation of any laws
• Not attempt to gain unauthorized access to the Website or its systems
• Not engage in any activity that could damage, disable, or impair the Website
• Not use automated tools (bots, scrapers) to extract data from the Website
• Respect intellectual property rights and not reproduce content without permission

6. FMA Compliance

Cover4You Ltd operates under the Financial Markets Conduct Act 2013 and is registered with the Financial Markets Authority (FMA). All insurance advice and quote services comply with FMA regulations and our Financial Service Provider (FSP) registration requirements.

We maintain professional indemnity insurance and adhere to the FMA's conduct standards for licensed insurance brokers. You can verify our registration on the FMA website.

7. Data Accuracy and Verification

While we strive for accuracy, we cannot guarantee that all information on this Website is current or error-free. Insurance products, pricing, and terms may change. We recommend:

• Verifying information with insurance providers directly
• Checking policy documents for the most current terms and conditions
• Contacting us if you identify any inaccuracies

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW: We are not liable for any direct, indirect, incidental, special, or consequential damages resulting from:

• Your use or inability to use this Website
• Any information, quotes, or content provided
• Loss of profits, business opportunity, or anticipated savings
• Errors, omissions, or inaccuracies in information
• Third-party services or insurance products

Our total liability to you is limited to the amount paid by you to us (if any) for services provided through this Website, or NZD $100, whichever is greater.

9. Third-Party Links and Content

This Website may contain links to third-party websites and services. We do not:

• Endorse or control the content of external websites
• Assume responsibility for third-party services or content
• Verify the accuracy of third-party information

Your use of third-party websites is governed by their terms and conditions, not ours.

10. Insurance Disclaimer

IMPORTANT: Public liability insurance is a legal contract between you and an insurance company. Our role is to facilitate the quote and application process. We are not party to the insurance contract, and we cannot:

• Guarantee approval of insurance applications
• Guarantee coverage or claim acceptance
• Modify insurance policy terms or conditions
• Process insurance claims on your behalf

All insurance claims and disputes must be resolved directly with the insurance company.

11. Right to Refuse Service

We reserve the right to refuse service, decline to provide a quote, or terminate your use of the Website at our discretion and without notice if we believe you:

• Have violated these Terms & Conditions
• Have provided false or misleading information
• Present an unacceptable risk or compliance concern

12. Intellectual Property Rights

All content on this Website, including text, graphics, logos, images, and software, is owned by or licensed to Cover4You Ltd. You may not:

• Reproduce, distribute, or transmit content without permission
• Modify, adapt, or create derivative works
• Remove copyright notices or attribution
• Use content for commercial purposes

You are granted a limited license to view and use content for personal, non-commercial purposes only.

13. Governing Law and Jurisdiction

These Terms & Conditions are governed by the laws of New Zealand and shall be interpreted in accordance with New Zealand law. Any disputes arising from your use of this Website shall be resolved under:

• The jurisdiction of the New Zealand courts
• The District Courts Act 1974 and related legislation
• The Financial Markets Conduct Act 2013 for FMA-related matters

You agree to submit to the exclusive jurisdiction of the New Zealand courts.

14. Complaints and Disputes

If you have a complaint about our services, we encourage you to contact us:

Email: complaints@publicliabilityinsurance.co.nz
Phone: 0800 000 000

If your complaint is not resolved to your satisfaction, you can lodge a complaint with the Financial Markets Authority or pursue dispute resolution through our complaints procedure.

15. No Warranty

This Website is provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that:

• The Website will be uninterrupted or error-free
• Information will be accurate or current
• Defects will be corrected
• The Website is free of viruses or harmful components

16. Severability

If any provision of these Terms & Conditions is found to be invalid or unenforceable, such provision shall be severed, and the remaining provisions shall continue in full force and effect.

17. Entire Agreement

These Terms & Conditions, together with our Privacy Policy, constitute the entire agreement between you and PublicLiabilityInsurance.co.nz regarding your use of this Website. They supersede all prior and contemporaneous agreements, representations, and understandings.

18. Contact Information

For questions or clarification regarding these Terms & Conditions, please contact:

PublicLiabilityInsurance.co.nz
Trading as Cover4You Ltd
Email: info@publicliabilityinsurance.co.nz
Phone: 0800 000 000