Terms of Service

1. Agreement to Terms

By accessing and using LifeInsurer.co.nz ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. These Terms of Service ("Terms") govern your use of our website and services.

If you do not agree to abide by the above, please do not use this service.

2. Service Description

LifeInsurer.co.nz is a life insurance comparison service that:

• Provides information about life insurance products
• Connects users with licensed insurance brokers and providers
• Offers educational content about life insurance
• Facilitates quote comparisons from multiple insurers

This site is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider authorised by the Financial Markets Authority. Evolve Group Limited (trading as Evolve) handles all enquiries submitted through this site and provides personalised financial advice through its licensed advisers.

Evolve Group Limited works with the following personal insurance providers: Partners Life, AIA, Fidelity Life, Asteron, and Nib Medical.

3. User Responsibilities

Accurate Information

You agree to provide accurate, current, and complete information when using our services. Inaccurate information may result in inappropriate quotes or coverage recommendations.

Lawful Use

You agree to use our service only for lawful purposes and in accordance with these Terms. You may not:

• Use the service for any unlawful purpose
• Transmit any harmful or malicious code
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of the service
• Violate any applicable local, state, or international law

4. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

By using our service, you consent to the collection, use, and sharing of your information as described in our Privacy Policy.

5. Third-Party Services and Broker Relationships

This site is operated by Evolve Group Limited (FSP711891), which connects you with insurance providers including Partners Life, AIA, Fidelity Life, Asteron, and Nib Medical. The site operator is not responsible for:

• The terms, conditions, and coverage details of insurance policies issued by providers
• Claims processing, policy administration, or customer service by insurance providers
• The financial stability or solvency of insurance providers

Commission Disclosure: Evolve Group Limited may receive commission from insurance providers when you purchase a policy. For personal insurance, commissions range from 0% to 220% of the first year's premium, with an ongoing servicing commission of 0% to 30%. Evolve does not receive any volume or sales target-based payments from insurance providers. These commissions do not affect the price you pay for insurance. Evolve provides all recommendations in writing.

Dispute Resolution: If you have a complaint about the service provided by Evolve Group Limited that cannot be resolved directly, you may contact Financial Services Complaints Limited (FSCL) at www.fscl.org.nz, phone 0800 347 257, or email info@fscl.org.nz. FSCL is located at Level 4, 101 Lambton Quay, Wellington 6011.

6. Disclaimers and Limitations

No Warranty

The service is provided "as is" without any warranty of any kind. We disclaim all warranties, express or implied, including but not limited to warranties of merchantability and fitness for a particular purpose.

Limitation of Liability

In no event shall LifeInsurer.co.nz be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use, arising out of or in connection with the use of our service.

7. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of LifeInsurer.co.nz or its licensors and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works of any content without our express written permission.

8. Termination

We may terminate or suspend your access to our service immediately, without prior notice or liability, for any reason, including if you breach these Terms.

Upon termination, your right to use the service will cease immediately.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of New Zealand. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of New Zealand.

10. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect.

Your continued use of the service after any changes constitute acceptance of the new Terms.

11. Contact Information

If you have any questions about these Terms of Service, please contact us:

12. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect.