Privacy Policy

1. Introduction

PublicLiabilityInsurance.co.nz (trading as Cover4You) is committed to protecting your privacy and complying with the Privacy Act 2020 and all applicable New Zealand privacy legislation.

This Privacy Policy explains how we collect, use, store, and share your personal information. Please read this policy carefully. If you have any questions about our privacy practices, contact us at info@publicliabilityinsurance.co.nz.

2. What Information We Collect

We collect personal information in various ways:

2.1 Information You Provide

• Quote Form Submissions: When you request a quote, we collect your name, email address, phone number, business details, industry type, number of employees, annual revenue, coverage preferences, and any additional information you provide.
• Contact Forms: When you contact us directly, we collect your contact information and the content of your enquiry.
• Policy Management: If you purchase insurance through us, we collect information needed for policy administration, claims handling, and customer service.

2.2 Information Collected Automatically

• Website Usage: We use cookies and similar tracking technologies to analyse how you use our website, improve our services, and remember your preferences.
• Server Logs: We collect IP addresses, browser information, page visited, time accessed, and referral sources.

2.3 Information from Third Parties

We may receive personal information from insurance companies, underwriters, and other authorised service providers in the course of administering your insurance arrangements.

3. How We Use Your Information

We use your personal information for the following purposes:

• To process your insurance quote requests and provide recommendations
• To manage your policy and provide customer service
• To handle claims and resolve disputes
• To comply with legal and regulatory requirements
• To improve our website, services, and user experience
• To send you relevant insurance information and updates (with your consent)
• To prevent fraud and protect against security threats
• To analyse trends and measure effectiveness of our marketing

4. FormSubmit.co and Third-Party Data Processing

Our contact and quote forms are processed through FormSubmit.co, a third-party service provider. When you submit information through our forms:

• Your data is transmitted securely to FormSubmit.co's servers
• FormSubmit.co forwards your information to butlerdarin@gmail.com
• FormSubmit.co maintains its own privacy policy, which you should review
• We are responsible for ensuring your data is protected once we receive it

By submitting a form, you consent to your information being processed through FormSubmit.co.

5. Sharing Your Information

We only share your personal information with the following types of organisations:

5.1 Insurance Partners

We share your information with insurance companies and underwriters to obtain quotes, place policies, and handle claims. These organisations are bound by confidentiality agreements.

5.2 Service Providers

We may share information with service providers including IT support, payment processors, and legal advisors who assist in providing our services.

5.3 Regulatory Authorities

We may disclose information to the Financial Markets Authority, Privacy Commissioner, or other regulatory bodies as required by law.

5.4 Legal Requirements

We may disclose information if required by law, court order, or to protect our legal rights.

We do not sell or share your information for marketing purposes to third parties.

6. Data Storage and Security

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

• Secure encrypted communication channels (HTTPS)
• Password-protected access to personal information
• Regular security audits and updates
• Limited access to personal data (staff only where necessary)
• Secure disposal of redundant information

While we take security seriously, no system is completely secure. We cannot guarantee absolute security of your information.

7. Retention of Information

We retain personal information only as long as necessary to provide our services and comply with legal obligations. Generally:

• Quote requests: Retained for 12 months to allow for follow-up
• Policy information: Retained for the life of the policy plus 6 years as required by insurance regulations
• Claims information: Retained for 10 years as required by insurance law
• Website analytics: Retained for 13 months

When information is no longer required, we securely delete or anonymise it.

8. Cookies and Tracking Technologies

We use cookies to improve your experience on our website. Cookies are small files stored on your device that help us:

• Remember your preferences
• Analyse website usage patterns
• Improve website functionality
• Track marketing campaign effectiveness

You can control cookies through your browser settings. Disabling cookies may affect your website experience. We use both essential cookies (required for website operation) and optional cookies (for analytics and marketing).

9. Your Privacy Rights Under NZ Privacy Act 2020

You have the following rights regarding your personal information:

9.1 Right of Access

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

9.2 Right to Correction

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

9.3 Right to Deletion

You have the right to request deletion of your information, subject to legal obligations to retain it.

9.4 Right to Withdraw Consent

Where we rely on your consent to process information, you can withdraw that consent at any time.

9.5 Right to Complain

If you believe we have violated your privacy rights, you can lodge a complaint with the Privacy Commissioner at privacy.org.nz.

To exercise these rights, contact us at info@publicliabilityinsurance.co.nz.

10. Direct Marketing

We may send you information about relevant insurance products and services based on your enquiry. You can opt out of direct marketing at any time by:

• Clicking the "unsubscribe" link in any marketing email
• Contacting us at info@publicliabilityinsurance.co.nz
• Calling us on 0800 COVER NZ

11. Children's Privacy

Our website is not intended for children under 13. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child under 13, we will delete it immediately.

12. Links to Other Websites

Our website contains links to external websites. We are not responsible for the privacy practices of these external sites. We recommend reviewing the privacy policies of any external websites before providing your personal information.

13. Privacy Policy Changes

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "last updated" date. We recommend reviewing this policy periodically to stay informed about how we protect your privacy.

14. Contact Us About Privacy

If you have questions about our privacy practices, wish to access your personal information, or want to file a complaint: