Terms and Conditions

1. Acceptance of Terms

By using the InsureAI website and services, you agree to these Terms and Conditions. If you disagree with any part of these terms, please do not use our services.

2. Description of Service

InsureAI provides an AI-powered insurance comparison service for personal insurance products in New Zealand. We do not provide insurance directly but facilitate connections between users and insurance providers.

3. User Eligibility and Responsibilities

You must be at least 18 years old and a resident of New Zealand to use our services. You are responsible for providing accurate and current information when using our service.

4. Privacy and Data Protection

We comply with the Privacy Act 2020. Your personal information is collected, used, and protected as outlined in our Privacy Policy. By using our service, you consent to the collection and use of your information as described.

5. Lead Generation Practices

By submitting your information, you agree to be contacted by affiliated insurance specialists. You can opt-out at any time.

6. Limitation of Liability

InsureAI is not liable for any direct, indirect, incidental, or consequential damages resulting from your use of our service or the insurance products you may obtain through our service. This limitation applies to the fullest extent permitted by New Zealand law.

7. Disclaimer of Warranties

Our service is provided "as is" without any express or implied warranties. We do not guarantee the accuracy of insurance quotes or the suitability of any insurance product for your needs.

8. User Content and Feedback

Any feedback you provide may be used to improve our services. We do not claim ownership of your personal information but require a license to use it for providing our service.

9. Modifications to Service

We reserve the right to modify or discontinue our service at any time without notice. We are not liable to you or any third party for any modification, suspension, or discontinuance of the service.

10. Governing Law and Dispute Resolution

These Terms are governed by New Zealand law. Any disputes shall be subject to the exclusive jurisdiction of the New Zealand courts.

11. Changes to Terms

We may update these Terms at any time. Continued use of our service after changes constitutes acceptance of the new Terms. It is your responsibility to check these Terms periodically for changes.