Terms of Use

Introduction

Welcome to Health Insurance Comparison NZ. By accessing or using our website (healthinsurancecomparison.co.nz), you agree to these Terms of Use. If you do not agree with any part of these terms, please do not use our service.

We may update these Terms of Use at any time. The latest version will always be available on this page.

What We Do

Health Insurance Comparison NZ is a free comparison platform that helps users find and compare health insurance options. We are not an insurance company, licensed financial adviser, or insurance broker under the Insurance (Prudential Supervision) Act 2010 or Financial Markets Conduct Act 2013.

We connect users with licensed third-party providers and brokers who are registered on New Zealand's Financial Service Providers Register (FSP). All quotes are supplied directly by licensed providers, and we may earn a referral commission if you proceed with their services.

By using our service, you understand that we operate as an intermediary platform and are not responsible for the insurance products, terms, or services provided by third parties.

No Financial Advice

The content on this website is for general informational purposes only and does not constitute personalized financial advice under the Financial Advisers Act 2008 or Financial Markets Conduct Act 2013. We do not provide regulated financial advice or recommendations.

Any information provided should not be relied upon as a substitute for independent professional advice. You should consider seeking advice from a licensed financial adviser (FAP licensed) or insurance adviser before making any insurance decisions.

We make no representations about the suitability of any insurance product for your individual circumstances.

Use of the Service

By using this website, you agree that:

• All information you provide is accurate and up to date
• You are at least 18 years old
• You understand your data may be shared with relevant providers or brokers to deliver the quote service
• You will not use this site for unlawful purposes or interfere with its operation

Third-Party Provider Relationships

We work with licensed New Zealand health insurance providers and financial service providers who are registered on the FSP Register and comply with relevant legislation including the Insurance (Prudential Supervision) Act 2010 and Financial Markets Conduct Act 2013.

We do not guarantee the accuracy, availability, or suitability of any quote, product, or service provided by third parties. Any contractual relationship is solely between you and the relevant licensed provider.

We are not responsible for:

• The terms, conditions, pricing, or availability of insurance products
• The conduct, performance, or solvency of insurance providers
• Claims handling, disputes, or customer service issues with providers
• Changes to products or pricing after quotes are provided

Privacy

We take your privacy seriously. By using our service, you agree to our Privacy Policy, which outlines how your data is collected, shared, and protected.

Limitation of Liability

To the fullest extent permitted by New Zealand law, including the Consumer Guarantees Act 1993 and Fair Trading Act 1986, Health Insurance Comparison NZ, its owners, employees, and affiliates limit liability for:

• Any loss or damage resulting from use of this site or reliance on its content
• Any issues, disputes, or claims with third-party providers
• Website interruptions, errors, or technical problems
• Inaccuracy, incompleteness, or currency of information
• Loss of profits, data, or other consequential damages

Nothing in these terms excludes or limits liability for:

• Death or personal injury caused by negligence
• Fraudulent misrepresentation
• Breaches that cannot be excluded under New Zealand law

Where liability cannot be excluded, it is limited to the maximum extent permitted by law.

Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of New Zealand. Any disputes will be subject to the exclusive jurisdiction of the New Zealand courts.

For consumer-related disputes, you may also have rights under the Consumer Guarantees Act 1993 and can contact:

• Commerce Commission (Fair Trading Act matters)
• Financial Markets Authority (licensed provider issues)
• Insurance & Financial Services Ombudsman (provider disputes)

Contact

If you have any questions about these Terms of Use, please contact us at: