Privacy Policy

Cover4You (trading as LoanInsurance.co.nz, “we”, “us”, “our”) is committed to protecting the privacy of people who use our website. This Privacy Policy explains how we collect, use, store, and protect your personal information in accordance with the Privacy Act 2020 of New Zealand.

By using LoanInsurance.co.nz, you consent to the collection and use of your information as described in this policy. If you do not agree to this policy, please do not use this website.

We collect information in the following ways:

We use the information we collect for the following purposes:

• To connect you with licensed NZ insurance advisers who can assist with your enquiry
• To respond to your enquiries and provide information about our services
• To improve the content, functionality, and user experience of this website
• To monitor and analyse usage trends and behaviour on the website
• To comply with our legal obligations

We do not use your personal information for automated decision-making or profiling that has legal or significant effects on you.

We may share your information in the following circumstances:

• Licensed Insurance Advisers: When you submit a quote request, your details are shared with one or more licensed NZ insurance advisers in our network who will contact you directly.
• Service Providers: We use third-party service providers (e.g. email delivery, analytics) who process data on our behalf. These providers are contractually required to protect your information.
• Legal Requirements: We may disclose information where required by law, court order, or to protect the rights, property, or safety of our business or others.

We do not sell your personal information to third parties for marketing purposes.

We implement administrative, technical, and physical safeguards to protect your personal information from unauthorised access, disclosure, alteration, or destruction. All data submitted through our forms is encrypted using 256-bit SSL/TLS technology.

While we take reasonable steps to protect your information, no method of internet transmission is completely secure. We cannot guarantee absolute security of data transmitted to or from our website.

We use cookies — small text files stored on your device — to improve your experience on this website. Cookies help us understand how visitors use the site, remember your preferences, and serve relevant content.

We may use analytics tools such as Google Analytics to track aggregated, anonymised usage data. These tools may set their own cookies. You can opt out of Google Analytics tracking via Google's opt-out browser add-on.

You can control cookies through your browser settings. Disabling cookies may affect the functionality of this website.

Under the Privacy Act 2020, you have the right to:

• Request access to personal information we hold about you
• Request correction of inaccurate personal information
• Withdraw consent to the use of your information (where consent is the basis for processing)
• Lodge a complaint with the Office of the Privacy Commissioner if you believe we have breached your privacy rights

To exercise any of these rights, please contact us at hello@cover4you.co.nz. We will respond within 20 working days.

This Privacy Policy is designed to comply with New Zealand's Privacy Act 2020 and the Information Privacy Principles (IPPs) contained therein. We collect personal information only for lawful purposes, take reasonable steps to ensure accuracy, and retain information only for as long as necessary.

If you believe we have breached your privacy rights, you may contact the Office of the Privacy Commissioner at privacy.org.nz.

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we update this policy, we will revise the “Last updated” date at the top of this page.

We encourage you to review this policy periodically. Your continued use of this website after any change constitutes your acceptance of the updated policy.

If you have questions or concerns about this Privacy Policy or how we handle your information, please contact us: