Terms & Conditions

1. Introduction

These Terms and Conditions (“Terms”) govern your use of the Global Care Advisory NZ website (the “Website”) and the financial products and services offered by Global Care Industries Limited (“Global Care”, “we”, “us”, or “our”). By accessing or using the Website, you agree to be bound by these Terms.

2. About Us

Global Care Industries Limited is a registered financial services provider in New Zealand. We offer a range of personal risk insurance products designed to protect you and your loved ones financially.

3. Financial Advice Disclaimer

The information provided on the Website is for general information purposes only and does not constitute financial advice. You should not make any financial decisions based solely on the information on the Website. You should always consult with a qualified financial advisor before making any decisions about your financial situation.

4. Product Information

The Website provides information about the financial products and services we offer. This information is intended to be a general overview and may not be comprehensive. We recommend you carefully review the relevant Product Disclosure Statement (PDS) for each product before making a decision to apply. The PDS will provide you with detailed information about the product, including its features, benefits, exclusions, limitations, and costs.

5. Applications

All applications for our financial products are subject to approval based on your individual circumstances. We may request further information from you to complete your application.

6. Duties of Disclosure

You are obligated to disclose all material information to us when applying for a financial product. This includes any pre-existing medical conditions, hazardous activities, or other relevant details that may affect your eligibility or the terms of your policy.

7. Privacy Policy

We take the privacy of your information seriously. Please refer to our Privacy Policy for information about how we collect, use, and disclose your personal information.

8. Intellectual Property

The content of the Website, including text, graphics, logos, trademarks, and other intellectual property, is owned by or licensed to Global Care Advisory NZ. You may not copy, reproduce, modify, publish, distribute, or exploit any of the content without our prior written consent.

9. Disclaimer of Warranties

The Website and the information contained therein are provided “as is” and without warranties of any kind, whether express or implied. We disclaim all warranties, including but not limited to, warranties of merchantability, fitness for a particular purpose, and non-infringement.

10. Limitation of Liability

We will not be liable for any damages arising out of or in connection with your use of the Website or our financial products and services. This includes, but is not limited to, direct, indirect, incidental, consequential, special, or punitive damages.

11. Governing Law

These Terms will be governed by and construed in accordance with the laws of New Zealand. You agree to submit to the exclusive jurisdiction of the courts of New Zealand for the resolution of any dispute arising out of or in connection with these Terms.

12. Entire Agreement

These Terms constitute the entire agreement between you and us with respect to your use of the Website and our financial products and services.

13. Changes to the Terms

We reserve the right to modify these Terms at any time without prior notice. We will post the revised Terms on the Website. Your continued use of the Website following the posting of revised Terms will be deemed your acceptance of the revised Terms.

14. Contact Us

If you have any questions about these Terms, please contact us.