Terms and Conditions

1. Agreement to Terms

By accessing and using Senior Savings NZ, you agree to be bound by these Terms and Conditions.

2. Description of Service

Senior Savings NZ operates a free comparison platform that helps New Zealand seniors find and compare services including healthcare, insurance, utilities, retirement living, and financial services. We connect users with service providers based on their expressed interests and requirements.

How Our Service Works:

• Users browse comparison information on our website
• Users can request quotes or contact from specific providers
• We facilitate introductions between users and selected providers
• Service providers may contact users directly to discuss their needs

3. User Responsibilities

• Provide accurate and complete information when using our services
• Maintain the confidentiality of any account information
• Use the service in compliance with all applicable laws

4. Service Providers and Referral Relationships

We partner with licensed and reputable service providers across New Zealand. Important disclosures about our provider relationships:

• All provider information is presented for comparison purposes only
• We recommend verifying all details directly with providers before making decisions
• Provider availability and terms may change without notice
• We are not agents or representatives of any specific provider
• Your relationship is directly with the service provider you choose

5. Limitation of Liability

Senior Savings NZ operates as a comparison and referral service. Important limitations:

• We provide comparison information for educational purposes only
• We do not provide financial, legal, or professional advice
• We are not responsible for the actions, services, or policies of referred providers
• We are not liable for any decisions made based on our comparison information
• Users are responsible for verifying all information and terms with providers directly
• We do not guarantee the availability, accuracy, or suitability of any service

To the maximum extent permitted by law, our liability is limited to the referral service we provide.

6. Changes to Terms

We reserve the right to modify these terms at any time. Continued use of the service constitutes acceptance of any changes.

7. Intellectual Property

All content on Senior Savings NZ, including text, graphics, logos, and software, is the property of Senior Savings NZ and is protected by copyright and other intellectual property laws.

8. User Content

By submitting content to our platform, you grant Senior Savings NZ a non-exclusive, royalty-free license to use, modify, and distribute that content in connection with our services.

9. Termination

We reserve the right to terminate or suspend access to our services for any reason without prior notice.

10. Governing Law

These Terms shall be governed by the laws of New Zealand, without regard to its conflict of law provisions.

11. Complaints and Disputes

If you have concerns about our service:

1. Contact us first to resolve the issue directly
2. If unresolved, you may seek independent mediation
3. Any disputes will be governed by New Zealand law

12. Contact Information

For any questions regarding these terms, please contact us at:

• Email: help@seniorsavings.co.nz
• Address: Auckland, New Zealand