Privacy Policy

WinterSportsInsurance.co.nz is a trading style of Cover4You, a specialist comparison and referral service for winter sports and ski travel insurance. We are committed to protecting your privacy and handling your personal information in accordance with the New Zealand Privacy Act 2020.

We may collect the following types of information:

• Usage data — pages visited, time on site, browser type, device type, and referring website, collected automatically via cookies and analytics tools (Google Analytics).
• Contact data — if you contact us via our contact form, we collect your name, email address, and message content.
• Referral tracking data — when you click through to an insurance provider, we record that a referral took place to attribute commissions. We do not receive your personal details from providers.

We do not collect sensitive personal information such as financial account numbers, health records, or government identifiers through this website.

• To operate and improve our insurance comparison service
• To understand how visitors use our site and optimise content
• To respond to contact form enquiries
• To track referrals to insurance providers for commission attribution
• To comply with legal and regulatory obligations

We do not use your personal information for unsolicited direct marketing.

We use Google Analytics to understand visitor behaviour. Google Analytics uses cookies to collect aggregated, non-personally-identifiable data. You can opt out using the Google Analytics Opt-out Browser Add-on.

We use cookies for: analytics (measuring site performance) and referral tracking (attributing visits and purchases to this site). You can disable cookies in your browser settings, though this may affect site functionality.

Our site links to third-party insurance provider websites. When you click through to a provider, you are subject to that provider's own privacy policy. We are not responsible for the privacy practices of any external website. We recommend reading each provider's privacy policy before submitting personal information to them.

We do not sell, rent, or trade your personal information. We may share information in these limited circumstances:

• Service providers — analytics and hosting providers who process data on our behalf under appropriate agreements.
• Legal requirements — if required by law or a valid regulatory request.
• Business transfers — personal information may transfer as part of any sale or merger of Cover4You.

We retain personal information only as long as necessary for its purpose or as required by law. Analytics data is retained per Google's settings. Contact enquiry data is held for up to 24 months.

Under the New Zealand Privacy Act 2020, you have the right to access, correct, or request deletion of personal information we hold about you. To exercise these rights, contact us at hello@cover4you.co.nz.

If you are unsatisfied with our response, you may contact the Office of the Privacy Commissioner (www.privacy.org.nz).

We take reasonable steps to protect personal information from loss, unauthorised access, use, modification, or disclosure. This site uses HTTPS encryption. However, no internet transmission is completely secure.

We may update this policy from time to time. The date at the top indicates when it was last updated. Continued use of the site after changes are published constitutes acceptance.

Email: hello@cover4you.co.nz

Website: www.cover4you.co.nz