Disclosure Statement - Terms and Conditions
Your adviser is required to provide a personalised copy of their disclosure statement when you start doing business them. A generic copy of our disclosure statement follows.
The international health insurance companies that Global Albatross works 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.
Global Albatross is a New Zealand registered Financial Service Provider – FSP number: FSP465706.
Global Albatross is also a participant of the Insurance & Financial Savings Ombudsman Scheme, membership number 2001680.
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.
Where an individual or company engages Global Albatross’s services or gains advice without proceeding with a policy purchase, we reserve the right to apply a fee for the services and specialist advice rendered. Fees will consist of adviser time and any disbursements, such as international calling charges, incurred by the company. Any unpaid invoices will incur default interest charges at the rate equal to 5% per annum above the BNZ Bank commercial overdraft rate and also incur debt collection costs.
Availability and 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. 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 firstname.lastname@example.org. 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. We are not responsible for any loss or damage suffered through the use of those websites or their pages.
Confirmation of health insurance
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 and payment
When you request a health insurance quote via this website it will be provided to you electronically. If you choose to accept the quote and the relevant terms and conditions, and complete every required field in regards to your details, you are permitted to request your desired product. Based on the information provided by you, your request will then be accepted or rejected. Should a health insurance and/or travel insurance application be accepted and successful, a binding insurance agreement will be created for you. A binding insurance agreement will only be presented after a successful charge against the credit card used in the transaction and the reception of payment by the insurer.
Applicable laws and jurisdiction
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. 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.
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.
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.
To discuss any aspect of our service, please contact us.