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Terms of Use / Privacy & Complaints Policies

Web Site Terms and Conditions of Use



1. Terms

By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.



2. Use License

Permission is granted to temporarily download one copy of the materials (information or software) on PSC Insurance Brokers NZ Limited web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

  1. modify or copy the materials;

  2. use the materials for any commercial purpose, or for any public display (commercial or non-commercial);

  3. attempt to decompile or reverse engineer any software contained on PSC Insurance Brokers NZ Limited web site;

  4. remove any copyright or other proprietary notations from the materials; or

  5. transfer the materials to another person or "mirror" the materials on any other server.

This license shall automatically terminate if you violate any of these restrictions and may be terminated by PSC Insurance Brokers NZ Limited at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

3. Disclaimer

The materials on PSC Insurance Brokers NZ Limited web site are provided "as is". PSC Insurance Brokers NZ Limited makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, PSC Insurance Brokers NZ Limited does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.

4. Limitations

In no event shall PSC Insurance Brokers NZ Limited or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on PSC Insurance Brokers NZ Limited Internet site, even if PSC Insurance Brokers NZ Limited or a PSC Insurance Brokers NZ Limited authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

5. Revisions and Errata

The materials appearing on PSC Insurance Brokers NZ Limited web site could include technical, typographical, or photographic errors. PSC Insurance Brokers NZ Limited does not warrant that any of the materials on its web site are accurate, complete, or current. PSC Insurance Brokers NZ Limited may make changes to the materials contained on its web site at any time without notice. PSC Insurance Brokers NZ Limited does not, however, make any commitment to update the materials.

6. Links

PSC Insurance Brokers NZ Limited has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by PSC Insurance Brokers NZ Limited of the site. Use of any such linked web site is at the user's own risk.

7. Site Terms of Use Modifications

PSC Insurance Brokers NZ Limited may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

8. Governing Law

Any claim relating to PSC Insurance Brokers NZ Limited web site shall be governed by the laws of the State of Christchurch, New Zealand without regard to its conflict of law provisions.

General Terms and Conditions applicable to Use of a Web Site.

Privacy policy


In this Privacy Policy, 'we', 'us' and 'our' means PSC Insurance Brokers NZ Limited

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; and


  • courts, law enforcement, regulators and other government agencies to comply with all applicable laws, regulations and rules


  • 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.


Transfer of personal information overseas


We may disclose your personal information to third party service providers and/or insurers who may process your personal information either on our behalf or otherwise for one or more of the above-stated purposes.


Some of the third party service providers to whom we disclose personal information are located in countries outside New Zealand, such as (including but not limited to) Australia, United Kingdom, United States of America, India, Singapore, Malaysia, Philippines and Vietnam). In this regard, unless exempted by the Privacy Act 2020, we would have sought your express authorisation to do so prior to the transfer of your personal information overseas.  Overseas disclosure of your personal information will only be made for one or more of the purposes specified in this Privacy Policy.


We will take appropriate steps ensure that transfers of personal information are in accordance with applicable law and carefully managed to protect your privacy rights, such as by ensuring disclosures are limited to recipients who are subject to privacy laws which are recognised as providing a comparable level of legal protection as the Privacy Act 2020 or where we can be satisfied that alternative arrangement are in place to protect your privacy rights.


Your obligations when you provide personal information of others


You must not provide us with personal information of any other individual unless you have the express authorisation of that individual to do so.  If you do provide us with such information about another individual, before doing so you:


  • must tell that individual that you will be providing their information to us and that we will handle their information in accordance with this Privacy Policy;


  • must provide that individual with a copy of (or refer them to) this Privacy Policy; and


  • warrant that you have that individual's consent to provide their information to us.


If you have not done this, you must tell us before you provide any third party information.



Your obligations when we provide you with personal information


If we give you, or provide you access to, the personal information of any other person, you must only use it:


  • for the purposes we have agreed to; and


  • in compliance with applicable privacy laws (including the Privacy Act 2020) and this Privacy Policy.


You must also ensure that your agents, advisers, employees and contractors meet the above requirements.


Accuracy, access and correction of your personal information


We take reasonable steps to ensure that your personal information is accurate, complete and up-to-date whenever we collect, use or disclose it. However, we also rely on you to advise us of any changes to your personal information.


Please contact us using our contact details below as soon as possible if there are any changes to your personal information or if you believe the personal information we hold about you is not accurate, complete or up-to-date.


You can make a request to access your personal information or to have it corrected by contacting us using the contact details below. If you make an access request, we will provide you with access to the personal information we hold about you unless otherwise required or permitted by law. We will notify you of the basis for any denial of access to your personal information.  We may charge a fee where permitted by law.


Security of your personal information


We take reasonable steps to protect any personal information that we hold from misuse, interference and loss, and from unauthorised access, alteration and disclosure.  However, data protection measures are never completely secure and, despite the measures we have put in place, we cannot guarantee the security of your personal information. You must take care to ensure you protect your personal information. You should notify us as soon as possible if you become aware of any security breaches. Where required by law, we will notify you of any notifiable privacy breach concerning your personal information.


Updates of Privacy Policy


We reserve the right to amend our Privacy Policy from time to time to ensure we properly manage and process your personal data.


How to make a complaint


If you wish to make a complaint about a breach of this Privacy Policy or any breach of applicable privacy laws, you can contact us using the contact details below. You will need to provide us with sufficient details regarding your complaint together with any supporting evidence and information.  You can also complain to the Privacy Commissioner (see


How to contact us


If you wish to gain access to your personal information, want us to correct or update it, have a complaint about a breach of your privacy or any other query relating to our Privacy Policy, please contact us at


Complaints Procedure

PSC Insurance Brokers NZ Limited is a member of Financial Services Complaints Limited (FSCL)
and as part of our membership, and in order to provide the best client service possible, we provide a
fair, transparent and timely resolution of complaints and disputes.

If you are not satisfied with a product or service provided by your broker, please contact your broker
to lodge a complaint with them. They will immediately acknowledge your complaint and will advise
you of the steps being taken to resolve the matter.

If you are unable to contact your broker, or wish to speak with someone else please contact Dave Penfold - or 09 358 1186 

We will try to resolve your complaint quickly and fairly, however, should we be unable to attend to
your complaint within 24 hours, we will advise you of this and endeavor to resolve the matter within
20 working days of receipt.

If you remain dissatisfied, you have the right to refer your complaint to Financial Services Complaints
Limited (FSCL) for further consideration and/or adjudication.


They can be contacted at:

Financial Services Complaints Limited (FSCL)
Phone: Free call within NZ - 0800 347257
From overseas – +64 4 472 3725
Fax: +64 4 472 3727

PO Box 5967
Lambton Quay
Wellington 6145


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