Terms and Conditions

1. Acceptance of Terms

By accessing and using the Cover4You website and services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Use License

Permission is granted to temporarily download one copy of the materials (information or software) on Cover4You's website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials
• Use the materials for any commercial purpose or for any public display
• Attempt to decompile or reverse engineer any software
• Remove any copyright or other proprietary notations from the materials
• Transfer the materials to another person or "mirror" the materials on any other server

3. Disclaimer

The materials on Cover4You's website are provided on an 'as is' basis. Cover4You makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

4. Limitations

In no event shall Cover4You or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Cover4You's website, even if Cover4You or an authorized representative has been notified orally or in writing of the possibility of such damage.

5. Accuracy of Materials

The materials appearing on Cover4You's website could include technical, typographical, or photographic errors. Cover4You does not warrant that any of the materials on its website are accurate, complete, or current. Cover4You may make changes to the materials contained on its website at any time without notice.

6. Insurance Information Disclaimer

The information provided on our website is for general informational purposes only and should not be construed as professional insurance advice. Cover4You is not an insurance broker or agent. We provide a comparison service to help you find and compare insurance options.

For specific insurance advice tailored to your circumstances, we recommend consulting with a qualified insurance broker or the insurance providers directly. The quotes provided are from third-party insurance providers and are subject to their terms and conditions.

7. Quote Accuracy and Validity

Quotes provided by insurers through our platform are based on the information you provide. The accuracy and final premium of any quote is the responsibility of the insurance provider. Quotes may be subject to:

• Verification and underwriting by the insurer
• Additional information requests
• Changes based on further assessment
• Expiration dates (typically 30 days)

Cover4You is not responsible for quote accuracy, changes to quotes, or the terms and conditions of insurance policies provided by third-party insurers.

8. User Representations

By using Cover4You, you represent and warrant that all information you provide is accurate, complete, and truthful. You agree not to:

• Provide false or misleading information
• Use the service for fraudulent purposes
• Attempt to gain unauthorized access to our systems
• Interfere with the operation of our website or services
• Violate any applicable laws or regulations

9. User Conduct

You agree that your use of Cover4You will be governed by all applicable laws and regulations. You agree not to transmit through the website any unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, pornographic, profane, or otherwise objectionable material of any kind.

10. Third-Party Insurance Providers

Cover4You is a comparison service that partners with insurance providers. Each insurance provider is responsible for their own services, terms, and conditions. Cover4You does not:

• Guarantee the financial stability of insurance providers
• Provide insurance directly (insurance is provided by third-party insurers)
• Regulate or control insurance providers
• Accept liability for insurance provider actions or omissions

When you select an insurance quote, you agree to review and accept the insurance provider's terms and conditions. Cover4You merely facilitates the connection between you and insurance providers.

11. Limitation of Liability

To the fullest extent permitted by law, Cover4You shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or use, even if advised of the possibility of such damages.

12. Indemnification

You agree to indemnify, defend, and hold harmless Cover4You, its officers, directors, employees, and agents from any and all claims, damages, losses, costs, or expenses (including attorney's fees) arising from:

• Your use of the website or services
• Your violation of these terms
• Your violation of any third-party rights
• Any false or misleading information you provide

13. Modifications to Terms

Cover4You reserves the right to modify these terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of the service following any modifications constitutes your acceptance of the new terms.

14. Intellectual Property

All content on Cover4You's website, including text, graphics, logos, and software, is the property of Cover4You or its content suppliers and is protected by international copyright laws. You may not reproduce, distribute, or transmit content without our written permission.

15. Links to Third-Party Websites

Cover4You's website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of these external sites. Your use of third-party websites is governed by their terms and conditions.

16. Interruption of Service

Cover4You does not guarantee uninterrupted or error-free service. We may suspend or discontinue service at any time for maintenance or any other reason. We are not liable for any disruptions or unavailability of our services.

17. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of New Zealand, and you irrevocably submit to the exclusive jurisdiction of the courts located in New Zealand.

18. Contact for Legal Notices

For any legal notices or inquiries, please contact:

19. Severability

If any provision of these terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.

20. Entire Agreement

These terms and conditions, together with our Privacy Policy, constitute the entire agreement between you and Cover4You regarding the use of our services and supersede all prior negotiations, representations, or agreements.