Cover First Privacy Policy

Effective Date: 20.10.2025

Last Updated: 20.10.2025

At Cover First, a service provided by Invicta Financial, we value your privacy and are committed to protecting your personal information in accordance with the Privacy Act 2020 and its principles. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you interact with our website.

What is personal information?

The Privacy Commission provides the following definition on its website:

Personal information is any piece of information that relates to a living, identifiable human being. People’s names, contact details, financial health, purchase records: anything that you can look at and say, “this is about an identifiable person.”

It does not need to include the client’s name and does not need to be secret or sensitive. It is any information that could be used to identify an individual.

1. Information We Collect

We may collect the following types of personal information when you use Cover First:

• Personal Details: Name, email address, phone number, postal address, and other contact details.
• Insurance Information: Details about your current insurance policies, preferences, and family circumstances.
• Technical Data: Information about your device, IP address, browser type, operating system, and other technical data is automatically collected through cookies and tracking technologies.

2. Purpose of Collecting Personal Information

We collect your personal information for the following purposes:

• To provide personalised insurance comparison services and recommendations.
• To transfer your personal information to Invicta Financial so they can provide tailored insurance and financial advice.
• To communicate with you regarding the requested services, including sending follow-up communications about your insurance needs.
• To comply with legal obligations, resolve disputes, or enforce agreements.

3. Sharing Your Information

We may share your personal information with:

• Invicta Financial: Once you submit your details on Cover First, your personal information will be shared with Invicta Financial for the purpose of providing personalised insurance advice.
• Third-Party Service Providers: We may share your information with third-party vendors that assist with website operations, customer support, or other services.
• Legal Authorities: In the event, we are required to disclose information to comply with legal obligations or regulations.
• We will not share your personal information without your consent unless it is necessary to provide our services or is required by law.

4. Client Authorisation and Consent

By using submitting information to Cover First, you consent to the following:

• Providing your personal information to us and Invicta Financial for the purposes stated in this policy.
• Consent to receive communications from Invicta Financial and other third parties for insurance advice and service offerings (if applicable).
• Granting permission for Invicta Financial to contact you directly based on the information submitted.
• We will always obtain your consent before sharing personal information, and you have the right to revoke consent at any time.

5. Data Retention

We retain your personal information for up to 7 years after the completion of your request, in compliance with legal and regulatory requirements. If a longer retention period is required due to legal or operational needs, we will securely store the data until no longer required. We will securely dispose or return the information, as per your request.

6. Security of Personal Information

We take reasonable measures to ensure the security of your personal information, whether it is stored physically or electronically. This includes:

• Ensuring that personal information is accessible only by authorized personnel.
• Storing personal information securely, using password protection and other data security measures.
• Using third-party service providers that comply with the Privacy Act 2020 to ensure that your data is stored securely.

7. Your Rights Under the Privacy Act 2020

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

• Access: You can request access to the personal information we hold.
• Correction: You may request corrections to any inaccurate or incomplete information.
• Deletion: You may request the deletion of your personal information, subject to applicable legal requirements.
• Objection: You may object to the processing of your personal information in certain circumstances.

To exercise any of these rights or if you have any concerns about the handling of your personal information, please contact us at info@invictafinancial.co.nz.

8. Cookies and Tracking Technologies

We use session cookies to maintain your session and analytics cookies to track usage patterns. Third-party cookies from analytics providers may also be used. These technologies allow us to track user activity and gather analytics to enhance website performance. You can control cookies through your browser settings, but please note that disabling cookies may affect your user experience.

9. Breach of Privacy

Where a breach of privacy is suspected, it is reviewed for potential harm to determine what immediate action needs to be taken to prevent any further breach.

If it is concluded that a breach of privacy has occurred, we notify the affected individuals of the breach and let them know how their privacy has been breached, what steps we are taking to limit the breach, and confirm that we will be reporting the breach to the Privacy Commissioner.

We then notify the Privacy Commissioner using the NotifyUs function on the website of the Privacy Commission:

https://www.privacy.org.nz/privacy-for-agencies/privacy-breaches/notify-us/ 

Where it is determined that there has been a breach of privacy or there was the potential for a breach to have occurred, it is recorded in our Incident & Breach Register and treated in line with our Material Issues and Reporting Policy.

How compliance is monitored

Tom Clarke is the nominated Privacy Officer and is responsible for understanding our responsibilities under the Privacy Act 2020. We review all our advice files for accuracy and compliance with our obligations under this policy.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page, and the “Last Updated” date will be revised accordingly. We encourage you to review this page periodically to stay informed about how we are protecting your information.

11. Contact Us

If you have any questions or concerns about this Privacy Policy or wish to exercise your rights under the Privacy Act 2020, please contact us at:

Email: info@invictafinancial.co.nz

Phone: 0800 468 282