Terms of use

The terms on which you may use QuoteHub and our services.

Nature of the service

QuoteHub is a comparison and introduction service. We provide general information about insurance and KiwiSaver and connect you with a licensed New Zealand Financial Advice Provider. Content on this website is for general information only and does not constitute personalised financial advice. QuoteHub does not itself provide financial advice.

Any personalised financial advice is provided by the partner firm you are introduced to: Smiths Insurance & KiwiSaver (Craig Smith Business Services Limited, FSP 712931) or Naked Finance (Naked Finance Limited, FSP 735471). Each is a licensed Financial Advice Provider subject to its own disclosure, its duties under the Financial Markets Conduct Act 2013, and its own dispute-resolution scheme. You should not rely on this website as a substitute for advice tailored to your situation.

Accuracy

We aim to keep information on this site accurate and up to date. For product-specific terms, exclusions, and conditions, you must refer to the relevant insurer's Product Disclosure Statement (PDS) and policy documents. We do not guarantee that general guidance on the site will apply to every product or situation.

Consumer rights

Where we supply services to you as a consumer, the Consumer Guarantees Act 1993 (CGA) applies. Our services will be carried out with reasonable care and skill and will be fit for the purpose made known to us. Nothing in these terms limits or excludes your rights under the CGA where it is not fair and reasonable to do so.

Limitation of liability

To the extent permitted by law (including the CGA), our liability for any loss or damage arising from your use of this website or our services is limited. We are not liable for indirect, consequential, or special loss, or for reliance on general information on the site where you have not received formal advice. Where the CGA applies, our liability remains subject to your statutory rights.

Intellectual property

All content on this website (text, graphics, logos, layout) is owned by us or our licensors and is protected by copyright and other intellectual property laws. You may view and print content for your personal, non-commercial use only. You must not copy, modify, distribute, or use our content for commercial purposes without our written permission.

Your obligations

When you provide information to us (e.g. for a quote or advice), you must ensure it is accurate and complete. Providing false or misleading information can affect your cover and claims. You are responsible for keeping your contact details up to date.

Third-party links

This website may contain links to third-party sites (e.g. insurers, regulators). We do not control those sites and are not responsible for their content or privacy practices. Linking does not imply endorsement. Use third-party sites at your own risk.

Privacy

Your use of QuoteHub is also governed by our Privacy policy, which explains how we collect, use, and protect your personal information.

Dispute resolution

If you have a complaint about our service, please contact us first. If we cannot resolve it, you may refer the matter to our external dispute resolution scheme (e.g. IFSO). That service is free for consumers. We will provide scheme details when you engage with us or when you complain.

Governing law

These terms are governed by the laws of New Zealand. The New Zealand courts have non-exclusive jurisdiction over any dispute arising from or relating to these terms or your use of QuoteHub.

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