Insurance / No Advice / Referral Disclaimer
Last updated: 2 June 2026
1. Core disclaimer
OMVA is a software and referral/comparison platform. OMVA is not currently licensed as a Financial Advice Provider, broker, adviser, insurer, or underwriter.
OMVA does not provide personalised financial advice, personalised insurance advice, underwriting, claims advice, or insurer services.
2. Site owners are referrers only
OMVA site owners are referral partners. They must not provide financial advice, insurance advice, personalised recommendations, underwriting, claims advice, or insurer services unless separately authorised by law and approved by OMVA in writing.
3. Quotes and prices
Where available, OMVA may display insurer/provider-supplied prices or quote information. If a price is not confirmed by an insurer/provider, it should be treated as indicative, estimated, or subject to confirmation.
Final price, cover, eligibility, exclusions, acceptance, payment, policy issue, renewal, cancellation, and claims decisions are determined by the relevant insurer/provider.
4. No guarantees
OMVA does not guarantee:
- acceptance for cover
- a particular price
- a particular saving
- policy issue
- claim acceptance
- renewal
- commission availability
- insurer/provider participation
- that a product is suitable for you
5. Customer responsibility
Customers should read insurer/provider documents carefully and consider whether the product meets their needs. Where appropriate, customers should seek advice from a licensed or qualified professional.
6. Prohibited wording
Unless legally and technically verified, OMVA and site owners should avoid:
- "real-time quotes"
- "live prices"
- "buy instantly"
- "policy starts immediately"
- "FMA licensed"
- "RBNZ regulated"
- "licensed advisers"
- "guaranteed savings"
- "best policy"
- "we recommend"
- "all insurers"
- "risk-free"
- "guaranteed commission"
- "guaranteed renewals"
7. Suggested quote-flow notice
"By submitting this form, you agree that OMVA may collect and process your information to provide quotes/referrals, contact you, and share relevant information with insurers/providers or partners where needed. Final eligibility, pricing, cover, exclusions, and acceptance are determined by the insurer/provider. OMVA does not provide personalised financial or insurance advice."