Terms and conditions
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.
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.
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.
