Terms of Use

These are the terms for the use (“Terms of Use”) for the ANZ/Vero Online Quote and Buy Platform (the “Platform”), owned and operated by Vero Insurance New Zealand Limited ("Vero") and accessed by ANZ Bank New Zealand Limited (“ANZ”) customers through the goMoney ANZ application, ANZ Internet Banking or through the anz.co.nz website. In these Terms of Use “we”, “our” and “us” means Vero.

By accessing or using the Platform to obtain a quote or buy insurance you acknowledge and agree to comply with these Terms of Use and our Privacy Statement. If, after having read these Terms of Use you do not accept them, you should immediately cease using from the Platform.

We reserve the right to vary these Terms of Use and our Privacy Statement at any time by publishing the new terms on our website. These will be linked from the Platform. By continuing to use the Platform after the publication of any amended Terms of Use you are agreeing to be bound by the amended Terms of Use.

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

You may only use the Platform to:

a) Obtain insurance quotes;
b) Purchase insurance;
c) Conduct legitimate insurance related transactions or queries

in respect of insurance cover for you or a member of your immediate family (with their prior consent) for which you genuinely seek insurance cover.

We either own or licence all copyright in the Platform and all rights are reserved. We either own the intellectual property rights in the content material that appears on the Platform, or we have obtained the permission of the owner of the intellectual property to use the content on the Platform.

You may use or copy material appearing on the Platform for the purposes contemplated by the Platform provided that we retain all copyright, trademark and proprietary notices contained in the content. No other use, including reproducing, adapting, distributing, storing, broadcasting or copying any material appearing on the Platform is allowed without our written permission.

Where material not published by us appears on the Platform, you must not use or copy any such material without the written consent of the original owner.

The information presented on the Platform has been compiled from various sources and is provided as factual information only. The description of the various insurance products and services on the Platform is provided solely for general purposes and is not intended to be a complete description of all the terms, conditions or exclusions applicable to the particular insurance product or service. While we take reasonable steps to ensure that the information contained on the Platform is accurate and up-to-date, the information is subject to change without notice.  For full terms, conditions and exclusions, please refer to the applicable ANZ Asset Protector policy document.

The information contained in the Platform is not financial advice and should not be relied upon for that purpose. You are responsible for the actions that you may take in reliance on the information contained on or accessed through the Platform. For advice on product suitability, please contact your financial adviser.

You acknowledge that:

(a) Except as expressly stated in these Terms of Use, all warranties, representations or conditions relating to any aspect of the Platform, or to the information contained on the Platform (whether express or implied and whether arising in contract, at common law or under statute) are expressly excluded to the maximum extent permitted by law.

(b) If any relevant statute (including without limitation the Fair Trading Act 1986 and the Consumer Guarantees Act 1993) implies statutory rights, conditions or warranties which cannot be lawfully excluded, our liability and the liability of our employees, directors or agents will be limited to, at our discretion, the supply of services again or the payment of the cost of having the services supplied again.

(c) The Platform is, to the extent permitted by law, provided "as is, as available", without any warranty of any kind including, without limitation, any warranty with respect to the quality, performance or functionality of the Platform and that the Platform will be uninterrupted or error free.

(d) Changes or updates to the content of the Platform may occur without notice. Neither we, nor our directors, employees or agents can accept liability for any errors or omissions and make no representations as to the accuracy, adequacy or completeness of any information contained on the Platform.

(e) To the extent permitted by law, we are not liable to you for any loss including any incidental, indirect, special, consequential or economic loss or damage (including loss of profits or opportunities and exemplary or punitive damages), liabilities, claims or expenses whatsoever, arising out of, or in relation to, your use of, or reliance on information contained on or accessed through the Platform, or in respect of any failure or omission by us to comply with our obligations under these Terms of Use, whether arising in contract, in tort including negligence, at common law or under statute.

(f) To the extent permitted by law, you indemnify us from and against all actions, claims, suits, demands, liabilities, costs or expenses arising out of or in any way whatsoever connected to the use of the Platform.

By using the Platform, you agree that you will not (either yourself or through any third party):

• use any robot, spider, screen scraper, data aggregation tool or other automatic device or process ("Automated Process") to process, monitor, copy or extract any pages on the Platform, or any of the Application Acceptance Liability Restrictions on use of the Platform, content or data contained within or accessible through the Platform, without our prior written permission;
• use any Automated Process to aggregate or combine information, content or data contained within or accessible through the Platform with information, content or data accessible via or sourced from any third party;
• use any information on or accessed through the Platform for any commercial purpose or otherwise (either directly or indirectly) for profit or gain;
• use any device, software, process or routine to interfere or attempt to interfere with the proper working of the Platform or any transaction or process being conducted on or through it;
• take any action that imposes an unreasonable or disproportionately large load on the infrastructure of or bandwidth connecting to the Platform;
• reverse engineer, reverse assemble, decompile, or otherwise attempt to discover source code or other arithmetical formula or processes in respect of the software underlying the infrastructure and processes associated with the Platform; or
• copy, reproduce, alter, modify, create derivative works, or publicly display, any part of any content from the Platform without our prior written permission.

As a convenience to you, the Platform may contain links to other websites independently maintained by others. Because we do not control all of these other websites, we cannot be responsible for the content or accuracy of the information or other material on these linked websites.

The fact that we have provided a link to another website does not mean that we make a recommendation or give any endorsement or approval of any products or services contained on that website. We do not guarantee that these other websites will be free from viruses or other harmful components or that access to these websites will be without error or interruption or that any defects on those websites will be corrected.

You acknowledge that you cannot make any hyperlinks to the Platform without our prior written consent.

Unless expressly stated otherwise, the Platform, these Terms of Use and any disputes arising from their use, are governed exclusively by the laws and the courts of New Zealand.

All amounts specified on the Platform are in New Zealand dollars unless specified otherwise.

Contact details are contained in the Contact Us section of the Platform. The registered office of Vero is Vero Centre, Level 13, 48 Shortland Street, Auckland, New Zealand.