Terms Of Use

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 us may be used by us to provide information to you about the full range of products and services offered by Sage Partners Limited and its related parties, as well as to assist us 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 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 Sage Partners Limited, or reverse engineer, decompile or attempt to reverse engineer or decompile this site.

On-line forms and indemnity

Where this site allows you to submit forms online, you will ensure that all information submitted in an online claim form is accurate and complete. You indemnify Sage Partners Limited 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 form, we will contact you to confirm the details contained in the form and notify you of any further information we may require in order to process your form, such as signatures or receipts.


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 Sage Partners Limited 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 Sage Partners Limited 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. Sage Partners Limited 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 Sage Partners Limited 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.


Sage Partners Ltd aims to provide you with the highest quality service and support. But if you do have a complaint or encounter a problem, please let us know as soon as you can. Our complaints process outlined below aims to address your concerns. 

▪ Step 1 – Contact us 

Discuss your complaint with the person you’ve been dealing with and try to resolve it. 

▪ Step 2 – Request a review 

If your complaint is not resolved by Step 1, you can arrange to see our Managing Director Geoff Manks, 

call 09 950 4902 or email geoff@sagepartners.co.nz, or we can supply a feedback form for you to detail your concerns. 

▪ Step 3 – Refer your complaint 

If a resolution has not been reached after going through our complaints process, you can refer your complaint to the Insurance & Savings Ombudsman Scheme Inc. of which Sage is a participant. 

This is a free, independent dispute resolution scheme. 

For more information, go to www.iombudsman.org.nz or call 0800 888 202