Privacy Policy

1. Introduction

BizSure NZ ("we," "our," or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your data when you use our website, contact us for insurance services, or obtain insurance products through us.

We are a licensed insurance broker in New Zealand, and we comply with the Privacy Act 2020 and the Health Information Privacy Code 2020. By using our services, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

We collect personal information that you provide to us directly, as well as information we obtain from third parties in connection with providing insurance services. The types of information we collect include:

• Contact Information: Name, email address, phone number, postal address, and business address
• Business Information: Business name, business type, industry, company registration number, and GST number
• Insurance Information: Policy details, claims history, coverage requirements, and risk information
• Financial Information: Bank account details, payment information, and financial standing related to insurance underwriting
• Health Information: Medical history, health conditions, and other health-related information required for life or health insurance
• Technical Information: IP address, browser type, device information, and usage data when visiting our website

3. How We Use Your Information

We use the personal information we collect for the following purposes:

• Providing insurance broking services and advice
• Obtaining quotes from insurers and presenting options
• Arranging and administering insurance policies
• Processing claims and providing claims support
• Communicating with you about your insurance needs
• Conducting risk assessments and underwriting
• Complying with legal and regulatory obligations
• Improving our services and website functionality
• Marketing insurance products and services (with your consent)

4. Information Sharing

We may share your personal information with the following third parties, as necessary to provide our services:

• Insurance Companies: To obtain quotes, arrange coverage, and process claims
• Underwriters and Reinsurers: For risk assessment and policy administration
• Professional Advisers: Including lawyers, accountants, and loss adjusters when required
• Regulatory Bodies: As required by law, including the Financial Markets Authority and Reserve Bank of New Zealand
• Service Providers: IT providers, payment processors, and other third parties who assist us in delivering services

We do not sell your personal information to third parties. We may disclose information where required by law or to protect our legal rights.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Secure storage of personal information on encrypted servers
• Use of SSL encryption for data transmission
• Access controls limiting who can view personal information
• Regular security audits and employee training
• Secure destruction of personal information when no longer required

While we strive to protect your personal information, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security, but we are committed to maintaining industry-standard protections.

6. Your Rights

Under the Privacy Act 2020, you have the following rights regarding your personal information:

• Right to Access: You may request a copy of the personal information we hold about you
• Right to Correction: You may request correction of inaccurate or incomplete personal information
• Right to Withdraw Consent: You may withdraw consent for processing where consent was the lawful basis
• Right to Complaint: You may complain to the Office of the Privacy Commissioner if you believe your privacy has been breached
• Right to Access: You may request deletion of your personal information, subject to legal retention requirements

To exercise any of these rights, please contact us using the details provided below. We will respond to your request within 20 working days.

7. Cookies

Our website uses cookies and similar tracking technologies to enhance your browsing experience and analyze website traffic. Cookies are small text files stored on your device that help us understand how you use our website.

We use the following types of cookies:

• Essential Cookies: Necessary for the website to function properly
• Analytics Cookies: Help us understand how visitors interact with our website
• Marketing Cookies: Used to track visitors across websites for advertising purposes

You can manage or disable cookies through your browser settings. Please note that disabling cookies may affect the functionality of our website.

8. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will post any changes on this page and update the "Last updated" date at the top.

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information. Your continued use of our services after any changes indicates your acceptance of the updated policy.

9. Contact Information

If you have any questions about this Privacy Policy, wish to exercise your privacy rights, or wish to make a complaint about how we handle your personal information, please contact us: