What is personal information?
Personal information means information about an identifiable individual. This could include your (or other identifiable individuals such as your dependents) name, address, email address, date of birth, gender, occupation, bank account details, contact details, claims details and insurance history.
When and how do we collect your personal information?
We collect your personal information when you are applying for, changing or renewing an insurance policy with us, and when you are lodging a claim.
Wherever possible, we collect information directly from you. There may be occasions when we collect your personal information from a third party. We do this when it is authorised by the Privacy Act 2020 or when you consent to us collecting information from someone else.
Why do we use personal information?
We collect the information to assess your application for insurance, administer your policy, administer and resolve any claim or dispute that may relate to your policy, improve our products and services and your customer experience, marketing initiatives, data analytics and to provide you with information about other products and services we may offer from time to time. We won’t use the personal information we hold about you for any for any other purpose.
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Who can we disclose your personal information to?
We may collect your information from, or disclose it to our third-party business partners, intermediaries, service providers and suppliers (who may be located within or outside of New Zealand) such as:
- loss adjustors, claims handlers, claims investigators;
- information technology providers (such as hardware/software vendors and programmers);
- customer or market research and/or analytical and/or business/marketing strategy service providers;
- underwriters, reinsurers, insurance intermediaries, financial institutions, credit agencies, insurance registers (such as the Insurance Claims Register) and other insurers, including the Earthquake Commission;
- government, law enforcement or statutory bodies;
- our professional advisors;
- policy holders, where you are an insured person, but not the policy holder;
- in the case of a relationship with a corporate partner such as a bank, the corporate partner and any new incoming insurer;
- external dispute resolution schemes; and
- as otherwise communicated to you or required by law.
We will comply with all our legal obligations when we disclose your personal information, including our obligations under the Privacy Act 2020.
What happens if you don’t provide us with your personal information?
If you fail to provide us with accurate or complete information, we may not be able to provide you with insurance or to respond to any claim or dispute.
Storage and security of your personal information
We may use third party providers (located within or outside of New Zealand) to collect, store and process your personal information. We take all reasonable steps to ensure the personal information we collect is protected against loss, unauthorised access, use modification and disclosure or any other misuse. We may store personal information overseas.
How you can request access and correction of your personal information
You have the right to access the information we hold about you. If we withhold information from you, we’ll give you reasons. You can ask us to put our reasons in writing. If you’re not happy with the reasons we give, you can make a compliant by contacting us at email@example.com. You also have the right to request we correct any mistakes or inaccuracies in the information we hold about you, and to attach to that information a statement that a correction was requested but not made.
Other information we collect
We, and our third-party service providers (including but not limited to Google Analytics, Smartlook and LinkedIn Insight tags), may collect information that does not specifically identify you, such as browser information (e.g. your IP address, location pages visited), information collected through cookies, tags and other similar technology (e.g. your IP address, location, page visits, timestamp, what other sites you used prior to coming to our website), demographic information provided by you voluntarily and aggregated information. This information is collected for the purposes of analysing our site or web application usage, improving our website, understanding and optimizing user experience and our services, and evaluating the effectiveness of our marketing. We do not combine this information with personally identifiable information.
Ando Insurance Group Limited
PO Box 6649
Or email us: firstname.lastname@example.org
You are entitled to make a complaint to the Privacy Commissioner if you think that your privacy has been interfered with, including if you disagree with our reasons for withholding information from you.