Effective Date: 1 January 2025
BetterCover Limited ("we," "us," or "our") is committed to protecting your privacy. This Privacy Statement explains how we collect, use, disclose, and protect your personal information in accordance with the Privacy Act 2020 (New Zealand).

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1. Information We Collect

We may collect and process the following types of personal information:

• Contact details: Name, email address, phone number, and postal address.

• Financial information: Income, assets, debts, and any other relevant financial details you provide.

• Referral information: Information used to assess your needs and connect you with the right partner insurance advisor.

• Interactions with us: Records of communications, including calls, emails, and online form submissions.

• Website and online data: IP address, cookies, and analytics data when you use our website.

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2. How We Collect Your Information

We collect personal information through:

• Direct interactions (e.g., when you contact us, request services, or fill out forms).

• Automated tracking (e.g., website cookies, analytics tools).

• Third parties, such as insurance providers or referral partners, where you have given consent.

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3. How We Use Your Information

We may use your personal information to:

• Assess your financial situation for the purpose of matching you with a suitable partner insurance advisor.

• Facilitate connections with our partner insurance advisors, who conduct financial assessments and insurance reviews.

• Communicate with you about your inquiries, appointments, or policy options.

• Improve our website and services through analytics.

• Comply with legal obligations and regulatory requirements.

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4. Financial Assessments by Partner Advisors

While BetterCover Limited collects financial information to connect you with the right advisor, we do not provide financial advice or perform financial assessments.

All financial assessments and recommendations are conducted exclusively by our partner insurance advisors, who operate independently under their own regulatory obligations. If you proceed with a financial assessment, you will be subject to the advisor’s terms and privacy policy.

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5. Disclosure of Personal Information

We may share your information with:

• Partner insurance advisors to facilitate your insurance review and financial assessment.

• Service providers who assist in business operations (e.g., IT, customer support).

• Legal or regulatory authorities when required by law.

We do not sell your personal data to third parties.

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6. How We Protect Your Information

We take reasonable steps to protect personal information from unauthorized access, loss, or misuse, using secure systems and data encryption where applicable.

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7. Your Rights

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

• Access the personal information we hold about you.

• Request corrections if your information is inaccurate or incomplete.

• Withdraw consent for marketing communications at any time.

To exercise these rights, please contact us at hello@bettercover.co.nz

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8. Cookies and Website Tracking

Our website may use cookies to enhance user experience and collect analytics data. You can manage cookie settings through your browser.

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9. Changes to This Privacy Statement

We may update this Privacy Statement from time to time. Any changes will be posted on our website.

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10. Contact Us

If you have any questions about this Privacy Statement or how we handle your personal data, please contact us at:

BetterCover Limited
hello@bettercover.co.nz