Privacy Policy
Privacy Policy
Last Updated: 10/6/2026
At Kiwi Life Cover, we are committed to protecting your privacy and handling your personal information responsibly in accordance with applicable New Zealand privacy laws, including the Privacy Act 2020.
This Privacy Policy explains how we collect, use, disclose, store, and protect your personal information when you use our website or submit information through our forms.
Last Updated: 10/6/2026
At Kiwi Life Cover, we are committed to protecting your privacy and handling your personal information responsibly in accordance with applicable New Zealand privacy laws, including the Privacy Act 2020.
This Privacy Policy explains how we collect, use, disclose, store, and protect your personal information when you use our website or submit information through our forms.
1. Information We Collect
1. Information We Collect
1.1 Personal Information
We may collect personal information including:
Full name
Email address
Phone number
Date of birth or age range
Residential location
Insurance interests or enquiry details
Employment or lifestyle information relevant to insurance enquiries
Any other information you voluntarily provide
1.2 Automatically Collected Information
When you visit our website, we may automatically collect certain information including:
IP address
Browser type and version
Device information
Pages visited
Date and time of access
Referring websites
Website usage data collected through cookies and analytics tools
This information generally does not identify you personally but helps us improve our website and services.
1.3 How We Collect Information
We may collect information when you:
Complete a form on our website;
Request a quote or comparison;
Contact us directly;
Subscribe to communications;
Interact with advertisements;
Browse our website; or
Engage with our services in any other way.
We collect information by lawful and fair means and, where appropriate, with your knowledge and consent.
1.1 Personal Information
We may collect personal information including:
Full name
Email address
Phone number
Date of birth or age range
Residential location
Insurance interests or enquiry details
Employment or lifestyle information relevant to insurance enquiries
Any other information you voluntarily provide
1.2 Automatically Collected Information
When you visit our website, we may automatically collect certain information including:
IP address
Browser type and version
Device information
Pages visited
Date and time of access
Referring websites
Website usage data collected through cookies and analytics tools
This information generally does not identify you personally but helps us improve our website and services.
1.3 How We Collect Information
We may collect information when you:
Complete a form on our website;
Request a quote or comparison;
Contact us directly;
Subscribe to communications;
Interact with advertisements;
Browse our website; or
Engage with our services in any other way.
We collect information by lawful and fair means and, where appropriate, with your knowledge and consent.
2. How We Use Your Information
2. How We Use Your Information
We may use your information to:
Respond to enquiries;
Connect you with licensed insurance advisers, brokers, insurers, or referral partners;
Provide insurance-related information;
Verify eligibility for products or services;
Improve our website, services, and customer experience;
Send relevant communications and updates;
Conduct analytics and reporting;
Comply with legal and regulatory obligations; and
Prevent fraud, misuse, or unlawful activity.
We may also use aggregated or anonymised information for statistical and business purposes.
We may use your information to:
Respond to enquiries;
Connect you with licensed insurance advisers, brokers, insurers, or referral partners;
Provide insurance-related information;
Verify eligibility for products or services;
Improve our website, services, and customer experience;
Send relevant communications and updates;
Conduct analytics and reporting;
Comply with legal and regulatory obligations; and
Prevent fraud, misuse, or unlawful activity.
We may also use aggregated or anonymised information for statistical and business purposes.
3. Referral Partners and Third Parties
3. Referral Partners and Third Parties
Kiwi Life Cover operates as an independent referral and lead generation service.
By submitting your information, you acknowledge and agree that we may share your personal information with selected licensed insurance advisers, brokers, insurers, or other service providers for the purpose of responding to your enquiry and providing relevant insurance products or services.
We may receive referral fees, commissions, or other compensation from referral partners when introductions are made through our website.
We only share information where reasonably necessary to provide our services.
Kiwi Life Cover operates as an independent referral and lead generation service.
By submitting your information, you acknowledge and agree that we may share your personal information with selected licensed insurance advisers, brokers, insurers, or other service providers for the purpose of responding to your enquiry and providing relevant insurance products or services.
We may receive referral fees, commissions, or other compensation from referral partners when introductions are made through our website.
We only share information where reasonably necessary to provide our services.
4. Marketing Communications
4. Marketing Communications
By submitting your information through our website, you consent to receiving communications from Kiwi Life Cover and/or our referral partners by:
Phone;
Email;
SMS;
Direct messaging services; or
Other appropriate communication channels.
These communications may relate to:
Your enquiry;
Insurance products and services;
Quotes;
Follow-up information;
Promotional offers; or
Relevant updates.
You may opt out of marketing communications at any time by:
Following unsubscribe instructions;
Replying STOP to SMS communications where applicable; or
Contacting us directly.
By submitting your information through our website, you consent to receiving communications from Kiwi Life Cover and/or our referral partners by:
Phone;
Email;
SMS;
Direct messaging services; or
Other appropriate communication channels.
These communications may relate to:
Your enquiry;
Insurance products and services;
Quotes;
Follow-up information;
Promotional offers; or
Relevant updates.
You may opt out of marketing communications at any time by:
Following unsubscribe instructions;
Replying STOP to SMS communications where applicable; or
Contacting us directly.
5. Cookies and Analytics
5. Cookies and Analytics
Our website may use cookies, pixels, analytics tools, and similar technologies to:
Improve website functionality;
Understand visitor behaviour;
Measure website performance;
Personalise content;
Improve advertising effectiveness; and
Enhance user experience.
You can disable cookies through your browser settings; however, some website features may not function correctly.
Our website may use cookies, pixels, analytics tools, and similar technologies to:
Improve website functionality;
Understand visitor behaviour;
Measure website performance;
Personalise content;
Improve advertising effectiveness; and
Enhance user experience.
You can disable cookies through your browser settings; however, some website features may not function correctly.
6. Data Storage and Security
6. Data Storage and Security
We take reasonable steps to protect personal information from:
Unauthorised access;
Misuse;
Loss;
Disclosure;
Alteration; and
Destruction.
We use commercially reasonable safeguards to protect the information we hold.
However, no method of internet transmission or electronic storage is completely secure, and we cannot guarantee absolute security.
We take reasonable steps to protect personal information from:
Unauthorised access;
Misuse;
Loss;
Disclosure;
Alteration; and
Destruction.
We use commercially reasonable safeguards to protect the information we hold.
However, no method of internet transmission or electronic storage is completely secure, and we cannot guarantee absolute security.
7. Overseas Data Processing
7. Overseas Data Processing
Some service providers used by Kiwi Life Cover may store or process information outside New Zealand.
By providing information through our website, you acknowledge that your information may be transferred to, processed in, or stored in countries outside New Zealand where privacy laws may differ from those in New Zealand.
We take reasonable steps to ensure third-party providers handle information appropriately.
Some service providers used by Kiwi Life Cover may store or process information outside New Zealand.
By providing information through our website, you acknowledge that your information may be transferred to, processed in, or stored in countries outside New Zealand where privacy laws may differ from those in New Zealand.
We take reasonable steps to ensure third-party providers handle information appropriately.
8. Access and Correction
8. Access and Correction
You have the right to request access to personal information we hold about you and request correction of information that is inaccurate, incomplete, outdated, or misleading.
We may require verification of identity before processing requests.
You have the right to request access to personal information we hold about you and request correction of information that is inaccurate, incomplete, outdated, or misleading.
We may require verification of identity before processing requests.
9. Third-Party Websites
9. Third-Party Websites
Our website may contain links to third-party websites.
We do not control and are not responsible for the privacy practices, content, security, or policies of third-party websites.
We encourage users to review the privacy policies of any external websites they visit.
Our website may contain links to third-party websites.
We do not control and are not responsible for the privacy practices, content, security, or policies of third-party websites.
We encourage users to review the privacy policies of any external websites they visit.
10. Children's Privacy
10. Children's Privacy
Kiwi Life Cover's services are intended for individuals aged 18 years and older.
We do not knowingly collect personal information from children.
If you believe a child has provided personal information to us, please contact us so appropriate action can be taken.
Kiwi Life Cover's services are intended for individuals aged 18 years and older.
We do not knowingly collect personal information from children.
If you believe a child has provided personal information to us, please contact us so appropriate action can be taken.
11. Retention of Information
11. Retention of Information
We retain personal information only for as long as reasonably necessary to:
Provide our services;
Comply with legal obligations;
Resolve disputes;
Maintain business records; and
Enforce agreements.
When information is no longer required, we take reasonable steps to securely delete or de-identify it.
We retain personal information only for as long as reasonably necessary to:
Provide our services;
Comply with legal obligations;
Resolve disputes;
Maintain business records; and
Enforce agreements.
When information is no longer required, we take reasonable steps to securely delete or de-identify it.
12. Changes to this Privacy Policy
12. Changes to this Privacy Policy
We may update this Privacy Policy from time to time without notice.
Updated versions will be published on this page.
Your continued use of the website following publication of any changes constitutes acceptance of the updated Privacy Policy.
We may update this Privacy Policy from time to time without notice.
Updated versions will be published on this page.
Your continued use of the website following publication of any changes constitutes acceptance of the updated Privacy Policy.