Chubb Life Insurance New Zealand Limited (Chubb Life, we, us, our) recognises the importance of protecting your privacy.
This Privacy Statement explains how Chubb Life may collect, hold, use and disclose information that identifies you (your personal information).
If you would like to contact us in relation to this Privacy Statement or our use of your information, please contact us at the details set out in the Contact Us section below.
Please read this Privacy Statement carefully. It applies to any personal information that you provide to Chubb Life or authorise us to collect. You authorise Chubb Life to collect, use, hold and disclose your personal information in accordance with this Privacy Statement if you:
(a) provide Chubb Life (including through independent advisers and other distributors) with, or authorise us to collect, personal information
(b) use our website, mobile applications (Apps) or other services, including our website available at: https://www.chubblife.co.nz (Website).
If you are an independent adviser authorised to distribute Chubb Life products (Chubb Life Adviser), you also authorise Chubb Life to collect, use, hold and disclose your personal information in accordance with this Privacy Statement when you engage with us and provide services to us as an adviser or use our adviser website available at https://adviser.chubblife.co.nz (Adviser Hub) and any other resources we make available to you.
We may update this Privacy Statement at any time by posting an updated version of it on our Website. The updated version of this Privacy Statement will take effect immediately once it is live on our Website.
We may also take additional steps to bring the changes to your attention, including by notifying you directly. You are responsible for reviewing this Privacy Statement regularly to ensure that you are aware of any updates.
We will update you of any material changes as required by law.
This Privacy Statement applies in addition to, and does not limit, our rights and obligations under the Privacy Act 2020 (as amended or replaced from time to time) (Privacy Act) or any specific authorisation that you provide to us when you interact with us or use our services.
You are not required to provide us with any personal information that we request. However, if you do not do so, we may not be able to provide certain services to you. For example, we may not be able to consider your application for insurance cover, administer your policy or manage a claim under your policy.
Our Website and services are intended for New Zealand residents only. If you are located in another country you may be subject to other laws, including data protection laws. For that reason, if you are not located in New Zealand you are not permitted to use, and must immediately cease using, our Website and services.
The personal information we collect will vary depending on the services that you use, and your interactions with us.
For example, if you are a customer (or interested in becoming a customer) we may collect:
If you are a Chubb Life Adviser, we may collect information relevant to your role as an insurance adviser.
Generally we collect personal information directly from you when you contact us or request or use our products or services. For example when you:
We have implemented and use Google Display Advertising. The Google Analytics feature we have implemented based on Google Display Advertising is re-marketing. This means that if you visit our Website but do not make a purchase, and you later visit a Website which has advertising space that is part of the Google Display Network, then you may see an advertisement from us on the second website. You can opt-out of Google Analytics for Display Advertising and customise Google Display Network ads using the Ads Preferences Manager.
We also collect your personal information from other people, with your consent. You provide your consent when you make an enquiry about our products or services or complete our application or claim forms. This may include:
We may also collect information about you that is publicly available or where you have provided third parties with your consent to share information about you with us, for example, from public registers or social media.
If you provide us with, or authorise us to collect, personal information about another person, you confirm that they have authorised you to provide us, or authorised us to collect, their personal information in accordance with this Privacy Statement and that you have informed them of their rights to access and request correction of their personal information, as set out below.
We may use your personal information for the following purposes:
We may use your personal information to provide you information about Chubb Life and third party products or services that we believe may be relevant and of interest to you, including via email and other electronic means. However, we will not do so if you tell us not to.
You may opt out of receiving marketing communications at any time if you no longer wish to receive marketing information or do not wish to receive marketing information in a particular way (for example, by email). To do so, please contact us using the details provided below. Alternatively, you may unsubscribe from our email marketing messages.
We also use aggregated and anonymous information (where identifiable characteristics are removed, so that you will remain anonymous) for statistical and actuarial research undertaken by the Chubb Group, the financial services industry or our regulators.
If you are a Chubb Life Adviser, we also collect and use your personal information for the purposes of managing our relationship with you. This may include collecting and using your personal information for the purpose of data matching. 'Data matching' is the process of comparing your personal information with publicly available information and/or with information held by a reputable entity that we have an ongoing relationship with in order to better enable us to carry out any of the above purposes and administer our products and services.
Chubb Life may disclose your information to carefully selected third parties for the purposes of data matching or for specific marketing purposes, provided those third parties are subject to an obligation of confidentiality.
If you are a Chubb Life Adviser, we may disclose and collect information about you (including default information) to and from a credit reporting and debt collection agencies, who may retain that information and use it to provide their credit reporting services.
We may share your personal information with third parties for the purposes outlined above. This may include:
If we disclose your personal information outside New Zealand, we will ensure that we do so in accordance with the Privacy Act.
Personal information that we collect is either held by us at our head office (refer to the Contact Us section below) or on our behalf. For example, some information we hold will be stored in “the cloud” in secure databases on our behalf by related or third parties based either in New Zealand or overseas (see further details below).
Security of your information is very important to us. We will take reasonable steps to protect the security of the personal information we hold about you from misuse, loss or unauthorised access, use, modification or disclosure.
We have information security policies and procedures in place for both computer records and for our paper files. These include password protection for accessing our electronic IT systems, storing paper files in secure cabinets or facilities and physical access restrictions.
Personal information that we hold electronically is stored on secure servers that are protected in controlled facilities.
We require our employees and data processors to respect the confidentiality of any personal information held by us.
When you provide personal information online, it is encrypted. This means it cannot be read as it is transmitted over the internet between your browser and our server. The encrypted data is transmitted using a RSA 2048 bit secure socket layer (SSL) connection.
Unfortunately, no data transmission over the internet can be completely secure, so we cannot give an absolute assurance that the information you provide to us via the internet will be secure at all times. We will not be held responsible for events arising from unauthorised access to your personal information.
Please contact us if you want further information about our security practices. Please notify us immediately if you become aware of any unauthorised use of this Website or any other breach of security.
Under the Privacy Act, you have the right to access and request correction of any personal information that we hold about you. We can withhold some or all of any information you request in some limited circumstances. If we withhold information from you, we’ll give you reasons. If you are not happy with the reasons we give, you can make a complaint through our internal dispute resolution process. Please refer to the ‘Contact Us’ section below. You may also make a complaint to the Privacy Commissioner.
We take reasonable steps to ensure that any personal information we hold about you is accurate and up-to-date, however we rely on you to notify us of any changes to the personal information we hold about you.
If you have any questions or requests relating to this Privacy Statement or personal information that we may hold about you, please refer to the “Contact Us” section on our Website.
This Privacy Statement was last updated on 4 March 2023.
Your insurance is underwritten by Chubb Life Insurance New Zealand Limited (Chubb Life). Chubb Life has an A (Excellent) financial strength rating given by A.M. Best Company Inc. A summary of the rating scale is: A++, A+ Superior | A, A- Excellent | B++, B+ Good | B, B- Fair | C++, C+ Marginal | C, C- Weak | D Poor | E Under Regulatory Supervision | F In Liquidation | S Suspended. For the full rating scale and more rating information visit www.ambest.com/ratings/guide.pdf