Terms of Use

1. Acceptance of Terms

By accessing or using homecontentsinsurance.co.nz (the "website"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this website.

2. Nature of the Service

HomeContentsInsurance.co.nz is a home contents insurance broker referral service. We connect consumers with NZ-licensed financial advisers. We do not:

• Provide insurance quotes directly
• Underwrite or issue insurance policies
• Make insurance recommendations
• Provide financial advice

Any quote or financial advice you receive will come from a separately licensed financial adviser or insurer. We are a referral service only.

3. Information on This Website

We endeavour to keep the information on this website accurate and up to date. However, we make no warranties or representations about:

• The completeness or accuracy of any information
• Its suitability for any particular purpose
• That it reflects current insurer products or policies

Insurance products, providers, pricing, and regulations change frequently. The information provided is for general guidance only. Always verify details directly with an adviser or insurer before making decisions.

4. Not Financial Advice

Nothing on this website constitutes financial advice within the meaning of the Financial Markets Conduct Act 2013. The information provided is general in nature and does not:

• Take account of your personal circumstances, goals, or needs
• Constitute a recommendation to buy or avoid any product
• Replace advice from a licensed financial adviser

Before making any insurance decision, you should obtain personalised financial advice from a NZ-licensed financial adviser who understands your situation.

5. Your Obligations

When using this website, you agree to:

• Provide accurate and truthful information in quote requests
• Comply with all applicable laws and regulations
• Not use the website for unlawful, fraudulent, or harmful purposes
• Not attempt to gain unauthorised access to the website or its systems

6. Referrals to Advisers

When you submit a quote request, we refer your details to NZ-licensed financial advisers. These advisers are separate entities and are responsible for:

• Contacting you about your quote request
• Providing insurance quotes and financial advice
• Compliance with the Financial Markets Conduct Act 2013
• Their own privacy and data handling practices

We do not control advisers' actions or representations. You are not obligated to engage with any adviser or purchase any product they offer.

7. No Guarantee of Service

We make no guarantee that advisers will contact you, that quotes will be provided, or that any particular outcome will result from using this service. While we aim to connect you with advisers, we cannot control their response times or decisions.

8. Limitation of Liability

To the maximum extent permitted by law, HomeContentsInsurance.co.nz and its operators, employees, and agents accept no liability for:

• Any loss or damage arising from use of this website
• Reliance on information provided on this website
• Loss resulting from failure to receive adviser contact
• Loss resulting from any adviser's actions or advice
• Indirect, consequential, or punitive damages

9. No Endorsement of Insurers

Listing an insurer or adviser on this website does not constitute an endorsement or recommendation. The presence of an insurer on this site does not mean we recommend their products.

10. Intellectual Property

All content on this website (including text, graphics, logos, and images) is the property of HomeContentsInsurance.co.nz or licensed content providers. You may not reproduce, modify, or distribute this content without permission.

11. Third-Party Links

This website may contain links to third-party websites (insurers, regulators, government agencies). We are not responsible for the content, accuracy, or practices of those websites. Use of third-party links is at your own risk and subject to their terms of use.

12. Changes to These Terms

We may update these Terms of Use at any time. Your continued use of the website after changes are posted constitutes your acceptance of the updated terms. We encourage you to review these terms periodically.

13. Governing Law

These terms are governed by the laws of New Zealand. Any legal disputes arising from use of this website are subject to the exclusive jurisdiction of the New Zealand courts.

14. Contact

For questions about these terms, contact us at hello@cover4you.co.nz.