At Insurance People, we are committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 2020. This Privacy Policy explains how MPIP Group Limited, including Insurance People Limited and Insurance People (F&G) Limited (Insurance People, we, us, or our) collects, holds, uses and discloses personal information in connection with the financial advice and insurance services we provide.
Who this policy applies to
This policy applies to our clients, prospective clients, insured persons, claimants, referrers, representatives of clients, website users, and other individuals whose personal information we may collect in the course of our business.
What personal information we collect
Depending on the services we provide, we may collect personal information such as:
- your name, address, email address, phone number, and date of birth;
information about your personal, business, employment, financial, or insurance circumstances; - insurance history, policy information, claims history, and underwriting information;
- health or medical information where relevant to the products or services we provide;
- information about assets or risks to be insured;
records of communications with you and with insurers or other relevant parties; and - other personal information you provide to us, or authorise us to obtain, in connection with our services.
How we collect personal information
We collect personal information:
- directly from you; and
- indirectly from other sources, where that is permitted by law and relevant to the services we provide.
We may collect information directly from you when you contact us, complete forms, request a quote, ask us to provide advice, apply for insurance, notify a claim, or otherwise use our services.
We may collect information indirectly where we receive it from someone other than you.
Indirect collection of personal information
We may collect personal information about you indirectly from third parties where necessary to provide our services.
These third parties may include:
- insurers;
- underwriting agencies;
- claims managers, loss adjusters, valuers, repairers, and other claims service providers;
- medical professionals and other specialist advisers;
- other insurance brokers or intermediaries;
- referrers;
- employers, trustees, business partners, or group scheme administrators;
- another insured person where they arrange insurance that also relates to you; and
- public registers and other publicly available sources.
Where you act on behalf of another person or entity, such as a company, trust, family member, or business, we may collect your personal information in that representative capacity, as well as personal information about the person or entity you represent.
Why we collect personal information
We collect, hold, use and disclose personal information so we can provide our services and operate our business. This may include:
- understanding your needs and circumstances;
- providing financial advice and insurance services;
- obtaining quotes and recommendations;
- arranging, placing, administering, reviewing, varying, renewing, replacing, or cancelling insurance;
- assisting with underwriting and claims;
- communicating with you and with insurers and other relevant parties;
- verifying information, preventing fraud, and carrying out compliance checks;
- maintaining and administering our relationship with you;
- managing complaints, disputes, or potential claims; and
- meeting legal and regulatory obligations.
Who we may collect from and disclose to
In the course of providing our services, we may collect personal information from, and disclose personal information to, third parties where reasonably necessary for the purposes described in this policy.
These third parties may include:
- insurers and reinsurers;
- claims managers, loss adjusters, valuers, repairers, and other claims service providers;
- medical professionals and other specialists;
- referral partners;
- quality assurance providers in relation to reviews of our internal processes and systems;
- regulators, government agencies, and dispute resolution bodies; and
- if I intend to sell my business, any prospective purchaser of my business
Third parties identified in this policy may also collect your personal information indirectly from us or from each other where necessary to provide services connected with your insurance arrangements. We can provide further information about recipients on request.
If you do not provide personal information
You do not have to provide us with personal information. However, if you choose not to provide information we reasonably require, we may be unable to provide advice, obtain quotes, arrange insurance, assist with claims, or otherwise provide some or all of our services.
How we store and protect personal information
We generally hold personal information in electronic systems and may also hold hard copy records.
We take reasonable steps to protect personal information from loss, unauthorised access, use, modification, disclosure, or other misuse. These steps include physical security, secure electronic systems, access controls, confidentiality obligations, and internal processes designed to protect personal information.
If we experience a privacy breach that is likely to cause serious harm, we will respond in accordance with our obligations under the Privacy Act 2020.
How long we keep personal information
We keep personal information for as long as needed for the purposes for which it was collected, and for as long as required to meet legal, regulatory, business, and record-keeping obligations.
Access and correction
You have the right to request access to personal information we hold about you, and to request correction of that information if you believe it is inaccurate.
If you would like to access or correct your personal information, please contact us using the details below. If relevant information is held by another party, such as an insurer, we may ask you to contact that party directly or help you identify the appropriate contact.
Changes to this policy
We may update this Privacy Policy from time to time. The current version will be published on our website. By continuing to ask us to assist you with your insurance needs you agree that our most recent Privacy Statement (as shown on our website) applies to our collection, storage, use, and sharing of your personal information.
Contact us
If you have any questions or concerns about this Privacy Policy or how we handle personal information, please contact us:
Insurance People
PO Box 259, Silverdale, Auckland 0944
Phone: 09 360 5622 | 0800 823 823
Email: [email protected]
Website: https://insurancepeople.co.nz
If you are not satisfied with our response, you may complain to the Office of the Privacy Commissioner at
www.privacy.org.nz.