OmvaOmva

OMVA Terms of Service

Last updated: 2 June 2026

1. Who these Terms apply to

These Terms of Service apply to anyone who accesses or uses OMVA, including visitors, registered users, site owners, referral partners, administrators, and anyone who creates, edits, publishes, or manages an OMVA-powered site.

OMVA is operated by OMVA LIMITED, a New Zealand company. You can contact us at support@omva.co.nz.

By creating an account, using OMVA, publishing a site, submitting a quote request, setting up payouts, or otherwise using the platform, you agree to these Terms and the related policies listed below.

2. Related policies

These Terms include and should be read with:

  • Privacy Policy
  • Cookie Policy
  • End-Customer Privacy Notice
  • Referral Partner Agreement
  • Acceptable Use Policy
  • Commission, Earnings & Payout Terms
  • Subscription, Billing, Cancellation & No-Refund Policy
  • Insurance / No Advice / Referral Disclaimer
  • AI Content & Generated Copy Policy
  • User-Generated Content Policy
  • Domain Terms
  • Marketplace Terms
  • Careers Privacy Notice, if you apply for a role
  • Complaints & Disputes Policy
  • Security & Data Handling Page
  • Subprocessor / Third-Party Services List
  • International Data Transfer / Data Processing Addendum-style terms

If there is a conflict between these Terms and a more specific policy, the more specific policy applies to that topic.

3. What OMVA is

OMVA is a software platform that helps users create branded insurance referral/comparison websites. OMVA provides templates, site-building tools, analytics, referral tracking, commission reporting, payout tools, and related services.

OMVA may display insurer/provider-supplied prices or quote information where those integrations are available. Final pricing, cover, exclusions, eligibility, acceptance, policy terms, claims handling, and policy administration are determined by the relevant insurer/provider, not by OMVA or by an OMVA site owner.

4. What OMVA is not

Unless OMVA later clearly states otherwise through a properly licensed legal entity and verified licence scope, OMVA is not:

  • an insurer
  • an underwriter
  • a broker
  • a financial adviser
  • an insurance adviser
  • a claims adviser
  • a registered Financial Advice Provider
  • a provider of personalised financial advice
  • a provider of personalised insurance recommendations

OMVA users and site owners must not represent themselves as insurers, brokers, advisers, underwriters, licensed financial service providers, or representatives of OMVA or any insurer unless legally authorised in writing.

5. Account eligibility

OMVA account holders and site owners must be at least 18 years old. OMVA does not knowingly allow anyone under 18 to create, operate, publish, or monetise an OMVA-powered site, receive commissions, or set up payouts.

End-customer age eligibility depends on the relevant insurer, provider, product, and applicable law. Some products may require the customer to be 18 or older, may require parent/guardian involvement, or may be unavailable to minors.

You must provide accurate information when creating an account and must keep your account information up to date.

6. Your account responsibilities

You are responsible for:

  • keeping your login details secure
  • all activity that occurs through your account
  • ensuring your site content and marketing are legal and accurate
  • complying with all laws that apply where you live, operate, market, or receive customers
  • ensuring that any logos, text, images, domains, testimonials, ads, or other content you upload or publish are lawful and do not infringe anyone's rights
  • ensuring you do not provide financial advice, insurance advice, claims advice, underwriting, or personalised recommendations through OMVA unless legally authorised

You must notify OMVA immediately if you believe your account has been compromised.

7. Site owner / referral partner role

If you create or operate an OMVA-powered site, you are a referral partner/site owner. You may market your OMVA-powered site, subject to these Terms, the Referral Partner Agreement, and the Acceptable Use Policy.

You must not claim or imply that you are selling insurance, issuing policies, underwriting risk, handling claims, or providing personalised insurance advice unless you are separately authorised by law and OMVA has approved that status in writing.

8. Customer data separation

Site owners do not receive raw customer personal information through OMVA unless OMVA expressly enables a specific lawful feature in the future. OMVA may provide site owners with aggregated, non-PII reporting such as traffic, conversion, referral, commission, and performance numbers.

End-customer personal information is controlled and processed by OMVA and/or relevant insurers/providers/partners as described in the Privacy Policy and End-Customer Privacy Notice.

9. Subscriptions and paid features

OMVA may offer free, trial, paid, annual, monthly, or custom subscription plans. Plan features, pricing, limits, and commission rates may differ by plan and may change over time.

You are responsible for all subscription fees, taxes, and charges associated with your account. Details are covered in the Subscription, Billing, Cancellation & No-Refund Policy.

No refunds are provided except where required by law or expressly approved by OMVA.

10. Commissions and payouts

Commissions, referral earnings, renewal commissions, bonuses, and payouts are not guaranteed. They may depend on plan eligibility, insurer/provider approval, valid referral tracking, compliance review, fraud checks, policy status, cancellation, chargebacks, reversals, customer eligibility, and other conditions.

Payouts are handled according to the Commission, Earnings & Payout Terms. OMVA may withhold, delay, reverse, freeze, or cancel commissions or payouts where permitted by those terms or required by law.

11. Insurance quote and comparison features

OMVA may help customers request, compare, or view insurance options. Any prices, cover, exclusions, eligibility, availability, and acceptance are ultimately determined by the relevant insurer/provider.

Do not rely on OMVA or any OMVA-powered site as a substitute for professional advice. Customers should read insurer/provider documents and consider whether a product is suitable for their needs.

12. User-generated content

You are responsible for content you create, upload, generate, publish, or distribute using OMVA. This includes names, logos, templates, pages, copy, AI-generated text, claims, testimonials, ads, domains, and third-party marks.

OMVA may review, scan, moderate, remove, edit, block, unpublish, suspend, or delete content or sites that breach these Terms, create legal risk, mislead customers, infringe rights, or create regulatory risk.

13. AI-assisted features

OMVA may provide AI-assisted drafting, copy generation, palette generation, chat, help, error intelligence, or product guidance features. AI output is draft content only. You must review it before publishing or relying on it.

AI must not be used to provide financial advice, insurance advice, legal advice, claims advice, underwriting, guarantees, unsupported savings claims, or unsupported licensing/regulatory claims.

14. Domains

At launch, OMVA does not buy or hold domains for users. Users are responsible for any domains they connect, including ownership, DNS, registrar account access, renewals, transfers, and permissions.

Future OMVA domain purchasing/holding/custody services will be subject to separate terms.

15. Marketplace

Marketplace features may include site resale, valuation estimates, domain custody, buyer/seller acknowledgements, payout holds, transfer locks, or customer data restrictions. These features may be feature-flagged, geographically limited, eligibility-limited, or unavailable on some accounts.

Use of any OMVA marketplace feature is subject to the separate Marketplace Terms and any additional seller, buyer, domain, payout, or transfer acknowledgements OMVA requires at the time.

16. Prohibited conduct

You must not:

  • break the law
  • provide unauthorised financial or insurance advice
  • mislead customers or insurers
  • impersonate OMVA, insurers, brokers, regulators, advisers, or another business
  • use insurer logos or trademarks without permission or lawful basis
  • create fake referrals, fake traffic, fake customers, fake claims, or fake earnings
  • make unsupported claims about savings, awards, licensing, regulatory status, guaranteed income, or guaranteed commissions
  • send spam or unlawful marketing
  • scrape, attack, overload, reverse engineer, or interfere with OMVA
  • upload malware or harmful code
  • try to access another user's data or customer data
  • bypass security, billing, subscription, domain, payout, or referral controls

17. Suspension and termination

OMVA may suspend, restrict, unpublish, or terminate accounts, sites, payouts, domains, referrals, or access if we believe there is a breach of these Terms, legal risk, fraud, harmful conduct, non-payment, security risk, or regulatory concern.

We may also remove content, pause referrals, block payouts, or contact insurers/providers where necessary.

18. Service availability and changes

OMVA may change, pause, update, or discontinue features at any time. We do not guarantee uninterrupted service, specific uptime, specific integrations, specific insurers/providers, specific commission outcomes, or ongoing availability of any plan, template, domain feature, AI feature, marketplace feature, or third-party integration.

19. Disclaimers

To the maximum extent permitted by law, OMVA is provided on an "as is" and "as available" basis. We do not guarantee that:

  • any user will earn income
  • any customer will buy insurance
  • any referral will be approved
  • any policy will be issued
  • any renewal commission will continue
  • any quote or price will remain available
  • any insurer/provider will accept a customer
  • any site will receive traffic or conversions
  • AI-generated content will be accurate, lawful, or safe to publish

20. Liability limits

To the maximum extent permitted by law, OMVA LIMITED is not liable for indirect loss, loss of profits, loss of revenue, loss of goodwill, loss of data, loss of business opportunity, regulatory penalties caused by your breach, third-party service failures, insurer/provider decisions, or user-published content.

Nothing in these Terms limits rights that cannot legally be limited.

21. Indemnity

You agree to indemnify OMVA LIMITED against claims, losses, costs, damages, fines, penalties, or expenses arising from your breach of these Terms, unlawful marketing, unauthorised advice, misleading content, infringement of rights, misuse of customer data, fake referrals, or breach of applicable law.

22. Governing law

These Terms are governed by the laws of New Zealand. Courts and dispute forums in New Zealand will have jurisdiction, except where mandatory consumer or privacy laws in another country apply and cannot be excluded.

23. Contact

Contact OMVA at support@omva.co.nz.