Terms & Conditions

'PetsRUs Voucher Offer' Terms and Conditions

1. The offer is for ten $100 PetsRUs vouchers.
2. The voucher will be delivered via a code to the winners that can be used online at petsrus.co.nz.
3. The winners will be contacted after the offer closing period by email.
4. The offer will close on 31 December 2024.
5. The voucher is not redeemable for cash.
6. Pet-n-Sur's standard policy acceptance terms will apply to all 'PetsRUs Voucher Offer' applications.

'Refer a Friend' Terms and Conditions

1. Pet-n-Sur's standard acceptance terms will apply to all 'Refer a Friend' Applications.
2. The 'Refer a Friend' reward shall be in the form of a Gift Voucher.
3. Vouchers are not redeemable for cash.
4. Policies shall be considered valid for 'Refer a Friend' gift vouchers when the following criteria is met -
   a) The Policy has been open for at least 7 days and
   b) Pet-n-Sur has received at least 1/12 of the Annual Premium in cleared funds.
5. Pet-n-Sur will send the Voucher to an email address specified by the Referrer.
6. Pet-n-Sur's standard policy acceptance terms will apply to all 'Refer a Friend' applications.

'SuperGold' Terms and Conditions

1. The SuperGold offer is only available on new policies taken out by SuperGold Card Holders.
2. The SuperGold offer does not apply to existing policies that did not have a SuperGold discount applied at the time they were first taken out.
3. The SuperGold offer is not available in conjunction with any other offer or discount available through Pet-n-Sur.
4. Beneficial Insurance Limited (BIL) reserves the right to amend or remove the SuperGold offer at any time. Any such amendment will take effect at the next Renewal Date of the Policy.

Website Information

AI Chatbot Disclaimer

Please read this disclaimer carefully before engaging with the AI Chatbot (“Ace”, “the chatbot”) provided by Beneficial Insurance Limited under the Pet-n-Sur brand (“Pet-n-Sur”). By accessing and using the chatbot on our website, you acknowledge and agree to the terms and conditions of this disclaimer.

1. General Information: The chatbot has been designed to provide general information related to Pet Insurance products available through Pet-n-Sur from information available on our website. While the chatbot strives to provide accurate and helpful information, we cannot guarantee the information will be complete, accurate or up to date. Accordingly, the information provided by the chatbot should not be considered policy advice or a substitute for a consultation or discussion with one of our human team members. The chatbot is an AI program and not an employee of Beneficial Insurance Limited.
2. Liability Disclaimer: Users of the chatbot bear sole responsibility for their interactions and reliance on the information provided. Pet-n-Sur shall not be held liable for any errors or omissions in the information provided by the chatbot or for any actions taken or not taken in reliance upon it. We expressly disclaim any liability for any direct or indirect damages arising from using or relying on the chatbot’s responses or the content provided on this platform.
3. Data Privacy and Security: We prioritise the privacy and security of our users’ information. Be aware that chatbot conversations may be reviewed by our content team to improve results. While OpenAI may retain logs of these conversations for a limited number of days, this data is not used to train their AI models. However, you should not share any sensitive or personal information in your conversations.

Pet-n-Sur do their best to ensure that any information, data, services, systems, articles, bulletins and other content published from time to time on the Website ("Content") is accurate and complete. However we do not warrant that the Content is accurate or complete. We therefore recommend that you check the accuracy and completeness of any Content with Pet-n-Sur on 0800 738 678 before purchasing any products or services.

Advice

The Content of the Website is intended for general information only and should not be construed as professional advice. We recommend that you take appropriate professional and legal advice before entering into any binding contracts. All information quoted on the Website is indicative rather than definitive. Your Policy Schedule and Wording will contain the full Terms and Conditions in relation to your Policy and we recommended you read through the document thoroughly.

Terms of Use

You may use the Website and Content for your own private, non-professional use only. You may not use, copy, disseminate, distribute or re-sell the Website or Content (or any part thereof) for any commercial use or purpose whatsoever without our prior written consent. The Website and Content has been specifically designed for use solely in New Zealand because the Content relates to products and services available to residents of New Zealand only. You must not use the Website or Content in countries where it is restricted or prohibited by local laws, regulations, codes or customs.

Limitation of Liability / Disclaimer

• We shall not be liable for any loss, damages, costs, claims or expenses whatsoever arising from:
• the acts, errors or omissions of our company or our website builders
  the accuracy or completeness of the Website or Content;
• your use of the Website and Content otherwise than in accordance with these Terms of Use.

In no event shall we be liable for any indirect or consequential loss or damages whatsoever (including, without limitation, loss of profits) incurred by you or in respect of any claim made against you by any third party arising as a result of, or in connection with, your use of the Website or Content. The Website and Content are provided 'as is'. All warranties whether express or implied under law (including, without limitation, any warranties in relation to the Content, information, data, services, interrupted use, errors, omissions, delays, termination of service, loss of data for any reason, fitness of purpose, infringement of third party property rights) are hereby expressly excluded to the fullest extent permitted by law.

Links

Some pages on the Website contain hypertext links to and from websites not operated or maintained by us ("Third Party Websites"). You are reminded that when you enter a Third Party Website by means of hypertext links from the Website, you will be subject to the terms and conditions of the Third Party Website you are entering. Similarly, when you enter the Website using hypertext links from a Third Party Website, you will be subject to these Terms of Use.

Governing Law and Jurisdiction

These Terms of use are governed by the laws of New Zealand and you agree to submit to the exclusive jurisdiction of the courts of New Zealand.

Cookies

A cookie is a text-only string of information that a website transfers to the cookie file of the browser on your computer's hard disk so that the website can remember who you are. A cookie will typically contain the name of the domain from which the cookie has come, the "lifetime" of the cookie, and a value, usually a randomly generated unique number.

Amendments

From time to time, we may change the Terms of Use, the Disclaimer, the Privacy Policy and any other terms and conditions applicable to the Website or to any services offered by Pet-n-Sur. By using the Website and such services, you are deemed to have accepted any such changes.

Financial Strength Rating

All licensed insurers are required to have a Financial Strength Rating ("FSR") from a rating agency authorised for this purpose by the Reserve Bank of New Zealand. Beneficial Insurance Limited has been rated B++ Outlook Stable by AM Best Company. The AM Best company financial strength rating scale is as follows:

Secure

• A++, A+ (Superior)
• A, A- (Excellent)
• B++, B+ (Good)

Vulnerable

• B, B- (Fair)
• C++, C+ (Marginal)
• C, C- (Weak)
• D (Poor)
• E (Under Regulatory Supervision)