Privacy policy

This Privacy Policy outlines how eMoney Financial Services Limited trading as INSURE MY MORTGAGE ("INSURE MY MORTGAGE", "we", "us", "our") collects, uses, discloses, and protects your personal information in accordance with the New Zealand Privacy Act 2020 ("Privacy Act"). This policy applies to all information collected through our Digital Assets, including our website and online services.

Information We Collect

We collect three main types of information about you:

Personal Information: Information you provide directly to us when you apply for insurance, answer questions, or submit documents such as bank statements, credit card statements, financial statements, pay slips, IDs, etc.
Technical Information: Information that automatically identifies the devices you use to access our Digital Assets, including IP address, cookie data, device information, browser details, operating system identifiers, and location information.
Usage Information: Information related to your activities on our Digital Assets, such as the date and time of visits, pages viewed, interactions with tools and advertising, and other browsing activity

How We Use Your Information

We use your information, including personal data, for various purposes:

To verify your identity.
To assess your insurance needs and provide you with suitable quotes and policies.
To process and administer your insurance applications and policies.
To communicate with you about your insurance policies and other relevant matters.
To improve our services and develop new products and services.
To personalize your experience on our Digital Assets.
To analyze and understand how you use our Digital Assets.
For marketing purposes, with your consent.
For legal and regulatory compliance, including responding to lawful requests from authorities.
To conduct research and statistical analysis (on an anonymized basis).
For resolving disputes and complaints.

Sharing Your Information

We may share your information with third parties in the following circumstances:

With Your Consent: We will share your information with insurance providers and other relevant third parties to fulfill your insurance needs and provide you with the best possible service.
With IT Service Providers: We may use IT service providers to store and manage your information, both locally and internationally. We will ensure that these providers have appropriate security measures in place to protect your information.
To Comply with Legal Obligations: We may be required to disclose your information to comply with laws, regulations, or court orders.
For Dispute Resolution: We may share your information with dispute resolution schemes such as the Financial Services Complaints Ltd (FSCL) to investigate and resolve any complaints you may have.
With INSURE MY MORTGAGE Staff: Your information may be accessed by INSURE MY MORTGAGE staff who need it to perform their roles and responsibilities in accordance with our Privacy Policy.
For Aggregated, Anonymous Data Sharing: We may share aggregated, anonymous data with advertisers and partners to understand how our Digital Assets are used and to improve our services.
For Feedback Utilization: We may use your feedback and comments to improve our services, seek external advice, and for marketing purposes, while respecting your privacy.

Protecting Your Personal Information

We will take reasonable steps to keep your personal information safe from loss, unauthorized access, disclosure, alteration, or destruction. However, no information system is completely secure, and we cannot guarantee the absolute security of your information.

Storage Locations

Your information may be stored on backup hard drives, online drives relying on Microsoft policies, and NAS drives. Cloud storage may take place inside as well as outside New Zealand. We will retain your information for as long as necessary to fulfill the purposes for which it was collected, or as required by law.

Privacy Policy Updates

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the updated policy on our website.

Your Rights

You have the right to request access to and correction of your personal information held by INSURE MY MORTGAGE. You also have the right to withdraw your consent to the collection, use, or disclosure of your information at any time. To exercise any of these rights, please contact us at info@insuremymortgage.co.nz or (022) 000 0049

Please note that there may be some legal or regulatory limitations on your rights to access or correct your information. We will also need to verify your identity before we can provide you with access to your information.

Internet Use

We take reasonable steps to ensure that the personal information you provide is held in secure data storage facilities. However, we cannot provide security over the internet connection that you choose to connect to us. If you provide us with personal information over the internet, the provision of that information is at your own risk.

Queries and Concerns

If you feel concerned that your personal information has been affected in any way or if you feel that we have in some way compromised your personal information, please inform us at:

The Privacy Officer,
eMoney Financial Services Limited t/a INSURE MY MORTGAGE
1/35 Pah Road, Epsom, Auckland 1023
Email: info@insuremymortgage.co.nz
Phone: (022) 000 0049

We commit to acknowledging your complaint and resolving it as per our internal complaint resolution policy. If you are not satisfied with our response to your privacy-related concern, you may lodge a complaint in writing to the Privacy Commissioner website (https://www.privacy.org.nz/).

User Responsibility

By providing us with your personal information, visiting our website, or engaging with INSURE MY MORTGAGE, you acknowledge that you have read and understood this Privacy Policy and agree to be bound by its terms. You also acknowledge that some product/service providers may have their own privacy policies that apply to the information that we collect on their behalf.

Privacy Policy