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Terms and conditions

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National Pacific Insurance Limited (NPI)

A subsidiary of TOWER Limited

Bound by use

These Terms and Conditions govern your use of NPI’s website. Your use of this website indicates your acceptance of these Terms and Conditions. If you do not agree to comply with or be bound by these Terms and Conditions, please do not access or use this website.

These are the current Terms and Conditions which replace any other Terms and Conditions previously published on the website. NPI may from time to time change or update the content of this website, including these Terms and Conditions without prior notice. Your use of this website after any change or update will constitute your acceptance of the new Terms and Conditions and any additional content we may post on this website.

In these Terms and Conditions, all references to ‘we’, ‘us’, ‘our’ and ‘NPI’ are references to NPI Limited and any of its related companies as defined in the Companies Act 2001. ‘You’ or ‘your’ refers to the person accessing this website. These Terms and Conditions are in addition to, and do not replace, any specific Terms and Conditions applicable to any NPI product, service, marketing and / or promotion.

Use of NPI’s website

You are granted a non-exclusive license to access this website and the information it contains for personal and non-commercial use only. By accessing this website you agree not to use the website for any commercial or competitive advantage; any illegal, defamatory or objectionable purpose; or any purpose which brings or could bring NPI’s reputation into disrepute. You also agree not to decompile, reverse engineer or try to decompile or reverse engineer any part of the website, including the secure sites. Anyone found breaching the user rights will be prosecuted to the full extent of the law.

General disclaimer

Although all reasonable care has been taken in producing the information contained on this website, it is of a general nature only, and does not take into account any individual’s particular circumstances, financial, medical or otherwise. Your use of the material contained on this website is at your sole risk. While we try to ensure that the content of the website is up to date and free from error, we do not give any guarantee or other assurance of the currency of any information on this website or its accuracy, adequacy, completeness or suitability for your intended use. This website is not intended to provide a substitute for comprehensive or specific professional advice. You should not act in reliance upon any information contained on this website without first obtaining professional, independent advice relevant to your individual circumstances. By accessing this website, you confirm you have taken such advice or decided against it.

Accuracy of information

Information provided on this website is provided in good faith and is derived from sources believed to be reliable and accurate. However, certain information may be selective, and NPI advises that it may not be complete for the purposes of any individual or company.


We try to ensure the accuracy of all the information accessible on and through this website. To the fullest extent legally possible, neither NPI Limited nor any of its related companies, or their directors, employees, agents, independent contractors, nor any other person, accepts any liability or responsibility for any loss, damage, cost or expense (including but not limited to financial loss, loss of revenue, loss of profits or savings, indirect or consequential losses) arising in contract, tort (including negligence) or otherwise, that may result from any error, omission or misrepresentation on the website or reliance on information contained on the website or from any use of or access to the website.

NPI makes no representation or warranty about the accuracy or completeness of information and accepts no liability or responsibility in respect of errors in or omissions from information contained on the website, to the extent permitted by law. The information is “as is” and you should always attempt to verify the accuracy of any information accessible on and through the website before you rely on it to make (or refrain from making) any decision or take (or refrain from taking) any action.

To the fullest extent legally possible, we exclude every warranty and condition of any kind that might otherwise apply in relation to the website, its content and functions.


Information may be contained on this website about the products or services of third parties. NPI makes no representation or warranty as to the quality of any of those products or services or their suitability to your circumstances.

From time to time this website may contain links to other external websites which NPI has no control over. These links are provided for convenience only, and do not represent any endorsement by NPI of the products or services offered by the site owner. NPI makes no endorsements or representations and accepts no responsibility or liability in relation to the contents of any website linked to this website that is not under the direct control of NPI. You further acknowledge that NPI is not responsible for the availability of these external sites.

Changes to content

You may not do anything or permit anything to be done which may alter this website, or interfere with or affect its operation. This includes, without limitation, removing any information from the website, adding any information to the website, linking it to or from another website, distributing any part of the website to any other person or copying any part of it for any commercial or illegal purpose. Any website providers wishing to link to this site may formally request to do so by emailing us at [email protected]

Viruses and cookies

Although all reasonable care has been taken to prevent the introduction of viruses and other destructive materials on this website, NPI does not guarantee that the website is free from such destructive features. NPI accepts no responsibility or liability in relation to any harm attributable to such destructive features. If you rely on any materials available through this website, you do so at your own risk.

Cookies are small data files that a website host computer sends to a website user’s computer. NPI may use cookies on its website from time to time to help it remember information you enter, by passing a unique ID between your computer and the NPI website that identifies you. The practice of holding sensitive data in cookies is avoided. Cookies are either automatically removed at completion of the browser session or are set to expire after a predefined period.

Site access

NPI does not guarantee the continued availability of this website or the continuation of services provided on it. Access to this website and to any saved information may be interrupted, restricted, delayed or unavailable from time to time. NPI accepts no responsibility or liability in relation to any loss suffered in these circumstances.


All material contained on this website is the property of NPI and TOWER Limited and protected by copyright. The information may not be used, copied, reproduced, published or reused (other than as expressly intended by this website) without the prior written consent of NPI or its related companies. In particular, in no circumstances should the NPI brand or the NPI logo be used without the written consent of NPI.

Privacy policy

NPI is committed to protecting the privacy and confidentiality of your personal information from any misuse, loss or unauthorised access, modification or disclosure. We may use any information that you directly or indirectly transmit to us to help ensure that we provide you with quality service, and to enable us to keep you informed and up to date with reports, newsletters and details of product changes. In addition, we may use your information to provide additional information to you about our products and the full range of services we offer. If you do not want to receive this information you can let us know by emailing [email protected]

NPI will take reasonable steps to ensure that any identifiable personal information we have collected is stored securely and will not be disclosed outside of NPI without your consent.

The information you provide will be stored physically or electronically (including via cloud storage) by us or our suppliers in American Samoa, New Zealand or elsewhere. We will take reasonable steps to ensure that any personal information that we collect is stored securely. You may request access to, or correction of the information we hold about you.

American Samoan Law

With the exception of parts of the website, unless otherwise stated, the content of the website has been prepared in accordance with American Samoan law for the supply of products and services to persons resident in American Samoa only. Unless otherwise stated, references to any currency are to American Samoan Tala.

The laws of American Samoa govern this website. NPI makes no representations or warranties that the content of this website complies with the laws of any country outside American Samoa. The content of this website, and these Terms and Conditions are governed by and construed in accordance with American Samoan law and American Samoan Courts have jurisdiction.

Comments and complaints

If you would like to make any comments or complaints about the website or any of the information or services available on the website, please contact us. We will try to resolve any complaint as soon as possible.


In designing the website, NPI has incorporated security procedures and practices that we consider are consistent with American Samoan industry practice. We review our security procedures from time to time and update these when relevant. Pages on the website that require the mandatory entry of personal information and/or user name and password are protected by 128-bit encryption. The username, password and personal data are encrypted when transiting over the Internet which prevents tampering with these details.

© 2018 National Pacific Insurance Limited. All rights reserved.