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Terms of Service

Last updated: 20 May 2026

These Terms of Service ("Terms") govern your access to and use of the Omva platform operated by Omva NZ Limited ("Omva", "we", "us"). By creating an account or using the platform you agree to these Terms in full. If you do not agree, do not use the platform.

1. The Platform

Omva provides software tools that allow anyone ("Users") to create and operate branded insurance referral websites. Users act solely as referrers — directing visitors toward insurance providers using Omva's systems. Users do not sell insurance, provide financial advice, handle customer funds, or access any customer personal data. All customer interactions and data are handled directly between the customer and the relevant insurer through Omva's infrastructure. Omva does not itself provide financial advice or insurance products.

2. Eligibility

You must be at least 18 years old and capable of entering a binding contract. No insurance licence or financial services registration is required to use the platform, as Users act only as referrers and do not provide financial advice or sell insurance products. By registering you confirm that you meet these requirements.

3. Accounts

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us immediately at legal@omva.co.nz if you suspect unauthorised access. We may suspend or terminate accounts that violate these Terms.

4. Subscription Plans & Billing

  • Starter — NZ$29/month. One user seat. Basic site creation.
  • Growth — NZ$82/month. Two user seats. Advanced features.
  • Elite — NZ$415/month. Five user seats. Full feature access.
  • Enterprise — Negotiated pricing. Unlimited seats. Custom SLA.

Your first month is available for NZ$1 (the "Trial Period"). After the Trial Period your plan renews automatically at the full monthly rate. You authorise us to charge your payment method on file at the start of each billing cycle. All prices are in New Zealand dollars and are exclusive of GST unless otherwise stated.

5. Cancellation & Refunds

You may cancel your subscription at any time from your Account settings. Cancellation takes effect at the end of the current billing period — you retain access until then. Please see our Refund Policy for full details on eligibility for refunds.

6. Referral Programme

Participation in the Omva Referral Programme is subject to the Referral Partner Agreement. Commissions are not earned on referrals during their Trial Period. Self-referrals are prohibited and will result in forfeiture of any commission and may result in account termination.

7. Acceptable Use

You must not use the platform to:

  • Make false, misleading, or deceptive statements about any insurance product
  • Impersonate any insurer, Omva, or any other person or organisation
  • Collect or process personal data in breach of the NZ Privacy Act 2020
  • Violate the Fair Trading Act 1986 or FMA conduct standards
  • Upload malicious code, conduct security attacks, or attempt to reverse-engineer the platform
  • Resell or sublicence platform access without our written consent

Full acceptable use terms are set out in our Acceptable Use Policy.

8. Intellectual Property

All platform software, designs, trademarks, and content remain the property of Omva NZ Limited. You retain ownership of content you create and upload. By uploading content you grant Omva a non-exclusive, royalty-free licence to host and display it as necessary to provide the service.

9. Disclaimer of Financial Advice

Nothing on the Omva platform or on any site created using Omva constitutes financial advice under the Financial Markets Conduct Act 2013. Insurance comparisons are indicative only. Users and their customers should seek independent advice before purchasing any insurance product.

10. Limitation of Liability

To the maximum extent permitted by law, Omva's total liability to you for any claim arising from these Terms or your use of the platform is limited to the subscription fees you paid in the three months preceding the claim. We are not liable for indirect, consequential, incidental, or punitive damages of any kind.

11. Indemnity

You agree to indemnify and hold harmless Omva NZ Limited and its officers, employees, and agents from any claim, loss, or damage arising from your use of the platform, your breach of these Terms, or your violation of any applicable law or third-party right.

12. Termination

Either party may terminate at any time. We may suspend or terminate your account immediately if you breach these Terms. Upon termination, your sites will be taken offline and your data will be retained for 30 days before deletion, unless a longer period is required by law.

13. Changes to These Terms

We may update these Terms from time to time. We will notify you by email at least 14 days before material changes take effect. Continued use of the platform after the effective date constitutes acceptance of the updated Terms.

14. Governing Law

These Terms are governed by the laws of New Zealand. Any dispute will be subject to the exclusive jurisdiction of the New Zealand courts.

15. Contact

Questions about these Terms: legal@omva.co.nz