Terms of Service

1. Agreement to Terms

By accessing and using the YachtInsurance.co.nz website and services, you accept and agree to be bound by the terms and provision of this agreement. These Terms of Service ("Terms") constitute the entire agreement between YachtInsurance.co.nz ("we," "us," "our," or the "Company") and you regarding the use of our website and services.

If you do not agree to abide by the above, please do not use this service.

2. Use License

Permission is granted to temporarily download one copy of the materials (information or software) on YachtInsurance.co.nz for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials
• Use the materials for any commercial purpose or for any public display
• Attempt to decompile or reverse engineer any software contained on the site
• Remove any copyright or other proprietary notations from the materials
• Transfer the materials to another person or "mirror" the materials on any other server
• Attempt to gain unauthorized access to restricted portions or features of the site

3. Disclaimer

The materials on YachtInsurance.co.nz are provided on an 'as is' basis. We make no warranties, expressed or implied, and hereby disclaim and negate all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

We do not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.

4. Limitations of Liability

In no event shall YachtInsurance.co.nz or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on YachtInsurance.co.nz, even if we or an authorized representative has been notified orally or in writing of the possibility of such damage.

Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

5. Accuracy of Materials

The materials appearing on YachtInsurance.co.nz could include technical, typographical, or photographic errors. We do not warrant that any of the materials on our website are accurate, complete, or current. We may make changes to the materials contained on our website at any time without notice.

We do not, however, make any commitment to update the materials.

6. Materials & Content Ownership

The materials on YachtInsurance.co.nz are owned by us or our suppliers and are protected by international copyright laws. You agree that you will not use any of these materials or content for any purpose other than the permitted use defined in these Terms of Service.

Any unauthorized use of the materials is prohibited and may violate copyright, trademark, and other laws.

7. Links & Third-Party Sites

YachtInsurance.co.nz has not reviewed all of the sites linked to our website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by us of the site. Use of any such linked website is at the user's own risk.

If you decide to leave our website and access a third-party site, you do so at your own risk and subject to the terms of use of that website.

8. Modifications of Terms

YachtInsurance.co.nz may revise these Terms of Service for our website at any time without notice. By using this website, you are agreeing to be bound by the then current version of these Terms of Service.

If you do not agree with our Terms of Service or any changes we have made, please do not use or continue to use our website.

9. Governing Law

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

10. Insurance Quote Requests

When you submit a quote request through our website:

• You certify that all information provided is accurate and complete
• You authorize us to share your information with insurance providers
• You understand quotes are estimates and may vary based on further information
• Insurance providers may contact you directly regarding your quote
• You are responsible for reviewing insurance policy terms before purchase

We do not guarantee any particular quote, insurance offering, or coverage from any provider.

11. User Conduct

You agree that you will not use YachtInsurance.co.nz to:

• Harass, abuse, or threaten others
• Submit false or misleading information
• Transmit viruses, malware, or harmful code
• Attempt to access unauthorized portions of our systems
• Interfere with the normal operation of our website
• Engage in any activity that violates applicable laws or regulations

12. Disclaimer of Insurance Advice

The information provided on YachtInsurance.co.nz is for informational purposes only and should not be construed as professional insurance advice. We recommend that you consult with qualified insurance professionals before making any insurance decisions.

We are not licensed insurance agents or brokers. Insurance coverage and terms are determined by the insurance providers themselves.

13. Insurance Provider Relationships

YachtInsurance.co.nz is an independent website that connects users with insurance providers. We are not affiliated with any specific insurance company, and we do not provide insurance directly. Each insurance provider is solely responsible for:

• The quotes and coverage they provide
• Claims handling and customer service
• Policy terms and conditions
• Compliance with insurance regulations

14. Indemnification

You agree to indemnify and hold harmless YachtInsurance.co.nz and its officers, directors, employees, and agents from any and all claims, damages, losses, and expenses (including attorney's fees) arising out of or relating to your use of our website or violation of these Terms of Service.

15. Contact Information

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

16. Severability

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

17. Entire Agreement

These Terms of Service and our Privacy Policy constitute the entire agreement between you and YachtInsurance.co.nz regarding the use of our website and services, and supersede all prior and contemporaneous agreements, understandings, and negotiations.