Terms & Conditions

Last Updated: October 11, 2025

By accessing or using PrivateMedicalInsurance.co.nz ("the Website", "Service"), you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our Service.

Important Notice:

By using our Service, you acknowledge and agree that your personal information will be shared with third-party insurance brokers, insurance providers, and other partners. We reserve the right to add, remove, or change our partners at any time. Information displayed on our website may not be current at the time of reading, and insurance products, pricing, and terms are subject to change without notice.

1. Acceptance of Terms

By using PrivateMedicalInsurance.co.nz, you confirm that:

  • You are at least 18 years of age
  • You have the legal capacity to enter into binding contracts
  • You have read, understood, and agree to these Terms and our Privacy Policy
  • You consent to the sharing of your information with third parties as described herein

2. Service Description

2.1 Comparison Service

PrivateMedicalInsurance.co.nz operates as a health insurance comparison and lead generation service. We:

  • Provide comparison tools to help you evaluate health insurance options
  • Collect your information and preferences
  • Share your information with third-party insurance brokers and insurance providers
  • Facilitate connections between you and insurance professionals
  • Provide general information about health insurance products

2.2 Not an Insurance Provider

Important: We are NOT an insurance company, insurance broker, or licensed insurance adviser. We do not:

  • Sell, underwrite, or issue insurance policies
  • Provide personalized insurance advice or recommendations
  • Act as your agent or representative
  • Make decisions on behalf of insurance providers

2.3 Lead Generation and Referrals

By submitting your information through our Service, you expressly consent to:

  • Your details being shared with insurance brokers, insurance companies, and other partners
  • Being contacted by multiple third parties regarding insurance products and services
  • Your information being used by third parties for marketing purposes (subject to their privacy policies)
  • Receiving communications via email, phone, SMS, and other channels

3. Partner Network and Changes

Partner Changes:

We reserve the absolute right to add, remove, or change our partner insurance brokers, insurance providers, and other third-party partners at any time without prior notice or consent. Our current partner list is not exhaustive and may change at our sole discretion. You acknowledge that the specific third parties who receive your information may differ from those listed on our website at the time you submit your details.

4. Information Accuracy and Currency

4.1 No Guarantee of Current Information

The information displayed on our website, including but not limited to:

  • Insurance product details, features, and benefits
  • Pricing, premiums, and cost estimates
  • Provider information and availability
  • Coverage terms and conditions
  • Partner and broker listings

May not be current or accurate at the time of reading. Insurance products, terms, pricing, and availability are subject to change without notice. We make reasonable efforts to keep information updated but provide no guarantee of accuracy or currency.

4.2 Verification Responsibility

You must independently verify all information with insurance providers or licensed brokers before making any insurance decisions. Do not rely solely on information presented on our website.

5. User Obligations and Responsibilities

5.1 Accurate Information

You agree to:

  • Provide true, accurate, current, and complete information
  • Maintain and promptly update your information to keep it accurate
  • Not impersonate any person or entity
  • Not provide false or misleading health information

5.2 Prohibited Uses

You agree NOT to:

  • Use the Service for any unlawful purpose
  • Attempt to gain unauthorized access to our systems
  • Interfere with or disrupt the Service or servers
  • Use automated tools to access the Service without permission
  • Copy, reproduce, or scrape content from our website
  • Transmit viruses, malware, or harmful code

6. Disclaimers and Limitations of Liability

6.1 Service Provided "As Is"

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY OF INFORMATION.

6.2 No Liability for Third-Party Actions

We are NOT liable for:

  • The actions, products, services, or policies of insurance providers or brokers
  • Any insurance policy terms, conditions, exclusions, or limitations
  • Claims handling, payment disputes, or coverage decisions by insurers
  • The accuracy, completeness, or currency of information provided by third parties
  • Any loss, damage, or harm arising from your interactions with third parties
  • Failed transactions, declined applications, or policy cancellations

6.3 Limitation of Damages

TO THE MAXIMUM EXTENT PERMITTED BY NEW ZEALAND LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Our total liability for any claims arising from your use of the Service shall not exceed NZD $100.

7. Indemnification

You agree to indemnify, defend, and hold harmless PrivateMedicalInsurance.co.nz, its owners, employees, contractors, and partners from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

  • Your use of the Service
  • Your violation of these Terms
  • Your violation of any rights of another party
  • Any false or misleading information you provide

8. Intellectual Property

All content on PrivateMedicalInsurance.co.nz, including text, graphics, logos, images, software, and design, is our property or licensed to us and is protected by New Zealand and international intellectual property laws.

You may not reproduce, distribute, modify, create derivative works, publicly display, or exploit any content without our express written permission.

9. Third-Party Links and Content

Our Service may contain links to third-party websites and services. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites. You acknowledge and agree that we are not liable for any damage or loss caused by your use of third-party content or services.

10. Termination

We reserve the right to terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including:

  • Breach of these Terms
  • Provision of false information
  • Suspected fraudulent activity
  • At our sole discretion for any other reason

11. Privacy and Data Protection

Your use of the Service is also governed by our Privacy Policy. By using the Service, you consent to the collection, use, and sharing of your information as described in our Privacy Policy, including sharing with third-party brokers and insurance providers.

12. Modifications to Terms

We reserve the right to modify these Terms at any time at our sole discretion. Changes will be effective immediately upon posting to the website with an updated "Last Updated" date. Your continued use of the Service after changes constitutes acceptance of the modified Terms.

13. Modifications to Service

We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Service.

14. Governing Law and Jurisdiction

These Terms shall be 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. Dispute Resolution

In the event of any dispute, you agree to first attempt to resolve the matter informally by contacting us. If a dispute cannot be resolved informally within 30 days, either party may initiate formal proceedings.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and PrivateMedicalInsurance.co.nz regarding the use of the Service and supersede any prior agreements.

18. Waiver

Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision.

19. Contact Information

For questions, concerns, or notices regarding these Terms, please contact:

PrivateMedicalInsurance.co.nz

Email: hello@privatemedicalinsurance.co.nz

Legal: legal@privatemedicalinsurance.co.nz

Acknowledgment

BY USING PRIVATEMEDICALINSURANCE.CO.NZ, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS, INCLUDING THE SHARING OF YOUR INFORMATION WITH THIRD PARTIES AS DESCRIBED HEREIN.