Privacy Policy

1. Introduction

Car Insurance Comparison NZ ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our website and services.

This Privacy Policy complies with the Privacy Act 2020 and other applicable New Zealand privacy laws. By using our Service, you consent to the collection and use of your information as described in this Policy.

2. Information We Collect

2.1 Personal Information You Provide

When you use our Service to request insurance quotes, we collect:

• Contact Information: Name, email address, phone number, postal address
• Driver Information: Date of birth, driver's license details, driving history, claims history
• Vehicle Information: Make, model, year, registration, usage, security features
• Insurance Information: Current insurer, coverage type, desired coverage level
• Other Information: Any additional information you choose to provide

2.2 Information Automatically Collected

When you visit our website, we automatically collect:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Information: Pages visited, time spent on pages, links clicked, referring website
• Location Information: General geographic location based on IP address
• Cookies and Similar Technologies: Information collected through cookies and tracking pixels

3. How We Use Your Information

We use your personal information for the following purposes:

• Provide Our Service: To connect you with insurance providers and facilitate quote comparisons
• Communicate with You: To respond to inquiries, send quotes, and provide customer support
• Improve Our Service: To analyze usage patterns and enhance user experience
• Compliance: To comply with legal obligations and enforce our terms
• Marketing: To send promotional communications (with your consent)
• Analytics: To understand how users interact with our website

4. How We Share Your Information

4.1 Insurance Providers

When you request quotes, we share your information with insurance providers in our network. These providers use your information to:

• Assess your insurance needs and risk profile
• Provide you with personalized quotes
• Contact you regarding their insurance products
• Process your application if you choose to purchase a policy

Each insurance provider has its own privacy policy governing how they handle your information. We recommend reviewing their privacy policies before purchasing a policy.

4.2 Service Providers

We may share your information with third-party service providers who assist us with:

• Website hosting and maintenance
• Data storage and security
• Email delivery and communication services
• Analytics and performance monitoring
• Customer support services

These service providers are contractually obligated to protect your information and use it only for the purposes we specify.

4.3 Legal Requirements

We may disclose your information if required to do so by law or in response to:

• Court orders, subpoenas, or legal processes
• Requests from law enforcement or government authorities
• Investigations of suspected fraud or illegal activity
• Protection of our rights, property, or safety

4.4 Business Transfers

If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change and how it affects your information.

5. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to:

• Remember your preferences and settings
• Analyze website traffic and user behavior
• Improve website functionality and performance
• Deliver relevant advertising

You can control cookies through your browser settings. However, disabling cookies may affect your ability to use certain features of our website.

6. Data Security

We implement reasonable security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:

• Secure data encryption during transmission (SSL/TLS)
• Secure data storage with access controls
• Regular security assessments and updates
• Staff training on data protection
• Limited access to personal information on a need-to-know basis

However, no method of transmission or storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

7. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services to you
• Comply with legal obligations
• Resolve disputes and enforce our agreements
• Maintain business records

When your information is no longer needed, we will securely delete or anonymize it.

8. Your Privacy Rights

Under New Zealand's Privacy Act 2020, you have the following rights regarding your personal information:

• Access: Request access to your personal information we hold
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal obligations)
• Objection: Object to certain uses of your information
• Withdrawal of Consent: Withdraw consent for marketing communications
• Complaints: Lodge a complaint with the Privacy Commissioner if you believe your privacy rights have been breached

To exercise these rights, please contact us through our Contact page.

9. Marketing Communications

With your consent, we may send you marketing communications about:

• Insurance products and services
• Special offers and promotions
• Updates to our Service
• Industry news and tips

You can opt out of marketing communications at any time by clicking the unsubscribe link in our emails or contacting us directly.

10. Third-Party Websites

Our website may contain links to third-party websites, including insurance provider websites. We are not responsible for the privacy practices of these websites. We encourage you to review their privacy policies before providing any personal information.

11. Children's Privacy

Our Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child without parental consent, we will take steps to delete that information.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of significant changes by:

• Posting the updated Policy on our website
• Updating the "Last updated" date at the top of this page
• Sending you an email notification (for material changes)

Your continued use of our Service after changes are posted constitutes your acceptance of the updated Privacy Policy.

13. International Data Transfers

Your information may be transferred to and stored on servers located outside of New Zealand. When we transfer your information internationally, we ensure appropriate safeguards are in place to protect your information in accordance with New Zealand privacy laws.

14. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us through our Contact page.

If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner at www.privacy.org.nz.