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Privacy Statement

Introduction

This privacy statement explains how Starlight Consultancy Limited handle your
personal information. It details how we collect, use, store, share, and dispose of your
data. We manage your personal information in compliance with the Privacy Act 2020
and this Privacy Statement.

How we Collect Information

We primarily collect personal information directly from you when you:

Call or email us
Speak with our advisor or support team
Purchase our products or make a claim
Participate in surveys
Provide credit card information
Use our online forms or resources
Comment on social media

We may also collect information about your visit to our website using cookies, as detailed below.

Occasionally, third parties may provide your information to us. We expect such third
parties to have obtained your consent before sharing your data. We require these
parties to confirm this and check their privacy policies to ensure compliance.
Unless you instruct us otherwise, we may collect or share personal information for
profiling purposes to better understand your needs and improve our services.
We may also collect information about you from:

Your health practitioners
Public registers and publicly available sources
Inland Revenue
Accident Compensation Corporation (ACC)
Other insurers.

By becoming a Starlight Insurance client, you authorise us to obtain personal
information from third parties and allow those third parties to disclose such information to us.

While you can choose not to provide certain information, this may limit the services we can offer or the relevance of future communications.

Types of Information we Collect

We collect, store, and use personal information relevant to providing services and operating our business, including:

Personal details: name, date of birth, gender, payment and financial
information (e.g., IRD number), income, next of kin, household details, and
occupation
Interaction records: conversations with our support team
Health records: subject to the Health Information Privacy Code 2020
Claim-related details: may include additional health information, photos, videos, or audio recordings
Technical data: IP address and information about your device when accessing
our website.

How we use Personal Information

We use your personal information to:

Communicate with you about reports, statements, and services
Process applications for our products and services
Maintain up-to-date records
Design and improve our offerings
Understand your financial needs
Manage and enhance our relationship with you
Share details of products and services you may find relevant (unless you opt
out)
Conduct data analysis and market research
Undertake credit checks on clients and verify your identity
Any other purpose authorised by our client or the Act

Sharing your Information

We may share your data with trusted partners who assist with service delivery or data analysis. These companies have their own privacy policies and must meet our
standards for data protection.

We may also disclose your information to comply with legal obligations, such as assisting investigations or sharing data with Inland Revenue or the Financial Markets
Authority.

Protecting your Personal Information

We will take steps that are reasonable in the circumstances to keep personal information safe from loss and from unauthorised access, use, modification or
disclosure.

We ensure our partners comply with privacy and security standards aligned with the
Privacy Act 2020.

Your Rights

You can request access to or correction of your personal information at any time by contacting us:
Phone: (09)218 7487
Email: info@starlightinsure.co.nz

Additional privacy resources are available on the Privacy Commissioner’s website.

Data Retention

We securely store personal information for the duration of your relationship with Starlight Insurance and retain it for at least seven years afterward before safely disposing of it.