Compare Income Protection is committed to protecting your privacy. This policy explains how we collect, use, share, and protect your personal information, and your rights under the New Zealand Privacy Act 2020.
1. Who We Are
Compare Income Protection operates a income protection comparison service that connects New Zealand consumers with licensed financial advisers and insurance providers. In this policy, "we", "us", and "our" refer to Compare Income Protection. "You" and "your" refer to the user of our website and service.
2. Information We Collect
We collect the following categories of personal information when you use our service:
Information you provide
- Contact details (name, email, phone number, address)
- Date of birth and gender
- Smoker status, occupation, and existing insurance details
- Coverage amount you are interested in
- Any additional information you give in free-text fields
Information collected automatically
- Device and browser information (IP address, browser type, operating system)
- Usage data (pages visited, time on site, referring URL)
- Marketing attribution (UTM parameters, click identifiers)
- Cookies and similar tracking technologies (see Section 6)
3. How We Use Your Information
We use your personal information to:
- Match you with appropriate financial advisers and insurance providers
- Verify your phone number and identity
- Communicate with you about your enquiry and service updates
- Improve our website and service quality
- Comply with legal and regulatory obligations
- Detect and prevent fraud or misuse
4. Sharing Your Information
We share your information with:
- Partner financial advisers and insurance providers in our network so they can contact you with personalised options. The provider you ultimately deal with is independent and has its own privacy practices.
- Service providers who help us operate the service (hosting, email delivery, SMS verification, analytics) under confidentiality and data-processing obligations.
- Regulators or law enforcement where required by law or in response to a valid legal request.
We do not sell your personal information.
5. Communications and Phone Verification
By submitting your contact details you consent to being contacted by Compare Income Protection and our partner providers by phone, SMS, or email about your enquiry. We may send a one-time code to verify your phone number; the code is valid for a short period and cannot be reused.
You can opt out of marketing communications at any time by replying STOP to an SMS, clicking unsubscribe in an email, or contacting us. Service-related messages (such as confirmations and verification codes) may continue.
6. Cookies and Tracking
We use cookies and similar technologies to make the website work, remember your preferences, measure performance, and support marketing attribution. You can disable cookies in your browser settings, but parts of the service may not work as expected.
We may use third-party analytics and advertising platforms (such as Google Analytics, Google Ads, and Meta) which set their own cookies under their own privacy policies.
7. Your Rights Under the Privacy Act 2020
You have the right to:
- Access the personal information we hold about you
- Correct information that is inaccurate, out of date, or incomplete
- Withdraw consent for marketing communications at any time
- Make a complaint to us, or to the Office of the Privacy Commissioner at privacy.org.nz, if you believe your privacy has been breached
To exercise these rights, contact us using the details below. We may need to verify your identity before acting on a request.
8. Data Security
We use reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorised access, disclosure, alteration, and destruction. These include encryption in transit, access controls, and regular security review. No system is 100% secure; if a notifiable privacy breach occurs we will notify you and the Privacy Commissioner as required by law.
9. Data Retention
We retain your personal information only for as long as necessary to provide the service, comply with our legal obligations, resolve disputes, and enforce our agreements. When information is no longer needed it is securely deleted or de-identified.
10. Overseas Storage
Some of our service providers store data outside New Zealand (for example, cloud hosting providers in Australia, the United States, or the European Union). We take reasonable steps to ensure those providers protect your information to a standard at least equivalent to the Privacy Act 2020.
11. Children
Our service is intended for adults aged 18 and over. We do not knowingly collect personal information from children. If we learn we have collected information from a child without proper authorisation, we will delete it.
12. Changes to This Policy
We may update this Privacy Policy from time to time. The most current version will always be available on this page with the "Last updated" date refreshed. Significant changes will be notified through the website or by email where appropriate.
13. Contact Us
If you have questions, requests, or concerns about your privacy, please contact our Privacy Officer:
Compare Income Protection — Privacy Officer
Email: admin.co.nz