Terms of Service

These Terms of Service ("Terms") apply to your use of BoatCoverage.co.nz (the "Site"). The Site is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA) in New Zealand ("we", "us", "our"). By using the Site you agree to these Terms.

1. Nature of the service

BoatCoverage.co.nz is an information and lead-generation website for boat insurance in New Zealand. Submitting a quote request connects you with insurance brokers or insurers who can provide quotes for your boat. We are not the insurer and we do not issue policies.

2. Information is general only

Information published on the Site is general in nature and does not constitute personalised financial advice. Any opinions, examples, or scenarios on the Site are illustrative only and may not be suitable for your circumstances. Before purchasing any insurance product, read the policy wording and product disclosure statement carefully and consider whether the product is appropriate for you. If you require personalised financial advice, please request a quote and speak with a licensed financial adviser.

3. No warranty of completeness

We take care to keep information on the Site accurate and up to date. We do not warrant that the information is complete, accurate, or current at all times. Insurer offerings, policy wordings, and pricing can change. To confirm any factual information about a specific insurer, refer directly to that insurer's website or product disclosure statement.

4. Acceptable use

You agree not to:

• Submit false, misleading, or fraudulent information through any form on the Site
• Use automated tools (scrapers, bots) to access or copy content
• Attempt to compromise the security or availability of the Site
• Use the Site in any way that breaches New Zealand law

5. Intellectual property

Content on the Site, including text, graphics, layout, and logos, is owned by or licensed to Evolve Group Limited and is protected by copyright. You may view and print content for personal use but may not reproduce, distribute, or commercially exploit it without prior written permission.

6. Third-party links

The Site may link to third-party websites (for example, insurer websites and product disclosure statements). We do not control those sites and are not responsible for their content or practices.

7. Liability

To the extent permitted by law, we exclude liability for any loss or damage arising from your use of the Site or reliance on its general information. Nothing in these Terms excludes or limits any rights you have under the Consumer Guarantees Act 1993 or the Financial Markets Conduct Act 2013 that cannot be lawfully excluded.

8. Complaints and dispute resolution

If you have a complaint about our service, please follow our Complaints process.

9. Governing law

These Terms are governed by New Zealand law. Any disputes will be subject to the exclusive jurisdiction of the New Zealand courts.

10. Changes to these Terms

We may update these Terms from time to time. The "Last updated" date at the top of the page reflects the most recent change. Continued use of the Site after a change indicates acceptance of the updated Terms.