Privacy Policy

1. Introduction

BusinessLiabilityInsurance.co.nz ("we", "our", or "us") is committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 2020 and other applicable New Zealand privacy laws.

This website is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider regulated by the Financial Markets Authority. When you submit a quote request through our website, your information is received by Evolve Group Limited and, because your enquiry concerns business liability insurance, referred to Blanket Advice Limited (FSP1004126) — a separately licensed Financial Advice Provider — who provide the regulated financial advice on that enquiry and contact you with quotes.

2. Information We Collect

2.1 Personal Information

When you request a quote or use our services, we may collect:

• Your name, email address, and phone number
• Business name, structure, and industry
• Number of employees and annual revenue
• Type of insurance coverage required
• Business address and contact details
• Any additional information you provide in your quote request

2.2 Technical Information

We automatically collect certain technical information when you visit our website:

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on pages
• Referring website and exit pages
• Cookies and similar tracking technologies

3. How We Use Your Information

We use your personal information for the following purposes:

• Quote Provision: To refer your information to Blanket Advice Limited (FSP1004126), who provide the regulated advice and obtain insurance quotes
• Communication: To contact you regarding your quote request and insurance needs
• Service Improvement: To improve our website and services
• Marketing: To send you relevant information about insurance products (with your consent)
• Legal Compliance: To comply with legal obligations and prevent fraud
• Analytics: To understand website usage and optimize user experience

4. Information Sharing and Disclosure

4.1 Blanket Advice Limited

When you submit a business-liability quote request, Evolve Group Limited refers your information to Blanket Advice Limited (FSP1004126), a separately licensed Financial Advice Provider who provide the regulated advice on your enquiry and arrange quotes. Blanket Advice Limited is subject to their own privacy obligations and will handle your information in accordance with privacy laws — see their Disclosure Statement.

4.2 Insurance Providers

Blanket Advice Limited may share your information with insurers on their panel to obtain quotes for your business. These insurers are also subject to privacy laws and professional obligations.

4.3 Service Providers

We may share information with trusted service providers who assist us in operating our website, conducting business, or servicing you, including:

• Website hosting and maintenance providers
• Email and communication platforms
• Analytics and marketing tools
• Payment processors (if applicable)

4.4 Legal Requirements

We may disclose your information when required by law, court order, or government authority, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

4.5 Business Transfers

In the event of a merger, acquisition, or sale of assets, your personal information may be transferred to the acquiring entity.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• SSL encryption for data transmission
• Secure servers and databases
• Access controls and authentication
• Regular security assessments
• Employee training on data protection

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small text files stored on your device that help us:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Deliver targeted advertising
• Improve website functionality

You can control cookies through your browser settings. However, disabling cookies may affect your ability to use certain features of our website.

7. Your Privacy Rights

Under the Privacy Act 2020, you have the following rights:

• Access: You can request access to your personal information we hold
• Correction: You can request correction of inaccurate or incomplete information
• Deletion: You can request deletion of your personal information (subject to legal requirements)
• Objection: You can object to certain uses of your personal information
• Marketing Opt-Out: You can opt out of marketing communications at any time
• Complaint: You can lodge a complaint with the Office of the Privacy Commissioner

To exercise these rights, please contact us using the details provided in Section 11.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this privacy policy, unless a longer retention period is required or permitted by law. When information is no longer needed, we securely delete or anonymize it.

9. International Data Transfers

Some of our service providers may be located outside New Zealand. When we transfer your personal information internationally, we ensure appropriate safeguards are in place to protect your information in accordance with New Zealand privacy laws.

10. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you become aware that a child has provided us with personal information, please contact us.

11. Contact Information

If you have questions, concerns, or requests regarding this privacy policy or our privacy practices, please contact:

You also have the right to lodge a complaint with the Office of the Privacy Commissioner if you believe your privacy rights have been breached:

12. Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by posting the updated policy on our website with a new effective date. We encourage you to review this policy periodically.