By accessing the Personalised Insurances Limited (PIL) website, www.personalisedinsurances.co.nz (the Website), you acknowledge and agree that the following terms of use govern your access and use. PIL may, at any time and without prior notice, amend or update the Website content, including these terms and conditions. In these terms, all references to we, us, our and PIL mean Personalised Insurances Limited and its affiliated entities. These terms apply in addition to, and do not override, any specific conditions applicable to individual products, services, promotions, or marketing initiatives.

Use of Website

We grant you a non-exclusive licence to access the Website and its information. By using the Website, you agree that you will not:

• use the Website for any commercial gain, competitive purpose, or unlawful, defamatory, or offensive activity.

• engage in any activity that could damage, diminish, or bring PIL’s reputation into disrepute; or

• decompile, reverse engineer, or attempt to gain unauthorised access to any portion of the Website, including secure areas.

Any breach of these conditions may result in prosecution to the maximum extent permitted by law.

General Disclaimer

While reasonable care is taken in compiling the information on the Website, it is provided for general information only and does not consider any individual’s personal circumstances (financial, medical, or otherwise). Although we aim to keep content current and accurate, we make no representation, guarantee, or assurance as to its adequacy, completeness, reliability, or suitability for your intended use. The Website does not substitute for tailored, professional advice. You should seek independent, qualified advice before acting on any information contained herein. By using the Website, you confirm you have either obtained such advice or chosen not to do so.

Accuracy of Information

Content provided through the Website is offered in good faith and derived from sources we believe to be accurate and reliable. However, information may be selective or incomplete. PIL advises that the content may not meet the needs of every user or organisation.

Liability

To the maximum extent permitted by law, neither PIL, its related companies, directors, employees, agents, contractors, nor any other person accepts liability for any loss, damage, expense, or cost (including but not limited to financial loss, lost profits, lost revenue, savings, indirect or consequential loss) arising out of or in connection with any error, omission, reliance on information, or access to, use of, or inability to use the Website. PIL provides no warranty regarding the performance of any investment, product, or fund mentioned or linked to on the Website. All warranties, conditions, and guarantees of any kind (express, implied, or statutory) relating to the Website, its functions, or its content are expressly excluded to the fullest extent legally possible.

Amendment to Content

You may not alter, interfere with, or affect the operation of the Website in any way. This includes (without limitation): removing or adding content, linking to or from other websites without consent, copying or distributing Website content, or using Website material for any unlawful or commercial purpose without PIL’s prior written permission.

Viruses

PIL does not warrant that the Website is secure or free from viruses, malware, or other harmful features. We accept no responsibility or liability for any damage, loss, or disruption caused as a result of such features. Your reliance on materials obtained through the Website is entirely at your own risk.

Site Access

We do not guarantee the continuous availability of the Website or any of its services. Access may be suspended, restricted, or delayed from time to time. PIL assumes no liability for any loss or inconvenience suffered in such circumstances.

Copyright

All information, images, web pages, logos, brands, and other content displayed on the Website are the property of PIL and/or have express permission to use third party logos of which all are protected by copyright. Except where expressly permitted, no material may be copied, reproduced, or reused without PIL’s prior written approval. In particular, the PIL name, logo, and brand may not be used without express written authorisation from PIL.