Terms of Use

1. Acceptance of Terms

By accessing and using the SoleTraderInsurance.co.nz website (the "Site"), you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, please do not use this Site.

2. Nature of the Service

This Site is operated by Cover4You (a trading name of GDS) as a referral and information service. We connect users seeking sole trader insurance with licensed NZ insurance advisers. We are not an insurer, underwriter, or financial adviser. No insurance contract is formed through this website.

All insurance recommendations and quotations are provided by the independent licensed advisers we refer you to — not by this website or Cover4You.

3. Use of the Site

You may use this Site for lawful purposes only. You must not:

• Use the Site in any way that violates applicable New Zealand law
• Submit false or misleading information in enquiry forms
• Attempt to gain unauthorised access to any part of the Site
• Interfere with the proper operation or security of the Site
• Use the Site to transmit spam or unsolicited commercial communications

4. Enquiry Submissions

When you submit an enquiry through this Site, you consent to being contacted by a licensed NZ insurance adviser. Submitting an enquiry does not:

• Create a contract of insurance
• Guarantee that coverage will be offered or bound
• Guarantee that you will receive a quote
• Constitute an offer or acceptance of insurance

5. Accuracy of Information

We make reasonable efforts to ensure information on this Site is accurate and up to date, but we make no warranties about the accuracy, completeness, or currency of any information. Insurance products, pricing, and terms change regularly. Always obtain current policy documents and a Product Disclosure Statement (PDS) from your insurer before relying on any coverage description.

6. Limitation of Liability

To the maximum extent permitted by law, Cover4You and its directors, employees, and agents will not be liable for any direct, indirect, incidental, or consequential loss arising from:

• Your use of or inability to use this Site
• Any information on this Site
• Your reliance on any referral made through this Site
• The advice or conduct of any referred insurance adviser

7. Intellectual Property

All content on this Site, including text, graphics, logos, and code, is the property of Cover4You or its licensors and is protected by copyright law. You may not reproduce, redistribute, or use any content from this Site without our express written permission.

8. Third-Party Links

This Site may contain links to third-party websites. We are not responsible for the content, accuracy, or privacy practices of those sites. Links are provided for convenience only and do not imply endorsement.

9. Governing Law

These terms are governed by the laws of New Zealand. Any disputes arising from your use of this Site will be subject to the exclusive jurisdiction of the New Zealand courts.

10. Changes to These Terms

We may update these terms from time to time. We will post any changes on this page with the updated date. Continued use of the Site after changes constitutes acceptance of the updated terms.

11. Contact Us

For questions about these terms, please contact us: