Fair Insurance Code: https://www.icnz.org.nz/fair-insurance-code/
Bound of Use
By accessing the REAL Landlord Insurance NZ Ltd Insurance website, www.rlinz.co.nz, (“the website” or “REAL Landlord Insurance NZ Ltd’s website”) you agree that the following terms and conditions apply to your use of the website.
REAL Landlord Insurance NZ Ltd may change or update the content of the website, including these terms and conditions applicable to the website, at any time without prior notice. In these terms and conditions, all references to ‘we’, ‘us’, ‘our’ and ‘REAL Landlord Insurance NZ Ltd’ are references to REAL Landlord Insurance NZ Ltd and all REAL Landlord Insurance NZ Ltd companies, being its related companies as defined in the Companies Act 1993. These terms and conditions are in addition to, and do not replace, any specific terms and conditions applicable to any REAL Landlord Insurance NZ Ltd product, service, marketing and/or promotion.
Use of REAL Landlord Insurance NZ Ltd’s Website
You are granted a non-exclusive license to access the website and the information it contains. By accessing the website you agree not to use the website for any commercial or competitive advantage; any illegal, defamatory or objectionable purpose; or any purpose which brings or could bring REAL Landlord Insurance NZ Ltd’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. Anyone found breaching the user rights will be prosecuted to the full extent of the law.
Although all reasonable care has been taken in producing the information contained on the website, it is of a general nature only, and does not take into account any individual’s particular circumstances, financial, medical or otherwise. While we try to ensure that the content of the website is up to date and free from error, we do not give any guarantee or other assurance of the currency of any information on the website or its accuracy, adequacy, completeness or suitability for your intended use. The website is 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 without first obtaining professional, independent advice relevant to your individual circumstances. By accessing the website, you confirm you have taken such advice or decided against it.
Accuracy of Information
Information provided on the website is provided in good faith and is derived from sources believed to be reliable and accurate. However, certain information may be selective, and REAL Landlord Insurance NZ Ltd advises that it may not be complete for the purposes of any individual or company.
To the fullest extent legally possible, neither REAL Landlord Insurance NZ Ltd Limited nor any of its related companies, or their 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 reliance on information contained on the website or from any use of or access to the website, nor do they guarantee the performance of any fund or other investment contained or referred to on the website.
REAL Landlord Insurance NZ Ltd makes no representation or warranty about the accuracy or completeness of information and accepts no liability or responsibility in respect of errors in or omissions from information contained on the website, 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, its content and functions.
In providing a quote, REAL Landlord Insurance NZ Ltd may access a third party data service to help facilitate the quotation and purchase process. REAL Landlord Insurance NZ Ltd makes no representation or warranty as to the quality of any of those services or their suitability to your circumstances. It is your responsibility to validate any data that is populated on your behalf.
From time to time the website may contain links to other websites. These links are provided for convenience only, and do not represent any endorsement by REAL Landlord Insurance NZ Ltd of the products or services offered by the site owner. REAL Landlord Insurance NZ Ltd makes no representations and accepts no responsibility or liability in relation to the contents of any website linked to this website that is not under the direct control of REAL Landlord Insurance NZ Ltd.
Changes to Content
You may not do anything or permit anything to be done which may alter the website, or interfere with or affect its operation. This includes, without limitation, removing any information from the website, adding any information to the website, linking it to or from another website, distributing any part of the website to any other person or copying any part of it for any commercial or illegal purpose. Any website providers wishing to link to this site may formally request to do so by emailing us at email@example.com.
Viruses and Cookies
Although all reasonable care has been taken to prevent the introduction of viruses and other destructive materials on the website, REAL Landlord Insurance NZ Ltd does not guarantee that the website is free from such destructive features. REAL Landlord Insurance NZ Ltd 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, you do so at your own risk.
REAL Landlord Insurance NZ Ltd uses ‘first party’ and ‘third party’ (including, but not limited to, Google Analytics) cookies on its website. First party and third party cookies help REAL Landlord Insurance NZ Ltd understand how you engage with our website and enhance your experience while visiting our website. Cookies are small data files that a website host computer sends to a website user’s computer to help it remember information you enter, by passing a unique ID between your computer and the REAL Landlord Insurance NZ Ltd website that identifies you. The practice of holding sensitive data in cookies is avoided.
You can choose to delete or change the settings of your cookies from your internet browser. You can disable Google Analytics on this website by installing the following browser plug in: http://tools.google.com/dlpage/gaoptout
REAL Landlord Insurance NZ Ltd does not guarantee the continued availability of the website or the continuation of services provided on it. Access to the website and to any saved information may be interrupted, restricted, delayed or unavailable from time to time. REAL Landlord Insurance NZ Ltd accepts no responsibility or liability in relation to any loss suffered in these circumstances.
The information, images, screens, web pages, logos and brands on the website and the general content of the website are the property of REAL Landlord Insurance NZ Ltd. The information may not be copied or reused (other than as expressly intended by this website) without the prior written consent of REAL Landlord Insurance NZ Ltd. In particular, in no circumstances should the REAL Landlord Insurance NZ Ltd brand or the REAL Landlord Insurance NZ Ltd logo be used without the written consent of REAL Landlord Insurance NZ Ltd.
The personal information we collect includes your contact details, details of your cover and your insurance history.
We will use your information for insurance related purposes, including:
- Determining whether we can provide cover and on what terms
- Keeping you up to date with details of your cover
- Informing you about any product changes
- Processing any claims you may make
We and our third party business partners will also use your information for marketing purposes, including keeping you up to date on the full range of services we offer. If you do not wish to receive this information you can let us know by emailing firstname.lastname@example.org.
If you don’t provide us with your personal information we may not be able to provide you with cover or process your claim. You may request access to, or correction of the information we hold about you.
The information you provide will be stored physically or electronically (including via cloud storage) by us or our suppliers in New Zealand or elsewhere. We will take reasonable steps to ensure that any personal information that we collect is stored securely.
Information in relation to your insurance may be disclosed to or obtained from other parties with an interest in your insurance, including REAL Landlord Insurance NZ Ltd, our business partners, your financiers and the insurance industry (including the Insurance Claims Register). You confirm that you have the authorisation to give any information that you provide to us about someone else.
We encourage you to review this policy on a regular basis as it may be updated in the future.
The Privacy Officer
REAL Landlord Insurance NZ Limited
PO Box 1167
New Zealand Law
With the exception of parts of the website, unless otherwise stated, the content of the website has been prepared in accordance with New Zealand law for the supply of products and services to persons. Unless otherwise stated, references to any currency are to New Zealand dollars.
The content of the website, 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 or any of the information or services available on the website, please contact us. We will try to resolve any complaint as soon as possible.
In designing the website, REAL Landlord Insurance NZ Ltd 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 that require the mandatory entry of personal information and/or user name 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.