Terms & Conditions

These Terms & Conditions should be read in conjunction with our Privacy Policy.

Welcome to the LifeCovered website (Site).

LifeCovered Limited provides this Site as a service to its customers. Please review the following basic rules that govern your use of our Site (Agreement). Please note that your use of our Site constitutes your agreement to follow and be bound by these terms. If you do not agree to these terms, please do not use this Site. Although you may bookmark a particular portion of this Site and thereby bypass this Agreement, your use of this Site still binds you to the terms. LifeCovered Ltd may revise this Agreement at any time. You may wish to visit this page periodically for revised terms of use.

Contents of site

Unless otherwise noted, all materials, including images, illustrations, designs, photographs, streaming and video content and written and other materials that are part of this Site (Contents) are copyrights, trademarks, trade dress and/or other intellectual property owned, controlled or licensed by LifeCovered Limited. This Site and all its Contents are intended solely for personal, non-commercial use.

You may download or copy the Contents and other downloadable materials displayed on the Site for personal use only. No right, title or interest in any downloaded/copied materials or software is transferred to you as a result of any such activity. You may not reproduce (except as noted above), publish, transmit, distribute, display, modify, create derived works from, sell or participate in any sale of or exploit in any way, in whole or in part, any of the Contents, the Site or any related software.

Educational Content

The website provides information and comparison services in relation to particular financial products and services. The website does not provide financial advice, tax or legal advice. Nor do we recommend particular products or services. You should take professional financial advice in connection with, or independently research and verify, any information that you find on our website and wish to rely upon. While we aim to keep the information on the website accurate, complete, and up-to-date, we cannot guarantee, and will not be responsible for any damage or loss related to the accuracy, completeness or timeliness of the information. We will not be liable in respect of any losses you may suffer arising out of such information or any reliance you may place upon such information. Nor will we be liable in respect of any losses you may suffer as a result of relying upon information posted on the website by a website member or experts.


This site links to third party websites. You acknowledge and agree that LifeCovered Limited shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any information, goods or services available on or through any third party sites. If you decide to access any of the third-party sites linked to this Site, you do this entirely at your own risk.

Privacy policy

LifeCovered’s privacy policy sets out how we use and protect any information that you give us when you use this website. We are committed to ensuring that your privacy is protected. Click here for our privacy policy.

Your data

It is the responsibility of you, the user, to provide LifeCovered with accurate, complete and current data in order to engage with the services offered by this Site. LifeCovered accepts no responsibility for any loss or damage caused by your failure to provide accurate and up-to-date information when requested. When you provide us with such data, you are recognising that you are a person authorised to do so. If enquiring on behalf of another individual, you are acknowledging that you have first obtained the consent of the subject to share their information.

User comments policy and other submissions

All comments, suggestions, ideas, and other submissions disclosed, submitted or offered to LifeCovered on or via this Site or otherwise disclosed, submitted or offered in connection with your use of this Site (Comments) are property of LifeCovered Limited.

Communication, submission or offering of any Comments shall constitute an assignment to LifeCovered Limited of all worldwide rights, titles and interests in all copyrights and other intellectual properties in the Comments. Thus LifeCovered Limited will own exclusively all such rights, titles and interests and shall not be limited in any way in its use, commercial or otherwise, of any Comments.

LifeCovered Limited is and shall be under no obligation (1) to maintain any Comments in confidence; (2) to pay to user any compensation for any Comments; or (3) to respond to any user Comments. You agree that no Comments submitted by you to the Site will violate any right of any third party, including copyright, trademark, privacy or other personal or proprietary right(s).

You further agree that no Comments submitted by you to the Site will be or contain libellous or otherwise unlawful, abusive or obscene material. You are and shall remain solely responsible for the content of any Comments you make.


LifeCovered Limited provides the materials on this site “as is” without warranties of any kind, either express or implied, including without limitation, warranties of title, implied warranties of merchantability, fitness for a particular purpose or non-infringement of intellectual property. Drewberry Ltd disclaims any duty to update or revise the materials on this site, although Drewberry Ltd may modify the materials at any time without notice.

By your use of this site, you acknowledge that your use is at your sole risk and that you assume full responsibility for all costs associated with all necessary servicing or repairs of any equipment you use in connection with your use of this site. You further acknowledge that Drewberry Ltd shall not be liable for any damages or any kind related to your use of this site.


You agree to defend, indemnify and hold LifeCovered Limited harmless from and against any and all claims, damages, costs and expenses, including legal fees, arising from or related to your use of the Site.

Monitoring Policy

You acknowledge that LifeCovered Limited reserves the right to, and may from time to time, monitor any and all activity or information transmitted through this Site. Use of this Site, authorised or unauthorised, constitutes consent to such monitoring.


Cookies are small text files placed on your computer by websites or sometimes by emails. They provide useful information to companies, which help in all sorts of ways. LifeCovered Limited only uses cookies to measure non-personal information, for example, to learn about the behaviour of visitors to our websites and how they respond to our marketing activity. The more we learn, the better we are at providing relevant and interesting content and services. Check our privacy policy to read more about how we use cookies.


Unless otherwise specified, this Site and the Contents thereof are displayed solely for the purpose of promoting LifeCovered Limited services. This Site is controlled and operated by LifeCovered Limited in New Zealand.

LifeCovered Limited is registered with New Zealand’s Companies Office as a Registered Financial Provider in New Zealand.