OrbitProtect Limited is wholly owned by nib nz holdings limited and is a member of the “nib Group” of companies. These terms and conditions of use apply to all websites and mobile applications operated by members of the nib Group (referred to as “nib” in these terms and conditions).

Bound by use

By accessing any nib websites, (including www.nib.co.nz and www.nibfirstchoice.co.nz) or by downloading and/or using nib’s mobile applications, (“website and mobile applications”) you agree to the following terms and conditions and our Privacy Policy.

nib may change or update these terms and conditions at any time without prior notice. Your continued use of the website and/or mobile applications is deemed acceptance of the version of the terms current at the time you use the website or mobile application. These terms and conditions were last updated on 21 June 2024.

These terms and conditions are in addition to, and do not replace, any specific terms and conditions applicable to any nib product, service, marketing and/or promotion.

All dollar figures stated in our website including premiums and benefits, are in New Zealand dollars and include goods and services tax (where applicable).

Use of nib’s website and mobile application

You are granted a non-exclusive licence to access the website and mobile applications and the information they contain solely for your own personal use. By accessing the website and mobile applications you agree not to use the website and/or mobile applications for any commercial or competitive advantage; any illegal, defamatory or objectionable purpose; or any purpose which brings or could bring nib’s reputation into disrepute.

You also agree not to decompile, reverse engineer or try to decompile or reverse engineer any part of the website, including the secure sites. You must not:

• tamper with, hinder the operation of or make unauthorised modifications to the website or mobile applications;
• knowingly transmit any virus or other disabling feature to this the website or mobile applications; or
• attempt any of the above acts or permit another person to do any of the above acts.

Anyone found breaching the user rights will be prosecuted to the full extent of the law.

General disclaimer

Although all reasonable care has been taken in producing the information contained on the website and mobile applications, it is of a general nature only, and does not take into account any individual’s particular circumstances, financial, medical or otherwise. Certain information may be selective, and nib advises that it may not be complete for the purposes of any individual or company.

While we try to ensure that the content of the website and mobile applications is up to date and free from error, to the maximum extent permitted by law we do not give any guarantee or other assurance of the currency of any information or its accuracy, adequacy, completeness or suitability for your intended use. The website and mobile applications are not intended to provide a substitute for comprehensive or specific professional advice. You should not act in reliance upon any information contained on the website or mobile applications without first obtaining professional, independent advice relevant to your individual circumstances. By accessing the website and mobile applications, you confirm you have taken such advice or decided against it.

Liability

To the fullest extent legally possible, neither nib, or its directors, employees, agents, independent contractors, nor any other person, accepts any liability or responsibility for any loss, damage, cost or expense (including but not limited to financial loss, loss of revenue, loss of profits or savings, indirect or consequential losses) arising in contract, tort (including negligence) or otherwise, that may result from any error, omission or misrepresentation on the website or mobile applications or reliance on information contained on the website or mobile applications or from any use of or access to the website or mobile applications.

nib makes no representation or warranty about the accuracy or completeness of information and to the maximum extent permitted by law accepts no liability or responsibility in respect of errors in or omissions from information contained on the website and mobile applications, to the extent permitted by law.

To the fullest extent legally possible, we exclude every warranty and condition of any kind that might otherwise apply in relation to the website and mobile applications, their content and functions. nib’s liability for breach of any warranty implied into these terms and conditions by statute which cannot be excluded is limited to the supply of that part of the application again or, at nib’s option, the payment of the costs of having an equivalent service supplied again.

Links

Information may be contained on the website and mobile applications about the products or services of third parties. nib makes no representation or warranty as to the quality of any of those products or services or their suitability to your circumstances.

From time to time the website and mobile applications may contain links to other websites. These links are provided for convenience only, and do not represent any endorsement, approval or representation by nib of the products or services offered by the site owner. nib makes no representations and accepts no responsibility or liability in relation to the contents of any website linked to the website and mobile applications that is not under the direct control of nib.

Changes to content

You may not do anything or permit anything to be done which may alter the website or mobile applications, or interfere with or affect the operation of the website or mobile applications.

You may not do any of the following to the website or mobile applications:

• adding or removing any information;
• linking it to or from another website or mobile application;
• distributing any part to any other person; or
• copying any part for any commercial or illegal purpose.

Any person wishing to link to the website or mobile applications may request to do so by emailing us at [email protected].

Viruses and cookies

Although all reasonable care has been taken to prevent the introduction of viruses and other destructive materials on the website and mobile applications, nib does not guarantee that the website or mobile applications are free from such destructive features. nib accepts no responsibility or liability in relation to any harm attributable to such destructive features. If you rely on any materials available through the website or mobile applications, you do so at your own risk.

Cookies are small data files that a website or mobile application sends to a user’s computer or device. nib may use cookies on its website and mobile applications from time to time, by passing a unique ID between your computer or device and the nib website or mobile application that identifies you. The practice of holding sensitive data in cookies is avoided. Cookies are either automatically removed at completion of the browser session or are set to expire after a predefined period.

When you visit the website or mobile application, your usage information is tracked using cookies and analysed by an analytics and optimisation service. The information collected may include:

• your server address;
• your domain name;
• the date and time you visited nib’s website;
• the pages you accessed;
• the previous sites you visited;
• the type of Internet browser you used; or
• the type of operating system and device you used.

Site access

nib does not guarantee the continued availability of the website, the mobile applications or the continuation of services provided by the website and mobile applications. Access to any saved information may be interrupted, restricted, delayed or unavailable from time to time. nib accepts no responsibility or liability in relation to any loss suffered in these circumstances.

Intellectual property rights

Intellectual property rights in the website and mobile applications (including copyright in the information, images, screens, web pages, logos and brands) and the general content of the website and mobile applications are the property of nib or its licensors. The information may not be copied or reused (other than as expressly intended by this website and mobile applications) without the prior written consent of nib. In particular, in no circumstances should the nib or Kiwi Insure brand or logo be used without the written consent of nib.

Although you may download the information on the nib website or mobile applications for your personal, non-commercial use, you must not modify, copy, reproduce, republish, frame, upload, post, transmit or distribute that information in any other way without nib’s prior written consent.

New Zealand law

Unless otherwise stated, the content of the website and mobile applications has been prepared in accordance with New Zealand law for the supply of products and services to persons resident in New Zealand only. Unless otherwise stated, references to any currency are to New Zealand dollars.

The content of the website, the mobile applications, and these terms and conditions are governed by and construed in accordance with New Zealand law and New Zealand Courts have jurisdiction.

Comments and complaints

If you would like to make any comments or complaints about the website, the mobile applications or any of the information or services available on the website and mobile applications, please contact us by emailing [email protected]. We will try to resolve any complaint as soon as possible.

Security

No data transmission over the internet can be guaranteed as totally secure. In designing the website and mobile applications, nib has incorporated security procedures and practices that we consider are consistent with New Zealand industry practice. We review our security procedures from time to time and update these when relevant. Pages on the website and mobile applications that require the mandatory entry of personal information and/or username and password are protected by 128-bit encryption. The username, password and personal data are encrypted when transiting over the internet which prevents tampering with these details. Whilst nib takes reasonable steps to protect information you transmit to nib through the website or the mobile applications, nib does not warrant and cannot ensure the security of any information which you transmit to nib. Accordingly, any information which you transmit to nib is transmitted at your own risk.