Where your access and use of this website is on behalf of another person, you confirm you are authorised to act on that person’s behalf and that by agreeing to these Terms on that person’s behalf, that person is bound by these Terms.

We may modify these Terms from time to time by placing the updated Terms on our website. By continuing to access and use the website you agree to be bound by the changed Terms.

This website is intended for use by people living in New Zealand (or with insurable interests in New Zealand). We make no representations that it is appropriate for other purposes and Sundays/Hollard does not accept any responsibility if it is used for other purposes. Any information provided on this website is intended to provide a general summary of the subject matter and does not purport to be comprehensive, specific to your business or circumstance and does not constitute legal advice.

The information contained within this website (including site design, text, graphics, logos, images and content) is our intellectual property.

These Terms and your use of the website are governed by New Zealand law and the New Zealand courts have non-exclusive jurisdiction in relation to legal issues that arise from the use of this website.

Your privacy is very important to us. You agree to us collecting, using, retaining and disclosing your personal information in accordance with our Privacy Policy.

This website may contain a number of links to other Internet sites which are operated by third parties. The provision of the link does not mean that we endorse or accept any responsibility for the content, use, or products and services made available through the associated web sites. By utilising these links, you acknowledge and agree that we are not responsible for the actions, content, accuracy, privacy policies, opinions expressed, services provided, goods sold, or other links provided by these sites. You further acknowledge and agree that we are not responsible either directly or indirectly for any damage or loss caused by use of or reliance on linked sites. Should you have any questions regarding these sites, you should address them directly with the relevant site administrator.

You must not act in a way, or use or introduce anything (including any virus, Trojan horse, timebomb, spyware or other similar feature) that in any way compromises, or may compromise, the website, or attempt to damage or interfere with the website.

We will do our best to ensure that the website is available to you when you need it, free from viruses and from unauthorised access. However, to the extent permitted by law in no circumstances shall we be liable in any way for any loss or damage arising out of your access or use of the website.

You will indemnify us for any loss that occurs as a result of or in connection with any breach of these Terms or any malicious or fraudulent use this website by you.