Terms of Use

1. Acceptance of Terms

By accessing or using the website located at www.cruisecover.net (the "Site"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use the Site. We reserve the right to modify these Terms at any time. Continued use of the Site after modifications constitutes your acceptance of the revised Terms.

2. Nature of the Service

CruiseCover.net is an independent information and comparison service. We provide general information about cruise travel insurance products offered by licensed third-party insurance providers. We are not:

• An insurance company, provider, or underwriter
• A licensed insurance agent or broker
• A financial advisor or regulated financial service

Any insurance product you purchase through a link on our Site is purchased directly from the relevant licensed insurer. We are not a party to any insurance contract between you and any insurer.

3. No Insurance or Financial Advice

Nothing on this Site constitutes insurance advice, financial advice, or a recommendation to purchase any specific product. The information provided is for general informational purposes only. Coverage limits, premiums, and policy terms shown on the Site are indicative only and may vary. Always read the full policy document (the Certificate of Insurance) before purchasing any insurance product. If you require personal advice tailored to your circumstances, consult a licensed insurance agent.

4. Affiliate Relationships and Compensation

CruiseCover.net participates in affiliate marketing programs. We may receive compensation when you click a link to a provider and subsequently purchase an insurance policy. This compensation does not affect the price you pay for any policy. Our editorial assessments and rankings are based on independent research and are not influenced by affiliate compensation, except as disclosed.

5. Accuracy of Information

We make reasonable efforts to ensure that information on the Site is accurate and up to date. However, insurance products, pricing, and coverage terms change frequently. We cannot guarantee that all information is current or complete at the time you read it. Always verify product details directly with the insurance provider before making a purchase decision.

6. Third-Party Links

The Site contains links to third-party websites, including insurance provider websites. These links are provided for your convenience. We do not control third-party sites and are not responsible for their content, privacy practices, or terms of service. Following a link to a third-party site is at your own risk.

7. Limitation of Liability

To the fullest extent permitted by applicable law, CruiseCover.net and its operators shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of the Site or reliance on any information provided herein. This includes, without limitation, any losses arising from the purchase of insurance products through links on this Site, any errors or omissions in the information provided, or any inability to access the Site.

8. Intellectual Property

All content on the Site, including text, graphics, logos, and software, is the property of CruiseCover.net or its content suppliers and is protected by applicable US and international copyright laws. You may view and print content for personal, non-commercial use only. You may not reproduce, republish, or redistribute content without prior written permission.

9. Prohibited Conduct

When using the Site, you agree not to:

• •Use the Site for any unlawful purpose
• •Attempt to gain unauthorized access to any part of the Site
• •Reproduce or scrape Site content for commercial purposes without authorization
• •Interfere with the Site's operation or servers
• •Submit false or misleading information in any communication with us

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles. Any disputes arising from use of this Site shall be resolved in a court of competent jurisdiction.

11. Contact

Questions about these Terms? Contact us at hello@cover4you.co.nz.