In this Privacy Policy, references to “we,” “our,” “us,” or “PIL” mean Personalised Insurances Limited and any related entities.

This policy explains how we collect, use, and protect your personal information in line with the Privacy Act 2020. Please check this page from time to time, as we may update it periodically.

Information We Collect

The types of personal information we may collect include:

• Contact details and identification information

• Details of your insurance cover and history

• Financial information (such as bank account details)

• Sensitive information (for example, criminal records)

We may also record communications you have with us such as phone calls, emails, online chats, or letters for verification, training, and quality purposes.

How We Collect Information

We may gather personal information:

• Directly from you (through our website, phone calls, email, or in writing)

• Indirectly from third parties, where relevant and necessary

By engaging with us, you authorise us to contact third parties when needed to deliver the services you’ve requested.

When you visit our website, certain data is collected automatically. Some of this information may identify you personally.

Why We Collect and Use Your Information

We collect and hold your personal information so we can provide you with insurance and related services. This may include:

• Assessing cover options and setting terms

• Delivering products, services, and account updates

• Notifying you about policy or product changes

• Assisting with claims, complaints, or enquiries

• Training staff and improving customer service

• Contacting you about lapsed, cancelled, or incomplete applications

• Running marketing or awareness campaigns

• Conducting research and statistical analysis

If you provide information about another person, you confirm that you have their permission to do so and to allow us to use it as described in this policy.

Sharing Your Information

We may disclose your personal information to:

• Insurance providers and industry partners

• Our advisers, suppliers, and service providers

• Medical and health professionals

• Referral partners and business associates

• Banks, financiers, investigators, and assessors

• Government agencies or law enforcement (as required by law)

• Any party with a legitimate interest in evaluating or administering insurance or claims

Storage and Security

Your information may be stored physically or electronically (including cloud-based systems) either in New Zealand or overseas. We take reasonable measures to ensure your personal data is safeguarded against unauthorised access or misuse.

Third-Party Websites

Our website may link to other external websites. We are not responsible for the content, practices, or products on those sites. We recommend reviewing the privacy policies of any third-party websites you visit.

Accessing or Correcting Your Information

You have the right to access the personal information we hold about you and request corrections where necessary.

If you have questions, wish to request access, or want to make a privacy-related complaint, please contact our Privacy Officer:

Email: info@personalisedinsurances.co.nz

Phone: 09 3566 999

Post: Personalised Insurances Limited, 161D Marua Road, Mt Wellington, Auckland 1052