Global Compare Group - Terms of Use

These Terms of Use were last updated on 13th September 2019 

Welcome to Global Compare Group Limited, a website operated in New Zealand. These Terms of Use (Terms) form a legal agreement between you and Global Compare Group Limited (trading as NZ Compare) that sets out our, and your, rights and obligations in relation to the Global Compare Group Limited website (the Site). 
Please read these Terms (which include our Privacy Policy) carefully before accessing and using the Site. By using the Site you agree to follow and be bound by these Terms. If you do not agree to all of these Terms, you must not use the Site.

We provide general information about Utilities, Mobile plans and Financial Products in New Zealand for comparison purposes. Our service is not personalised financial advice and is not tailored to your individual circumstances. If you are looking for advice on the Financial Products featured on our Site, please contact a financial adviser.

If you have any questions about these Terms or the Site, please contact us at hello@nzcompare.com and/or 09 218 8980.

We are a registered Financial Service Provider in New Zealand (FSP Number FSP675911).

We are a member of the FSCL dispute resolution service (FSCL Member Number 7335).

 

1. Definitions
In these Terms:
Account means the online profile you have with us, that is accessible via the Site; 
Content means any software, content, data or information on the Site or generated by the Site (and includes any User Generated Content that is not generated by you);
Financial Product has the meaning given to it in section 5 of the Financial Advisers Act and section 7 of the Financial Markets Conduct Act 2013. Financial Products include, among other things, consumer credit contracts (e.g. credit cards, mortgages, overdrafts, payday loans), contracts of insurance, bank term deposits and managed investment products (e.g. Kiwisaver schemes);
Privacy Policy means our privacy policy posted on the Site; 
Site means the Global Compare Group Limited website found at [www.globalcoparegroup.com];
User means a user of the Site; 
User Generated Content means any content posted publicly on or via the Site that is generated by you or any other User, and includes any reviews posted on the Site about Financial Products and providers;
Virus means any virus, Trojan horse, worm, backdoor or other element that may disable, harm or otherwise prevent the operation of any computer software, hardware or network, or any telecommunications service, equipment or network;
we, us and our are a reference to Global Compare Group Limited, trading as NZ Compare (New Zealand registered company number 7305419); 
you and your are a reference to the person that accesses and/or uses the Site; and
Your Data means any data that you have inputted on the Site, including any User Generated Content that you generate. 

 

2. About the Site
2.1 Our Site provides you with information about Global Compare Group Limited, the company and our services.
2.2 We always try to ensure that information on the Site is up-to-date. However, this is sometimes dependent on our arrangements with providers or other factors outside our control, and we cannot promise that information on the Site is always fully up-to-date or accurate.
2.3 We update the Site regularly, and you agree that we can update or change the Site at any time without liability to you.
2.4 We make the Site available to you at no cost. 

 

3. Account / Contact Form
3.1 You can contact us through the website.  You don’t require an Account to use the Site.
3.2 You are responsible for providing accurate, current, and complete contact information. We may request further information from you, either during or after contact.

 

4. Your Obligations 
4.1 You will: 
(a) ensure that all information that you provide to us is true and correct and kept up to date for so long as you continue to use the Site; 
(b) only access the Site for personal (not commercial) use; and
(c) comply with all applicable laws when using the Site.

4.2 You will not:
(a) copy (other than for personal use), republish, distribute or reverse engineer any part of the Site;
(b) access the Site to build a product or service which is the same as or similar to the Site, or which otherwise competes with the Site; 
(c) attempt to disable or undermine any security or technical measures, including any digital rights management system or other content protection features used by us; or
(d) transmit any Viruses through the Site.

 

5. Intellectual Property
5.1 The Site and any Content are our exclusive property (or are used and displayed by us with the express permission of the owner). 
5.2 You may access and use the Site and the Content for your own personal use and only as expressly permitted under these Terms.
5.3 You may not, without our prior express written consent:
(a) extract or re-use any Content or any part of the Site. In particular, you may not use any data mining, robots, scraping or similar tools to extract any Content or any part of the Site; 
(b) create or publish your own database or site that features substantial parts of any Content or the Site (e.g. prices and product listings); or
(c) link to our Site from another website.

 

6. Your Data 
6.1 If you provide us with personal information, then our Privacy Policy applies. Please read the Privacy Policy carefully as it forms a part of these Terms.
6.2 Your Data is your exclusive property and you will have sole responsibility for the legality, reliability, integrity, accuracy and quality of Your Data. You agree that we may use Your Data for:
(a) any of the purposes set out in the Privacy Policy;
(b) performing our obligations under these Terms; and
(c) ensuring that you are complying with these Terms.

 

7. Our responsibilities and liability
7.1 You have various rights under New Zealand Consumer Guarantees Act 1993 which we cannot exclude in these Terms. Nothing in the following paragraphs is intended to limit those rights, but we exclude all other implied terms to the fullest extent permitted by law.
7.2 In particular (and without limiting clause 8.1) we do not promise that:
(a) the Site will be available at all times;
(b) your use of the Site will be uninterrupted or error-free; 
(c) information on the Site is accurate, reliable, up-to-date or adequate;
(d) the Site will meet your requirements or be fit for a particular purpose; 
(e) the Site will operate on all types of devices; or
(f) the Site will be secure or free from Viruses.

7.3 We are only responsible to you for foreseeable loss and damage caused directly by us. If we fail to comply with these Terms, we are responsible for loss or damage you suffer that is a direct and foreseeable result of that failure, but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made, both we and you knew it might happen, for example, if you discussed it with us during the sales process. 
7.4 In any event, to the extent we are permitted by law to limit our liability, our total liability to you will be limited to $100.
7.5 You acknowledge that:
(a) we are not providing you with any financial advice, recommendation or opinion via the Site;
(b) we are not responsible or liable for any issues, loss or damage caused by your network connections, telecommunications links or the internet, or for any unauthorised access or loss of Your Data that is beyond our control.
7.6 You will reimburse us for any costs we reasonably incur in relation to any claims against us resulting from your use of the Site or your breach of these Terms.

 

8. Suspension and Termination
We may suspend or terminate your access to the Site if you fail to comply with these Terms, in which case all licences granted to you under these Terms will immediately end and you must cease using the Site.

 

9. General
9.1 These Terms are the entire agreement between you and us in relation to the Site.  
9.2 If any part of these Terms is judged invalid or unenforceable it will be excluded and the remainder of these Terms will continue to operate.
9.3 These Terms may be varied by us at any time. Unless otherwise stated, amendments to these terms will be effective when we notify you of the changes via email, or post the changes on the Site. You must ensure that you have read, understood and agree to these Terms. You agree that your continued use of the Site represents your agreement to be bound by the most recent terms.  
9.4 These Terms are governed by the laws of New Zealand.
9.5 Should you wish to take any action against us relating to the Site or these Terms, you agree that any such action must be taken in the New Zealand courts.