Welcome to Compare Income Protection. These Terms of Service govern your use of our website and our income protection comparison service. By using our service, you agree to these terms. Please read them carefully.
1. Acceptance of Terms
By accessing or using the Compare Income Protection website or any of our services, you confirm that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree, please do not use our services.
2. About Compare Income Protection
Compare Income Protection is a New Zealand based service that helps consumers compare income protection options by matching them with licensed financial advisers and insurance providers. We do not issue policies ourselves and we are not the insurer. Insurance is provided by the partner you choose to engage with after using our service.
3. Eligibility
To use our service you must:
- Be at least 18 years old
- Be a New Zealand resident
- Provide accurate and truthful information when completing our forms
- Have the legal capacity to enter into a binding agreement
4. Use of the Service
You agree to use Compare Income Protection only for lawful purposes related to comparing income protection options for yourself or someone for whom you are authorised to act. You agree not to:
- Submit false, misleading, or deceptive information
- Use the service to harass, defraud, or solicit any party
- Attempt to access, scrape, or copy the website beyond normal browsing
- Interfere with the security or proper operation of the service
5. Lead Distribution and Third Parties
When you submit your information through our forms, we share your details with one or more licensed financial advisers or insurance providers in our partner network so they can contact you with personalised options. The provider you ultimately deal with operates independently of Compare Income Protection and is responsible for the advice and product they offer.
Compare Income Protection receives a referral fee or commission from partner providers when consumers connect through our service. This does not affect the price you pay for any policy you choose to take out.
6. Communications and Phone Verification
By submitting your contact details you consent to being contacted by Compare Income Protection and our partner providers by phone, SMS, or email regarding your enquiry. We may use one-time codes to verify your phone number. Standard message and data rates may apply.
You can opt out of marketing communications at any time by replying STOP to an SMS, clicking unsubscribe in an email, or contacting us directly.
7. Privacy
Your privacy matters. Our handling of your personal information is described in our Privacy Policy, which forms part of these Terms.
8. Intellectual Property
All content on this website, including the brand name, logo, design, text, and graphics, is owned by Compare Income Protection or licensed to us, and is protected by New Zealand and international copyright and trademark laws. You may not copy, modify, distribute, or republish any part of the site without our prior written permission.
9. No Financial Advice
The information on this website is general in nature and is not financial advice. We do not consider your personal financial circumstances. You should obtain advice from a licensed financial adviser before making any decision about a income protection policy. The advisers and providers in our network are independent and any advice they give is their own.
10. Limitation of Liability
To the maximum extent permitted by law, Compare Income Protection is not liable for any loss, damage, or expense (whether direct, indirect, or consequential) arising from your use of the website, your reliance on any information on it, or any dealings between you and a partner provider. Nothing in these Terms limits any rights you have under the Consumer Guarantees Act 1993 or the Fair Trading Act 1986 where those rights cannot be excluded.
11. Indemnity
You agree to indemnify and hold Compare Income Protection and its directors, employees, and partners harmless from any claim, loss, or expense (including reasonable legal fees) arising from your breach of these Terms or your misuse of the service.
12. Changes to These Terms
We may update these Terms from time to time. The most current version will always be available on this page with the "Last updated" date refreshed. Your continued use of the service after changes are posted constitutes acceptance of the updated Terms.
13. Termination
We may suspend or terminate access to the service at any time, without notice, if we reasonably believe these Terms have been breached or that the integrity or security of the service is at risk.
14. Governing Law
These Terms are governed by the laws of New Zealand. You submit to the non-exclusive jurisdiction of the New Zealand courts in respect of any dispute arising under or in connection with these Terms.
15. Contact Us
If you have questions about these Terms, please contact us:
Compare Income Protection
Email: admin.co.nz