DISCLAIMER, TERMS, CONDITIONS & DISCLOSURE

Disclosure & Privacy Policy

Our Disclosure to you and privacy policy is part of our terms and conditions of using this website which is outlined below.

Advice: By using this site and submitting your details you agree not to use any information on this site as advice. The advice will come from a registered adviser based in New Zealand and is qualified to advise on the information you have supplied. The advice can be done via phone or face to face meeting. Any advice you receive from recommended advisers and/or agents are all registered advisers. All advisers disclosure documents and FSP numbers are stored on the site which you can view below.

Your information: We will not share or on-sell your data to another third party other than for the sole purpose of giving you advice from (the adviser) who will contact you via email or phone.

Age: You must be over the age of 18 to use this site.

Remuneration: The advisors on this site pay a fee to Fly Me High Limited to manage the content and website by way of a licence. The advisers are paid via a commission from the insurance company. How your insurance is structured may reflect on the insurer they decide to use. You do have the right to ask your adviser for their commission structure and how they are rewarded. You also have the right to obtain a copy of their disclosure statement, which will be provided free of charge.

Marketing: We may remarket to you via a cookie tracking code which is outlined in the Google advertising guidelines here. This includes Facebook advertising, which is outlined here. We may also communicate with you via email from time to time.

How we compare: We compare the best voted insurance company voted each year by our advisers that are licenced to use this site. You can view these stats which are displayed once the questionnaire is completed. Each adviser is a New Zealand registered financial adviser (see members below) which also outlines their scope of service. Each adviser may differ in their opinion slightly in relation to the advice you need for your given (personal or business) situation.

This website has done its best to ensure the content on this site is up to date and accurate. We do not give any warrants or guarantees on any claims made and shall not be held responsible for any damages or loss that may occur.

We are not an insurance company.

The information displayed from your assessment is not advice. The information displayed is a basic overview of what is ‘likely’ to be the best company to use based on the limited information provided. The adviser will contact you and structure your cover based on your situation. They will show you price comparisons and company comparisons.

The price guarantee: We will pay $200 in the form of a gift card should you find a better policy that has had separate advice and is proven to be better in both quality and price.

We will not pay out the price guarantee for group schemes, work-related offers or discounted offers (including cash backs) The price guarantee is based on a level playing field which consists of both quality of product and price. The policy quality will be based on QPR Data (independent data available to advisers) should there be a dispute. Our advisers like to play fair!

PRIVACY POLICY

By submitting your details, you agree to an adviser calling you to obtain further information to enable them to give you a full statement of advice and recommendations on policy type and costs.

Website Ownership/Licence & Advice

This website is managed by Fly Me High Limited under licence/agreement with the adviser. The adviser is granted a 30-day licence to use and occupy this website including all content on the website and any electronic communications; including SMS and email. This licence is agreed to when the (adviser) signs up to accept leads (see here http://riskleads.flymehigh.com/)

The licence holders provide advice from enquiries that come via the website (via email, appointment or phone). There are a limited number of licence holders, and each holder must be a registered FSP.

Each adviser agrees to pay a set fee per enquiry generated from this site. All advisers, contracts are listed below including their Scope of Services that they offer.

Fly Me High Limited does not give advice.

Current members are listed below:

How to view an adviser’s FSP number with the New Zealand Companies Office

Click here: https://fsp-register.companiesoffice.govt.nz/
Click on the link that say’s ‘search for financial services provider’
Enter in the FSP number of the adviser

This will display their details which correlate with the agreements, scope of services/disclosure documents above.

Any advice you receive will be from one of these registered advisers. The information supplied on this site has been authorised from the advisers listed above, which include the content, logos and all images.

Any content provided on this site should not be taken as advice until a full needs analysis is completed by your FSP. Any phone calls made by or received by staff at Fly Me High Limited or this website should not be taken as advice.

Content and Articles provided has been approved by the licence holders (advisers)

Website ownership relationship with the company, consumer, and insurance company

This website https://compareincomeprotection.co.nz/ is owned by Fly Me High Limited (the company). You can view our company details here.

This website is part of the Insurance lead network that is supplied by Fly Me High (see URL’s displayed below). All advisers on this site pay a per inquiry fee to Fly Me High Limited, and in doing so, have a 30-day license to use this site and are responsible for the content, images, logos, and information displayed to the consumer.

This is outlined in our original terms and conditions when all advisers joined. This can be viewed here

https://compareincomeprotection.co.nz/

https://comparetraumainsurance.co.nz/

https://comparemedicalinsurance.co.nz/

https://comparemortgageinsurance.co.nz/

Fly Me High Ltd, and its employees do not deal with the insurance companies or give advice. The advice and relationship with the consumer is with the adviser. The adviser has the relationship with the insurance companies.

November 2021