Terms of Use

1. Acceptance of Terms

By accessing or using FraudInsurance.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 the Website. These Terms apply to all visitors, users, and others who access the Website.

2. Nature of Service

FraudInsurance.co.nz is an information and referral service only. The Website provides general information about personal fraud protection and business fraud insurance in New Zealand, and connects users with licensed insurance advisers and brokers. We do not underwrite insurance, bind coverage, issue policies, or act as an insurance intermediary.

For personal fraud protection, the Website provides direct links to banks, government agencies, and support services. We have no commercial relationship with these organisations unless otherwise stated.

3. No Financial Advice

Nothing on this Website constitutes “regulated financial advice” as defined under the Financial Markets Conduct Act 2013 (FMCA). The information provided is general in nature and has not been prepared taking into account your specific financial situation, objectives, or insurance needs.

Before making any decision about insurance products, you should seek advice from a licensed financial adviser who can assess your individual circumstances. The advisers and brokers we refer you to are licensed under the FMCA and can provide personalised financial advice.

4. Accuracy of Information

We take reasonable care to ensure the accuracy of information on this Website, but insurance products, pricing, terms, policy wordings, and provider details change regularly. We make no warranty — express or implied — as to the completeness, accuracy, or currency of any information on the Website. Always verify current details directly with the relevant licensed broker or insurer before making any decisions.

5. Referral Arrangements

FraudInsurance.co.nz may receive referral fees or commissions from licensed insurance brokers when users of this Website proceed to obtain insurance through those brokers. This arrangement does not increase the cost of insurance to you. Brokers are separately remunerated by commission from the insurer, which is a standard practice in the New Zealand insurance industry.

6. Third-Party Brokers and Advisers

When you are referred to a licensed broker or adviser, you enter into a direct relationship with that professional. FraudInsurance.co.nz is not party to that relationship and accepts no responsibility for the advice, products, or services provided by referred professionals. All referred brokers and advisers are independently licensed under New Zealand law.

7. External Links

The Website contains links to third-party websites including insurance providers, government agencies (such as Netsafe, CERT NZ, and the FMA), and banking institutions. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

8. Intellectual Property

All content on this Website — including text, graphics, logos, and page layouts — is owned by or licensed to FraudInsurance.co.nz and is protected by New Zealand and international copyright law. You may not reproduce, distribute, or commercially exploit any content without our express written permission.

9. Limitation of Liability

To the maximum extent permitted by New Zealand law, FraudInsurance.co.nz and its operators exclude all liability for any loss or damage — including direct, indirect, incidental, or consequential loss — arising from your use of this Website, reliance on information contained on it, or your dealings with any referred broker or adviser.

10. Changes to These Terms

We may update these Terms of Use from time to time. Changes will be effective when posted on this page with an updated date. Your continued use of the Website after any changes constitutes your acceptance of the revised Terms.

11. Governing Law

These Terms of Use are governed by the laws of New Zealand. Any disputes arising in connection with these Terms or your use of the Website are subject to the exclusive jurisdiction of the New Zealand courts.

12. Contact

Questions or concerns about these Terms of Use should be directed to hello@cover4you.co.nz.