Terms and conditions for the website


Thank you for using this Sovereign website ('Website'). Below you will find the terms of use for the site.


The domain name for the Website is owned by the Sovereign group of companies ('Sovereign'). The Website, content and all products and services available through the Website are owned and operated by companies within the Sovereign group. By accessing and using the Website you unconditionally agree to be bound by the following terms and conditions of use ('Terms').

Variation of terms

Sovereign reserves the right to vary the information on the Website, including these Terms, at any time without notice. Please check these Terms periodically for changes. Your continued use of the Website following the posting of any changes to the Terms indicates your acceptance of those changes.


The contents of the Website have been prepared in accordance with New Zealand law for the supply of products in New Zealand only. The contents of the Website are governed by New Zealand law and New Zealand courts have exclusive jurisdiction in relation to the Website. This Website is for access and use by persons resident in New Zealand only.

The distribution of information contained on the Website may be restricted by law in some countries. The information does not constitute an offer or solicitation in any jurisdiction in which such an offer or solicitation is not authorised or to whom it is unlawful to make such an offer or solicitation.


The information on this Website is not an offer by Sovereign to enter into a contract with you, except where expressly stated.  You should carefully read the applicable terms and conditions before registering for any promotion or applying for any product or service made available through this Website.

Use of the site

The information provided by the Website is of a general nature. While we have endeavoured to ensure that the content and material on the Website is correct, Sovereign does not warrant its accuracy, reliability, completeness or that it is up to date. In no event shall Sovereign be responsible for any loss or damage of whatever kind arising out of access to, use of, or reliance on any information contained on the Website.

Your use of the Website is at your own risk. You agree that Sovereign is not responsible for any damage or harm arising out of your use of the Website. You also agree that all warranties, conditions and representations in respect of the Website (express or implied) are excluded to the fullest extent permitted by law. Neither Sovereign, nor any of its directors, officers, employees or agents, nor any other party involved in creating, producing or delivering the Website or any of its content, is liable for any direct, indirect, consequential, or special loss or damage (including loss of profits or opportunities and exemplary and punitive damages), which are excluded to fullest extent permitted by law, arising out of your access to, or use of or inability to use, the Website or arising from your reliance or non-reliance on the content available on or through the Website. To the extent permitted by law, you indemnify Sovereign from and against all actions, claims, suits, demands, liabilities, costs or expenses arising out of or in any way connected to your use of the Website.

Any dealings with any advertised or other third party appearing on the Website are solely between you and the advertiser or third party. Sovereign is not responsible or liable for any part of any such dealings.

Independent advice

You should seek your own professional advice as to the suitability of any product referred to on the Website. Sovereign does not recommend that you take up a particular product. The information on the Website does not take into account any person's particular circumstances. Nothing in this site shall be deemed to constitute financial or other professional advice in any way.

Intellectual property rights

Sovereign or its suppliers own all copyright and other intellectual property rights in the information contained in the Website or otherwise connected with the Website. No part of the Website may be reproduced, transmitted, stored or otherwise dealt with (including in any other Website or other electronic form) without the consent of Sovereign except that you may print, or download to your hard drive extracts from the Website for your own personal use.

Links to other websites

The Website may contain links to websites operated by parties other than Sovereign. Sovereign has no control over such websites or the content of such websites. Sovereign accepts no responsibility or liability in relation to any other websites or any content on any other websites. Your linking to any other website is at your own risk.

Hypertext linking

Under no circumstances are you to create a hyperlink to any of the pages on the Website, unless Sovereign provides you with its prior written consent to do so. If you do create a link to any of the pages on the Website, you acknowledge that you are responsible for all direct or indirect consequences of the link, and you indemnify Sovereign for all loss, damage, liability, costs or expense arising from or in connection with the link.

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The information contained on this website is general in nature and is not intended as advice. It may not be relevant to individual circumstances and before making any investment, insurance or financial planning decision; you should consult a professional adviser. Copies of our disclosure statements are available on request, free of charge.​