Terms and Conditions

Our Terms and Conditions document is designed to assist you in understanding how we collect and use the personal information you provide to us and to assist you in making informed decisions when using our site and our services.

Please Read This Important Information
This on-line information is intended to provide summary information as an introduction to how the Scheme works. For further information on any aspect of the Scheme you should refer to the Brochure, Investment Statement, Trust Deed and Prospectus.

A decision to join the Scheme should be based on more comprehensive detail than is provided by this summary and you should not rely solely upon this summary. The Investment Statement describes the main provisions of the benefits provided by the Scheme, which you must acknowledge you have read as part of your application to join.

What information do we collect?
When you visit our Web site you may provide us with two types of information: personal information you knowingly choose to disclose that is collected on an individual basis and Web site use information collected on an aggregate basis as you and others browse our Web site.

Personal Information You Choose To Provide

Email Information
If you choose to correspond with us through email, we may retain the content of your email messages together with your email address and our responses.

Website Use Information
Similar to other commercial Web sites, our Web site utilizes a standard technology called "cookies" (see explanation below, "What Are Cookies?") and Web server logs to collect information about how our Web site is used. Information gathered through cookies and Web server logs may include the date and time of visits, the pages viewed, time spent at our Web site, and the Web sites visited just before and just after our Web site. We, our advertisers and ad serving companies may also use small pieces of code called "web beacons&" or "clear gifs&" to determine which advertisements and promotions users have seen and how users responded to them.

Web Site Use Information
Broadly speaking, we use personal information for purposes of administering and expanding our business activities, providing customer service and making available other products and services to our customers and prospective customers. Occasionally, we may also use the information we collect to notify you about important changes to our Web site, new services and special offers we think you will find valuable. You may notify us at any time if you do not wish to receive these offers by emailing us.

How Do We Use the Information That You Provide to Us?
Cookies, in conjunction with our Web server's log files, allow us to calculate the aggregate number of people visiting our Web site and which parts of the site are most popular. This helps us gather feedback in order to constantly improve our Web site and better serve our customers. Cookies do not allow us to gather any personal information about you and we do not generally store any personal information that you provided to us in your cookies.

What Are Cookies?
A cookie is a very small text document, which often includes an anonymous unique identifier. When you visit a Web site, that site's computer asks your computer for permission to store this file in a part of your hard drive specifically designated for cookies. Each Web site can send its own cookie to your browser if your browser's preferences allow it, but (to protect your privacy) your browser only permits a Web site to access the cookies it has already sent to you, not the cookies sent to you by other sites.

How Do We Use Information We Collect from Cookies?
Cookies, in conjunction with our Web server's log files, allow us to calculate the aggregate number of people visiting our Web site and which parts of the site are most popular. This helps us gather feedback in order to constantly improve our Web site and better serve our customers. Cookies do not allow us to gather any personal information about you and we do not generally store any personal information that you provided to us in your cookies.

Important Disclaimer regarding other websites
We do not guarantee the relevance or accuracy of any information in any non-Civic website accessed through this site. In most cases those websites have been designed without input from Civic and the content can change at any time without notice to Civic. By including reference or a link to another website Civic is merely suggesting you may want to review the information in those sites. You should not rely on that information to make any investment decision without having first verified the information provided and having sought advice from an investment adviser or financial planner.

Legal Disclaimer
Information on this website is general in nature and whilst every effort has been made to ensure that the information provided is accurate, individuals should not rely on this information to make any investment decision without first having sought advice.

We will endeavour to ensure this website is always up to date. However, information can change without notice and we do not guarantee the currency of information on the website, including information provided by third parties, at any particular time.

Except insofar as any liability under statute cannot be excluded, Civic, the Trustee, their employees and advisers do not accept any liability for any error or omission on this website or for any resulting loss or damage suffered by the recipient or any other person.

The information on this website is intended for residents of New Zealand only. References to $ or dollars mean New Zealand currency unless otherwise specified.

Unless otherwise specified, copyright of information provided on this website is owned by Civic Assurance. You may not alter or modify this information in any way, including the removal of this copyright notice.

Use of Information Policy
In this website, a reference to Civic, Civic Assurance, "us", "we" or "our" is a reference to New Zealand Local Government Insurance Corporation Limited.

Notice of New Services and Changes
Occasionally, we may also use the information we collect to notify you about important changes to our Web site, new services and special offers we think you will find valuable. As our customer, you will be given the opportunity to notify us of your desire not to receive these offers by sending us an email request.