Privacy Policy

In this Privacy Policy, 'we', 'us' and 'our' means KBR Insurance Brokers

We respect the privacy of your personal information. This Privacy Policy sets out how we collect, store, use and disclose your personal information, which we do in accordance with the Privacy Act 2020.

What personal information we collect

In New Zealand, under the Privacy Act 2020, "personal information" means information about an identifiable individual. We collect certain types of personal information about you, including:

  • information in relation to the application for, provision and administration of insurance, such as your contact details, date of birth, employment details, health information, details of previous insurances and past insurance claims and criminal records;
  • financial, billing and invoicing information;
  • if you visit our website, we will collect personal information that you submit, such as via online forms; and
  • any other personal information you otherwise provide to us.

If you do not provide us with the information that we need, we or any of our third party

service providers may not be able to provide you with products or services.

How we collect your personal information

We may collect personal information in a number of ways, including:

  • directly from you via our website, telephone, in writing or email; and/or
  • indirectly from third parties, if necessary. For example, your employer, referees, insurers, premium funders and other third party service providers or publicly from available sources.

You authorise us to contact such third parties for the purposes of providing you with the information or services that you have requested.

Our purposes for using and disclosing your personal information

We use and disclose your personal information for the purposes of providing our services to you and related purposes. Such purposes include:

  • assessing and managing your insurance application and policy;
  • managing and processing payments;
  • communicating with you about our products and services;
  • conducting market or customer research;
  • administering claims;
  • developing, establishing and administering alliances and other arrangements with other organisations in relation to the promotion, administration and use of our services;
  • telling you about our other service offerings which we believe may be relevant (if you have requested to receive this);
  • statutory or regulatory reporting;
  • internal or external audit; and
  • any other purpose notified to you at the time your personal information is collected.

Disclosure of your personal information

We will disclose your personal information to:

  • insurers, reinsurers, other insurance intermediaries, insurance reference bureaus and industry bodies;
  • assessors appointed by insurers to assess or investigate your claims;
  • others named on your policy as co-insureds;
  • service providers engaged to provide services to you in relation to your insurance (such as providing repairs);
  • third parties who help manage our business and provide our services, including our third party service providers, such as payment system operators, IT suppliers, lawyers, accountants, other advisers and financial institutions;
  • any other entities notified to you at the time of collection;
  • courts, law enforcement, regulators and other government agencies to comply with all applicable laws, regulations and rules; and
  • PSC Connect NZ Ltd as our Financial Advice Provider Licence Holder.

Other than when required or permitted by law, as specified in this Privacy Policy or where you have provided your consent, we will not disclose your personal information.

Nothing in this Privacy Policy prevents us from using and disclosing to others de-personalised aggregated data.

Duties Information

KBR, PSCCNZ and anyone who gives financial advice on their behalf have duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice.

We are required to:

  • give priority to your interests by taking all reasonable steps to make sure our advice isn’t materially influenced by our own interests;
  • exercise care, diligence and skill in providing you with advice;
  • meet standards of competence, knowledge and skill as set by the Code of Professional Conduct for Financial Advice Services. These are designed to make sure that we have the expertise needed to provide you with advice.
  • meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services. These are designed to make sure we treat you as we should and give you suitable advice.

This is only a summary of the duties that we have. More information is available by contacting us, or by visiting the FMA website here.

Identifying Information

KBR Insurance Brokers Ltd (FS1009879), trading as KBR Insurance Brokers is a Financial Advice Provider (FAP).

Our contact details are:

Phone: 021 716 677

Email: kerri@kbrinsurance.co.nz

Address: 9 Cherry Drive, Mosgiel 9024


Kerri Anne Bridgman (FSP) is a Financial Advisor of KBR Insurance Brokers

Glossary

Authorised Body is an entity named on a financial advice provider’s licence that can provide the licensed service without needing its own licence. Authorised Bodies must register on the Financial Service Providers Register as a financial advice provider.


Financial Advice a recommendation or an opinion about buying or selling financial advice products.


Financial Advice Provider a business or individual who provides a financial advice service.


Financial Advice Service engages one or more individuals to give financial advice on their behalf or provides financial advice on their own account.


Financial Adviser is an individual registered on the Financial Service Providers Register to provide a financial advice service, who is not a financial advice provider.


Financial Markets Authority (FMA) is the New Zealand government agency responsible for enforcing securities, financial reporting and company law as they apply to financial services and securities markets.


Financial Service Provider FSP refers to Financial Service Provider a person who provides or offers to provide a financial service (as per the FSP Act)


Financial Service Providers Register (FSPR) a searchable register of people, businesses and organisations that provide financial services in New Zealand. The register contains key information about FSPs including the financial services they provide, any relevant licences they hold and the dispute resolution scheme they belong to.


Full Licence held by Financial Advice Provider PSC Connect NZ Ltd and approved by the FMA on the 5 th August 2022.