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Legal notices – Terms of use


CEAS and the CEAS logo are registered trademarks of CEAS. All other trademarks are either owned by CEAS or by other companies.


CEAS makes no representations about the suitability of the content of this site for any purpose. All content is provided "as is" without any warranty of any kind.

CEAS has not made and does not make any warranty of any kind whatever, express or implied, with respect to the contents of this site; and all implied warranties of merchant ability, title, non-infringement and fitness for a particular purpose are hereby disclaimed by CEAS.

CEAS will not be liable to anyone with respect to any damages, loss or claim whatsoever, no matter how occasioned, in connection with access to or use of the contents of this site. In no event shall CEAS be liable for any special, indirect, exemplary or consequential damages or any damages whatsoever, including but not limited to loss of use, data or profits, without regard to the form of any action including but not limited to  contract or negligence or other tortuous actions, arising out of or in connection with  the use, copying or display of the content.

While CEAS believes the content to be accurate, complete and current, there may be inadvertent technical or factual inaccuracies and typographical errors and CEAS does not warrant that the information is accurate or complete or current.

It is your responsibility to verify any information before relying on it. At any time and from time to time CEAS may make changes in the products and/or services described within this website, however, CEAS makes no commitment to update the information and expressly disclaims liability for errors or omissions in it.

Recommendation disclosure

CEAS maintains a strict Code of Business Conduct covering many topics, including antitrust and competition law, conflicts of interest, anti-bribery, privacy, financial reporting, compliance with trade restrictions, protection of confidential information, and compliance with all laws and regulations applicable to the conduct of our business. CEAS also files necessary disclosures with all governmental regulators.

If you have any questions about a CEAS recommendation or mention of another business entity (or about an entity with who CEAS conducts business), please follow-up with CEAS is committed to serving its members in a transparent manner.


These terms and conditions are governed by the laws in force in New Zealand, and you agree to submit to the non-exclusive jurisdiction of the courts of New Zealand. 


The content of this website, including but not limited to the text and images and their arrangement, is the copyright property of CEAS 69 Rutherford Street, Lower Hutt 5010.  This website is operated by CEAS and other companies that are related to CEAS New Zealand (referred to collectively as CEAS). All rights reserved.

Authorisation of use

CEAS hereby authorises you to copy and display the content within this website, but only for your personal or informational and non-commercial use. However, the content shall not be copied or posted in any network computer or broadcast in any media.  

Any copy you make must include this copyright notice. Limited quotations from the content are permitted if attribution to CEAS is included, but you may not copy or display for redistribution to third parties for commercial purposes any portion of the content without the prior written permission of CEAS. No modifications of the content may be made.

No implied licenses

Nothing contained on this website shall be construed as conferring by implication, estoppel or otherwise any license or right under any patent, trademark, copyright (except as expressly provided above), or other proprietary rights of CEAS or of any third party.

General advice warning

This information may be regarded as general advice. The personal objectives, needs or financial situations of individual members were not taken into account when preparing this information.

Accordingly, members should consider the appropriateness of any general advice we have given having regard to your own objectives, financial situation and needs before acting on it.

Where the information relates to a particular financial product, a member should obtain and consider the relevant product disclosure statement before making any decision to purchase that financial product.

Record retention

It is the policy of CEAS to archive all work papers and correspondence regarding members’ Risk Management and Insurance matters for seven (7) years.

After that date, files will then be destroyed without further reference to members (this applies to all policy coverages other than personal injury).

Personal Injury Records are all documents whether broking, underwriting or claims pertaining to an insurance policy which provides cover for any injury to persons regardless of the class of that insurance policy.

Note: This policy applies to CEAS members only.