Privacy Policy
At GSI Insurance Brokers (Christchurch) Ltd, trading as GSI South, we respect the privacy of your personal information. This Privacy Policy outlines how we collect, store, use, and disclose your personal information in accordance with the Privacy Act 2020.
1. What Personal Information We Collect
Under the Privacy Act 2020, "personal information" refers to information that can identify an individual. We collect the following types of personal information about you:
- Insurance-related Information: Contact details, date of birth, employment information, health details, previous insurance records, past claims, and criminal records.
- Financial Information: Billing, invoicing, and payment details.
- Website Information: Personal information submitted via online forms on our website.
- Other Personal Information: Any other information you provide to us.
If you do not provide the necessary information, we or our third-party service providers may not be able to offer you the required products or services.
2. How We Collect Your Personal Information
We collect your personal information in the following ways:
- Directly from You: Through our website, phone calls, emails, or written communication.
- Indirectly from Third Parties: Information may be obtained from sources like your employer, referees, insurers, premium funders, and publicly available sources. You authorize us to contact these third parties to provide the requested information or services.
3. How We Use and Disclose Your Personal Information
We use and disclose your personal information for the following purposes:
- Insurance Management: Assessing and managing your insurance applications, policies, and payments.
- Communication: Keeping you informed about our products and services.
- Market Research: Conducting customer or market research.
- Claims Administration: Assisting with the management and administration of insurance claims.
- Service Promotion: Informing you about other services we offer (if you have opted in to receive this information).
- Compliance and Reporting: Meeting statutory, regulatory, and audit requirements.
- Other Uses: Any additional purpose we notify you of when we collect your information.
We may disclose your personal information to:
- Insurance Providers: Insurers, reinsurers, other intermediaries, and industry bodies.
- Claims Assessors: Individuals appointed by insurers to assess or investigate claims.
- Co-insured Parties: Other individuals named on your policy.
- Service Providers: Entities that assist with services related to your insurance, such as repair providers.
- Business Partners: Third parties who manage our business operations, including IT, payment system operators, lawyers, and financial institutions.
- Legal and Regulatory Bodies: Courts, law enforcement, and government agencies, where required by law.
Unless permitted by law or with your consent, we will not disclose your personal information to others. We may, however, use and disclose depersonalized aggregated data.
4. Transfer of Personal Information Overseas
We may disclose your personal information to third-party service providers or insurers located outside New Zealand (e.g., the United Kingdom, Australia). Before transferring your personal data, we will seek your express consent unless exempted by the Privacy Act 2020.
We will take steps to ensure that any transfers of your personal information comply with privacy laws and are handled to protect your privacy rights.
5. Obligations When You Provide Personal Information of Others
If you provide us with personal information about other individuals, you must ensure that you have their express consent. You must also:
- Inform the individual that their personal information will be shared with us.
- Provide the individual with a copy of, or reference to, this Privacy Policy.
- Warrant that the individual has consented to their information being provided to us.
If you cannot confirm this, you must inform us before providing any third-party information.
6. Obligations When We Provide You with Personal Information
If we provide you access to personal information about another person, you must:
- Use it solely for the agreed purposes.
- Comply with applicable privacy laws and this Privacy Policy.
You must also ensure that your agents, advisers, and contractors comply with these requirements.
7. 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. However, we rely on you to notify us of any changes to your details. If you believe any information we hold about you is incorrect or incomplete, please contact us.
You can request access to or correction of your personal information by contacting us directly. We will provide access unless prohibited by law. If we deny access, we will notify you of the reasons. A fee may be charged for access requests, where permitted by law.
8. Security of Your Personal Information
We take reasonable steps to protect your personal information from misuse, loss, unauthorized access, and alterations. However, we cannot guarantee 100% security. You should also take care to protect your information. If you become aware of any security breaches, please notify us immediately.
In cases of notifiable privacy breaches, we will inform you as required by law.
9. Updates to This Privacy Policy
We reserve the right to update or amend this Privacy Policy as needed to ensure the proper management and processing of your personal data.
10. How to Make a Complaint
If you wish to make a complaint regarding a breach of this Privacy Policy or applicable privacy laws, please contact us with sufficient details and supporting information. You may also contact the Privacy Commissioner at www.privacy.org.nz.
11. How to Contact Us
For questions about your personal information, or if you wish to access, correct, or update your information, or if you have a complaint, please contact us at:
The Privacy Officer
GSI South
P.O. Box 37 436,
Halswell, Christchurch 8245
Email: info@gsisouth.co.nz
Phone: 0800 786 631
