Bound of Use
By accessing the Tower Insurance website, www.tower.co.nz, (“the website” or “Tower’s website”) you agree that the following terms and conditions apply to your use of the website.
Tower may change or update the content of the website, including these terms and conditions applicable to the website, at any time without prior notice. In these terms and conditions, all references to ‘we’, ‘us’, ‘our’ and ‘Tower’ are references to Tower Limited and all Tower Group companies, being its related companies as defined in the Companies Act 1993. These terms and conditions are in addition to, and do not replace, any specific terms and conditions applicable to any Tower product, service, marketing and/or promotion.
Use of Tower's Website
You are granted a non-exclusive license to access the website and the information it contains. By accessing the website you agree not to use the website for any commercial or competitive advantage; any illegal, defamatory or objectionable purpose; or any purpose which brings or could bring Tower’s reputation into disrepute.
You also agree not to decompile, reverse engineer or try to decompile or reverse engineer any part of the website, including the secure sites. Anyone found breaching the user rights will be prosecuted to the full extent of the law.
General Disclaimer
Although all reasonable care has been taken in producing the information contained on the website, it is of a general nature only, and does not take into account any individual’s particular circumstances, financial, medical or otherwise. While we try to ensure that the content of the website is up to date and free from error, we do not give any guarantee or other assurance of the currency of any information on the website or its accuracy, adequacy, completeness or suitability for your intended use. The website is not intended to provide a substitute for comprehensive or specific professional advice. You should not act in reliance upon any information contained on the website without first obtaining professional, independent advice relevant to your individual circumstances. By accessing the website, you confirm you have taken such advice or decided against it.
Accuracy of Information
Where fund performance figures are shown, they are shown in accordance with the specific terms, conditions and assumptions stated under ‘Fund performance’. Investors and advisers are reminded that past performance is not necessarily indicative of future returns.
Where unit prices are shown, while care has been taken in producing and updating unit price information, investors and advisers must check the current unit price with Tower before buying or selling units in any fund, or otherwise relying on unit price information.
Unit prices are shown as at the date specified and are subject to change without notice. The price shown may therefore not apply to related transactions. Full details of unit pricing, fees, and other details relevant to an investment are set out in the relevant investment statement for a particular fund and are also subject to change without notice.
Information provided on the website is provided in good faith and is derived from sources believed to be reliable and accurate. However, certain information may be selective, and Tower advises that it may not be complete for the purposes of any individual or company.
Where Tower's share price is shown on the website, investors and advisers are reminded that information regarding Tower's share price may be delayed, or inaccurate, and that investors wishing to trade shares in Tower should do so on the basis of information provided by the NZX or ASX.
Liability
To the fullest extent legally possible, neither Tower Limited nor any of its related companies, or their directors, employees, agents, independent contractors, nor any other person, accepts any liability or responsibility for any loss, damage, cost or expense (including but not limited to financial loss, loss of revenue, loss of profits or savings, indirect or consequential losses) arising in contract, tort (including negligence) or otherwise, that may result from any error, omission or misrepresentation on the website or reliance on information contained on the website or from any use of or access to the website, nor do they guarantee the performance of any fund or other investment contained or referred to on the website.
Tower makes no representation or warranty about the accuracy or completeness of information and accepts no liability or responsibility in respect of errors in or omissions from information contained on the website, to the extent permitted by law.
To the fullest extent legally possible, we exclude every warranty and condition of any kind that might otherwise apply in relation to the website, its content and functions.
Links
In providing a quote, Tower may access a third party data service to help facilitate the quotation and purchase process. Tower makes no representation or warranty as to the quality of any of those services or their suitability to your circumstances. It is your responsibility to validate any data that is populated on your behalf.
This website uses Auto Information Ltd (Red Book) data for vehicle values. Red Book has prepared this data and valuations from information gathered from a variety of sources. You acknowledge that whilst all care is taken in producing the data and valuations, Red Book cannot guarantee or make any representations regarding the use of, or reliance, on it. Red Book is not responsible for all the information provided via the website and you should not rely on the data or valuations without making your own independent assessment of the vehicle and other sources of information. Neither we nor Red Book are liable for any loss or damages (other than in respect of any liability which may not lawfully be excluded) relating to your use of, or reliance on, this valuation and data.
From time to time the website may contain links to other websites. These links are provided for convenience only, and do not represent any endorsement by Tower of the products or services offered by the site owner. Tower makes no representations and accepts no responsibility or liability in relation to the contents of any website linked to this website that is not under the direct control of Tower.
Changes to Content
You may not do anything or permit anything to be done which may alter the website, or interfere with or affect its operation. This includes, without limitation, removing any information from the website, adding any information to the website, linking it to or from another website, distributing any part of the website to any other person or copying any part of it for any commercial or illegal purpose. Any website providers wishing to link to this site may formally request to do so by emailing us at action@tower.co.nz
Viruses and Cookies
Although all reasonable care has been taken to prevent the introduction of viruses and other destructive materials on the website, Tower does not guarantee that the website is free from such destructive features. Tower accepts no responsibility or liability in relation to any harm attributable to such destructive features. If you rely on any materials available through the website, you do so at your own risk.
Tower uses 'first party' and 'third party' (including, but not limited to, Google Analytics) cookies on its website. First party and third party cookies help Tower understand how you engage with our website and enhance your experience while visiting our website. Cookies are small data files that a website host computer sends to a website user's computer to help it remember information you enter, by passing a unique ID between your computer and the Tower website that identifies you. The practice of holding sensitive data in cookies is avoided.
You can choose to delete or change the settings of your cookies from your internet browser. You can disable Google Analytics on this website by installing the following browser plug in: http://tools.google.com/dlpage/gaoptout
Site Access
Tower does not guarantee the continued availability of the website or the continuation of services provided on it. Access to the website and to any saved information may be interrupted, restricted, delayed or unavailable from time to time. Tower accepts no responsibility or liability in relation to any loss suffered in these circumstances.
Copyright
The information, images, screens, web pages, logos and brands on the website and the general content of the website are the property of Tower, who holds copyright in it. The information may not be copied or reused (other than as expressly intended by this website) without the prior written consent of Tower. In particular, in no circumstances should the Tower brand or the Tower logo be used without the written consent of Tower.