Terms and Conditions

1. Introduction and Acceptance

Welcome to BusinessLiabilityInsurance.co.nz ("we", "our", or "us"). These Terms and Conditions ("Terms") govern your use of our website and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our website.

This website operates in partnership with Venture Insurance Brokers (FSP1009673), a licensed Financial Services Provider in New Zealand. When you request a quote through our website, you will be connected with Venture Insurance Brokers for insurance services.

2. Description of Services

2.1 Website Services

BusinessLiabilityInsurance.co.nz provides the following services:

• Information about business liability insurance products
• Quote request submission and comparison services
• Connection to licensed insurance brokers and providers
• Educational resources about business insurance
• Insurance coverage calculators and tools

2.2 Information Only

The information provided on this website is for general information purposes only. It does not constitute financial advice, insurance advice, or a recommendation to purchase any specific insurance product. We recommend you seek professional advice for your specific circumstances.

2.3 Broker Relationship

When you submit a quote request, your information is forwarded to Venture Insurance Brokers who will contact you to discuss your insurance needs and provide quotes from their panel of insurers. Venture Insurance Brokers operates independently as a licensed financial services provider.

3. User Obligations and Responsibilities

3.1 Accurate Information

You agree to:

• Provide accurate, complete, and current information when requesting quotes
• Disclose all material facts relevant to your insurance needs
• Update any information that becomes outdated or inaccurate
• Not provide false or misleading information
• Not impersonate another person or entity

3.2 Lawful Use

You agree to use our website only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the website in any way that violates New Zealand law or regulations
• Engage in any conduct that restricts or inhibits anyone's use of the website
• Attempt to gain unauthorized access to any portion of the website
• Use automated systems to access the website without permission
• Interfere with or disrupt the website or servers

3.3 Age Requirement

You must be at least 18 years old to use our services. By using our website, you represent that you are 18 years of age or older.

4. Intellectual Property Rights

4.1 Website Content

All content on this website, including but not limited to text, graphics, logos, images, software, and design, is the property of BusinessLiabilityInsurance.co.nz or its content suppliers and is protected by New Zealand and international copyright, trademark, and other intellectual property laws.

4.2 Limited License

You are granted a limited, non-exclusive, non-transferable license to access and use the website for personal, non-commercial purposes. You may not reproduce, distribute, modify, create derivative works, publicly display, or exploit any content without our prior written consent.

4.3 Trademarks

BusinessLiabilityInsurance.co.nz and our logo are trademarks. All other trademarks appearing on the website are the property of their respective owners. Use of these trademarks without permission is prohibited.

5. Disclaimers and Limitations

5.1 No Warranties

Our website and services are provided "as is" and "as available" without any warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, or free from viruses or other harmful components.

5.2 Accuracy of Information

While we strive to provide accurate and up-to-date information, we do not warrant the accuracy, completeness, or reliability of any content on the website. Insurance products, prices, and features are subject to change without notice.

5.3 Third-Party Content

Our website may contain links to third-party websites and services. We are not responsible for the content, accuracy, or practices of these third-party sites. Quotes and insurance policies are provided by independent insurance companies and brokers.

5.4 No Guarantee of Coverage

Requesting a quote through our website does not guarantee that you will receive insurance coverage. Insurance providers make their own underwriting decisions based on their criteria and risk assessment.

6. Limitation of Liability

6.1 Exclusion of Damages

To the maximum extent permitted by law, BusinessLiabilityInsurance.co.nz shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from your use of or inability to use the website or services.

6.2 Maximum Liability

Our total liability to you for any claims arising from your use of the website shall not exceed NZD $100 or the amount you paid to us in the past 12 months, whichever is greater.

6.3 New Zealand Consumer Guarantees Act

Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy conferred by the Consumer Guarantees Act 1993 or any other applicable New Zealand consumer protection legislation that cannot be excluded, restricted, or modified by agreement.

7. Insurance Broker and Provider Relationships

7.1 Independent Broker

Venture Insurance Brokers is an independent licensed insurance broker. While we work in partnership with them to provide you with insurance quotes, they operate independently and are responsible for their own services, advice, and recommendations.

7.2 Insurer Panel

Venture Insurance Brokers works with a panel of insurance companies to provide competitive quotes. The insurance companies on their panel may change from time to time. We do not control which insurers are included or their underwriting decisions.

7.3 Commission Disclosure

We may receive commissions or referral fees from Venture Insurance Brokers or insurance providers when you purchase insurance through our service. This does not affect the price you pay for insurance coverage.

8. Privacy and Data Protection

Your use of our website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand how we collect, use, and protect your personal information in accordance with the Privacy Act 2020.

9. Changes to Terms and Conditions

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website with a new effective date. Your continued use of the website after changes are posted constitutes your acceptance of the revised Terms.

10. Termination

10.1 Our Right to Terminate

We reserve the right to suspend or terminate your access to the website at any time, without notice, for any reason, including but not limited to breach of these Terms or conduct that we believe is harmful to other users, us, or third parties.

10.2 Effect of Termination

Upon termination, your right to use the website will immediately cease. Provisions of these Terms that by their nature should survive termination will survive, including intellectual property provisions, disclaimers, and limitations of liability.

11. Dispute Resolution and Governing Law

11.1 Governing Law

These Terms are governed by and construed in accordance with the laws of New Zealand. You irrevocably submit to the exclusive jurisdiction of the courts of New Zealand.

11.2 Dispute Resolution Process

In the event of any dispute arising from these Terms or your use of the website:

• First, contact us directly to attempt to resolve the matter informally
• If informal resolution is unsuccessful, consider mediation before pursuing legal action
• Any legal proceedings must be brought in the New Zealand courts

11.3 Insurance Complaints

If you have a complaint about insurance services or advice provided by Venture Insurance Brokers or an insurance company, you may contact the Insurance & Financial Services Ombudsman Scheme (IFSO):

12. General Provisions

12.1 Severability

If any provision of these Terms is found to be invalid or unenforceable by a court, the remaining provisions will continue in full force and effect.

12.2 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and BusinessLiabilityInsurance.co.nz regarding your use of the website and supersede all prior agreements and understandings.

12.3 Waiver

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

12.4 Assignment

You may not assign or transfer these Terms or your rights and obligations under these Terms without our prior written consent. We may assign these Terms without restriction.

12.5 Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labor disputes, or internet service failures.

13. Contact Information

If you have questions or concerns about these Terms and Conditions, please contact: