Your Global Albatross adviser is required by law to give you a personalised copy of his or her disclosure statement when you start doing business with us. Please see below a generic copy of Global Albatross’ disclosure statement.
The international health insurance companies we work with are licensed and registered in other countries and are bound to the laws and regulations of those countries. All insurers provide disputes resolution schemes. Any complaints about an insurer need to be submitted through the resolution services in the country in which they are registered. In the unlikely event that a complaint needs to be submitted to an insurer, Global Albatross will assist.
If we choose to correspond via telephone or email we have the right to record conversations for quality assurance reasons, training purposes and the prevention of fraud. Commitment to these communication methods represents consent on your part to any such recordings.
GLOBAL ALBATROSS REMUNERATION
Global Albatross is remunerated for its services by the receipt of commission paid by health and travel insurers. Your agreement to proceed with health or travel insurance through us shall constitute your consent to the receipt of commission by the company.
AVAILABILITY & ACCURACY
Global Albatross does not guarantee defects to be remedied or a virus-free website if technical matters interrupt or cause errors in attempts to access this website. All content and information on this website was accurate at the time of publication and sourced and collected from publicly available locations. Any materials provided are on an ‘as is’ basis. None of the information, content, tools, materials or uploaded articles on this website constitute an official offer of health or travel insurance to you.
Any use of materials on this website is done so at the user’s own risk and we are not liable for any damage caused to property, loss of data, computer viruses, infections or any other forms of malicious software as a result. Should an unauthorised third party edit or alter any content or material on this website we will accept no liability to such damage caused. We do not make any representation regarding the full functionality or reliability of the materials on this website.
Maintenance or any other necessary repairs may limit or suspend access to the website without warning or notice to you. Complying with local laws that are applicable to you in the use and access of this website are your responsibility and you are forbidden from making any prohibited transactions of products or services offered on this website. Global Albatross will not be held liable should any of your own content or material be lost when uploading it through this website. We do not offer a guarantee on the availability or the provision of any suggested product and retain the right to withdraw or reject an application for any policy. Any errors found on this website cannot be used to hold Global Albatross liable for any direct or indirect economic losses or loss of revenues, data, profits or damage suffered.
Global Albatross makes no representations about any other websites that you access through this website or websites that link through this one. Links may not be made to this website without approval from us. Please direct requests to email@example.com. Links accessible through this website are to locations that may not be under the control of Global Albatross, and you understand that all dealings with third-party website operators shall be on the terms and conditions of the third party operator. Visiting any external links is done so at your own risk. Terms and conditions found on third party websites may not align with the ‘Terms and Use’ for use of this website, and we are not responsible for any loss or damage suffered through the use of those websites or their pages.
Users agree to indemnify Global Albatross for any and all loss suffered and for any costs incurred as a consequence of any breach to these terms and conditions. We are entitled to enforce this right at any time, even after the immediate event, in respect of any such breach or any subsequent breach of these terms and conditions.
CONFIRMATION OF HEALTH INSURANCE
Submission of your information does not constitute an acceptance of your request or confirmation of an offer. We will communicate when your offer to purchase a product enters our records, and whether your request is accepted or rejected. Notification of confirmation of any insurance policy may be issued electronically or on paper. A binding contract is not reliant upon you receiving a notification on paper.
The information on products and services offered on this website are not comprehensive descriptions of the final terms and conditions or precise cover provided by those products and services. The relevant terms and conditions for each individual product you wish to purchase will be provided either physically or electronically. The particular terms and conditions of any product on offer shall prevail over contradictions with the ‘Terms and Use’ agreement of this website in regards to the policies and insurance of that product.
Before international health insurance cover can be processed or confirmed it is necessary for you to fully and faithfully inform us of everything you know, or could reasonably be expected to know that will be relevant while requesting a health or travel insurance policy.
PURCHASE & PAYMENT
APPLICABLE LAWS & JURISDICTION
The use of this website, any contracts formed in conjunction with this, and these Terms and Conditions are all governed by New Zealand law. If a dispute arises between you and us it will be decided by dispute resolution, or the New Zealand Courts. The only exception to this is on points of patent, trade mark, or copyright protection. Disputes involving these issues will be governed by the law of the country granting the protection. If you have any further questions about our privacy policies or any other matter, please e-mail us at firstname.lastname@example.org.
PRIVACY STATEMENT – Personal Information Collection Statement (PICS)
In order to achieve a successful transaction we require some personal information across the following elements:
· application process;
· administration of health or travel insurance policies, claims and medical and security underwriting checks;
· payment process;
· notification of confirmation for you;
· providing insurance or financial services-related information;
· disclosure requirements required by the law/regulatory authorities.
Personal data may also be shared with the following:
· insurance companies;
· insurance agents;
· third party administrators;
· third party service providers, including legal advisors, investigators, loss adjusters, surveyors, specialists, repairers, accountants and data processors.
The Privacy Act 1993 grants you the right to see or edit any of your own personal information that we hold. If you wish to do either, please write to our Data Protection Officer at 5 School Road, Kaiwharawhara, Wellington. Any personal information including your address, phone number, email and name we may collect will be used by us to respond to your inquiry or be used to improve the promotion of other health insurance services and products within your consent. We may also use any personal information provided by you to measure the use of our website and to improve its content. At times cookies may be used to help us serve you better. A cookie is a tiny element of data sent by a website to your browser, which may then be stored on your hard drive so we can recognise you when you return. You may set your browser to notify you when you receive a cookie and, if you wish, to reject it. We will not release, sell or rent to anyone else personally identifiable data which we have gathered from your visit to our web page unless compelled by law, with your informed consent, to fulfill an order or request you have given to us, or to protect us against unlawful activity, fraud, or any danger to public safety. All personal information that we collect (including your contact details, and if relevant, credit card details) is kept confidential to the best of our ability. You will appreciate, however, that we cannot guarantee the security of transmission.
We have a strict policy against spamming. Spam is an unsolicited email, or UCE (Unsolicited Commercial Email). We forbid the sending of mass emails or unsolicited emails of any kind. Only by sending emails to those who have requested to receive it, are you following accepted permission-based email guidelines. No message filtering system is 100% accurate and from time to time, legitimate messages will be filtered-out. If you believe this has happened to a message you have sent, please advise the message recipient by another means. If you suspect that Global Albatross has been used by someone to send spam, report the activity to us at email@example.com and we will investigate the matter further. We may amend this anti-spam policy at any time by publishing a new version on this website.
A cookie is a file which helps analyse web traffic and keeps track of which websites you have visited. Cookies permit web applications to tailor operations to you as an individual by remembering information about your preferences. In order to help us analyse data about web page traffic we use traffic log cookies to identify which pages are being used; this allows us to improve our website and tailor it to our customer’s needs. A cookie does not give us access to your computer or any information about you, only data you choose to share with us. Web browsers by default will automatically accept cookies, but you are able to turn them off in setting options; this may however prevent you from taking full advantage of the website.
We do not accept responsibility for any loss, damage (including direct, special, or consequential loss or damage), however caused (including through negligence) which you may directly or indirectly suffer in connection with your use of this Site or any linked website, nor do we accept any responsibility for any loss arising out of your use of or reliance on information contained on or accessed through this Site.
Copyright in this website (including text, graphics, logos, icons, sound recordings and software) is owned or licensed by us. Other than for the purposes of, and subject to the conditions prescribed under the New Zealand Copyright Act 1994 and similar legislation which applies in your location, and except as expressly authorised by these terms and conditions, or in any other written agreement between you and us, and in accordance with Clause 20 of the Terms of Trade you may not in any form or by any means: (a) adapt, reproduce, store, distribute, print, display, perform, publish or create derivative works from any part of this website; or (b) commercialise any information, health or travel insurance products or services obtained from any part of this website; without our prior written permission.
You are authorised to print a copy of any information contained on this website, unless such printing is expressly prohibited. You may not however on-sell information obtained from this website without our written permission.
We accept no responsibility for any failure to comply with these terms and conditions where such failure is due to circumstances beyond our control. If we waive any rights available to us under these terms and conditions on one occasion, this does not mean that those rights will automatically be waived on any other occasion. If any of these terms and conditions are held to be invalid, unenforceable or illegal for any reason, the remaining terms and conditions will nevertheless continue in full force.