Terms of Service

1. Acceptance of Terms

By accessing and using Car Insurance Comparison NZ ("the Service"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.

These terms apply to all users of the Service, including visitors who browse the site and users who submit information to request insurance quotes.

2. Description of Service

Car Insurance Comparison NZ is a comparison service that connects users with insurance providers in New Zealand. We provide:

• A platform to compare car insurance quotes from multiple providers
• Information and resources about car insurance options in New Zealand
• Tools to help you understand different types of coverage
• Connection to insurance providers who may offer you quotes

We are a comparison service only. We do not provide insurance coverage ourselves, and we are not an insurance provider. Any insurance policy you purchase will be directly between you and the insurance provider.

3. Use of Service

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Provide false or misleading information when requesting quotes
• Use the Service for any fraudulent purpose
• Attempt to gain unauthorized access to any part of the Service
• Interfere with or disrupt the Service or servers
• Use automated systems or software to extract data from the Service
• Violate any applicable laws or regulations

4. Information Accuracy

You are responsible for ensuring that all information you provide through the Service is accurate, complete, and up-to-date. Inaccurate information may result in:

• Incorrect insurance quotes
• Invalid insurance policies
• Denied claims by insurance providers
• Potential legal consequences

Insurance providers rely on the accuracy of your information to assess risk and provide appropriate coverage. Providing false information to obtain insurance may constitute fraud.

5. Quotes and Pricing

Quotes displayed through our Service are estimates provided by insurance companies based on the information you supply. These quotes:

• Are not guaranteed and may change
• May vary based on additional information requested by insurers
• Are subject to the insurer's underwriting and acceptance criteria
• May not include all available discounts or promotions
• Do not constitute a binding offer or contract

Final pricing and policy terms are determined solely by the insurance provider when you complete an application with them.

6. No Guarantee of Coverage

Using our Service does not guarantee that you will:

• Receive quotes from all insurance providers
• Be approved for insurance coverage
• Receive the lowest available rate
• Qualify for all types of coverage

Insurance providers make their own underwriting decisions based on their criteria, risk assessment, and business policies.

7. Third-Party Services

Our Service connects you with third-party insurance providers. When you click through to an insurance provider's website or purchase a policy:

• You will be subject to that provider's terms and conditions
• You will be subject to that provider's privacy policy
• We are not responsible for the provider's actions or policies
• Any disputes should be resolved directly with the provider

We do not control and are not responsible for the content, policies, or practices of third-party insurance providers.

8. Intellectual Property

All content on the Service, including text, graphics, logos, images, and software, is the property of Car Insurance Comparison NZ or its content suppliers and is protected by New Zealand and international copyright laws.

You may not reproduce, distribute, modify, or create derivative works from any content on the Service without our express written permission.

9. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that:

• The Service will be uninterrupted or error-free
• Defects will be corrected
• The Service is free of viruses or harmful components
• Information provided is complete, accurate, or current
• Results from using the Service will meet your requirements

10. Limitation of Liability

To the maximum extent permitted by New Zealand law, Car Insurance Comparison NZ and its affiliates, officers, employees, and agents shall not be liable for:

• Any indirect, incidental, special, or consequential damages
• Loss of profits, revenue, data, or use
• Damages resulting from use or inability to use the Service
• Damages arising from reliance on information provided through the Service
• Actions or omissions of third-party insurance providers

This limitation applies whether the alleged liability is based on contract, tort, negligence, or any other basis.

11. Indemnification

You agree to indemnify and hold harmless Car Insurance Comparison NZ and its affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the Service, your violation of these Terms, or your violation of any rights of another party.

12. Privacy

Your use of the Service is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

13. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Service. Your continued use of the Service after changes are posted constitutes your acceptance of the revised Terms.

We encourage you to review these Terms periodically. The "Last updated" date at the top of this page indicates when these Terms were last revised.

14. Termination

We reserve the right to terminate or suspend your access to the Service at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason.

15. Governing Law

These Terms are governed by and construed in accordance with the laws of New Zealand. Any disputes arising from these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts of New Zealand.

16. Consumer Guarantees Act

Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy conferred on you by the Consumer Guarantees Act 1993 or any other applicable New Zealand consumer protection law that cannot be excluded, restricted, or modified by agreement.

17. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

18. Contact Information

If you have questions about these Terms of Service, please contact us through our Contact page.