Terms of Service

Introduction and Acceptance

These Terms of Service ("Terms") govern your use of the BuildingsInsurance.co.nz website and services ("Services"). By accessing and using our website, you accept and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you are not authorized to use our Services.

BuildingsInsurance.co.nz reserves the right to modify these Terms at any time. Changes are effective immediately upon posting to the website. Your continued use of our Services constitutes your acceptance of the modified Terms.

1. Services Provided

BuildingsInsurance.co.nz provides a comparison and information service for buildings insurance products and services available in New Zealand. Our Services are designed to help you:

• Compare buildings insurance quotes from multiple insurers
• Access educational information about insurance coverage
• Receive personalized recommendations based on your needs
• Obtain free quotes without obligation

Important Disclaimer: We provide a comparison and information service only. We do not provide personalized financial or insurance advice. We recommend that you seek independent professional advice before making any insurance decisions. Any recommendations or suggestions we provide are based solely on the information you provide and are not tailored to your specific circumstances.

2. Eligibility

You must be at least 18 years of age to use our Services. By using our Services, you represent and warrant that:

• You are at least 18 years of age
• You have the authority to enter into these Terms
• All information you provide is accurate, complete, and truthful
• You will comply with all applicable laws and regulations
• You have authority over the property you are seeking insurance for

3. User Responsibilities

You are responsible for:

• Maintaining the confidentiality of your account information
• Providing accurate and complete information
• Reviewing all quotes and policy documents carefully
• Verifying information before making insurance decisions
• Complying with all applicable laws and regulations
• Not engaging in fraudulent or illegal activities

4. Intellectual Property Rights

All content on our website, including text, graphics, logos, images, and software, is the property of BuildingsInsurance.co.nz or our content suppliers and is protected by international copyright laws.

You are granted a limited, non-exclusive, non-transferable license to view and print pages from our website for personal, non-commercial use only. You may not:

• Reproduce, distribute, or transmit content without permission
• Modify or create derivative works based on our content
• Use content for commercial purposes
• Remove copyright or proprietary notices
• Use automated tools to collect or scrape our website

5. Quote Accuracy and Limitations

Quotes provided through our Services are estimates based on the information you provide and are not binding offers of insurance. Please note:

• Quotes are estimates and may differ from final premiums
• Insurers may adjust quotes based on additional information or verification
• Coverage terms and conditions are determined by the insurance provider
• You must review policy documents before purchasing
• We are not responsible for discrepancies between quotes and final policies

6. Third-Party Relationships

Our Services connect you with insurance providers and other third-party service providers. We are not responsible for:

• The accuracy of information provided by third parties
• The quality of products or services provided by third parties
• Any disputes between you and third-party providers
• Third-party website content or practices
• Terms and conditions of third-party services

We are not an agent, representative, or employee of any insurance provider. Our relationship with insurers is limited to facilitating quote comparisons.

7. Warranty Disclaimer

Disclaimer of Warranties: Our Services are provided on an "as-is" and "as-available" basis without warranties of any kind, either express or implied. We disclaim all warranties, including:

• Merchantability
• Fitness for a particular purpose
• Non-infringement of third-party rights
• Accuracy, completeness, or reliability of content
• Uninterrupted or error-free operation

We do not warrant that our Services will be uninterrupted, timely, secure, or error-free, or that any defects will be corrected.

8. Limitation of Liability

To the maximum extent permitted by law, BuildingsInsurance.co.nz shall not be liable for:

• Direct, indirect, incidental, special, or consequential damages
• Loss of profits, revenue, or business opportunities
• Loss of data or information
• Interruption of business
• Any damages arising from your use or inability to use our Services

This limitation applies even if we have been advised of the possibility of such damages.

9. Indemnification

You agree to indemnify, defend, and hold harmless BuildingsInsurance.co.nz and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from:

• Your use of our Services
• Your violation of these Terms
• Your violation of any law or third-party rights
• Any content or information you provide
• Your actions or conduct while using our Services

10. Prohibited Activities

You agree not to engage in any of the following prohibited activities:

• Providing false or misleading information
• Attempting to gain unauthorized access to our systems
• Interfering with or disrupting our Services
• Using automated tools to scrape or collect data
• Engaging in fraudulent or illegal activities
• Harassing, threatening, or abusing others
• Posting offensive or defamatory content
• Violating intellectual property rights
• Circumventing security measures

11. Termination of Service

We reserve the right to terminate or suspend your access to our Services immediately, without notice, if we determine that you have violated these Terms or engaged in prohibited activities. Upon termination, you must cease all use of our Services.

12. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of New Zealand, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts of New Zealand.

13. Dispute Resolution

Any dispute arising out of or relating to these Terms shall first be addressed through good faith negotiation between the parties. If negotiation fails, disputes shall be submitted to mediation before pursuing litigation.

14. Compliance with Laws

Our Services comply with applicable New Zealand regulations, including:

• Privacy Act 2020
• Insurance Council of New Zealand Guidelines
• Financial Markets Authority Requirements
• Insurance Intermediaries Act 2011
• Consumer Guarantees Act 1993

If you have concerns about our compliance or services, you may contact the Insurance and Financial Services Ombudsman (IFSO) at www.ifso.nz.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, such provision shall be severed, and the remaining provisions shall continue in full force and effect to the maximum extent permitted by law.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and BuildingsInsurance.co.nz regarding your use of our Services and supersede all prior agreements and understandings.

17. Contact Information

If you have questions, concerns, or requests regarding these Terms, please contact us: