Privacy Policy

1. Who We Are

HomeContentsInsurance.co.nz ("we", "us", "our") is a New Zealand-based home contents insurance broker referral service. We operate at homecontentsinsurance.co.nz and can be contacted at hello@cover4you.co.nz.

2. Information We Collect

When you submit a quote request on this website, we collect:

• Personal details: name, email address, phone number
• Property details: address, property type, sum insured
• Insurance preferences: coverage requirements, excess preference
• Technical data: IP address, browser type, pages visited, device type (for analytics and security)

We also use cookies to remember your preferences and improve your website experience. You can disable cookies in your browser settings.

3. How We Use Your Information

We use your information to:

• Match you with suitable NZ-licensed insurance advisers
• Respond to your quote request within one business day
• Improve our website and services based on user feedback
• Comply with legal obligations under the Financial Markets Conduct Act 2013
• Send you updates about insurance news and offers (with your permission)

We do not sell your personal information to third parties. We do not use your information for any purpose other than those listed above without your explicit consent.

4. Sharing Your Information

We share your quote request details with NZ-licensed insurance advisers for the purpose of providing you with home contents insurance quotes. These advisers are:

• Regulated by the Financial Markets Conduct Act 2013
• Required to comply with the Privacy Act 2020
• Bound by their own privacy obligations and professional standards

We may also share information with our website hosting provider and analytics partner (both bound by confidentiality agreements). We do not share your information with any other third parties without your consent.

5. Data Security

We take reasonable steps to protect your personal information from loss, misuse, and unauthorised access, including:

• 256-bit SSL encryption for all data transmission over the internet
• Secure, encrypted storage of personal information
• Access controls limiting who can view your information
• Regular security audits and updates

However, no method of transmission over the internet is 100% secure. While we strive to protect your personal information, we cannot guarantee its absolute security.

6. Your Rights Under the Privacy Act 2020

Under the Privacy Act 2020, you have the right to:

• Access your personal information held by us
• Request corrections to any inaccurate information
• Request deletion of your information (in certain circumstances)
• Opt out of marketing communications

To exercise these rights, contact us at hello@cover4you.co.nz or write to the address below. We will respond to requests within 20 working days.

7. Retention of Information

We retain your personal information for as long as necessary to provide services to you, respond to your enquiries, and comply with legal obligations. Generally, we retain quote request information for 3 years after you submit it. If you do not convert to a policy, we may delete your information sooner at your request.

8. Third-Party Links

This website may contain links to third-party websites (e.g., insurer websites, regulatory bodies). We are not responsible for the privacy practices of those websites. We encourage you to read their privacy policies before providing personal information.

9. Contact Us

For privacy-related enquiries or to exercise your privacy rights, contact us:

Email: hello@cover4you.co.nz

We will aim to respond to your request within 20 working days.

10. Changes to This Policy

We may update this privacy policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of material changes by updating the "Last updated" date on this page and, where appropriate, by email.