Privacy Statement
Last updated February 2023
1. Outline of this Privacy Statement
1.1 Delta Insurance New Zealand Limited (Delta, we, us and our) are committed to protecting the personal information of all our customers (Customers) in accordance with the Privacy Act 2020 (Privacy Act) and the Information Privacy Principles as set out in the Privacy Act.
1.2 This Privacy Statement will help Customers understand how and why we collect information, how that information is stored, how they can access and correct that information, and when we might disclose information to third parties.
1.3 This Privacy Statement does not limit or exclude any rights that a Customer has or may have under the Privacy Act and (where applicable) the General Data Protection Regulation 2016/679 (GDPR).
1.4 For further information, please see www.privacy.org.nz.
2. Application of this Privacy Statement
2.1 This Privacy Statement applies to all instances in which personal information is collected from a Customer by us.
2.2 By using the products and/or services offered by Delta (Services), the Customer consents to the collection, use, disclosure, storage, and processing of personal information in accordance with this Privacy Statement.
3. Changes to this Privacy Statement
3.1 Delta may change this policy at any time by uploading a revised Privacy Statement to their website, www.deltainsurance.co.nz (the Website).
3.2 All Customers agree to be bound by the Privacy Statement that is in effect at the time they use the Services.
4. Collection of Personal Information
4.1 Delta will collect the following personal information:
a) Any communication with us directly, via phone and/or email.
b) Information obtained by or submitted to Delta from the Customer through that Customer’s use (or prospective use) of the Services, including via a Customer’s insurance broker or financial adviser.
4.2 Delta may supplement the information provided to them with information that they receive from third parties.
4.3 We do not collect any other personal information about Customers, including details about any Customer’s race, ethnicity, religious beliefs, sexual orientation, medical information, political information, or any other genetic or biometric data.
5. Personal Information that may be Collected
5.1 Delta may, in addition to other information, collect the following information about a Customer:
a) The Customer’s name, phone number, residential address, and email address;
b) The Customer’s gender and date of birth;
c) The number of members of their household;
d) The number of internet-enabled devices used by the household;
e) Employment history, skills, and experience; professional licenses and affiliations;
f) Educational background;
g) Financial information and account details such as payment card number, bank account number and account details, credit history and credit score, assets, income, and other financial information;
h) Other sensitive information - in certain cases, we may receive sensitive information about you. In addition, we may obtain information about your criminal record or civil litigation history in the process of preventing, detecting and investigating fraud;
i) Information enabling us to provide Services - location and identification of property insured (for example, property address, vehicle licence plate or identification number); travel plans; age categories of individuals you wish to insure; policy and claim numbers; coverage/peril details; cause of loss; prior accident or loss history; your status as director or partner, or other ownership or management interest in an organisation; and other insurance you hold;
j) Marketing preferences and customer feedback – a Customer may provide us with their marketing preferences, enter a contest or prize draw or other sales promotion, or respond to a voluntary customer satisfaction survey.
5.2 If any Customer chooses not to provide information when we ask for it, they may not be able to use the Services.
6. Use of Personal Information
6.1 The information that Customers provide to Delta may be used:
a) To verify the identity of the Customer;
b) In connection with the provision (or potential provision) of the Services to the Customer, including the provision of such information to underwriters and underwriting syndicates as part of the Services;
c) To communicate with Customers in relation to the Services;
d) To market the Services to Customers, including contacting Customers electronically (for example, by text, email or an online messaging platform);
e) To undertake credit checks of any Customer (if necessary);
f) To invoice any Customer and to collect money that a Customer owes, including authorising and processing credit or debit card transactions;
g) To respond to communications from a Customer, including any complaints;
h) To co-operate with any government, industry or regulatory authorities;
i) To protect and/or enforce our legal rights and interests, including defending any claim; or
j) For any other purpose authorised by a Customer, the Privacy Act and/or GDPR.
6.2 Delta reserves the right to use data (on a strictly anonymous basis) in relation to any Customer’s use of the Services for marketing and accounting purposes.
6.3 Customers may request Delta to stop sending marketing messages at any time, by emailing contactus@deltainsurance.co.nz.
7. Privacy Officer
7.1 Delta shall, at all times, have a person appointed as the “Privacy Officer” (the Privacy Officer).
7.2 The Privacy Officer must be familiar with the provisions of this Privacy Statement and be available to assist on privacy matters for Delta.
7.3 The Privacy Officer may be contacted at contactus@deltainsurance.co.nz.
8. Cookies
8.1 Delta uses cookies (being an alphanumeric identifier that we transfer to your computer’s hard drive so that we can recognise your browser) in order to monitor your use of the Website. Customers may disable cookies by changing the settings on their browser, although this may mean that you cannot use all of the features of the Website.
9. Disclosure of Personal Information
9.1 Unless expressly authorised to do so by the relevant Customer or under this Privacy Statement, we will not disclose any Customer’s personal information to any third party except where disclosure relates to the purposes for which the information was collected (as stated in clause 6.1 above).
10. Protection and Retention of Personal Information
10.1 Delta will take all reasonable steps to ensure the personal information collected, used or disclosed in accordance with this Privacy Statement is stored in a secure environment protected from unauthorised access, modification or disclosure.
10.2 Delta will hold personal information collected in accordance with this Privacy Statement both before and after the provision of its Services in order to fulfil the purposes for which it was collected, but only for so long as we are legally entitled to do so.
11. Legal Rights and Access to Personal Information
11.1 Customers have the following rights in relation to their personal information:
a) To request access to their personal information.
b) To request a correction to their personal information.
c) To request the deletion or removal of their personal information.
d) To object to the processing of their personal information.
e) To request a restriction on the processing of their personal information.
f) To request a transfer of their personal information to you or a third party.
g) To withdraw consent to the use of their personal information.
11.2 If at any time a Customer wishes to exercise any of the rights above, please contact us at contactus@deltainsurance.co.nz.
12. Data Processing Agreement
12.1 This Privacy Statement may be supplemented or superseded between a Customer and Delta pursuant to the terms of any data processing agreement (or document having similar effect) entered into in writing between the Customer and Delta.
13. Severability
13.1 If any part of this Privacy Statement is found by a court to be invalid, void or unenforceable, whether under the Privacy Act, GDPR or any other applicable law, such provision will be deemed to be deleted from this Privacy Statement and the remaining provisions will continue in full force and effect.
