Terms of use



1.   Disclaimer

2.   Jurisdiction

3.   Currency

4.   Intellectual Property Rights

5.   User Conduct

6.   Collection of Anonymous, Passive Information

7.   Use and Disclosure of Anonymous, Passive Information

8.   Use of 3rd Party Cookies – Analytics

9.   Links

10. Changes to our Terms of Use


1. Disclaimer

This website is provided as a service of DPL Insurance Limited (DPL). The information provided on this website is general information only and has been prepared without taking into account your objectives, financial situation or needs. Therefore before you act on it you should consider the appropriateness of any product, having regard to your own situation.

Whilst we have taken every care in the preparation, and maintenance, of the content of this website, we disclaim, to the extent permitted by law, all liability or responsibility to any person for any direct or indirect loss or damage that may result from the action or failure to act by any person in reliance on any information provided.

If you choose to purchase a policy via this website you are entering into a contract with DPL.  You should carefully read any documentation you receive from the Insurer to ensure you understand the terms and conditions of the policy you purchase.  If you have any questions please contact us as soon as possible within the free look period provided by your policy.


2. Jurisdiction

Unless otherwise specified, the information on this website has been prepared in accordance with New Zealand law for the supply of products and services to persons resident in New Zealand only. The content of this website and any contracts formed with insurers arising out of use of this website are governed by New Zealand law.


3. Currency

All currency amounts on this website are New Zealand dollars.


4. Intellectual Property Rights

DPL own all copyright or other intellectual property rights in the information provided on this website.  No part of this website may be reproduced, transmitted, stored or otherwise dealt with (including in any other website or other electronic form) without our consent, except that you may print or download to your hard drive extracts from the website for your own personal use.

Where there are references throughout this website to various trademarks or service marks these, whether registered or not, are the property of their respective owners.


5. User Conduct

You agree to use this website only for lawful purposes. You agree not to take any action that might compromise the security of the website, render the website inaccessible to others or otherwise cause damage to the website or the content. You agree not to add to, subtract from, or otherwise modify the content, or to attempt to access any content that is not intended for you. You agree not to use the website in any manner that might interfere with the rights of third parties.

We reserve the right to investigate and take appropriate legal action against anyone who, in our sole discretion, violates this provision, including without limitation, reporting you to local law enforcement authorities.


6. Collection of Anonymous, Passive Information

We reserve the right to monitor your use of this website. As you navigate through this website, certain anonymous information may be passively collected (that is, gathered without your actively providing the information) using various technologies, such as cookies, Internet tags or web beacons, and navigational data collection (log files, server logs, clickstream).

For example, as explained in more detail below, your Internet browser automatically transmits to this website some of this anonymous information, such as the URL of the website you just came from and the Internet Protocol (IP) address and the browser version your computer is currently using.

This website may also collect anonymous information from your computer through cookies and Internet tags or web beacons. You may set your browser to notify you when a cookie is sent or to refuse cookies altogether, but certain features of this website might not work without cookies.

The following is a listing and a brief explanation of passive information collection methodologies which we may use from time to time to better understand how this website is being used.

A “cookie” is a bit of information that this website sends to your Web browser which helps us remember information about you and your preferences.

“Session” cookies are temporary bits of information that are used to improve navigation, block visitors from providing information where inappropriate (the website “remembers” previous entries of age or country of origin that were outside the specified parameters and blocks subsequent changes), and collect aggregate statistical information on the website. They are erased once you exit your Web browser or otherwise turn off your computer.

Persistent” cookies are more permanent bits of information that are placed on the hard drive of your computer and stay there unless you delete the cookie. Persistent cookies store information on your computer for a number of purposes, such as retrieving certain information you have previously provided, helping to determine what areas of the website you may find most valuable, and customising the website based on your preferences on an ongoing basis. Persistent cookies placed by this website in your computer do not hold Personal Information.

You can set your browser to accept all cookies, to reject all cookies, or to notify you whenever a cookie is offered so that you can decide each time whether to accept it. To learn more about cookies and how to specify your preferences, please search for “cookie” in the “Help” portion of your browser.

An Internet Protocol (IP) address is a number assigned to your computer by your Internet service provider so you can access the Internet and is generally considered to be non-personally identifiable information, because in most cases an IP address is dynamic (changing each time you connect to the Internet), rather than static (unique to a particular user’s computer). The IP address can be used to diagnose problems with a server, report aggregate information, determine the fastest route for your computer to use in connecting to a website, and administer and improve the website.

Internet tags” (also known as Web Beacons, single-Personal Information xel GIFs, clear GIFs, invisible GIFs, and 1-by-1 GIFs) are smaller than cookies and tell the Web website server information such as the IP address and browser type related to the visitor’s computer. Tags may be placed both on online advertisements that bring people to the website and on different pages of the website. Such tags indicate how many times a page is opened and which information is consulted.

Navigational data” (log files, server logs, and clickstream data) are used for system management, to improve the content of the website, market research purposes, and to communicate information to visitors.

7. Use and Disclosure of Anonymous, Passive Information

This website may make full use of passively collected anonymous information through the collection methods described above for our own internal operational purposes, including without limitation the right to use such information to provide better service to website visitors, customise the website based on your preferences, compile and analyse statistics and trends, and otherwise administer and improve this website for your use. We reserve the right to share this information in the same manner as provided in our Privacy Policy.


8. Use of 3rd Party Cookies – Analytics

This website reserves the right to use web analytics services provided by third parties, such as the Google™ Analytics service by Google, Inc. These services use cookies (sometimes referred to as 3rd party cookies) which are text files placed on your computer, to help us analyse how users use this website. The information generated by the cookie about your use of this website (including your IP address) will be transmitted to and stored by the service provider. We will use this information for the purpose of evaluating your use of this website, comparing reports on website activity for website operators, and providing other services relating to website activity and internet usage. These services may also transfer this information to third parties where required to do so by law, or where such third parties process the information on the service’s behalf. These services will not associate your IP address with any other data held by an analytics service provider. You may refuse the use of cookies by selecting the appropriate settings on your browser; however, please note that if you do this you may not be able to use the full functionality of this website. By using this website, you consent to the processing of data about you by third party analytics services in the manner and for the purposes set out above.


9. Links

This website contains hypertext links to other internet websites. We do not verify or monitor such websites and accept no responsibility or liability in relation to any content or any other matter on any other website.  You acknowledge and agree that your use of any linked websites is at your own risk and is governed in accordance with the terms and conditions which each linked website imposes.

Please remember that when you use a link to go from this website to another website, our Privacy Policy is no longer in effect. Your browsing and interaction on any other website, including websites which have a link to this website, is subject to that website’s own rules and policies. Please read over those rules and policies before proceeding.


10. Changes to our Terms Of Use

We reserve the right to modify our Terms Of Use at any time, and without prior notice, by posting an amended Terms Of Use page that is always accessible by clicking on the “Terms Of Use” link on this website’s home page. Your continued use of this website indicates your acceptance of the amended Terms Of Use.