Terms and conditions.

For the purposes of these terms and conditions, the "Fidelity Group", "we", "us" or "our" means Fidelity Life and/or its subsidiary companies as the context may require.

This website, and other related websites or mobile apps, are owned and operated by the Fidelity Group. By accessing and using this website or mobile apps you (the reader, policy owner, life assured or prospective customer) agree to these terms and conditions ("Terms and Conditions") or Privacy Statement that applies to you, and any other terms set out on our websites or mobile apps.

New Zealand Law.

The terms and conditions that apply to our website or mobile apps are governed and construed according to New Zealand law. These terms and conditions don't limit your rights under any New Zealand law.

Professional advice.

The information provided on our websites or mobile apps is general in nature and is for information purposes only. It is not a substitute for financial or other professional advice, and doesn't take into account any individual's particular circumstances. You should get professional advice on your individual requirements before purchasing any financial product referred to on our websites or mobile apps. If you'd like to speak to a financial adviser please contact us and we'll provide you with more details.

Use of information.

Use of our websites or mobile apps are subject to our Terms and Conditions as published at the time of use.

We take all reasonable care to provide correct and up-to-date information on our websites or mobile apps, but we don't warrant its accuracy, completeness or reliability. The information is subject to change, including these Terms and Conditions, without notice.

We are not responsible for any recommendations, opinions, warranties or conditions on our websites or mobile apps (expressed or implied). To the fullest extent legally possible, neither the Fidelity Group nor any of its directors, employees or contractors are responsible for any loss or damage incurred by you as a result of access to, use of or reliance on any information on our websites or mobile apps.

We use virus protection software and apply updates as they are made available. We won't be responsible for any loss or damage incurred by you as a result of unauthorised access to information on our websites or mobile apps and/or your information held by them. Please also refer to our Privacy Statement (Fidelity Insurance) for more details.

Intellectual Property Rights.

The Fidelity Group owns the copyright of the information contained in this website and other related websites or mobile apps. The information available on these websites or mobile apps may not be copied, reproduced, modified or published without the written permission of the Fidelity Group. If you'd like to use the information or services on our websites or mobile apps for your own purposes, please contact us.

Links.

Any links and references to other websites or mobile apps are provided for convenience and informational purposes only, and don't represent any endorsement by the Fidelity Group of those websites or mobile apps or any information contained in those websites or mobile apps. The Fidelity Group accepts no responsibility in relation to any loss caused by information located on any other websites or mobile apps where referred from a Fidelity Group page.

You must not create a link to the website without the prior consent of the Fidelity Group. If you create a link to anywhere on our websites, the Fidelity Group accepts no responsibility for any loss, damage, liability or costs that arise from or in connection to the link. We recommend you read the privacy and security policies on those websites and/or mobile apps to understand how they deal with your personal information.

Limitation of liability.

Subject to your rights available under consumer protection laws. the Fidelity Group is not liable On negligence, tort, breach of contract, or otherwise) for any loss or damage (including direct or indirect loss, or special or consequential loss) arising out of or in connection with:

• the use of (or inability to use) our websites or mobile apps by you or anyone else; and or
• the breach in the security of your computer, mobile or other device or the access to any information held on your computer, mobile or other device by unauthorised third parties.

Disclaimers.

To the fullest extent permitted by law, the Fidelity Group makes no warranties (express or implied), and makes no representations, with respect to:

• the availability of our websites, mobile apps, website functions and or mobile app functions for your use;
• inability to access or use our websites or mobile apps due to limitations in network coverage or connectivity;
• website and mobile app disruptions, defects and technical errors that may occur from time to time;
• viruses and other harmful elements that may be present on websites, software, servers and mobile apps; and
• third party websites, applications, products and services.