Terms of Service

1. Introduction

Welcome to TraumaCover ("we," "our," or "us"). By accessing or using our website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

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

2. Service Description

Our Service Includes:

• Providing educational information about trauma and critical illness insurance
• Collecting your insurance requirements and personal information
• Connecting you with licensed insurance providers and brokers, including Evolve Group Limited (FSP711891)
• Facilitating comparison of insurance quotes and options

Important: We are a lead generation service, not an insurance provider or licensed insurance adviser. We do not provide insurance advice, sell insurance products, or handle insurance claims.

3. User Responsibilities

When using our services, you agree to:

• Provide accurate, truthful, and complete information
• Be at least 18 years of age
• Be a New Zealand resident or citizen
• Not use our services for fraudulent or unlawful purposes
• Not attempt to interfere with the proper functioning of our website
• Not impersonate any person or entity
• Respond to communications from our partner insurance providers in good faith

4. Quote Request Process

We aim to connect you with insurance providers within 24 hours of your quote request, but we do not guarantee specific response times or that you will receive quotes from all providers.

5. Partner Relationships and Referral Fees

We maintain relationships with licensed insurance providers and brokers, including Evolve Group Limited (FSP711891). We may receive referral fees, commissions, or other compensation when you are connected with these partners or when you purchase insurance through them.

Important Disclosures:

• These relationships do not affect the cost of insurance to you
• All partners are licensed and registered on New Zealand's Financial Service Providers Register
• We may prioritize partners based on commercial arrangements, service quality, and your specific needs
• Partner arrangements may change from time to time without notice

6. No Insurance Advice

7. Website Use and Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of TraumaCover or our licensors and is protected by copyright and other intellectual property laws.

You may:

• View and use our website for personal, non-commercial purposes
• Print pages for personal reference

You may not:

• Reproduce, distribute, or modify our content without permission
• Use our website or content for commercial purposes
• Remove copyright or proprietary notices
• Scrape, mine, or extract data from our website

8. Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our services, you consent to our data practices as described in the Privacy Policy.

9. Disclaimers and Warranties

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:

• Accuracy, completeness, or reliability of information
• Availability or uninterrupted access to our website
• Suitability of insurance products for your needs
• Quotes or coverage being offered by insurance providers
• Actions or services of third-party insurance providers

10. Limitation of Liability

To the maximum extent permitted by New Zealand law:

• We are not liable for any indirect, incidental, special, or consequential damages
• We are not responsible for the actions, services, or products of third-party insurance providers
• We do not guarantee that you will receive quotes or be accepted for insurance
• Our total liability to you for any claim is limited to NZD $100

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, fraud, or other liability that cannot be excluded under New Zealand law.

11. Third-Party Links and Services

Our website may contain links to third-party websites and services. We are not responsible for the content, privacy practices, or terms of these external sites. Your interactions with third parties are solely between you and them.

12. Indemnification

You agree to indemnify and hold harmless TraumaCover, its officers, directors, employees, and partners from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of our services, violation of these terms, or infringement of any rights of another party.

13. Termination

We reserve the right to terminate or suspend your access to our services at any time, without notice, for any reason, including violation of these terms. You may stop using our services at any time.

14. Changes to Terms

We may modify these Terms of Service at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes constitutes acceptance of the modified terms. We encourage you to review these terms periodically.

15. Governing Law and Dispute Resolution

These Terms of Service are governed by and construed in accordance with the laws of New Zealand. Any disputes arising from these terms or our services shall be subject to the exclusive jurisdiction of the New Zealand courts.

Before initiating any legal proceedings, we encourage you to contact us to resolve any concerns informally.

16. Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

17. Contact Us

If you have any questions about these Terms of Service, please contact us: