Privacy Policy
Our privacy commitment to you
Your privacy is very important to us and we are committed to upholding the highest standards in our handling of your personal information and the protection of your privacy. This Privacy Policy may be updated from time to time and any amended privacy policy will be displayed at www.yourview.co.nz.
During our relationship with you, we may tell you more about the way we handle your personal information (like when you complete an application or claim form). Please also consider this information carefully, as it might differ from the general privacy information set out below.
Your consent
When you provide your personal information to Your View, you are consenting to the use of your information by us for the purposes set out in this Policy and in accordance with our obligations under this Policy, and under the Privacy Act 1993 and Health Information Privacy Code 1994.
Collecting your personal information
The information we collect about you directly or indirectly will depend upon the product or service you are applying for or using. This includes your contact details and, as applicable, the names, dates of birth and gender of those you are seeking to insure. For some insurance applications and some claims, it is necessary for us to collect sensitive information from the life to be insured or claimant related to their health, pastimes and occupation.
We collect information from insurance application forms and/or claims forms as well as over the telephone or email when you contact us or we contact you. We generally record inbound and outbound telephone calls for operational and training purposes.
Generally, we collect personal and health information directly from you. We may also collect your basic contact information from a third party, such as an adviser or list provider. Sometimes we collect your personal and health information from other third parties, such as your medical practitioner (in the event of a claim). We only collect your information from third parties with your consent.
We may also collect information about you when you use our website to get a quote for cover or request information on a product or service. If you are unsure where we first obtained your contact information, you may ask us to provide the source of that information.
Please note that if we are unable to collect the information we need to process an application or assess a claim, then the application or claim may not be accepted.
Cookies
We may use ‘cookies’ which collect anonymous online web traffic data and track the movements of web users, to understand which pages on our website have been visited and how often, as well as to administer our website, for research or marketing purposes. Cookies do not record any personal information and are not used to identify you, but rather to identify your computer to our servers when you visit our website. Cookies cannot be programmed and cannot carry viruses however you can set your browser to refuse them.
Using your personal information
We use the information we collect about you to sell you our products and services and, once you have chosen to join us, to provide you with insurance services. For example, we may use your information to:
- establish your identity or the identity of another life to be insured;
- consider and assess your application for an insurance product;
- administer your policy;
- assess your insurance claims;
- contact you to administer your policy and ensure that the products you have and services you use are meeting your needs; or
- comply with our legal obligations and any lawful requests from government agencies or regulators.
We may use your personal information for other lawful purposes related to the services we provide and where permitted by law.
Disclosing your personal information
We may share your personal information with third parties where this is permitted by law or required to meet the purposes set out above.
By providing us with personal information, you are consenting to us sharing some or all of the information we collect from you with third parties including:
- any related organisation in order to assess your policy application and administer your policy or assess any claim under your policy;
- organisations to which we outsource customer service or information technology in order to process your application;
- organisations which provide us with research, analysis or other related services;
- investigators, health professionals, lawyers, accountants, your adviser (if applicable), other insurers or reinsurers – in order to assess your application or claim;
- the financial institutions you nominate in your application for the collection of your premium;
- in the event of your death or incapacity, a life insured or nominated beneficiary named on your policy, the executor of your estate, or your adviser (if applicable); or
- government regulatory or law enforcement agencies, if required by law.
Marketing
We may use your contact details to send you information about other relevant products or services we think may be of interest to you.
To do this, we may share your personal information (but not sensitive information) with our service providers. We have strict confidentiality arrangements with any service provider we use for these purposes. If you do not wish to receive information on other products or services offered by Your View please contact us.
Storage and security of your personal information
The personal information we hold is stored in Australia, in our trusted Australian-based computer storage facility. Australian privacy regulation is equivalent to the NZ Privacy Act and we take all reasonable steps to ensure that your information is protected from loss and unauthorised access, use, modification, or disclosure.
Privacy training is a mandatory requirement for our staff and representatives, and we take data breaches extremely seriously.
All third party entities which are required to access your personal information are bound by strict confidentiality agreements.
We will retain your personal information until it is no longer required to provide you with insurance services or meet any other legislative requirements. This means that we may need to retain some of your personal information after you have ceased to be our customer.
Accessing and correcting your personal information
Access
You have the right to ask us for a copy of any personal information we hold about you. You can only request information about yourself, unless you have the consent of other parties to request information on their behalf. We must take steps to ensure that you are authorised to request the information. This will require us to verify your identity.
We would prefer that you make requests in writing, particularly where you are requesting a copy of your health information. This is because your health information is particularly sensitive and we want to make sure we’re releasing it to the right person. It also helps us to make sure we understand your request fully. However, if you do not wish to make your request in writing, let us know.
The Privacy Act requires us to make a decision on your request, and convey this to you, within 20 working days of receiving it. However, we will respond to your request as soon as we can.
The Privacy Act permits us to withhold personal information in certain circumstances, such as where the information is commercially sensitive or legally privileged. If we decide to withhold information from you, we will tell you and explain why. You can challenge our decision following the steps set out below.
We are permitted to charge a reasonable fee to cover the costs of processing your request, including to compile, print or courier the information. If we intend to charge a fee, we’ll let you know before we process the request.
Correction
We strive to ensure that your personal information is accurate. You should contact us as soon as possible whenever your personal information changes, especially contact information such as your address, telephone or email.
We will provide you with reasonable access to the information we hold about you. To access your personal information, you must first write to us and we must verify your identity before providing any details. We have strict protocols and take care to prevent unauthorised access to, or disclosure of, your information.
Questions or concerns
If you have any questions, concerns or complaints regarding your privacy or the use of your information, please contact us.
Privacy laws
Your View acts in accordance with the Privacy Act 1993 and The Health Information Privacy Code 1994.