Terms of use


This is the official website of Lumley (referred to on the site as "we", "us", "our" or "Lumley"). By accessing our site you agree to our terms of access listed below (as updated from time to time).

General disclaimer

The content on our site is for information only. While we try to ensure that the content of our site is free from error, available to you when you need it, and free from viruses and unauthorised access, we do not warrant that this will always be the case, nor do we warrant the site's accuracy, adequacy, completeness or its suitability for your intended use. The content on our site is not intended to be a substitute for commercial judgement or professional advice, and you should not act in reliance upon any of our site's content, without first obtaining professional advice relevant to your circumstances.

How we use your information

When transmitting your personal information over the Internet, you should remember that the Internet is not a secure environment. Any personal information you transmit to Lumley may be used by Lumley to provide information to you about the full range of products and services offered by Lumley and its related companies, as well as to assist Lumley to create a statistical picture of its customers. We do not sell, publish or give away your information. Information about you provided to us can be used by us or our suppliers to carry out our business. Our policy regarding the privacy of your information is set out below.

Use of cookies

This site uses cookies to store authentication data on your computer. No information about you or your registration is stored in the cookie, only a random string of characters which is used to uniquely identify your computer over the Internet.

Transactional systems

Access to all transactional systems is restricted to authorised users only and is subject to other terms and conditions. Unauthorised users may be subject to criminal or civil prosecution under the laws of New Zealand or under the laws of the country from which unauthorised access took place. 

Use of our site

We grant you a non-transferable, non-exclusive licence to access this site and the information contained within the site. You will not use this site for any purpose which is illegal, objectionable, defamatory or which could potentially damage the reputation of Lumley, or reverse engineer, decompile or attempt to reverse engineer or decompile this site.

On-line claim forms and indemnity

Where this site allows you to submit claim forms online, you will ensure that all information submitted in an online claim form is accurate and complete. You indemnify Lumley from any all loss, damage, liability, costs or expense arising from or in connection with any breach of this clause. Once we have commenced processing your online claim form, we will contact you to confirm the details contained in the claim form and notify you of any further information we may require in order to process your claim, such as signatures or receipts. If you have submitted a claim form and not received confirmation of receipt from us within [5] working days, please contact us by telephone or email to check that we have received your claim form. For the avoidance of doubt, your claim will only be accepted by us if and when we explicitly notify you of this in writing.


We disclaim, to the extent permitted by law, all liability or responsibility to anyone for any direct or indirect loss or damage that may result from your access or use of our site.

Changes to content

All content on this site (including these terms of use) is subject to change at any time.


Unless otherwise specified, the content on this site has been prepared in accordance with New Zealand law for the supply of products and services to persons resident in New Zealand only. The content of this site and any contracts formed with Lumley arising out of this site are governed by New Zealand law and the non-exclusive jurisdiction of the New Zealand Courts.

Links and indemnity

Please contact Lumley for prior permission if you wish to create a hypertext link to any page on this site. If you create a link to our site, you remain fully responsible for any consequences of that link, whether direct or indirect and you will indemnify Lumley against all loss, damage, liability, costs or expense arising from or in connection with the link, or arising from your inappropriate or malicious use of the site. Lumley accepts no responsibility or liability in relation to any content on other websites that are not under our direct control.

Privacy policy

Any information you transmit to us may be used by, collected and stored by us, to advise you of our products and services, or for any other purpose set out in these terms of use or otherwise authorised by you. We do not sell, publish or give away your information. In certain situations, we may be obliged to disclose information to law enforcement or other government agencies, for example in the event of an investigation into any activity that is illegal, or that may expose us to legal liability. You have the right to access and correct your personal information held by Lumley subject to the provisions of the Privacy Act 1993.

Intellectual property

The content of our site is protected by copyright and other proprietary rights and you will not copy, reproduce, adapt, or create derivative works from any information provided on the site in whole or in part without our prior written consent.