Terms of Service

Introduction

These Terms of Service govern your use of the Body Corporate Insurance NZ website and services provided by Venture Insurance Brokers Ltd (FSP1009673), a licensed financial service provider in New Zealand. By accessing or using our services, you agree to be bound by these terms.

Our Services

Venture Insurance Brokers Ltd provides insurance broking services specializing in body corporate insurance. We act as an intermediary between clients and insurance providers to arrange appropriate insurance coverage.

Financial Service Provider Information

Venture Insurance Brokers Ltd is registered as a Financial Service Provider (FSP1009673) under the Financial Service Providers (Registration and Dispute Resolution) Act 2008. We are licensed to provide insurance broking services in New Zealand.

Professional Obligations

We are committed to:

• Acting in your best interests when providing insurance advice
• Providing clear and accurate information about insurance products
• Disclosing any conflicts of interest or commissions received
• Maintaining professional standards required by New Zealand law
• Handling complaints fairly and in accordance with regulatory requirements

Client Responsibilities

When using our services, you agree to:

• Provide accurate and complete information
• Disclose all material facts relevant to insurance coverage
• Review all policy documents carefully
• Notify us promptly of any changes that may affect coverage
• Pay premiums and fees as agreed
• Comply with policy terms and conditions

Quotes and Proposals

Insurance quotes and proposals provided by us are indicative only and subject to acceptance by the insurance provider. Final coverage and premium rates are determined by the insurer based on their assessment and underwriting criteria.

Commissions and Remuneration

We may receive commission or other remuneration from insurance providers for policies arranged. These arrangements do not affect the premium you pay. Details of our remuneration structure are available upon request.

Claims Assistance

We provide claims assistance as part of our service. However, the assessment and settlement of claims is at the discretion of the insurance provider in accordance with the policy terms and conditions.

Limitation of Liability

While we take care to provide accurate advice and arrange appropriate coverage, we are not liable for:

• Decisions made by insurance providers regarding coverage or claims
• Policy exclusions or limitations imposed by insurers
• Losses not covered under the insurance policy
• Delays caused by third parties including insurers

Website Use

When using our website, you agree not to:

• Use the site for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Transmit harmful code or malware
• Interfere with other users' access to the site
• Copy or reproduce content without permission

Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of Venture Insurance Brokers Ltd or its licensors and is protected by intellectual property laws.

Privacy

Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.

Dispute Resolution

If you have a complaint about our services, please contact us first so we can attempt to resolve the issue. If we cannot resolve your complaint, you may refer it to the Financial Services Complaints Ltd (FSCL), our approved dispute resolution scheme.

Changes to Terms

We may update these Terms of Service from time to time. Continued use of our services after changes are posted constitutes acceptance of the updated terms.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of New Zealand.

Contact Information