Terms & Conditions

Effective Date: 1st May 2024

Welcome to New Horizonz Insurance Service Company. By accessing or using our services, you agree to comply with and be bound by the following terms and conditions. Please read them carefully.

1. Definitions

• "Company" refers to New Horizonz Insurance Service Company.
• "Client" refers to any individual or entity purchasing or using the Company's services.
• "Services" refers to the insurance products and related services provided by the Company.

 

2. Acceptance of Terms

By using our Services, you agree to these Terms & Conditions. If you do not agree with any part of these terms, you should not use our Services.

 

3. Modification of Terms

The Company reserves the right to modify these terms at any time without prior notice. Any changes will be effective immediately upon posting on our website. Your continued use of the Services after any changes constitutes your acceptance of the new terms.

 

4. Services Provided

The Company provides a range of insurance products, including but not limited to life, health, property, and auto insurance. The specific terms and conditions for each product are provided at the time of purchase and are incorporated herein by reference.

 

5. Eligibility

You must be at least 18 years old to purchase or use our Services. By using our Services, you represent and warrant that you meet this age requirement.

 

6. Payment Terms

All payments for the Services must be made in accordance with the payment terms provided at the time of purchase. Failure to make timely payments may result in the termination of your policy or service.

 

7. Cancellation and Refund Policy

• Cancellation: Clients may cancel their insurance policies in accordance with the terms provided in the specific policy document.
• Refunds: Refunds will be provided in accordance with the cancellation policy outlined in the specific insurance product purchased.

 

8. Limitation of Liability

The Company is not liable for any indirect, incidental, special, or consequential damages arising from the use of our Services, even if the Company has been advised of the possibility of such damages.

 

9. Disclaimer of Warranties

The Company provides the Services "as is" without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

 

10. Indemnification

You agree to indemnify and hold harmless the Company, its affiliates, and their respective officers, directors, employees, and agents from any claims, liabilities, damages, and expenses arising from your use of the Services.

 

11. Privacy Policy

Your use of the Services is also governed by our Privacy Policy, which is incorporated into these Terms & Conditions by reference.

 

12. Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of New Zealand. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts of New Zealand.

 

13. Contact Information

For any questions or concerns regarding these Terms & Conditions, please contact us at bryce@nhib.co.nz