Insurance Disclaimer

1. Nature of FarmCover's Service

1.1 Referral Service Only

FarmCover operates as a quote matching and referral service. We connect farmers with licensed insurance brokers and insurance providers who may be able to provide farm insurance quotes and policies. We are NOT:

• An insurance provider or underwriter
• An insurance broker or agent
• A licensed financial advisor
• A party to any insurance contract you may enter into

1.2 No Insurance Advice

FarmCover does not provide insurance advice, recommendations, or endorsements. The information on our website is for general informational purposes only and should not be considered as professional insurance, financial, or legal advice. You should always:

• Seek advice from licensed insurance professionals before making insurance decisions
• Carefully review all policy documentation before purchasing insurance
• Ensure you understand the terms, conditions, exclusions, and limitations of any policy
• Obtain independent professional advice if you are unsure about any aspect of insurance coverage

1.3 Third-Party Relationships

Any insurance quotes you receive are provided by independent insurance brokers and providers, not by FarmCover. We do not control, endorse, or take responsibility for the quotes, advice, services, or policies provided by these third parties. Your relationship regarding insurance matters is directly with the broker or provider, not with FarmCover.

2. No Guarantees or Warranties

2.1 Quote Availability

FarmCover does not guarantee that:

• You will receive any insurance quotes
• Quotes will be at any particular price point or level
• Any insurance provider will accept your application or offer you a policy
• The quotes provided will be the cheapest available in the market
• Coverage will be available for your specific circumstances or farming operation

2.2 Information Accuracy

While we strive to provide accurate and up-to-date information on our website, we make no warranties or representations about:

• The accuracy, completeness, or reliability of any information on our website
• The suitability of any information for your particular circumstances
• The current availability of insurance products or services mentioned
• Pricing, terms, or conditions of insurance policies

2.3 Third-Party Information

Information, quotes, and policy details provided by insurance brokers and providers are their responsibility, not ours. We do not verify, validate, or guarantee the accuracy of information provided by third parties. Always verify all information directly with the insurance provider before making decisions.

3. Your Responsibilities

3.1 Disclosure Obligations

When applying for insurance, you have a legal duty to disclose all material information to insurers. This includes:

• Accurate and complete information about your farming operation
• All relevant facts that could affect an insurer's decision to provide coverage
• Previous insurance claims and cancellations
• Any circumstances that increase risk
• Changes to your circumstances during the policy period

Failure to disclose material information may result in your insurance policy being void or claims being declined. FarmCover is not responsible for any consequences arising from your failure to meet disclosure obligations.

3.2 Policy Review

It is your responsibility to:

• Carefully read and understand all policy documentation before purchasing insurance
• Ask questions about anything you don't understand
• Ensure the coverage meets your specific needs
• Verify that sum insured amounts are adequate
• Understand all exclusions, conditions, and limitations
• Regularly review and update your coverage as your circumstances change

3.3 Due Diligence

You are responsible for conducting your own due diligence when selecting insurance coverage. This includes researching insurance providers, comparing policies, understanding your coverage needs, and seeking professional advice as necessary. FarmCover's role is limited to facilitating connections with insurance professionals - all final decisions and responsibilities rest with you.

4. Limitations and Exclusions of Liability

4.1 No Liability for Third-Party Actions

FarmCover is not liable for:

• The actions, advice, services, or products of insurance brokers or providers
• The terms, conditions, or performance of any insurance policy
• Claim denials or coverage disputes with insurance companies
• Financial losses arising from insurance decisions
• Delays or failures in receiving quotes or services from third parties

4.2 No Liability for Coverage Gaps

We are not responsible for:

• Inadequate coverage or underinsurance
• Policy exclusions or limitations you were unaware of
• Losses or damages not covered by your insurance policy
• Your failure to maintain or update adequate insurance coverage

4.3 Market Changes

Insurance markets, pricing, and availability change frequently. Information on our website may become outdated, and we are not liable for changes in insurance market conditions, pricing, or product availability that occur after information is published on our website.

5. Regulatory and Licensing Information

5.1 Insurance Broker Licensing

All insurance brokers and providers in our network are required to be appropriately licensed under New Zealand law. However, it is your responsibility to verify:

• That any broker or provider you deal with holds current, valid licenses
• That they are registered on the Financial Service Providers Register (FSPR)
• Their professional qualifications and experience
• Any complaints or disciplinary history

5.2 Regulatory Compliance

Insurance in New Zealand is regulated by the Financial Markets Authority (FMA) and the Reserve Bank of New Zealand (RBNZ). If you have concerns about an insurance provider or broker:

• Contact the provider or broker directly first
• If unresolved, contact the Insurance & Financial Services Ombudsman Scheme (IFSO)
• Report serious concerns to the FMA

5.3 Dispute Resolution

FarmCover is not involved in disputes between you and insurance providers or brokers. Such disputes should be resolved directly with the relevant party or through appropriate dispute resolution mechanisms such as IFSO Scheme or the Ombudsman.

6. Changes to This Disclaimer

FarmCover reserves the right to update or modify this disclaimer at any time without prior notice. Changes will be effective immediately upon posting to our website. The "Last Updated" date at the top of this page indicates when this disclaimer was last revised.

Your continued use of our services after any changes to this disclaimer constitutes acceptance of those changes. We encourage you to review this disclaimer periodically to stay informed of any updates.

7. General Disclaimers

7.1 No Endorsements

References to specific insurance companies, products, or services on our website do not constitute endorsements or recommendations. We maintain relationships with multiple providers to offer choice, not to promote any particular provider.

7.2 External Links

Our website may contain links to third-party websites. These links are provided for convenience only. We do not control these websites and are not responsible for their content, privacy practices, or services. Accessing third-party websites is at your own risk.

7.3 Limitation of Warranties

To the fullest extent permitted by New Zealand law, FarmCover provides its services "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to warranties of:

• Merchantability or fitness for a particular purpose
• Non-infringement of intellectual property rights
• Accuracy, reliability, or completeness of information
• Uninterrupted or error-free service

7.4 Consumer Guarantees Act

Nothing in this disclaimer is intended to limit or exclude any rights you may have under the Consumer Guarantees Act 1993 or other New Zealand consumer protection legislation that cannot be limited or excluded by law.

8. Questions and Contact Information

If you have any questions about this disclaimer or need clarification about any aspect of our services, please contact us: