1. Ownership of this site

The domain name of this website is owned and operated by Canopy Limited (Canopy). By accessing the website you unconditionally agree to be bound by the terms and conditions set out herein.Canopy reserves the right to amend the site from time to time and your continued use of the site following changes to the terms indicates your acceptance of those changes.

 2. Privacy & Security
Any information you provide to Canopy will be treated with the utmost confidence in accordance with the privacy Act 1993.

You are entitled to access any information Canopy may hold about you. If any such information is incorrect you are entitled to ask that we correct such errors.

Should you choose to engage with us through our advice process the any information gathered about you will be treated as confidential. Your personal details will not be disclosed to any party without your specific written permission.

 3. Cookies
This site does not use cookies.

4.  Information Provided
The information provided on this site has been provided in good faith to help you gain an understanding of personal and business insurance issues. No reliance should be placed on the views expressed in this website as they are of a general nature only.

The information provided on this site is specifically NOT personalised financial advice in terms of the Financial Advisers Act 2008.

Clients  should not rely on the information contained in this website solely when making insurance  decisions and you should obtain professional advice on your individual requirements before making such a  decision. Unless otherwise stated, references to any currency are in New Zealand dollars.

5.  Personalised Financial  Advice
Should you require personalised financial advice then please contact us (see contact details on this site). One of our advisers will be happy to engage with you and provide to you such advice as you will require as determined through our advice process.

Any advice provided through a Canopy Advisers advice process will be advice provided specifically from that adviser to you. Every endeavour is made by Canopy Advisers to provide the most accurate and up to date information available in the New Zealand market. All and any advice provided to you will ultimately rely on policy documents and the specific Policy Wordings set out therein.

6. Linked Web Sites
This site may contain links to other websites. These links are provided to assist you and are for information purposes only. Linked sites are not endorsed by Canopy and Canopy has no responsibility for the contents of those sites or opinions expressed therein.

7.  Use of the Site
The information, views and opinions provided on this site is of a general nature only. The site has been designed to try and help you gain an understanding of the need for insurance and the types of policies which are available in the New Zealand market to address such needs.

Your use of the site is at your own risk. Canopy is not responsible for any damage or harm arising out of your use of the site. Neither Canopy, nor any of its directors, officers, employees, agents, advisers or employees is liable for any direct, indirect or consequential loss or damage arising from your use of this site. You agree to indemnify Canopy from and against all actions, claims, suits, demands, liabilities, cost or expenses arising from your use of this site.

8. For New Zealand residents only
This site has been designed for the use of New Zealand residents and the information and opinions expressed in this site relate to the New Zealand insurance market.

9. New Zealand Law
The terms and conditions applicable to our website are governed and construed in accordance with New Zealand law.

10.  Copyright
The information, images, screens, web pages and logos and brands on this site are protected by copyright and may not be reproduced in any form (including digital copies) without the express written consent of Canopy.

You may not use or permit use of any part of this site for any purpose other than that intended (which is the provision to you of insurance information, and information about Canopy.

Disclosure statements are available for all Canopy Advisers on request and free of charge.