Terms of Service

1. Our Service

InsureNZ is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. The site provides general information and comparison tools to help New Zealand consumers compare insurance products. Personalised financial advice is provided by Evolve Group Limited's licensed advisers. Evolve is not an insurance company but works with licensed insurance providers on your behalf.

2. Eligibility

To use our service, you must:

• Be at least 18 years old or have parental consent
• Be a New Zealand resident or have insurable interest in New Zealand
• Provide accurate and truthful information
• Have legal capacity to enter into insurance contracts

3. How Our Service Works

When you request quotes through our platform:

• We collect information about your insurance needs
• We match you with relevant insurance providers
• Providers contact you directly with quotes and offers
• Any insurance purchase is directly between you and the insurer

4. Quote Accuracy

While we strive for accuracy, quotes are estimates based on the information provided. Final premiums and terms are determined by individual insurers and may vary from initial quotes based on additional underwriting requirements.

5. Your Responsibilities

You agree to:

• Provide accurate and complete information
• Review all insurance terms and conditions before purchasing
• Keep your contact information up to date
• Use our service only for legitimate insurance comparison purposes
• Not attempt to manipulate or abuse our systems

6. Our Revenue Model

Evolve Group Limited receives commission payments from insurance providers when customers purchase policies. This does not affect the price you pay for insurance. We are transparent about our commercial relationships.

For full commission disclosure details, please see our Disclaimer page.

7. Limitation of Liability

InsureNZ provides an information service only. We are not responsible for: insurance policy terms, claims handling, premium payments, or disputes with insurers. Our liability is limited to the maximum extent permitted by law.

8. Privacy and Data

Your use of our service is subject to our Privacy Policy. By agreeing to these terms, you consent to our collection and use of your information as described in our Privacy Policy.

9. Intellectual Property

All content, trademarks, and intellectual property on our platform belong to InsureNZ or our licensors. You may not reproduce, distribute, or create derivative works without permission.

10. Termination

We may terminate or suspend access to our service at our discretion, particularly if these terms are violated. You may stop using our service at any time.

11. Dispute Resolution

These terms are governed by New Zealand law. Evolve Group Limited is a member of Financial Services Complaints Limited (FSCL), which provides free, independent dispute resolution.

12. Changes to Terms

We may update these terms periodically. Significant changes will be communicated via email or website notice. Continued use of our service indicates acceptance of updated terms.