Privacy Policy

Introduction

BuildingsInsurance.co.nz ("we," "us," "our," or "Company") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services.

Please read this privacy policy carefully. If you do not agree with our policies and practices, please do not use our Services. By accessing and using BuildingsInsurance.co.nz, you acknowledge that you have read, understood, and agree to be bound by all the provisions of this Privacy Policy.

1. Information We Collect

We collect information in various ways, including information you provide directly, information collected automatically, and information from third parties.

1.1 Information You Provide Directly

When you use our Services, we may collect personal information such as:

• Name, email address, and phone number
• Property address and location information
• Property type, age, construction details, and features
• Insurance coverage preferences and requirements
• Financial information for quote comparisons
• Communication history and correspondence

1.2 Information Collected Automatically

When you access our website, we may automatically collect:

• IP address and browser type
• Pages visited and time spent on each page
• Referring website and clickstream data
• Device information and operating system
• Cookies and similar tracking technologies

1.3 Information from Third Parties

We may receive information about you from insurance providers, credit reporting agencies, and publicly available sources to enhance our Services and provide accurate comparisons.

2. How We Use Your Information

We use the information we collect for various purposes, including:

• Providing, maintaining, and improving our Services
• Processing and fulfilling your insurance quote requests
• Communicating with you about our Services and offers
• Personalizing your experience on our website
• Conducting analytics and research
• Complying with legal obligations and regulations
• Protecting against fraud and ensuring security
• Managing customer relationships and providing support

3. Legal Basis for Processing

We process your personal information on the following legal bases:

• Your explicit consent
• Performance of a contract with you
• Compliance with legal obligations
• Protection of vital interests
• Our legitimate business interests
• Public interest

4. Information Sharing and Disclosure

We may share your information in the following circumstances:

4.1 With Insurance Providers

To provide you with insurance quotes and comparisons, we share relevant information with participating insurance providers. They use this information to generate personalized quotes.

4.2 With Service Providers

We may share information with third-party service providers who assist us in operating our website and conducting our business, subject to strict data protection agreements.

4.3 For Legal Reasons

We may disclose information when required by law or when we believe in good faith that such disclosure is necessary to comply with legal obligations or protect our rights.

4.4 Business Transfers

If we are involved in a merger, acquisition, bankruptcy, or asset sale, your information may be transferred as part of that transaction.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure.

We use SSL/TLS encryption for all data transmitted between your browser and our servers. Access to personal information is restricted to employees and contractors who need to know this information to provide our Services.

6. Your Rights and Choices

You have the following rights regarding your personal information:

6.1 Access

You have the right to request access to the personal information we hold about you.

6.2 Correction

You have the right to request correction of inaccurate or incomplete information.

6.3 Deletion

You have the right to request deletion of your personal information, subject to certain exceptions required by law or for legitimate business purposes.

6.4 Marketing Communications

You may opt out of receiving promotional emails and marketing communications from us at any time by clicking the "unsubscribe" link in our emails or contacting us directly.

6.5 Cookies

You can control cookie preferences through your browser settings. Most web browsers allow you to refuse cookies or alert you when cookies are being sent.

7. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our website. These include:

• Essential cookies: Required for website functionality
• Analytics cookies: Help us understand how you use our site
• Preference cookies: Remember your settings and preferences
• Marketing cookies: Used to deliver targeted advertising

8. Retention of Information

We retain your personal information for as long as necessary to provide our Services, comply with legal obligations, and resolve disputes. The retention period may vary depending on the context of the processing and our legal obligations.

9. International Data Transfers

Your information may be transferred to, stored in, and processed in New Zealand and other countries that may not have the same data protection laws as your country of residence. By using our Services, you consent to the transfer of your information to countries outside your country of residence.

10. Children's Privacy

Our Services are not intended for children under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will delete such information immediately.

11. Third-Party Links

Our website may contain links to third-party websites. This Privacy Policy applies only to our website. We are not responsible for the privacy practices of third-party websites. We encourage you to review the privacy policies of any third-party websites before providing your personal information.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on our website and updating the "Last updated" date. Your continued use of our Services following the posting of revised Privacy Policy means you accept and agree to the changes.

13. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

14. Regulatory Compliance

This Privacy Policy is designed to comply with:

• Privacy Act 2020 (New Zealand)
• Insurance Council of New Zealand (ICNZ) Guidelines
• Financial Markets Authority (FMA) requirements
• Insurance Intermediaries Act 2011