Terms of Use

Terms of Use

In this Terms of Use the term “Aioi NZ” (or “we”, “us” or “our”) refers to:

• Aioi Nissay Dowa Management New Zealand Limited; and
• Aioi Nissay Dowa Insurance Company, Limited.

These are the terms of use (“Terms of Use”) of the website owned and operated by Aioi NZ

Acceptance of these Terms of Use

By using this website, you accept these Terms of Use and are bound by them. If you do not accept these Terms of Use, you should not use this website.

Additional terms may apply to specific goods or services or online tools or functions provided through or on this website. Where we indicate on this website that additional terms apply, you much read these Terms of Use in conjunction with those additional terms. If there is any inconsistency between these Terms of Use and those additional terms, the additional terms will prevail (unless we expressly tell you otherwise).

We reserve the right to vary these Terms of Use and the Privacy Policy at any time by publishing varied provision on this Site.

These Terms of Use should be read in conjunction with our Privacy Policy 

Amendments to these Terms of Use

We may amend these Terms of Use in whole or in part from time to time. Amendments will be effective immediately when we post the amended Terms of Use on this website.

You are responsible for ensuring you are familiar with the latest Terms of Use. By continuing to use this website, you agree to be bound by the Terms of Use as amended (whether or not you have received any amendments).

Intellectual Property rights in website

We (and our entities as case the may be) own all intellectual property rights in this website, including all the content of this website (such as text, graphics, logos, icons and sound recordings) and all software code underlying and forming part of this website.

Acceptable use

You may not without our prior written permission, in any form or by any means:

• adapt, reproduce, copy, store, distribute (except by using the 'share' function), print, display, perform, publish or create adaptations from any part of this website (including the content of this website); or
• commercialise, copy, or on-sell any information, or materials obtained from any part of this website (including the content of this website).

You agree to use this website in a manner that complies with all applicable laws and regulations and that does not infringe our rights, nor the rights of anyone else, nor restricts or inhibit their use and enjoyment of this website. Without limiting this you agree not to:

• damage or harm this website, or any underlying or connected network or system;
• use a harvesting bot, robot, spider, scraper, or other unauthorised automated means to access this website or content featured on it for any purpose;
• introduce any viruses, content or code to this website which is technologically harmful;
• use this website to do anything unlawful, misleading, malicious or discriminatory;
• do anything that could disable, overburden or impair the proper working of this website, such as a denial of service attack;
• facilitate or encourage any violations of these Terms of Use.

Indemnity

You agree to indemnify and keep indemnifying us from and against all actions, claims, costs (including legal costs and expenses), losses, proceedings, damages, liabilities, or demands suffered or incurred by us to any person arising out of or in connection with your failure to comply with these Terms of Use.

Legal Disclaimer

Expect where required by law, neither we nor our entities will be liable in any way whatsoever to any person for any cause of action arising directly or indirectly out of the information contained in this website or these Terms of Use. Further, we and our entities are not bound in any way to offer, make available or provide any goods or services referred to in this website.

Governing Law

This website and these Terms of Use is governed by the laws of New Zealand. When you access this website, you submit to the exclusive jurisdiction of the New Zealand courts.

 Accuracy of Information

The material contained in this website is intended for general information purposes only. Every effort has been made to ensure that the information on this site is correct and up to date, however, Aioi NZ does not provide any warranty as to the completeness or accuracy of the information and, subject to applicable laws, does not accept any liability for damages of any kind resulting from the access or use of this site and its contents.

The accuracy of the information provided in this website, such as pricing is subject to change at any time without notice. Please contact Aioi NZ for further information and confirmation.

The colors on this website may differ from actual colors due to variations in the electronic rendering process. Also, the images and content of this website may have been sourced globally and may differ to New Zealand specifications.

Seeking Quote

Aioi NZ does not accept any liability for errors, misprints, or omissions in the quote figures generated including, without limitation, those caused by negligence or computer hardware or software fault or dysfunction, including by way of computer viruses.

Aioi NZ does not guarantee that the quote generated is correct, accurate, or complete. You may use the quote only if you agree not to make any claims against Aioi NZ for any loss or damage that may arise as a result.

Acquiring Policy

Insurance cover will only commence if Aioi NZ accepts your application subject to any restrictions that may apply.

Aioi NZ does not make any representation that the insurance policy selected by you is suitable for your circumstances and does not provide any advice as to the general suitability of such as policy. The policy has been chosen solely by the individual concerned.

Site Access

Aioi NZ does not guarantee the continued availability of the website or the continuation of services provided on it. Access to the website and to any saved information may be interrupted, restricted, delayed or unavailable from time to time. Aioi NZ accepts no responsibility or liability in relation to any loss suffered in these circumstances.

Contact us

Contact details are contained in the contact us section of this site.