Terms of Use

1. Nature of This Service

LivestockInsurance.co.nz is an insurance referral service. We connect farmers and livestock owners with licensed rural insurance advisers and brokers. We are not an insurer, underwriter, or Financial Advice Provider (FAP). We do not provide regulated financial advice and we are not regulated by the Financial Markets Authority (FMA) in relation to financial advice.

The advisers and brokers we refer you to are independently licensed FAPs under the Financial Markets Conduct Act 2013 and are responsible for any advice they provide.

2. Information on This Website

All content on this Website — including coverage descriptions, pricing guides, blog articles, FAQs, and provider comparisons — is provided as general information only. It does not constitute financial advice, is not tailored to your individual circumstances, and should not be relied upon when making insurance decisions.

We make reasonable efforts to ensure content is accurate and up to date, but we make no warranties or representations as to the accuracy, completeness, or currency of any information on this Website. Insurance products and pricing change regularly — always confirm current details with a licensed adviser.

3. Referral Relationship

When you submit an enquiry through this Website, your details are passed to one or more licensed rural insurance advisers in our referral network. We may receive a referral fee from these advisers. This fee is paid by the adviser and does not increase any premium you pay.

We do not guarantee that an adviser will be able to arrange insurance cover for your specific requirements. Cover is subject to the insurer's underwriting criteria and acceptance.

4. Your Obligations

When using this Website, you agree to:

• Provide accurate and complete information in any enquiry or form submission
• Use this Website only for lawful purposes and in accordance with these terms
• Not attempt to interfere with the operation of this Website or its underlying systems
• Not use automated means to access, scrape, or extract content from this Website without our prior written consent

5. Intellectual Property

All content on this Website — including text, images, logos, and layout — is owned by or licensed to Cover4You Group. You may view and print content for personal, non-commercial use. You may not reproduce, republish, distribute, or commercially exploit any content from this Website without our prior written permission.

6. Third-Party Links

This Website contains links to third-party websites including insurance providers, industry bodies, and government agencies. These links are provided for convenience and informational purposes only. We are not responsible for the content, accuracy, or availability of third-party websites, and linking to them does not imply endorsement.

7. Limitation of Liability

To the maximum extent permitted by law, Cover4You Group and its officers, employees, and representatives are not liable for any direct, indirect, incidental, or consequential loss or damage arising from your use of this Website or reliance on any information contained on it. This includes (without limitation) loss arising from decisions made on the basis of general information on this site rather than advice from a licensed adviser.

Nothing in these terms limits liability for death or personal injury caused by negligence, or for any other liability that cannot be excluded by law.

8. Privacy

Your use of this Website is also governed by our Privacy Policy, which is incorporated into these terms by reference. By using this Website, you consent to our collection and use of your information as described in that policy.

9. Amendments

We may update these Terms of Use from time to time. Updated terms will be posted on this page with a revised “Last updated” date. Continued use of this Website after any changes constitutes your acceptance of the updated terms.

10. Governing Law

These terms are governed by the laws of New Zealand. Any disputes arising from your use of this Website or these terms are subject to the exclusive jurisdiction of the New Zealand courts.

11. Contact

For questions about these terms, contact us at: hello@cover4you.co.nz