Terms of Service

Who we are

First Commercial Insurance Brokers Ltd (FSP748591) operates cyberinsurancequotes.co.nz. We are a registered Financial Advice Provider on the Financial Service Providers Register and a Member Broker of Insurance Advisernet New Zealand Ltd.

In these Terms, "we", "us", and "our" refers to First Commercial Insurance Brokers Ltd.

1. Agreement to Terms

By accessing and using our website and services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

Important: These Terms govern your use of cyberinsurancequotes.co.nz and the insurance broking services provided by First Commercial Insurance Brokers Ltd (FSP748591).

2. Use License

Permission is granted to temporarily access the materials on our website for personal, non-commercial use only. This is the grant of a license, not a transfer of title, and under this license you may not:

✗ Modify or copy the materials
✗ Use the materials for commercial purposes
✗ Attempt to reverse engineer any software
✗ Remove copyright or proprietary notations

3. Disclaimer

The materials on our website are provided on an 'as is' basis. We make no warranties, expressed or implied, and hereby disclaim and negate all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Note: We do not warrant that the materials will be uninterrupted, timely, secure, or error-free.

4. Insurance Quotes and Services

Insurance quotes and services provided through our website are subject to the following conditions:

Quote Accuracy

• Quotes are indicative only
• Subject to final insurer approval
• Based on information provided
• Valid for a limited time

Policy Terms

• Subject to insurer's terms
• Coverage details may vary
• Final policy governs coverage
• Professional advice recommended

5. User Responsibilities

When using our services, you agree to:

✓ Provide accurate and complete information
✓ Use the service for lawful purposes only
✓ Respect intellectual property rights
✓ Maintain confidentiality of account information

6. Limitations

In no event shall First Commercial Insurance Brokers Ltd or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on our website, except where liability cannot lawfully be excluded.

Important: This limitation applies even if we have been notified orally or in writing of the possibility of such damage.

7. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy.

Please review our Privacy Policy to understand how we collect, use, and protect your information.

8. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of New Zealand, and you irrevocably submit to the exclusive jurisdiction of the courts in that State or location.

9. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting on this website. Your continued use of the service after changes are posted constitutes acceptance of the modified terms.

Recommendation: Please review these terms periodically for changes.

10. How we are paid

First Commercial Insurance Brokers Ltd does not charge an upfront fee for providing insurance advice. We are paid a commission by the recommended insurance provider from the premium they charge you. Full details on commission and remuneration are available in our Disclosure Statement.

11. Complaints & Dispute Resolution

If you have a complaint, please contact us first so we can attempt to resolve it. If we cannot resolve your complaint, you may refer it to Financial Services Complaints Limited (FSCL), our approved external dispute resolution scheme. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz. This service is free to you.

12. Contact Information

If you have any questions about these Terms of Service, please contact us:

First Commercial Insurance Brokers Ltd (FSP748591)

Email: hello@cyberinsurancequotes.co.nz

Website: www.fcib.co.nz

Disclosure Statement: fcib.co.nz/first-commercial-disclosure-nz