Privacy Policy
Privacy Policy | Cartwrights Limited
In this Privacy Policy, 'we', 'us' and 'our' means Cartwrights Limited
We respect the privacy of your personal information. This Privacy Policy sets out how we collect, store, use and disclose your personal information, which we do in accordance with the Privacy Act 2020.
What personal information do we collect
In New Zealand, under the Privacy Act 2020, "personal information" means information about an identifiable individual. We collect certain types of personal information about you, including:
Information in relation to the application for, provision and administration of insurance, such as your contact details, date of birth, employment details, health information, details of previous insurances and past insurance claims and criminal records;
Information in relation to the application for, provision and administration of mortgage finance or loan agreement, such as your contact details, date of birth, employment details, income details, and criminal records;
Financial, billing and invoicing information;
If you visit our website, we will collect personal information that you submit, such as via online forms; and
Identification information, such as driver’s Licences, passports or any other identification you provide us; and
Any other personal information you otherwise provide to us.
If you do not provide us with the information that we need, we or any of our third-party service providers may not be able to provide you with products or services.
How we collect your personal information
We may collect personal information in a number of ways, including:
Directly from you via our website, telephone, in writing or email; and/or
Indirectly from third parties, if necessary. For example, your employer, referees, insurers, premium funders and other third-party service providers or publicly from available sources
You authorise us to contact such third parties for the purposes of providing you with the information or services that you have requested.
Our purposes for using and disclosing your personal information
We use and disclose your personal information for the purposes of providing our services to you and related purposes. Such purposes include:
Assessing and managing your insurance application and policy;
Apply, administer or service a loan or mortgage finance agreement;
Managing and processing payments;
Communicating with you about our products and services;
Conducting market or customer research;
Administering claims;
Developing, establishing and administering alliances and other arrangements with other organisations in relation to the promotion, administration and use of our services;
Telling you about our other service offerings which we believe may be relevant;
Statutory or regulatory reporting;
Internal or external audit; and
Any other purpose notified to you at the time your personal information is collected.
Disclosure of your personal information
We will disclose your personal information to:
Insurers, reinsurers, other insurance intermediaries, insurance reference bureaus and industry bodies;
Assessors appointed by insurers to assess or investigate your claims;
Any company or organisation that we engage with to provide or manage your mortgage, finance and/or loan accounts, products and services;
Others named on your policy as co-insureds or interested parties;
Third-party providers engaged by you to provide services for you (lawyers, accountants etc), with your permission;
Service providers engaged to provide services to you in relation to your insurance (such as providing repairs);
Your power of attorney, or someone authorised by you to act on your behalf, only if and when required;
Third parties who help manage our business and provide our services, including our third-party services providers, such as payment system operators, IT suppliers, lawyers, accountants, other advisers and financial institutions;
Any other entities notified to you at the time of collection; and
Courts, law enforcement, regulators and other government agencies to comply with all applicable laws, regulations and rules.
Other than when required or permitted by law, as specified in this Privacy Policy or where you have provided your consent, we will not disclose your personal information. Nothing in this Privacy Policy prevents us from using and disclosing to others de-personalised aggregated data.
Transfer of personal information overseas
We may disclose your personal information to third-party service providers and/or insurers who may process your personal information either on our behalf or otherwise for one or more of the abovestated purposes.
Some of the third-party service providers to whom we disclose personal information are located in countries outside New Zealand, such as Australia, India, the United Kingdom and the United States of America. In this regard, unless exempted by the Privacy Act 2020, we would have sought your express authorisation to do so prior to the transfer of your personal information overseas. Overseas disclosure of your personal information will only be made for one or more of the purposes specified in this Privacy Policy.
We will take appropriate steps to ensure that transfers of personal information are in accordance with applicable law and carefully managed to protect your privacy rights, such as by ensuring disclosures are limited to recipients who are subject to privacy laws that are recognised as providing a comparable level of legal protection as the Privacy Act 2020 or where we can be satisfied that alternative arrangement is in place to protect your privacy rights.
Your obligations when you provide personal information about others
You must not provide us with the personal information of any other individual unless you have the express authorisation of that individual to do so. If you do provide us with such information about another individual, before doing so you:
Must tell that individual that you will be providing their information to us and that we will handle their information in accordance with this Privacy Policy;
Must provide that individual with a copy of (or refer them to) this Privacy Policy; and
Warrant that you have that individual's consent to provide their information to us.
If you have not done this, you must tell us before you provide any third-party information.
Your obligations when we provide you with personal information
If we give you or provide you access to, the personal information of any other person, you must only use it:
For the purposes we have agreed to; and
In compliance with applicable privacy laws (including the Privacy Act 2020) and this Privacy Policy.
You must also ensure that your agents, advisers, employees and contractors meet the above requirements.
Accuracy, access and correction of your personal information
We take reasonable steps to ensure that your personal information is accurate, complete and up-to-date whenever we collect, use or disclose it. However, we also rely on you to advise us of any changes to your personal information.
Please contact us using our contact details below as soon as possible if there are any changes to your personal information or if you believe the personal information we hold about you is not accurate, complete or up-to-date.
You can make a request to access your personal information or to have it corrected by contacting us using the contact details below. If you make an access request, we will provide you with access to the personal information we hold about you unless otherwise required or permitted by law. We will notify you of the basis for any denial of access to your personal information. We may charge a fee where permitted by law.
Security of your personal information
We take reasonable steps to protect any personal information that we hold from misuse, interference and loss, and from unauthorised access, alteration and disclosure. However, data protection measures are never completely secure and, despite the measures we have put in place, we cannot guarantee the security of your personal information. You must take care to ensure you protect your personal information. You should notify us as soon as possible if you become aware of any security breaches. Where required by law, we will notify you of any notifiable privacy breach concerning your personal information.
Updates of Privacy Policy
We reserve the right to amend our Privacy Policy from time to time to ensure we properly manage and process your personal data.
How to make a complaint
If you wish to make a complaint about a breach of this Privacy Policy or any breach of applicable privacy laws, you can contact us using the contact details below. You will need to provide us with sufficient details regarding your complaint together with any supporting evidence and information. You can also complain to the Privacy Commissioner (see www.privacy.org.nz).
View the complaints policy here.
How to contact us
If you wish to gain access to your personal information, want us to correct or update it, have a complaint about a breach of your privacy or any other query relating to our Privacy Policy, please contact us via any means below;
• The Privacy Officer, Cartwrights Limited, PO BOX 28, Ashburton