Comparesies' Disclaimer

We operate as an unbiased comparison service supported by advertising. Our objective is to assist you in making informed financial choices by offering interactive tools, unbiased and original content, and the ability to freely research and compare information. This empowers you to make financial decisions with confidence.

Comparesies.com is an independent comparison website which compares different types of insurances and online services.

The information on Comparesies.com is presented "as is" for general informational purposes only. It does not constitute advice, nor does any part of the content form an open offer capable of establishing the basis of a contract with Comparesies.

Comparesies endeavors to ensure the accuracy and currency of the information on this website. However, Comparesies does not guarantee or warrant that any information provided is 100% accurate, timely, complete, or relevant to the resolution of any issues that visitors may encounter. To the extent permitted by law, Comparesies disclaims all warranties, whether express or implied, including those of merchantable quality or fitness for a particular purpose, concerning the publication of any information.

At times, Comparesies may incorporate statements, opinions, or views from third parties. While Comparesies may occasionally mention a specific provider, product, or service by name, such references do not constitute an endorsement by Comparesies. Comparesies disclaims any and all liability or responsibility for errors, inaccuracies, omissions, misleading, or defamatory content.

The product names, logos, brands, and other trademarks mentioned on Comparesies' website are the property of their respective trademark holders, who do not endorse our materials. Comparesies explicitly disclaims liability for any loss or damage arising from the use of this website or any information or services provided through it. Comparesies reserves the right to update, amend, or change the content of this website without notice.

The Terms of Use below are applicable to your use of Comparesies' website.

1.  
   1. These Terms are applicable to your utilization of the Website. Upon accessing and utilizing the Website:
      1. You are in agreement with these Terms; and
      2. if your access and usage represent another individual or entity (e.g., a company), you affirm that you possess the authority to agree to these Terms on their behalf. By consenting to these Terms on their behalf, the said individual or entity becomes legally bound by these Terms.
   2. If you do not consent to these Terms, you are not granted permission to access and use the Website, and you must promptly cease such activities.

1. We reserve the right to modify these Terms at any time by updating them on the Website. Unless explicitly stated otherwise, any alterations become effective immediately. It is your responsibility to stay acquainted with the latest Terms. By continuing to access and use the Website, you indicate your acceptance of the modified Terms.
2. We retain the right to alter, suspend, terminate, or limit access to the Website without prior notice or assuming liability.
3. These Terms were most recently revised on December 2nd, 2023.

In these Terms:

1.  
   1. The use of terms such as "including" and similar words does not imply any limit.
   2. "Loss" incorporates the loss of profits, savings, revenue, or data, as well as any other claim, damage, loss, liability, and cost, including legal costs on a solicitor and own client basis.
   3. "Personal information" refers to information about an identifiable, living person.
   4. "Terms" denotes these terms and conditions titled Website Terms of Use.
   5. "Underlying System" encompasses any network, system, software, data, or material that underlies or is connected to the Website.
   6. "User ID" signifies a unique name and/or password assigned to you for accessing specific parts of the Website.
   7. We, us or our means Comparesies AB

"Website" denotes www.comparesies.com

You refers to you or, if clause 1.1b applies, both you and the other person on whose behalf you are acting.

1.  
   1. You must provide true, current and complete information in your dealings with us (including when setting up an account), and must promptly update that information as required so that the information remains true, current and complete.
   2. If you are given a User ID, you must keep your User ID secure and:
      1. not permit any other person to use your User ID, including not disclosing or providing it to any other person; and
      2. immediately notify us if you become aware of any disclosure or unauthorised use of your User ID, by sending an email.
   3. You must:
      1. Refrain from actions or the introduction of anything that compromises, or may compromise, the Website or any Underlying System. This includes any attempt to damage or interfere with the Website or any Underlying System.
      2. Access the Website solely via standard web browsers unless otherwise agreed upon by us. Other methods, such as scraping, deep-linking, harvesting, data mining, use of a robot or spider, automation, or similar data gathering methods, are not permitted without our agreement..
   4. Obtain our written permission to establish a link to our Website. If you wish to do so, send your request by.
   5. Indemnify us against any Loss we suffer or incur due to your failure to comply with these Terms, including any failure of a person who accesses and uses our Website using your User ID.

We (and our licensors) hold all proprietary and intellectual property rights in the Website, including all information, data, text, graphics, artwork, photographs, logos, icons, sound recordings, videos, and the overall look and feel, as well as the Underlying Systems.

1.  
   1. To the extent permitted by law, we and our licensors bear no liability or responsibility to you or any other person for any Loss in connection with:
      1. the Website being unavailable (in whole or in part) or performing slowly;
      2. any error in, or omission from, any information made available through the Website;
      3. any exposure to viruses or other forms of interference which may damage your computer system or expose you to fraud when you access or use the Website. To avoid doubt, you are responsible for ensuring the process by which you access and use the Website protects you from this; and
      4. any site linked from the Website. Any link on the Website to other sites does not imply any endorsement, approval or recommendation of, or responsibility for, those sites or their contents, operations, products or operators.
   2. We make no representation or warranty that the Website is appropriate or available for use in all countries or that the content satisfies the laws of all countries. You are responsible for ensuring that your access to and use of the Website is not illegal or prohibited, and for your own compliance with applicable local laws.

1. To the fullest extent allowed by law:
   1. Your access and use of the Comparesies Website are undertaken at your own risk
   2. We, Comparesies, are not liable or responsible to you or any other individual for any Loss under or in connection with these Terms, the Website, or your access and use of (or inability to access or use) the Website. This exclusion remains applicable whether our liability or responsibility arises in contract, tort (including negligence), equity, breach of statutory duty, or otherwise.
2. Except to the extent permitted by law, these Terms do not have the effect of exempting us from the New Zealand Consumer Guarantees Act 1993 or any other consumer protection law that cannot be excluded. If our liability cannot be excluded but can be limited, our liability is capped at NZD100.
3. To the maximum extent permitted by law, and only to the extent that clauses 7.1 and 7.2 of these Terms do not apply, our total liability to you in connection with these Terms, the Website, or your access and use of (or inability to access or use) the Website must not exceed NZD100.

1. You are not obligated to provide personal information to us; however, in certain cases, not doing so may result in certain sections of the Comparesies Website being unavailable to you. For instance, your contact information may be necessary to provide updates from our Website.
2. When you furnish personal information to us, we will adhere to the New Zealand Privacy Act 2020.
3. The personal information you provide, including details submitted during account registration, is collected for communication purposes, statistical analysis, marketing our products and services to you, credit checks (if necessary), and research and development..
4. We may also gather technical information each time you log on to or visit the public version of our Website. This may involve details about how users arrive at, browse through, and interact with our Website. Such technical information is collected through the use of cookies and other means. Cookies, alphanumeric identifiers transferred to your computer’s hard drive, enable our systems to recognize your browser. If you wish to disable cookies, you can do so by adjusting your browser settings. However, disabling cookies may impact your ability to use all functions on the Website. We utilize the technical information we collect to gain a better understanding of how people use our Website, enhance its functionality, and personalize it to be more pertinent and useful to your specific needs. Additionally, we may use this information to tailor the advertising displayed on the Website to be more personalized and relevant to your interests..
5. Generally, we do not disclose personal information to third parties for their own purposes. However, circumstances in which we may do so include:
   1. Engagement with service providers and others collaborating with us to make the Website available or enhance its functionality (e.g., utilizing a third-party supplier to host the Website);
   2. In relation to the proposed purchase or acquisition of our business or assets.
   3. Where required by applicable law or any court, or in response to a legitimate request by a law enforcement agency.
6. Any personal information you provide to us may be stored on the secure servers of our trusted service providers, potentially located outside New Zealand. This may involve the transfer of your personal information to countries that have less legal protection for personal information than New Zealand.
7. You have the right to request access to and correction of any personal information we hold about you. To exercise these rights, please email us.

Without prejudice to any other right or remedy available to us, if we believe that you have breached these Terms or if we otherwise consider it appropriate, we may immediately, and without notice, suspend or terminate your access to the Comparesies Website (or any part of it). Upon suspension or termination, you must immediately cease using the Website and refrain from attempting further access.

1. If we need to contact you, we may do so via email or by posting a notice on the Comparesies Website. You agree that this satisfies all legal requirements concerning written communications.
2. These Terms, as well as any dispute relating to them or the Comparesies Website, are governed by and must be interpreted in accordance with the laws of New Zealand. Each party submits to the non-exclusive jurisdiction of the Courts of New Zealand regarding any dispute connected with these Terms or the Comparesies Website.
3. For us to waive a right under these Terms, the waiver must be in writing.
   Clauses intended to survive termination of these Terms, including clauses 4.5, 5, 6, 7, 10.1, remain in force.
4. If any part or provision of these Terms becomes illegal, unenforceable, or invalid, that part or provision is deemed modified to the extent required to remedy the illegality, unenforceability, or invalidity. If modification is not possible, the part or provision must be treated as severed from these Terms, with the remainder remaining binding.
5. These Terms constitute the entire agreement between the parties regarding your use of the Comparesies Website, superseding and canceling any prior discussions, exchanges, or agreements. The parties have not relied on any representation, warranty, or agreement relating to the Website that is not expressly set out in the Terms, and no such representation, warranty, or agreement has any effect from the date you agreed to these Terms.