Intellectual Property

We either own or licence all copyright in this Site and all rights are reserved. We either own the intellectual property rights in the content material that appears on this Site, or we have obtained the permission of the owner of the intellectual property to use the content on this Site. 

You may use or copy material appearing on this Site for the purposes contemplated by this Site provided that you retain all copyright, trademark and proprietary notices contained in the content. No other use, including reproducing, adapting, distributing, storing, broadcasting, or copying any material appearing on this Site is allowed without our written permission. 

Where material not published by us appears on this Site, you must not use or copy any such material without the written consent of the original owner.

Use Of Information

The information presented on this Site has been compiled from various sources and is intended to be information only. The description of the various insurance products and services on this Site is provided solely for general purposes and is not intended to be a complete description of all the terms, conditions, or exclusions applicable to the insurance product or service. While we take reasonable steps to ensure that the information contained on this Site is accurate and up to date, the information is subject to change without notice. 

You should not rely on the information contained in this Site as personal advice. You are solely responsible for the actions that you may take in reliance on the information contained on or accessed through this Site. You should consult a qualified adviser for advice on whether the information on this Site is suitable for your personal objectives, financial situation, and needs.

Our Liability

You acknowledge that:

• Except as expressly stated in these Terms of Use, all warranties, representations or conditions relating to any aspect of this Site, or to the information contained on this Site (whether express or implied and whether arising in contract, at common law or under statute) are expressly excluded to the maximum extent permitted by law.
• If any relevant statute (including without limitation the Fair Trading Act 1986 and the Consumer Guarantees Act 1993) implies statutory rights, conditions or warranties which cannot be lawfully excluded, our liability and the liability of our employees, directors or agents will be limited to, at our discretion, the supply of services again or the payment of the cost of having the services supplied again.
• This Site is, to the extent permitted by law, provided “as is, as available”, without any warranty of any kind including, without limitation, any warranty with respect to the quality, performance or functionality of this Site and that this Site will be interrupted or error free. 
• Changes or updates to the content of this Site may occur without notice. Neither we, nor our directors, employees or agents can accept liability for any errors or omissions and make no representations as to the accuracy, adequacy or completeness of any information contained on this Site.
• To the extent permitted by law, we are not liable to you for any incidental, indirect, special, consequential or economic loss or damage (including loss of profits or opportunities and exemplary or punitive damages), liabilities, claims or expenses whatsoever, arising out of, or in relation to, your use of, or reliance on information contained on or accessed through this Site, or in respect of any failure or omission by us to comply with our obligations under these Terms of Use, whether arising in contract, in tort including negligence, at common law or under statute.
• To the extent permitted by law, you indemnify us from and against all actions, claims, suits, demands, liabilities, costs, or expenses arising out of or in any way whatsoever connected to the use of the Site. 

PD Insurance is underwritten by Pacific International Insurance Pty Ltd.  PD Insurance does not accept any liability for errors, misprints, or omission in quotes generated from any of our other quote and buy online sites, including, without limitation, those caused by negligence or computer hardware or software fault or dysfunction, including by way of computer virus.

Restrictions On Use Of The PD Insurance / Pacific International Insurance Pty Ltd Websites:

By using the abovenamed websites, you agree that you will not, (either yourself or through any third party):

• use any robot, spider, screen scraper, data aggregation tool or other automatic device or process (“Automated Process”) to process, monitor, copy or extract any web pages on the PD Insurance or Pacific International Insurance websites, or any of the information, content or data contained within or accessible through the Pacific International Insurance Pty Ltd website, without Pacific International Insurance’s prior written permission;

• use any Automated Process to aggregate or combine information, content or data contained within or accessible through the website’s with information, content, or data accessible via or sourced from any third party;

• use any information on or accessed through the websites for any commercial purpose or otherwise (either directly or indirectly) for profit or gain;

• use any device, software, process, or routine to interfere or attempt to interfere with the proper working of the PD Insurance or Pacific International Insurance websites or any transaction or process being conducted on or through it;

• take any action that imposes an unreasonable or disproportionately large load on the infrastructure of or bandwidth connecting to the PD Insurance or Pacific International Insurance PTY Ltd website;

• reverse engineer, reverse assemble, decompile, or otherwise attempt to discover source code or other arithmetical formula or processes in respect of the software underlying
  the infrastructure and processes associated with the Pacific International Insurance Pty Ltd website; or

• copy, reproduce, alter, modify, create derivative works, or publicly display, any part of any content from the PD Insurance/ Pacific International Insurance Pty Ltd website without Pacific International Insurance Pty Ltd.’s prior written permission.

Links To Other Websites

As a convenience to you, this Site may contain links to other websites independently maintained by others. Because we do not control these other web sites, we cannot be responsible for the content or accuracy of the information or other material on these linked web sites.

The fact that we have provided a link to another website does not mean that we make a recommendation or give any endorsement or approval of any products or services contained in those other websites. We do not guarantee that these other websites will be free from viruses or other harmful components or that access to these websites will be without error or interruption or that any defects on those websites will be corrected.

 You acknowledge that you cannot make any hyperlinks to this Site without our written consent.

Jurisdiction

This Site provides information about PD Insurance and Pacific International Insurance Pty Ltd and the insurance products and services PD Insurance provides. Unless expressly stated otherwise, the Site, these Terms of Use and any disputes arising from their use, is governed exclusively by the laws and the courts of New Zealand.

Intellectual Property

© PD Insurance – All rights reserved.

PD Insurance owns or is a licensee of all copyright and other intellectual property in this website and its content (including, without limitation all information, text, graphic, software, advertisements, and trademarks (“the Content”). You must not modify, copy, reproduce, republish, frame or create derivative works, upload to a third party, post, transmit or distribute the Content in any way except for your own personal, non-commercial use or information, or unless expressly authorised by PD Insurance and or Pacific International Insurance Pty Ltd.

All trademarks appearing on this website are the property of their respective owners