Terms, Conditions & Privacy

This web site is owned and operated by TIB Ltd, PO Box 36 346, Northcote, Auckland.

Please read this carefully

Access to this web site is subject to these conditions and other notices posted on this web site. If you do not agree to these conditions, you must not access this web site. Your continued use of this web site constitutes an affirmative acknowledgment and agreement that you accept and agree to be bound by these conditions and any modifications. TIB Ltd may change these conditions without notice to you. You should periodically visit this page to check for the latest version of these conditions to which you are bound.

Disclaimer

TIB Ltd believes that all the information contained on this web site is correct at the time of posting the information. However, no warranty is made as to the accuracy or reliability of the information contained herein.

Unless expressly given in writing, TIB Ltd makes no representations, warranties or endorsements in relation to any products, services or information advertised or provided in or through this web site.

You should not rely on anything in this web site as a quoted price for an insurance policy or any other product sold by TIB Ltd. Unless expressly stated otherwise in writing, prices are indicative only.

Financial Advice

TIB Ltd does not offer any financial advice or products directly through this web site. All information on this web site is of a general nature only and you should not rely on anything in this web site as a substitute for professional or financial advice that is specific to your needs and circumstances.

For information on financial products offered or sold by TIB Ltd you should contact TIB Ltd by phone on 360 4219 or by email to: info@tib.co.nz.

© Copyright

The material on and accessible through this web site is copyright. No part or parts of this web site may be reproduced, distributed, republished, displayed, broadcast, hyperlinked, stored in any retrieval system or transmitted in any manner without the prior written permission of TIB Ltd or the relevant copyright owner. TIB Ltd grants you permission to download and/or display copyright materials for private, non-commercial purposes only provided that you do not remove the copyright owner’s notice and name from the materials when the material is reproduced or quoted, in whole or in part.

We specifically prohibit you from scraping this web site or using any other automated method to copy and reproduce any part of our web site for establishing, maintaining or publishing your own web site or other publications. Software that operates parts of this web site may be proprietary software and you must not copy, reverse engineer or modify it.

© TM Trade Marks

The trade marks, service marks and logos (“Trade Marks”) used in this web site are registered and unregistered Trade Marks of TIB Ltd and/or other third parties. Nothing displayed on this web site should be construed as granting any licence or right of use of any Trade Mark displayed on this web site, without the express written permission of the relevant owner.

Your conduct on the web site

As a condition of your use of this web site, you warrant to us that you will not use this web site for any purpose that is unlawful or prohibited by these conditions or any other terms, conditions or notices appearing anywhere on this web site. You agree to abide by all applicable laws and regulations.

In particular, you agree not to: (i) use any automated scripting tools or software, robots, crawlers, spiders or similar devices; (ii) impersonate any person or entity; (iii) upload, post, e-mail, transmit or otherwise make available using this web site any material that is threatening, libellous, defamatory, obscene, scandalous, inflammatory, pornographic or profane or material that you do not have a right to make available under any law or contractual obligation or which contains viruses, or other computer codes, files or programs designed to interrupt, limit or destroy the functionality of other computer software or hardware; or breach any applicable laws or regulations; and (iv) do anything on or using our web site that would expose us to any civil or criminal liability, sanction or action.

You will indemnify TIB Ltd if TIB Ltd suffers any loss or damage or incurs any costs in connection with any breach of these conditions or any other legal obligation by you or your use of or conduct on this web site.

Advertisements and links to third parties

Hyperlinks and pointers to web sites operated by third parties will appear on this web site from time to time and their placement does not carry any endorsement from TIB Ltd. Those web sites do not form part of our web site and are not under the control of TIB Ltd. We have no responsibility and take no responsibility for the contents of any such linked web site. If you link to any such web sites you do so entirely at your own risk.

Limitation of liability

TIB Ltd does not exclude any rights and remedies available to you under the Fair Trading Act 1986 (NZ), the Consumer Guarantees Act 1993 (NZ) or any other legislation that cannot be excluded, restricted or modified. Otherwise, TIB Ltd excludes all conditions and warranties that may be implied by law.

To the extent permitted by law, no warranty of any kind, implied, express or statutory (including but not limited to the warranties of title, merchantable quality, fitness for purpose, non-infringement of third party rights, freedom from computer virus) is given in relation to the information in this web site. To the furthest extent permitted by law, TIB Ltd disclaims all liability and responsibility for any direct or indirect loss or damage which may be suffered by you as a result of relying on anything contained in or omitted from this web site.

You expressly agree and understand that in no circumstances will TIB Ltd be liable to you for any indirect, incidental, special and/or consequential losses or damages or loss of profits of whatever nature howsoever arising (including but not limited to negligence and any act or omission by TIB Ltd) which result from (i) the use of or access to or any inability to use or access our web site; (ii) unauthorised access to or alterations of your transmissions or data; or (iii) statements or conduct of any third party on our web site.

Applicable law

Our web site is located in New Zealand. Our web site, your use thereof, and any conditions, legal notices and additional terms are governed by and construed in accordance with the laws of New Zealand and you agree to submit to the exclusive jurisdictions of the courts of New Zealand.

Internet Privacy Statement

tib.co.nz is a web site of TIB Ltd (“We”, “our” and “us” in this Internet Privacy Statement). By using this site, you agree to the Internet Privacy Statement of our www.tib.co.nz web site (“the Web Site”), which is set out below. The Internet Privacy Statement relates to the collection and use of personal information you may supply to us through your conduct on the Web Site.

We are bound by the Information Privacy Principles in the Privacy Act 1993 (“New Zealand Privacy Act”).

We reserve the right, at our discretion, to modify or remove portions of this Internet Privacy Statement at any time. This Internet Privacy Statement is in addition to any other terms and conditions applicable to our Web Site. We do not make any representations about third party web sites that may be linked to the Web Site. This Internet Privacy Statement is also separate from the Privacy Policy of TIB Ltd, which is available from our Privacy Officer upon request.

We recognise the importance of keeping private the information collected about visitors to our sites, in particular information that is capable of identifying an individual (“personal information”). This Internet Privacy Statement governs the manner in which your personal information, obtained through the Web Site, will be dealt with. This Internet Privacy Statement should be reviewed periodically so that you are updated on any changes. We welcome your comments and feedback.

Personal Information

Personal information about visitors to our Web Sites is collected only when knowingly and voluntarily submitted. For example, we may need to collect such information to provide you with further services or to answer or forward any requests or enquiries. It is our intention that this statement will protect your personal information from being dealt with in any way that is inconsistent with applicable privacy laws in New Zealand.

We usually share personal information with other members of the TIB Ltd Group both in New Zealand and overseas and with authorised service providers to which we outsource certain functions. This may involve the transfer of personal information overseas and where this occurs, you consent to the transfer of your personal information to the destination overseas nominated by the TIB Ltd Group.

Use of Information

Personal information that visitors submit to our Web Sites is used only for the purpose for which it is submitted unless we disclose other uses in this Internet Privacy Statement or at the time of collection. Copies of correspondence sent from the Web Site, that may contain personal information, may be stored as archives for record-keeping and back-up purposes only.

Disclosure

Apart from where you have consented or disclosure is necessary to achieve the purpose for which it was submitted, personal information may be disclosed in special situations where we have reason to believe that doing so is necessary to identify, contact or bring legal action against anyone damaging, injuring, or interfering (intentionally or unintentionally) with our rights or property, users, or anyone else who could be harmed by such activities. Also, we may disclose personal information when we believe in good faith that the law requires disclosure.

Security

We strive to ensure the security, integrity and privacy of personal information submitted to our sites. Unfortunately, no data transmission over the Internet can be guaranteed to be totally secure. We will endeavour to take all reasonable steps to protect the personal information you may transmit to us. Once we do receive your transmission, we will also make our best efforts to ensure its security on our systems.

Our employees and the contractors who provide services related to our information systems are obliged to respect the confidentiality of any personal information held by us. However, we will not be held responsible for events arising from unauthorised access to your personal information.

Cookies

Cookies are data that a web site transfers to an individual’s hard drive for record-keeping purposes. Cookies, which are industry standard and are used by most web sites, including those operated by us, can facilitate a user’s ongoing access to and use of a site. They allow us to customise the web site to your needs. If you do not want information collected through the use of Cookies, there is a simple procedure in most browsers that allows you to deny or accept the Cookie feature. But you should note that Cookies may be necessary to provide you with some features of our on-line services.

Access to and correction of Personal Information

In accordance with the New Zealand Privacy Act, a person has a right to access any personal information we hold about them and correct any personal information that may be incorrect. If you wish to request access to, or correction of, any personal information held by us, please contact us. We may deny such a request in some circumstances, but if we do so, we will explain why.

Links to other sites

We provide links to web sites outside of our web sites, as well as to third party web sites. These linked sites are not under our control, and we cannot accept responsibility for the conduct of companies linked to the Web Site. Before disclosing your personal information on any other web site, we advise you to examine the terms and conditions of using that web site and its privacy statement.

Problems or questions

If we become aware of any ongoing concerns or problems with our web sites, we will take these issues seriously and work to address these concerns. If you have any further queries relating to our privacy policy, or you have a problem or complaint, please contact us.

Further Privacy Information

For more information about privacy issues in New Zealand and protecting your privacy, visit the New Zealand Privacy Commissioner’s web site.