Disclaimer

1. Nature of Our Service

TraumaCover is a lead generation and comparison service operating in New Zealand. We connect individuals seeking trauma and critical illness insurance with licensed insurance providers and brokers.

2. No Financial or Insurance Advice

Information provided on TraumaCover is general in nature and does not constitute financial, insurance, legal, or professional advice. We do not:

• Assess your personal financial situation or insurance needs
• Recommend specific insurance products or providers
• Provide personalized advice tailored to your circumstances
• Guarantee the suitability of any insurance product for your needs

You should seek independent professional advice from a licensed financial or insurance adviser before making any insurance decisions.

3. Information Accuracy

While we strive to provide accurate and up-to-date information:

• We do not warrant or guarantee the accuracy, completeness, or currency of information
• Information may contain errors, omissions, or inaccuracies
• Insurance products, terms, and pricing change frequently
• Information should not be relied upon without independent verification
• We are not responsible for outdated or incorrect information

4. Third-Party Insurance Providers and Brokers

We are not responsible for:

• The actions, advice, services, or products of third-party providers
• Insurance policy terms, conditions, exclusions, or limitations
• Claims handling, disputes, or denials by insurance providers
• The financial stability or regulatory compliance of third parties
• Any errors or omissions in quotes or information provided by third parties
• Whether third parties accept your application or offer coverage

5. Quotes and Premium Estimates

Quotes and premium estimates provided through our service or by insurance providers are:

• Indicative only and not binding offers of insurance
• Subject to full underwriting, medical assessment, and approval
• Based on information you provide and may change if information is incorrect
• Subject to the insurance provider's terms, conditions, and acceptance criteria
• Not guaranteed - you may receive different quotes or be declined coverage

Final premium rates, coverage terms, and policy conditions are determined solely by the insurance provider.

6. Health and Medical Information

We collect health-related information as part of the quote request process. This information is shared with insurance providers for underwriting purposes.

7. No Guarantee of Coverage or Quotes

By submitting a quote request through TraumaCover:

• We do not guarantee that you will receive any quotes
• We do not guarantee that insurance providers will accept your application
• We do not guarantee specific premium rates or coverage terms
• Insurance providers may decline to provide quotes or coverage based on their underwriting criteria
• Some individuals may be uninsurable due to health or other factors

8. Website Use and Technical Limitations

Our website and services are provided "as is" and "as available." We do not guarantee:

• Uninterrupted or error-free operation of our website
• That defects will be corrected
• That our website is free from viruses or harmful components
• The security of information transmitted through our website
• That data submissions will be successfully processed

9. Regulatory and Licensing Information

TraumaCover operates as a lead generation service in New Zealand. We connect you with licensed insurance providers and brokers who are registered on the Financial Service Providers Register (FSP).

Verify Provider Credentials: Before purchasing insurance, you should verify that any provider or adviser is appropriately licensed by checking the FSP Register at www.companiesoffice.govt.nz/fsp

Licensed advisers and providers are subject to regulations under the Financial Markets Conduct Act 2013 and Financial Service Providers (Registration and Dispute Resolution) Act 2008.

10. External Links and Third-Party Websites

Our website may contain links to external websites operated by insurance providers or other third parties. We are not responsible for the content, privacy practices, accuracy, or availability of these external sites. Accessing third-party websites is at your own risk.

11. Limitation of Liability

To the maximum extent permitted by New Zealand law, TraumaCover and its officers, directors, employees, and partners shall not be liable for:

• Any loss or damage arising from your use of our website or services
• Decisions made based on information provided on our website
• Acts or omissions of third-party insurance providers or brokers
• Insurance policy terms, claims, or coverage disputes
• Inaccurate or incomplete information provided by third parties
• Technical failures, data loss, or unauthorized access to information

Nothing in this disclaimer excludes or limits liability that cannot be excluded under New Zealand law, including liability for death or personal injury caused by negligence or fraud.

12. Changes to Services and Partners

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without notice. Our partner network may change, and we may add or remove insurance providers from our service without prior notice.

13. Geographic Limitations

Our services are intended for New Zealand residents only. Information on our website is specific to the New Zealand insurance market and may not be applicable in other jurisdictions. Insurance products, regulations, and requirements vary by country.

14. Questions or Concerns

If you have any questions about this disclaimer or our services:

15. Acceptance of Disclaimer

By using TraumaCover's website and services, you acknowledge that you have read, understood, and agree to this disclaimer. If you do not agree with any part of this disclaimer, you should not use our services.