Personal information is information or an opinion, whether true or not and whether recorded in a material form or not, about an individual who is identified or reasonably identifiable.

The types of personal information we may collect about you include:

As a user of our software (User) or as a visitor to our website:

• your name;

• your contact details, including

• email address, mailing address and/or telephone number;

• your date of birth;

• your credit card or other payment details (through our third party payment processor);

• your health information as set out below;

• information you provide to us, including through feedback, customer survey or otherwise;

• details of products and services we have provided to you and/or that you have enquired about, and our response to you;

• your browser session and geo-location data, device and network information, statistics on page views and sessions, acquisition sources, search queries and/or browsing behaviour;

• information about your access and use of our Services, your communications with our online Services, the type of browser you are using, the type of operating system you are using and the domain name of your Internet service provider;

• additional personal information that you provide to us, directly or indirectly, through your use of our Services and/or associated applications from which you permit us to collect information.

Health Information is a sub-set of personal information that is given a higher level of protection. Health information means information relating to your health, including your medical history, any disabilities that you have or have had, any health or disability services you are receiving or have received or information that is collected in the course of or incidental to the provision of health and disability services.

The types of health information we may collect about you include:

As a User:

• information relating to your mental and physical health, including your current medications;

• information related to your medical history;

• information contained in your insurance policies, past and present;

• any other health information you choose to share with us.

Unless otherwise permitted by law, we will not collect sensitive information about you without first obtaining your consent.

We collect personal information about you from:

• you, when you provide that personal information to us, including via the website and any related service, through any registration or subscription process, through any contact with us (e.g. telephone call or email), or when you buy or use our services and products.

• third parties, where you have   authorised this or the information is publicly available.

If possible, we will collect personal information from you directly. Where it is not possible, we will only collect information from a third party where we have your consent or are permitted to do so by law.

We may collect, hold, use and disclose personal information for the following purposes:

• to verify your identity;

• to provide services and products to you;

• to market our services and products to you, including contacting you electronically (e.g. by text or email for this purpose);

• to improve the services and products that we provide to you;

• to respond to communications from you, including a complaint;

• to conduct research and statistical analysis (on an anonymised basis);

• to protect and/or enforce our legal rights and interests, including defending any claim;

• for any other purpose authorised by you or the Act.

We only collect, hold, use and disclose health information for the following purposes:

• any purposes you consent to;

• the primary purpose for which it is collected, including managing your health and related insurance policies, providing insurance quotes and putting you in touch with insurance advisors;

• secondary purposes that are directly related to the primary purpose for which it was collected, including disclosure to the below listed third parties as reasonably necessary to provide our Services to you; and

• if otherwise required or authorised by law.

We may disclose your personal information to:

• any other person authorised by you;

• third party service providers, such as insurance advisors and insurance providers, for the purpose of enabling them to provide you with quotes and services and for us to provide you with our Services;

• third party service providers for the purpose of enabling them to provide their services to us, including (without limitation) any person that hosts or maintains any underlying IT system or data centre, such as Amazon Web Services, debt collectors, couriers, maintenance or problem-solving providers, marketing or advertising providers, professional advisors and payment systems operators;

• our employees, contractors and/or related entities;

• our existing or potential agents or business partners;

• anyone to whom our business or assets (or any part of them) are, or may (in good faith) be, transferred;

• courts, tribunals and regulatory authorities, in the event you fail to pay for goods or services we have provided you;

• courts, tribunals and regulatory authorities and law enforcement officers, as required or authorised by law, in connection with any actual or prospective legal proceedings, or in order to establish, exercise or defend our legal rights;

• third parties to collect and process data, such as Google Analytics (To find out how Google uses data when you use third party websites or applications, please see www.google.com/policies/privacy/partners/ or any other URL Google may use from time to time); and

• any other third parties as required or permitted by law, such as where we receive a subpoena.

Overseas Disclosure: Where we disclose your personal information to third parties listed above, these third parties may store, transfer or access personal information outside of New Zealand, including but not limited to Australia, which may not have an equivalent level of data protection laws as those in New Zealand. Before disclosing any personal information to an overseas recipient, we will comply with Information Privacy Principle 12 and only disclose the information if:

• you have authorised the disclosure after we expressly informed you that the overseas recipient may not be required to protect the personal information in a way that, overall, provides comparable safeguards to those in the Privacy Act; 

• we believe the overseas recipient is subject to the Privacy Act;

• we believe that the overseas recipient is subject to privacy laws that, overall, provide comparable safeguards to those in the Privacy Act;

• we believe that the overseas recipient is a participant in a prescribed binding scheme;

• we believe that the overseas recipient is subject to privacy laws in a prescribed country; or

• we otherwise believe that the overseas recipient is required to protect your personal information in a way that, overall, provides comparable safeguards to those in the Privacy Act (for example pursuant to a data transfer agreement entered into between us and the overseas recipient).

Subject to certain grounds for refusal set out in the Act, you have the right to access your readily retrievable personal information that we hold and to request a correction to, or deletion of, your personal information and account.

Before you exercise this right, we will need proof to confirm that you are the individual to whom the personal information relates. In respect of a request for correction, we will take reasonable steps to promptly correct any information found to be inaccurate, out of date, incomplete, irrelevant or misleading.

If you want to exercise either of the above rights, please email us at team@quashed.co.nz.

Your email should provide evidence of who you are and set out the details of your request (e.g. the personal information, or the correction, that you are requesting).

An administrative fee may be payable for providing to you copies of any such information or correcting that information.

To object to processing for direct marketing / unsubscribe from our email database or opt-out of communications (including marketing communications), please contact us using the details below or opt-out using the opt-out facilities provided in the communication.

Please read this Privacy Policy carefully. If you provide personal information to us, you understand we will collect, hold, use and disclose your personal information in accordance with this Privacy Policy. You do not have to provide personal information to us, however, if you do not, it may affect our ability to provide our Services to you and your use of our Services.

We are committed to ensuring that the personal information we collect is secure and we take reasonable steps to keep your personal information safe from loss, unauthorised activity, or other misuse. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures, to safeguard and secure personal information and protect it from misuse, interference, loss and unauthorised access, modification and disclosure.

While we take reasonable steps to maintain secure internet connections, if you provide us with personal information over the internet, the provision of that information is at your own risk.

If you post your personal information on the website’s message board/chat room, you acknowledge and agree that the information you post is publicly available.

Our Services may contain links to other websites. We do not have any control over those websites and we are not responsible for the protection and privacy of any information which you provide whilst visiting those websites. Those websites are not governed by this Privacy Policy, and we suggest you review that site’s privacy policy before you provide personal information.

We use an alphanumeric identifier that we transfer to your computer’s hard drive so that we can recognise your browser (Cookies) to monitor your use of our Services. Cookies, by themselves, do not tell us your email address or other personally identifiable information. If and when you choose to provide our online Services with personal information, this information may be linked to the data stored in the cookie.

You may disable cookies by changing the settings on your browser, although this may mean that you cannot use all or parts of the features of our online Services.