Privacy Policy

1. Introduction

BRC Advice, trading as Immigration Insurance ("we", "our", "us") respects your privacy and is committed to protecting your personal information.

This Privacy Policy explains how we collect, use, store, and disclose your information in accordance with the Privacy Act 2020 (New Zealand).

By using our website or engaging with our services, you agree to the terms outlined below.

2. Information We Collect

We collect personal information so we can provide insurance and immigration-related financial advice, maintain client relationships, and meet our legal obligations.

Information we may collect includes:

• Name, address, email, and phone number
• Identification documents (passport, visa, driver's licence)
• Financial and employment details relevant to your insurance or immigration needs
• Health or travel information required for insurance applications
• Tax, residency, or citizenship information (if required)
• Communications and correspondence with us
• Website usage data such as IP address, browser type, and device information

3. How We Collect Information

We collect information when you:

• Submit an enquiry through our Website or contact form
• Speak or meet with an adviser
• Apply for or request a quote for insurance or related services
• Subscribe to our newsletter or marketing updates
• Use our online tools or calculators
• Provide documentation as part of a service or compliance requirement

4. How We Use Your Information

Your personal information may be used to:

• Provide tailored insurance and immigration-related financial advice
• Verify your identity and meet AML/CFT (anti-money-laundering) obligations
• Process applications and manage insurance policies
• Communicate with you about services or enquiries
• Send newsletters or marketing communications (only with your consent)
• Comply with legal, regulatory, or audit requirements
• Improve our Website, products, and client experience

5. Disclosure of Personal Information

We may share your personal information with:

• Insurers, underwriters, or product providers (to obtain quotes or process applications)
• Compliance and auditing providers
• Our professional advisers (e.g. accountants, lawyers)
• IT service and cloud-hosting providers
• Regulatory bodies such as the Financial Markets Authority (FMA) or other government agencies if required by law

We will never sell or rent your personal information.

6. Security and Storage

We take reasonable steps to protect your personal information from loss, unauthorised access, misuse, or disclosure.

Data is stored securely, using reputable cloud-based systems that meet New Zealand privacy standards or equivalent safeguards.

7. Retention of Information

We retain your information only as long as necessary to provide our services or as required by financial, insurance, or legal record-keeping obligations.

8. Access and Correction

You have the right to:

• Request access to the personal information we hold about you; and
• Request correction of any information that is inaccurate or incomplete.

Please contact us using the details below. We may need to verify your identity before releasing information.

9. Cookies and Analytics

Our Website may use cookies and analytics tools (e.g. Google Analytics) to collect non-identifiable usage data.

Cookies help improve functionality and analyse performance. You can disable cookies in your browser, but some features may not work as intended.

10. Marketing Communications

We comply with the Unsolicited Electronic Messages Act 2007.

You will only receive marketing communications if you have opted in, and you can unsubscribe at any time using the link in our emails or by contacting us.

11. Overseas Transfers

If we use third-party providers located outside New Zealand (for example, for cloud storage or email services), we take reasonable steps to ensure that your information remains subject to privacy protections comparable to New Zealand law.

12. Updates to This Policy

We may update this Privacy Policy from time to time. The latest version will always be available on our Website and will include the updated effective date.

13. Contact Us

If you have any questions or wish to exercise your privacy rights, please contact: