Privacy Policy

1. Introduction

BusinessCarInsurance.co.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.

By using this site, you consent to the practices described in this policy. We may update this Privacy Policy periodically and will post the revised version with a new "Last Updated" date.

2. Information We Collect

a. Personal Information

When you request a quote or interact with our site, we may collect the following information:

• Name and contact details (email address, business address)
• Business details (e.g. name, structure, industry, time in operation)
• Vehicle details (e.g. make, model, year, use for business)
• Insurance needs and claim history
• Financial or operational information relevant to insurance evaluation

b. Automatically Collected Information

We may automatically collect information such as:

• IP address and browser type
• Pages viewed and time spent on site
• Device and operating system details
• Referral sources and exit pages

3. How We Use Your Information

We use the information we collect to:

• Provide and manage insurance quote requests
• Connect you with relevant licensed insurers or brokers
• Contact you regarding your inquiry
• Improve our services, forms, and website functionality
• Comply with legal obligations and prevent fraud

4. Information Sharing and Disclosure

a. Insurance Brokers and Partners

When you submit a quote request through BusinessCarInsurance.co.nz, we share your information with licensed insurance brokers who can provide you with quotes and advice. Currently, we primarily work with:

b. Other Third Parties

We may also share your information with:

• Third-party service providers that support our website, marketing, and customer communications
• Government or legal authorities when disclosure is required by law

We do not sell your personal information. Any third parties we work with are expected to comply with applicable New Zealand privacy standards.

5. Your Rights

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

• Access the personal information we hold about you
• Request correction of inaccurate or outdated information
• Request deletion of your information, where appropriate
• Object to or restrict processing of your information
• Withdraw consent (where processing is based on your consent)

To exercise any of these rights, please contact us at the email below.

6. Data Security

We take reasonable technical and organizational precautions to safeguard your data. However, no internet transmission or storage system is completely secure.

7. Cookies and Tracking

We use cookies and similar technologies to understand user behaviour and improve our site. You may disable cookies in your browser settings, but this may affect your experience.

8. Data Retention

We retain personal information only as long as necessary for the purposes outlined in this policy or to meet legal/regulatory obligations. Quote request data is typically stored for up to 7 years.

9. Third-Party Links

Our site may contain links to external websites. We are not responsible for the content or privacy practices of these third-party sites.

10. Changes to This Policy

We may update this Privacy Policy at any time. Material changes will be communicated on this page with an updated date.

11. Contact Us

If you have any questions or concerns regarding this policy or our handling of your data, please contact:

12. Complaints

If you believe your privacy rights have been breached, you may contact us using the details above. You also have the right to lodge a complaint with the Privacy Commissioner of New Zealand at www.privacy.org.nz.