This
web site is owned and operated by TIB Ltd,
Access
to this web site is subject to these conditions and other notices posted on
this web site. If you do not agree to these conditions, you must not access
this web site. Your continued use of this web site constitutes an affirmative
acknowledgment and agreement that you accept and agree to be bound by these
conditions and any modifications. TIB Ltd may change these conditions without
notice to you. You should periodically visit this page to check for the latest
version of these conditions to which you are bound.
TIB
Ltd believes that all the information contained on this web site is correct at
the time of posting the information. However, no warranty is made as to the
accuracy or reliability of the information contained herein.
Unless
expressly given in writing, TIB Ltd makes no representations, warranties or
endorsements in relation to any products, services or information advertised or
provided in or through this web site.
You
should not rely on anything in this web site as a quoted price for an insurance
policy or any other product sold by TIB Ltd. Unless expressly stated otherwise
in writing, prices are indicative only.
TIB
Ltd does not offer any financial advice or products directly through this web
site. All information on this web site is of a general nature only and you
should not rely on anything in this web site as a substitute for professional
or financial advice that is specific to your needs and circumstances.
For
information on financial products offered or sold by TIB Ltd you should contact
TIB Ltd by phone on 360 4219 or by email to: info@tib.co.nz.
The
material on and accessible through this web site is copyright. No part or parts
of this web site may be reproduced, distributed, republished, displayed,
broadcast, hyperlinked, stored in any retrieval system or transmitted in any
manner without the prior written permission of TIB Ltd or the relevant
copyright owner. TIB Ltd grants you permission to download and/or display
copyright materials for private, non-commercial purposes only provided that you
do not remove the copyright owner's notice and name from the materials when the
material is reproduced or quoted, in whole or in part.
We
specifically prohibit you from scraping this web site or using any other
automated method to copy and reproduce any part of our web site for
establishing, maintaining or publishing your own web site or other
publications. Software that operates parts of this web site may be proprietary
software and you must not copy, reverse engineer or modify it.
The
trade marks, service marks and logos ("Trade Marks") used in this web
site are registered and unregistered Trade Marks of TIB Ltd and/or other third
parties. Nothing displayed on this web site should be construed as granting any
licence or right of use of any Trade Mark displayed on this web site, without
the express written permission of the relevant owner.
As
a condition of your use of this web site, you warrant to us that you will not
use this web site for any purpose that is unlawful or prohibited by these
conditions or any other terms, conditions or notices appearing anywhere on this
web site. You agree to abide by all applicable laws and regulations.
In
particular, you agree not to: (i) use any automated
scripting tools or software, robots, crawlers, spiders or similar devices; (ii)
impersonate any person or entity; (iii) upload, post, e-mail, transmit or
otherwise make available using this web site any material that is threatening, libellous, defamatory, obscene, scandalous, inflammatory,
pornographic or profane or material that you do not have a right to make
available under any law or contractual obligation or which contains viruses, or
other computer codes, files or programs designed to interrupt, limit or destroy
the functionality of other computer software or hardware; or breach any applicable
laws or regulations; and (iv) do anything on or using our web site that would
expose us to any civil or criminal liability, sanction or action.
You
will indemnify TIB Ltd if TIB Ltd suffers any loss or damage or incurs any
costs in connection with any breach of these conditions or any other legal
obligation by you or your use of or conduct on this web site.
Hyperlinks
and pointers to web sites operated by third parties will appear on this web
site from time to time and their placement does not carry any endorsement from TIB
Ltd. Those web sites do not form part of our web site and are not under the
control of TIB Ltd. We have no responsibility and take no responsibility for
the contents of any such linked web site. If you link to any such web sites you
do so entirely at your own risk.
TIB
Ltd does not exclude any rights and remedies available to you under the Fair
Trading Act 1986 (NZ), the Consumer Guarantees Act 1993 (NZ) or any
other legislation that cannot be excluded, restricted or modified. Otherwise,
TIB Ltd excludes all conditions and warranties that may be implied by law.
To
the extent permitted by law, no warranty of any kind, implied, express or
statutory (including but not limited to the warranties of title, merchantable
quality, fitness for purpose, non-infringement of third party rights, freedom
from computer virus) is given in relation to the information in this web site.
To the furthest extent permitted by law, TIB Ltd disclaims all liability and
responsibility for any direct or indirect loss or damage which may be suffered
by you as a result of relying on anything contained in or omitted from this web
site.
You
expressly agree and understand that in no circumstances will TIB Ltd be liable
to you for any indirect, incidental, special and/or consequential losses or
damages or loss of profits of whatever nature howsoever arising (including but
not limited to negligence and any act or omission by TIB Ltd) which result from
(i) the use of or access to or any inability to use
or access our web site; (ii) unauthorised access to
or alterations of your transmissions or data; or (iii) statements or conduct of
any third party on our web site.
Our
web site is located in
tib.co.nz is a web site of TIB Ltd ("We",
"our" and "us" in this Internet Privacy Statement). By
using this site, you agree to the Internet Privacy Statement of our www.tib.co.nz
web site ("the Web Site"), which is set out below. The Internet
Privacy Statement relates to the collection and use of personal information you
may supply to us through your conduct on the Web Site.
We
are bound by the Information Privacy Principles in the Privacy Act 1993
("
We
reserve the right, at our discretion, to modify or remove portions of this
Internet Privacy Statement at any time. This Internet Privacy Statement is in
addition to any other terms and conditions applicable to our Web Site. We do
not make any representations about third party web sites that may be linked to
the Web Site. This Internet Privacy Statement is also separate from the Privacy
Policy of TIB Ltd, which is available from our Privacy Officer upon
request.
We
recognise the importance of keeping private the
information collected about visitors to our sites, in particular information
that is capable of identifying an individual ("personal
information"). This Internet Privacy Statement governs the manner in which
your personal information, obtained through the Web Site, will be dealt with.
This Internet Privacy Statement should be reviewed periodically so that you are
updated on any changes. We welcome your comments and feedback.
Personal
information about visitors to our Web Sites is collected only when knowingly
and voluntarily submitted. For example, we may need to collect such information
to provide you with further services or to answer or forward any requests or
enquiries. It is our intention that this statement will protect your personal
information from being dealt with in any way that is inconsistent with
applicable privacy laws in
We
usually share personal information with other members of the TIB Ltd Group both
in
Personal
information that visitors submit to our Web Sites is used only for the purpose
for which it is submitted unless we disclose other uses in this Internet
Privacy Statement or at the time of collection. Copies of correspondence sent
from the Web Site, that may contain personal information, may be stored as
archives for record-keeping and back-up purposes only.
Apart
from where you have consented or disclosure is necessary to achieve the purpose
for which it was submitted, personal information may be disclosed in special
situations where we have reason to believe that doing so is necessary to
identify, contact or bring legal action against anyone damaging, injuring, or
interfering (intentionally or unintentionally) with our rights or property,
users, or anyone else who could be harmed by such activities. Also, we may
disclose personal information when we believe in good faith that the law requires
disclosure.
We
strive to ensure the security, integrity and privacy of personal information
submitted to our sites. Unfortunately, no data transmission over the Internet
can be guaranteed to be totally secure. We will endeavour
to take all reasonable steps to protect the personal information you may
transmit to us. Once we do receive your transmission, we will also make our
best efforts to ensure its security on our systems.
Our
employees and the contractors who provide services related to our information
systems are obliged to respect the confidentiality of any personal information
held by us. However, we will not be held responsible for events arising from unauthorised access to your personal information.
Cookies
are data that a web site transfers to an individual's hard drive for
record-keeping purposes. Cookies, which are industry standard and are used by
most web sites, including those operated by us, can facilitate a user's ongoing
access to and use of a site. They allow us to customise
the web site to your needs. If you do not want information collected through
the use of Cookies, there is a simple procedure in most browsers that allows
you to deny or accept the Cookie feature. But you should note that Cookies may
be necessary to provide you with some features of our on-line services.
In
accordance with the New Zealand Privacy Act, a person has a right to access any
personal information we hold about them and correct any personal information
that may be incorrect. If you wish to request access to, or correction of, any
personal information held by us, please contact
us. We may deny such a request in some circumstances, but if we do
so, we will explain why.
We
provide links to web sites outside of our web sites, as well as to third party
web sites. These linked sites are not under our control, and we cannot accept
responsibility for the conduct of companies linked to the Web Site. Before
disclosing your personal information on any other web site, we advise you to
examine the terms and conditions of using that web site and its privacy
statement.
If
we become aware of any ongoing concerns or problems with our web sites, we will
take these issues seriously and work to address these concerns. If you have any
further queries relating to our privacy policy, or you have a problem or
complaint, please contact us.
For
more information about privacy issues in New Zealand and protecting your
privacy, visit the New Zealand Privacy Commissioner's web
site.