Privacy Policy

Last Updated: 17 March, 2026

Instasure Financial Solutions Limited

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Effective Date: 17 March, 2026

Instasure Financial Solutions Limited (“Instasure”, “we”, “our”, “us”) respects your privacy and is committed to protecting your personal information in accordance with the Privacy Act 2020 (New Zealand).

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This Privacy Policy explains how we collect, use, store, and disclose personal information when you use our website or financial and insurance advisory services.

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1. About Instasure

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Instasure Financial Solutions Limited is a New Zealand registered company providing insurance advisory and financial protection solutions, including:

Life Insurance
Trauma / Critical Illness Cover
Health / Medical Insurance
Total Permanent Disability (TPD) Insurance
Income Protection Cover
Accidental Injury Cover

The company aims to provide simple, personalised insurance guidance and financial protection solutions to clients across New Zealand.

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2. Information We Collect

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We may collect personal information including:

Identity Information

Full name
Date of birth
Residential address
Contact details (phone number, email)

Financial & Insurance Information

Employment and income details
Existing insurance policies
Health and lifestyle information (relevant for insurance advice)
Financial goals and risk profile

Technical Information

IP address
Website usage data
Cookies and analytics data

Communication Information

Records of calls, emails, enquiries and applications

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3. How We Collect Your Information

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We collect information:

Directly from you when you:
- Request a quote
- Apply for insurance or financial advice
- Contact us via website, phone or email
From third parties (with your consent), including:
- Insurance providers
- Financial advisers
- Credit reporting agencies
- Employers or medical professionals (where required for underwriting)

4. Purpose of Collecting Information

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We use your personal information to:

Provide insurance advice and recommend suitable cover
Arrange or assist with insurance applications
Assess risk and financial protection needs
Communicate with you regarding services
Improve our services and website experience
Comply with legal and regulatory obligations
Prevent fraud and manage risk
Send marketing communications (with your consent)

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5. Disclosure of Personal Information

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We may share your information with:

Insurance companies and product providers
Underwriters and reinsurers
Credit reporting agencies
IT service providers and cloud storage providers
Legal, compliance and professional advisers
Government or regulatory authorities when required by law

We do not sell your personal information to third parties.

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6. Storage and Security

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We take reasonable steps to protect your information from:

Unauthorised access
Loss or misuse
Disclosure

Information may be stored securely in New Zealand or overseas using trusted cloud service providers.

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7. Cookies and Analytics

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Our website uses cookies to:

Improve functionality
Analyse visitor behaviour
Enhance user experience

You can disable cookies through browser settings.

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8. Access and Correction

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You have the right to:

Request access to your personal information
Request correction if information is inaccurate

Requests can be made using the contact details below.

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9. Marketing

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We may send you information about:

Insurance products
Financial protection solutions
Updates or promotions

You may unsubscribe at any time.

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10. Retention

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We retain personal information only as long as necessary:

To provide services
To meet legal obligations
To resolve disputes

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11. Complaints

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If you believe your privacy has been breached, you can contact us first.
If unresolved, you may contact the Office of the Privacy Commissioner (New Zealand).

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