Privacy Policy

This is the website of Initio Limited (Initio).  The administration of the website is performed by Initio. The arranging of insurance contracts on this website, as well as policy and claims management is the responsibility of  Initio. ‘We’, ‘us’, and ‘Initio’ refers to Initio Limited.

The postal address for Initio is:
PO Box 19497, Hamilton

The physical address for Initio is:
Level 1, 6 Garden Place, Hamilton City, Hamilton, New Zealand

All email correspondence can be directed to [email protected]
Our telephone contact number is + 64 7 929 4126.

Our web server automatically recognises a user’s domain name.

We collect:

1. E-mail addresses of those users that communicate with us via e-mail.
2. E-mail addresses of those who make postings via online chat.
3. Email addresses (and other personal information as supplied by the customer) of customers who chose to transact with us, including users who email themselves a quote from our website.
4. Aggregate information, data, and record of pages unidentified users access or visit, and how they interact with those pages.
5. User-specific information, data and record of pages a customer accesses, completes, or visits, and how they interact with those pages.
6. Information volunteered by the customer/user during the quote, sign-up and claims process.
7. Specific personal contact and other information as supplied by the customer/user during the insurance signup and claims process.
8. Risk data about properties or vehicles that we may quote on or insure.  We may use third parties in order to collect this data.

We Store:

The above information on our secure servers and related software and database applications.

The information we collect is:

1. Shared with insurers (and their agents) who assist in providing support for the insurance placement, our internal operations, and underwriting of risk.
2. Shared with an association, club or buying group that is a partner of initio and that our customer is a member or customer of.  This information is limited to the customers name, the address of the insured property or vehicle year/made/model, effective date of cover, expiry date of cover, insurer premium, type of transactions (eg renewal), and payment interval
3. Shared wth broker partners who have advised their customer to insure with initio, and that cover has been placed through that brokers dedicated gateway or page.
4. Used by us to contact consumers for marketing purposes.
5. Disclosed when legally required to do so, at the request of governmental authorities conducting an investigation and audit.
6. Used to verify or enforce compliance with the policies governing our Website and applicable laws or to protect against misuse or unauthorised use of our Website.
7. Disclosed to any successor entity in connection with a corporate merger, consolidation, sale of assets or other corporate change.
8. Used to underwrite and bind insurance policies.
9. Used to submit claims to insurers.
10. Used for all other purposes relating to the placement and management of a customers insurance.

We Share:

With referrers/affiliates:  where you have been introduced to Initio by a Referrer or Affiliate we will share with that Referrer your name, you Initio client number, and when you transacted with us.

If the Referrer is the market comparison website Quashed, as per your arrangement with them, we will share additional information including the address of the insured property and provide to them a copy of the Initio policy schedule.

With partners:  Where you have been introduced to Initio by a Partner organisation (such as the New Zealand Property Investors Association), of which you are a customer or member, we will share with that Partner the location of the risk (eg address of house insured), the period of insurance cover, the premium, the type of transaction (eg renewal, or new), the payment interval (eg annually or monthly), and if applicable the particular branch, office or region you are associated with.

With insurance brokers:  Where your insurance placement has been facilitated through a broker, we will share with that broker the information we collect (as defined above).  The way we do this is through reporting, and by providing your broker with copies of all communications and documents.  For example, any email a customer receives from us will also be copied to that customer’s broker.  This includes sharing with the broker the information about and correspondence we have with you, relating to any claims you make with us.  We may also share information with the customer’s broker on specific request from the broker, and this may include but is not limited to claims records, claims status, policy insured values, excesses and the like.

With insurers:  Initio is underwritten by a registered Insurer.  We will share the collected information with this insurer either automatically or on request from the insurer.  The insurer holds the ultimate risk for the customers insurance, and the information we collect is relevant for that insurers underwriting of the risk and assessment of claims.

 You have the right to:

1. Request all information that is held about you.
2. Request that information held about you is corrected.

Cookies:

Cookies are small data files that a website host computer sends to, or installs on, a user’s computer to help it remember information you enter, by passing a unique ID between your computer and the Initio website that identifies you.

We use ‘first party’ and ‘third party’ (including, but not limited to, Google Analytics, Google Signals and Hotjar) cookies on our website. The information recorded and tracked includes:
1. Information that users/consumers input when obtaining quotes or filing in the online forms.
2. User-specific information on pages users access, visit, complete.
3. Past activity on our site in order to provide better service when visitors return to our site.
4. Data on user behaviour and their devices (and across those different devices), including device screen size, device type, browser information, country location,

We use this information to help us understand how you engage with our website and enhance your experience while visiting our website.

Google Analytics & Signals
This technology enables initio to obtain visitation information across multiple devices (eg laptop, phone) when a user is signed-in and who have consented for this association with google.  The google information may include end user location, search history, youtube history, and data from other sites that partner with google.  The information is aggregated and anonymised.  

You can access your Google Analytics data and / or delete it by visiting My Activity.

Hotjar
Hotjar is a technology service that helps us better understand our users’ experience (e.g. how much time they spend on which pages, which links they choose to click, what users do and don’t like, etc.), it enables us to build and maintain our service by means of user feedback, and it allows us to track user specific information including sign-up form errors and the completion of online forms, such as claim forms. Hotjar also uses cookies and other technologies to collect the data    For further details, please see Hotjar’s Privacy Policy.

Specifically, we use Hotjar’s User Attributes service which includes Personally-Identifying-Information (PII).  On your request, by email to the address above, we will delete the Hotjar PII we hold on you.

Changing or disabling cookies
If you do not want to be recorded by Hotjar, you can disable it by setting the DoNotTrack header in your browser. For more information and more about Hotjar’s data processing, please visit: www.hotjar.com/legal/compliance/opt-out.

You can choose to delete or change the settings of your cookies from your internet browser.

NZ Motor Vehicle Register

Waka Kotahi NZ Transport Agency (NZTA) administers the New Zealand Motor Vehicle Register, which contains information about vehicles in New Zealand and the people they are registered to.

Initio Limited may access the Motor Vehicle Register for the purposes of assessing or processing an insurance policy or claim in relation to a vehicle, pursuant to section 241 of the Land Transport Act 1998 (LTA) and Gazette Notice 2022-au4072 of 28 September 2022.

If you prefer not to have your name and address accessible through the Motor Vehicle Register under section 241 of the LTA, you can notify NZTA. Visit www.nzta.govt.nz for details on what the Motor Vehicle Register entails and how to opt-out.

General:

  • If you do not want to receive e-mail from us in the future, please let us know by sending us an e-mail at the top of this page.
  • If you supply us with your postal address online you may receive periodic mailings from us with information on new products and services or upcoming events. If you do not wish to receive such mailings, please let us know by emailing or calling us.  You may also receive emails from us with a quote to insure that address if it is a residential address that is not already insured with initio.
  • Persons who supply us with their telephone numbers online may receive telephone contact from us with information regarding renewals, support, new products and services. If you do not wish to receive such telephone calls, please let us know by sending us e-mail at the above address.
  • If our information practices change at some time in the future we will post a new version of the privacy policy to our site. Once updated you are deemed to be given notice of our new policy.
  • Through the customer dashboard, which can be accessed by the customer with a password protected login, we provide customers with access to transaction information (e.g., dates on which customers made purchases, amounts and types of purchases) contact information (e.g., name, address, phone number) that we maintain about them, current and historical invoices and covers, current and previous claims information.
  • Customer can have this information corrected by updating the information on the dashboard or by email to the above address.
  • We ask for customer reviews of our service.  We do this online after a new policy, a renewal of a policy, or after a policy alteration.  If the customer provides a review or star rating, we may use this customer provided star rating and the feedback provided to let other customers know what other customers think of initio.  The review or star rating will display as a first name, the date the review was provided, the geographic location, and the insurance cover the review relates to.  For example, John from Hamilton, 8 August, Landlord Cover.  We will never reveal a customers full name or contact information.
  • We may use this review feedback on our website or as part of marketing material that is published outside of our website.
  • By providing a review, you consent to the way we will use this information.  We can remove or adjust your review on you request by email to the above address.
  • With respect to payment security and when we pass financial and credit card information we use secure third partes, Windcave Hosted Solution, and Stripe.

 

If you feel that this site is not following its stated Privacy policy, please contact us to discuss.