This website (Website) is owned and maintained by PPS Mutual Limited (Us, We, Our). By accessing this website, you agree to comply with these terms of use (Terms of Use). 

These Terms of Use are governed by the laws of New Zealand.

We may amend these Terms of Use at any time by posting on the Website. If you continue to use the Website, you agree to comply with any amended Terms of Use.

By using the Website, you consent to the collection and processing of your personal information as outlined in our Privacy Policy.

Your use of the Website

You must not:

  • use the Website for any unlawful, defamatory, harmful or objectionable purpose.
  • interfere or attempt to interfere with the operation of the Website or its supporting infrastructure, including by attempting to exceed the capacity of such infrastructure;
  • probe, scan or test the vulnerability of the Website or its supporting infrastructure or attempt to circumvent and security
  • measures implemented for the Website;
  • input personal information in the Website unless you are authorised to do so; or
  • impersonate or misrepresent your affiliation with any person or entity.

By using the Website, you agree to the use of cookies and tracking technologies as outlined in our Privacy Policy.

Content and links

We may modify the content of the Website at any time.

We take care to ensure that the content on the Website is accurate and up-to-date but We do not warrant that all content is accurate, complete or current.

We are not responsible for the content of third-party websites provided through third party links included on the Website or the privacy practices of the operators of those websites. You are responsible for reviewing any third-party website policies.

Professional advice

All Website content is general in nature and provided for information purposes only. It is not a substitute for financial or other professional advice and does not take into account your individual circumstances. 

IP and ownership

All content in this website is the property of Us or Our licensors. You will not copy, modify or distribute that content without Our consent.

Security and access

We do not warrant that the Website is free of viruses and other malicious code but We will use reasonable efforts to ensure this. You are responsible for protecting your internet-enabled devices against viruses and other malicious code.

We are not liable for any unavailability of the Website or your inability to access or use the Website, however caused.

Further information

If you have any queries about the Website please email [email protected].