The information provided on this website (Site) and related communications are provided on an "as is" basis. Subject to the “New Zealand Consumer Law” section below, Cover-More assumes no responsibility for, and makes no representations to you or any other person with respect to the accuracy of the information on this Site.
These Terms and Conditions are effective until terminated by Cover-More.
You use this Site at your sole risk. You agree that you will be personally responsible for your use of this Site and for all of your communication and activity on this Site. We reserve the right to deny you access to this Site, or any part of this Site,
at any time without notice. If we determine, in our sole discretion, that you have engaged in prohibited activities, were not respectful of other users, or otherwise violated the Terms and Conditions, we may deny you access to this Site on a temporary or permanent
basis and any decision to do so is final. Any restrictions imposed on you and all disclaimers and limitations of liability set out in these Terms and Conditions will remain binding on you.
This Site contains both registered trademarks and trademarks which may be the subject of pending applications or which otherwise are protected at law. Unless otherwise indicated, the trademarks are owned by Cover-More and may have protection under the laws of other countries. You are not permitted to use Cover-More’s trademarks without Cover-More's prior written consent.
The material on this Site is the copyright of Cover-More and is protected by copyright under the laws of New Zealand and other countries. You may (a) save an electronic copy, or print out a copy, of any part of this site for your own information and research; or (b) reproduce and communicate to the public any part of this site in connection with non-commercial use of social media websites, provided that in each case you do not modify the reproduction and you include the copyright. You must not otherwise reproduce, publish, perform in public, communicate to the public or make an adaptation of the Content, except as expressly permitted by statute or with Cover-More's prior written consent.
The Site may contain hyperlinks to websites operated by third parties (Third Party Sites). Such links are provided for your convenience. Unless otherwise indicated, Cover-More does not control Third Party Sites and is not responsible for their content.
You must indemnify and keep indemnified Cover-More in respect of all loss and expense suffered by you as a result of any use or exploitation by you of any Third Party Website.
Subject to the “New Zealand Consumer Law” section below, Cover-More disclaims liability for all warranties or representations express or implied, in relation to products or services, or both, referred to in this Site, or offered for sale on this Site by any Third Party. In particular, subject to the “New Zealand Consumer Law” section below, Cover-More shall not be liable to you for any direct, indirect, incidental, special, consequential or exemplary damages, including, but not limited to, damages for the loss of profits, goodwill, use, data or other intangible losses (even if Cover-More has been advised of such damages or the likelihood of such damages), resulting from use of the Site, content or related services.
Product information in relation to products referred to in this Site has been provided by the respective manufacturers or suppliers of the relevant products. Product information and illustrations is published with the permission of the relevant manufacturer and/or owner of that product.
Nothing in these Terms and Conditions is intended to limit your rights under the Consumer Guarantees Act 1993, Fair Trading Act 1996, or any other rights you may have and which by law cannot be excluded.
This Site (excluding any Third Party Sites) is controlled by Cover-More. By accessing this site, you accept that any disputes about this site or the Content are to be determined by the courts having jurisdiction in New Zealand in accordance with the laws in force in New Zealand (subject to the application of any principle of conflict of laws inconsistent with this requirement).
This Site may be accessed throughout New Zealand and overseas. Cover-More makes no representation that the content of this Site complies with the laws (including intellectual property laws) of any country outside New Zealand. If you access this Site from outside New Zealand, you do so at your own risk and are solely responsible for ensuring compliance with all laws in the place where you are located.
Cover-More does not guarantee that your use of this Site will be confidential. Cover-More is not responsible for any harm that you or any person may suffer as a result of a breach of confidentiality in respect of your use of this Site. Any information that you disclose on this Site:
may be used by Cover-More, its agents and contractors in relation to the provision of Services accessible on this Site, including the marketing of those services.
may not be secure during its transmission over the internet.
Third parties may be able to intercept transmissions which make when using this Site.
Some services which you may access on this Site allow you to receive content personal to you. If you use such a service, information permitting us to identify your handset call number will be transmitted over the internet. This will occur even if you have disabled the "Caller Number Display" on your handset.
You may have an account and password. You are responsible for maintaining the confidentiality of your password and account information and are fully responsible for all conduct carried out under this password and account.
Cover-More is not liable for any loss of confidentiality or for any damages arising from your failure to comply with these security measures.
You must promptly report to Cover-More any unauthorised use of your password.
You may contact our customer support team through online chat, calling, via email or any other communication means. You understand and agree that any advice provided from our customer support team is general advice and may not apply to you. In particular, you agree that any rates, coverage, charges, device compatibility and usage estimates given to you by any customer support agent should only be taken as general advice and as a guide. You understand that these may be different or can change at any time without notice to you.
At the time of requesting our products and services, we will ask you to specify if we can email or text product alerts and special offers to you that we believe may be of interest to you. We respect your right not to receive these communications and if you advise us at any time that you do not wish to receive emails or text messages we will disable that functionality for your account. Each and every one of these communications will contain a clear link to Unsubscribe if they are received in Australia. Please note that it may take up to 48 hours for our mailing list to be updated and we apologise if you receive any further emails from us after unsubscribing.
Your use of Cover-More Global SIM and related products and services (Products and Services) is governed by these Cover-More Global SIM Terms and Conditions, which are a legal agreement between you and [United Global SIM Limited] (UGS), together with any additional terms and conditions stipulated from time to time by any Provider.
On your request, UGS will organise for the delivery of your order to your designated delivery address. All deliveries are via New Zealand Post.
If service is deemed unusable due to a damaged SIM or technical issue and the credit is unused, a full refund of the balance applied by the customer will be issued. Alternatively, if the customer has used the service and the balance has been debited as a result, the remaining funds will be credited.
INCORRECT SIM SIZE DELIVERED
If credit is unused, a full refund of the credit applied by the customer will be issued. Alternatively, if the customer has used the service and the balance has been debited as a result, the remaining funds will be credited.
No refunds are issued for credit remaining as a result of user error, such as incorrect dialling format.
A top up has been made within 2 days upon your return
A refund request for the remaining credit can be placed. This will be investigated on a case by case basis. If approved, a $5 processing fee will apply.
NETWORK LOCKED DEVICES
No refunds are issued for credit remaining if the SIM does not work because the handset you were using is locked to a network. As a customer you have stated three times that your device is network unlocked prior to adding credit to the account for the first time.
NETWORK INCOMPATIBLE DEVICES
No refunds are issued for credit remaining if the SIM does not work because the handset you were using is incompatible. As a customer you need to ensure the handset you are using is compatible with the networks in the country you are travelling to.
No refunds are issued for any remaining credit that you have on your account that is unused.
If you have requested a refund due to other reasons, you have the right for your request to be investigated. The maximum credit you can apply for a refund request must be equal or less than the amount you have added. No refunds will be issued due to charges from alternate phones, hotel phones or other charges that are not directly linked to your United Global SIM account.
We will investigate your refund request on a case by case basis. If your refund is approved, a $5.00 processing fee may apply.
Global SIM will only provide refunds as gesture of Goodwill only.
Cover-More is committed to protecting your privacy as required under the Privacy Act 1993. This privacy statement describes how Cover-More collects, uses and discloses your Personal Information.
This Statement also confirms Cover-More’s obligations under the Privacy Act 1993 (including the Information Privacy Principles (IPPs). Our aim is to ensure we both support and comply with these principles. Further information on privacy in New Zealand and the IPPs may be obtained by visiting the website of the Office of the Privacy Commissioner at http://www.privacy.org.nz
As a financial services organisation we are subject to certain legislative and regulatory requirements which require us to obtain Personal Information about you. Personal Information will be treated as confidential information.
Cover-More is required to collect your Personal Information to provide you with insurance products, medical assistance and care, and ancillary telecommunication services and products. Cover-More does not trade, rent or sell information to third parties,
nor uses your Personal Information for any reason other than its intended use. We will only collect necessary Personal Information. If you choose not to provide the information we request, we may not be able to provide you with the products and/or services
you are seeking.
We may collect information which identifies you personally (“Personal Information”) such as your name, date of birth, gender, physical address, email address, telephone number, bank account and credit card details, driver’s licence number,
phone account details and employment history. We may also collect sensitive Personal Information about you from time to time with your consent, depending on the products and services you are seeking from us. This information may include information about a
disability, or medical condition that you have, or health information in general.
Cover-More may also collect non-personally identifiable information such as the type of browser, or operating system you use, your domain name, IP address, access times, referring website addresses and pageviews. Our Internet Service Provider (“ISP”)
automatically identifies your computer by its IP address. When you visit pages on our website, our ISP may log your IP address. We do not link IP addresses to any personally identifiable information. Your IP address is used to gather broad demographic information
only. A User Transaction ID is created each time you enter our website. This ID is used to keep track of your dealings with us, and other requests.
We may also collect information by other means and will take all reasonable steps to inform you if and when we do.
We will only use your information for the purposes you would reasonably expect. The Personal Information we collect may be used for a number of purposes related to providing you with the products and services you are seeking, including:
For other purposes, Cover-More will obtain your consent to use your Personal Information. Cover-More will not use or disclose any of your Personal Information except as described in this Privacy Statement or where we are authorised or required by law.
United Global SIM may disclose your Personal Information both within and outside Australia to:
• Emergency assistance providers, health professionals, travel service providers, repairers and suppliers to respond to medical and other events covered by your insurance policy;
• Family members in the event of medical emergency;
• Customer survey businesses, so we may measure and improve our services;
• The co-insured on any insurance policy, so we may confirm details of the insurance;
• Assessors, investigators, witnesses, medical practitioners and professional advisers to investigate or assess any insurance claim you may make to us;
• Record management and storage businesses, so we may retain records necessary for our business purposes;
• Trusted partners to perform statistical analysis;
• Credit providers or credit reporting agencies for the purposes permitted under the Privacy Act and credit reporting legislation;
• Our service and content providers, dealers and agents, contractors and advisers;
• Our professional advisors including lawyers, accountants, tax advisors and auditors;
• Debt collection agencies and other parties that assist with debt-recovery functions;
• Law enforcement bodies to assist in their functions, Courts of Law or as otherwise required or authorised by law;
• Regulatory or government bodies for the purposes of resolving customer complaints or disputes both internally and externally or to comply with any investigation by one of those bodies;
• Other telecommunications services providers for the purpose of mobile number portability issues; and
• Any other person or for any other purposes that would be reasonably expected.
We are required by law to disclose certain Personal Information about our Global Sim customers (including their name, address and telephone number) to the operator of the Integrated Public Number Database (IPND).
Personal Information in the IPND is used to assist emergency services and safeguard national security. If you consent, information from the IPND may also be published in public directories or used by directory assistance.
From time to time, Cover-More may use your Personal Information to send you information regarding our various products, services and any offers which we may be promoting or special announcements which we think may be of interest to you. These communications are typically made via email, telephone, SMS, or post.
If you would rather not receive communications about our products and services, you can opt out by contacting us at email@example.com by calling 0800 422 015. For Cover-More Global SIM, just contact*500# from your Cover-More Global SIM or +64 9 887 7599 from any other phone.
If you receive the unwanted communication via email, you can select the “opt out” option at the bottom of the email and follow any prompts to remove your name from the mailing list. Please note we will still need to send you essential information about your insurance, your account, and/or changes to your service or plan.
Cover-More may disclose your Personal Information both within and outside New Zealand to:
We are obliged by the IPPs to take reasonable measures to ensure that the Personal Information we hold is accurate, complete and up-to-date. However, the accuracy of your information is largely dependent on what you provide to us. To ensure that we have your most current and accurate Personal Information, please contact us when your information changes (e.g. if you change your name or move house).
If you think your Personal Information may be inaccurate, incomplete or out of date, you can request it to be updated, or update it yourself by logging in to your account.
The security of your Personal Information is given a high priority. We take all reasonable steps to securely store your Personal Information so that it is protected from unauthorised use, access, modification or disclosure. This includes both physical and electronic security measures.
It is a legal requirement that, in some circumstances, we keep records of your Personal Information for a period of 7 years. If this is required, we will maintain this Personal Information on or off site in a secure manner for 7 years. After this, your Personal Information will be destroyed or de-identified.
All such third parties are prohibited from using your Personal Information except to provide these services and they are required to maintain the confidentiality of your information.
If we propose to sell the business, we may disclose your Personal Information to potential purchasers for their due diligence investigations. Disclosure will be made in confidence and it will be a condition of that arrangement that no Personal Information
will be used or disclosed by them.
Cover-More has security measures in place to provide protection against the loss, misuse and alteration of your Personal Information. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your Personal Information, Cover-More cannot warrant or ensure the security of any information you transmit to us, and you do so at your own risk.
When you give Personal Information to Cover-More, that information may be sent electronically to servers outside of the country where you originally entered that information. In addition, the information may be used, stored and processed outside of the country
where you entered that information.
Anyone who knows your account PIN or online username and password can access your account. You must keep your PIN, username and password secure and only share these details with people you authorise to access and manage your Cover-More account. Cover-More accepts no responsibility for information disclosed to parties who know your PIN, username or password.
You are solely responsible for maintaining the secrecy of passwords which may be issued to you and/or any account information. Please be careful and responsible in all of your online dealings.
You can request access to your Personal Information in most cases without restriction or charge. If charges are applicable for providing access we will disclose these charges to you prior to providing you with the information. We will provide you with access to your Personal Information unless we are legally authorised to refuse your request which we will explain in writing. To request your Personal Information, please contact us at the address below. Access to the requested information may include providing you with copies, providing you with the opportunity for inspection or providing you with a summary.
If you believe your privacy has been compromised, contact us in writing. You can email us at: firstname.lastname@example.org or write to us at: Cover-More Travel Insurance, PO Box 105 203 Auckland City Post Shop, Auckland 1143.
If the breach relates to Cover-More Global SIM you can email us at: email@example.com or write to us at: Cover-More Global SIM, PO Box 105-203 Auckland City Post Shop, Auckland 1143.
A member of our Privacy team will contact you within 10 business days.
You may also lodge complaints around privacy breaches with the Office of the Privacy Commissioner by calling them on 0800 442 015 or by emailing them at:
For any other questions regarding privacy, please contact our customer service team on 0800 442 015 or for Cover-More Global SIM you can dial*500#from your Cover-More mobile or +64 9 887 7599 from any phone
This Privacy Statement was prepared in November 2013. We may amend this Privacy Statement from time to time by posting the amended version on our website. We suggest that you visit our website regularly to keep up to date with any changes.
The Unsolicited Electronic Messages Act 2007 (the Act) makes it an offence to send unsolicited commercial electronic messages (“Spam”). Electronic messages include the following:
Mobile phone text messages (SMS)
Multimedia messages (MMS)
Instant messages (IM)
Businesses and individuals in breach of the Act may be subject to financial penalties of up to $200,000. If you use your Cover-More service to send or assist in the sending of Spam you may have your service suspended and/or account terminated as well as face penalties under the Act.
For any other questions regarding Spam and critical Spam issues including denial of service attacks, please contact us by:
Calling Customer Care on *500# from your Cover-More Global SIM or 0800 442 015 from any phone in New Zealand or +64 9 887 7599 from overseas.
For complaints regarding spam and critical spam issues including Spam being received from a Cover-More source, please contact us by:
Calling Customer Care on *500# from your Cover-More Global SIM or 0800 442 015 from any phone in New Zealand or +64 9 887 7599 from overseas;
You can view our http://www.covermore.com.au/guide-to-lodging-a-complaint for more information about the complaints process. We will acknowledge the receipt of your Spam complaint.