Terms of Service

1. Introduction

Welcome to Pet Insurance Comparison NZ. By accessing and using our website, you agree to be bound by these Terms of Service and our Privacy Policy.

2. Service Description

Pet Insurance Comparison NZ provides a comparison service for pet insurance products in New Zealand. We aim to help pet owners make informed decisions about pet insurance by comparing different providers and policies.

Important: Our service is informational only and does not constitute financial advice. We are not an insurance provider, broker, or financial adviser. We do not sell insurance products directly. We recommend you read the relevant Product Disclosure Statements (PDS) and consider seeking independent advice before purchasing any insurance product.

3. Affiliate Disclosure

Pet Insurance Comparison NZ may receive referral fees or commissions when you click on links to insurance providers and subsequently purchase a policy. This does not affect the price you pay for insurance. We strive to provide unbiased comparisons regardless of commercial relationships.

Our comparisons are based on publicly available information and may not include all providers or products available in the market. The order in which providers are displayed is not influenced by commercial arrangements unless specifically stated.

4. User Obligations

When using our service, you agree to:

• Provide accurate and truthful information
• Use the service for lawful purposes only
• Not attempt to manipulate or abuse the service
• Respect the intellectual property rights of the service
• Not use automated systems (bots, scrapers) to access the service without permission
• Not reproduce, copy, or redistribute our content without written consent

5. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of Pet Insurance Comparison NZ or its content suppliers and is protected by New Zealand and international copyright laws. You may not reproduce, modify, or distribute our content without prior written permission.

Provider logos and trademarks displayed on this website remain the property of their respective owners and are used for identification purposes only.

6. Privacy and Data Protection

We are committed to protecting your privacy and handling your personal information in accordance with New Zealand's Privacy Act 2020. Please refer to our Privacy Policy for detailed information about how we collect, use, and protect your data.

7. Accuracy of Information

While we strive to provide accurate and up-to-date information about pet insurance products, we cannot guarantee the accuracy, completeness, or timeliness of all information. Insurance products, pricing, and availability are subject to change by providers without notice.

Price ranges and coverage details shown are indicative only. Actual premiums depend on factors including your pet's breed, age, location, and health history. Always verify current pricing and terms directly with the insurance provider.

8. No Guarantee of Coverage

Using our comparison service does not guarantee that you will be offered insurance coverage. Insurance providers make their own underwriting decisions based on their criteria. Pre-existing conditions, breed restrictions, and age limits may apply.

9. Third-Party Links

Our website may contain links to third-party websites, including insurance provider sites. We are not responsible for the content, privacy policies, or practices of these third-party sites. We encourage you to read the terms and privacy policies of any third-party site you visit.

10. Limitation of Liability

To the fullest extent permitted by New Zealand law, Pet Insurance Comparison NZ shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of our service, including but not limited to:

• Decisions made based on information provided on this website
• Any loss arising from denied insurance claims
• Errors or omissions in the information provided
• Service interruptions or technical issues

11. Indemnification

You agree to indemnify and hold harmless Pet Insurance Comparison NZ, its officers, directors, and employees from any claims, damages, or expenses arising from your use of the service or violation of these terms.

12. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be posted on this page with an updated effective date. Continued use of the service after changes constitutes acceptance of the modified terms.

13. Contact Information

If you have questions about these terms, please contact us at support@petinsurancecomparison.co.nz

14. Governing Law and Jurisdiction

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.

15. Severability

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