Privacy Policy

1. Introduction

SoleTraderInsurance.co.nz, operated by Cover4You (a trading name of GDS), is committed to protecting your personal information in accordance with the Privacy Act 2020 (New Zealand). This policy explains how we collect, use, store, and disclose your personal information when you use our website and services.

Please read this policy carefully. If you do not agree with our practices, please do not use our services.

2. Information We Collect

2.1 Information You Provide Directly

We collect personal information you voluntarily provide when you:

• Submit a quote request or enquiry form
• Contact us via email or our contact page
• Communicate with us in any other way

This information may include your name, email address, phone number, business name, trade or profession, and details about your insurance needs.

2.2 Automatically Collected Information

When you visit our website, we automatically collect certain information including log data (IP address, browser type, pages visited), device information, and cookies or similar tracking technologies.

3. How We Use Your Information

We use the information we collect to:

• Match your enquiry with a suitable licensed insurance adviser
• Enable that adviser to contact you and provide insurance advice
• Improve our website and the quality of our referral service
• Communicate with you about your enquiry
• Comply with our legal obligations

4. Who We Share Your Information With

4.1 Licensed Insurance Advisers

We share your information with FMCA-licensed insurance advisers and brokers who we refer your enquiry to. These advisers use your information solely to provide insurance advice and quotations.

4.2 Service Providers

We may share information with service providers who assist us in operating our website and service. These providers are contractually obligated to protect your information.

4.3 Legal Requirements

We may disclose your information if required by law, court order, or government authority, or when we believe disclosure is necessary to protect our rights or the safety of others.

5. Data Retention

We retain your personal information for as long as necessary to provide our services and fulfil the purposes outlined in this policy. Enquiry information is typically retained for 12 months. You may request deletion of your information at any time, subject to legal retention requirements.

6. Data Security

We take reasonable steps to protect your personal information from loss, unauthorised access, use, modification, or disclosure. Your information may be processed through cloud-based services bound by appropriate data processing agreements. However, no internet transmission is completely secure and we cannot guarantee absolute security.

7. Your Privacy Rights

Under the Privacy Act 2020 (New Zealand), you have the right to:

• Request access to your personal information
• Request correction of inaccurate information
• Request deletion of your information
• Withdraw consent for information collection
• Lodge a complaint with the Privacy Commissioner

8. Cookies

Our website uses cookies and similar technologies to improve your browsing experience and analyse site usage. You can control cookie settings through your browser. Disabling cookies may affect website functionality.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their policies before providing your information.

10. Changes to This Policy

We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. We will post any changes on this page with the updated date. Continued use of our services following changes constitutes acceptance of the updated policy.

11. Contact Us

For privacy enquiries or to exercise your rights under the Privacy Act 2020, please contact us: