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

We are not an insurance company and do not underwrite, issue, or sell insurance policies directly. We connect you with licensed insurance brokers, including Evolve Group Limited (FSP711891), who are registered on New Zealand's Financial Service Providers Register and authorized to provide insurance advice and quotes.

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

Our service connects you with third-party insurance brokers and providers, including Evolve Group Limited (FSP711891) and other licensed entities registered on the Financial Service Providers Register. We are not responsible for:

• The accuracy or completeness of quotes provided by brokers or insurers
• The terms, conditions, and coverage details of insurance policies
• Claims processing, policy administration, or customer service
• The financial stability or solvency of insurance providers
• Advice, recommendations, or services provided by brokers
• Disputes between you and any broker or insurer

Broker Disclosure: Our broker partners, including Evolve Group Limited, are independent licensed entities that may earn commissions from insurers when you purchase a policy through them. These commissions do not affect the price you pay for insurance. All brokers we work with are required to act in accordance with New Zealand financial services regulations and maintain appropriate professional indemnity insurance.

Partner Network: We may change our partner network from time to time to ensure we provide the best possible service. All partners must be licensed and meet our quality standards. You will always be informed which broker is contacting you.

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.