Site Policies

The material and facilities contained in this Web site are intended for New Zealanders. We hope the material and facilities will help you to make better-informed decisions about how best to provide for your needs. Please note, however, that the material in the site does not take into account any individual's particular circumstances, financial or otherwise. Nor is it exhaustive.

Any material collected on this site will only be used to support the processing of the insurance products described and is confidential to Costello Financial Services and Sovereign.

Seeking professional advice / Legal disclaimer

Before making any decisions, you should think about it carefully, and consider whether you should consult a qualified financial adviser. Every effort has been made to provide you with information and facilities that are reliable and accurate as at the time of publishing. However, neither Costello Financial Services nor any of its associates or employees make any express or implied representations or warranties regarding the material and facilities contained or referred to in this site, nor accept any liability for any loss or damage whatsoever which may arise in any way out of the use of any of the material or facilities; for errors in or omissions from the material or facilities; or for the accuracy of any information obtained through use or this site.

Copyright

Copyright © by Costello Financial Services. All rights reserved.

The material on this Web site is protected by copyright. Permission is granted to view the material on this Web site and to save the material only for your (or you and your family's) future personal reference. You should not further copy, modify, use or distribute the material in any way unless you obtain written permission of Costello Financial Services.

We at NZLife, (Costello Financial Services), ("we", "us", "our") respect your privacy and have therefore adopted a set of information management guidelines which are essential to our relationship with you. These guidelines have been developed with the recognition that internet technologies are rapidly evolving and that underlying business models are still not established. Accordingly, guidelines are subject to change. Any such changes will immediately be posted on this page.

Privacy Statement

We at NZLife, (Costello Financial Services), take your privacy very seriously, particularly in relation to our service to you. Any personal information you give us is kept confidential and held securely with care. Please read the following to understand how your personal information is collected, stored and used by us.

If you need more information about us and our service please email: info@costello.co.nz.

Information provided

Costello Financial Services provides the facilities through our websites to:

  • Provide information about Financial products to assist you understand the key aspects, obtain quotes, and identify the appropriate product which suits your needs.
  • Provide free quotations from the insurance companies we have selected.
  • Enable you to apply online for any of the insurance plans marketed on the website.

Through our websites you may enter information about you which enables us to provide these services to you. If you apply for insurance online through our website the information we collect will be used to assess your applicability for the insurance cover selected. Once you have provided this information to us on our website this is then passed to the appropriate insurance company. They will then complete any necessary administration requirements they require to enable them to accept your application for insurance and issue your policy.

This may include the insurance companies, ourselves or their or our agents or contractors:

  • Contacting you by telephone to obtain further information.
  • Requesting your signature on a copy of the Application form.
  • Requesting your signature on a Direct Debit form, if you have selected this method of payment.
  • Obtaining Payment details if you have not provided these on the website and instead requested to be contacted for these.
  • Sending you your Insurance Policy, once your Application for Insurance has been accepted by them.

Costello Financial Services (NZLife.), is not an insurance company. We market insurance products on behalf of insurance companies.

Information security

We gather information by your disclosing your personal information on this website using the standard on-line forms. We, or our contractors and agents, may also telephone or write to you to obtain further information.

We do not link IP addresses to anything personally identifiable.

Information storage

When you voluntarily use the services on our websites, we may collect personal information from you (as outlined above). At this time, we do not store any information entered by you.

Information usage

Your personal information is used for two purposes. Firstly to enable Costello Financial Services to keep you up to date with relevant information and offers about products. Secondly. the information provided by you to us on online application forms is used by the Insurance Companies who are providing the insurance plans to assess the risk of providing insurance to you, to administer any plan you take out with them and when you make a claim. Your personal information will not be shared with any other third party for any unrelated purpose without your prior consent.

Information sharing

We do not sell or rent your information to anyone. Your personal information will only be provided to the insurance company you have applied for insurance with through the websites.. It will not be released to any other third party for any unrelated purpose without your express permission. The insurance companies providing the insurance to you may contact you directly to obtain further information to assist in their risk assessment. This information is shared solely between you and the Insurance Company and their agents and contractors.

The information practices of insurance companies, and related or linked websites are not covered by this privacy statement. You should make sure you have read and understood their privacy policies on their websites before you provide any personal information. We are not responsible for the privacy statements or other content on websites linked from our site.

We may use third parties for the purposes of assisting us to provide this service to you. When third parties are employed for these purposes, we require them to keep the information secure and confidential. They must use the information only in a way that is consistent with this privacy statement and our terms and conditions.

In the event that this business is sold or integrated with another business your details may be disclosed to our advisers and any prospective purchaser's advisers and will be passed to the new owners of the business.

Information updating

You can opt-in to receive information and services on our web sites.

You can request to view, amend or delete your personal information or unsubscribe to any of our services at any time by emailing us at info@costello.co.nz or calling us on 0800 2NZLIFE (269543) or 09 4808308. However, once you have an insurance plan we cannot delete your information. It will be needed for the insurance you have purchased.

Consent

By disclosing your personal information on our service site, you consent to the collection, storage and processing of your personal information by our service in the manner set out in this privacy statement.

Opt out

You may discontinue participation in our service at any time by submitting a termination request through email at info@costello.co.nz. Any residual information will be deleted within 90 days of cancellation.

Future Changes to this Privacy Statement

We can change this privacy statement, and/or any part thereof, at any time. Any change will be effective upon posting the modified policy on this service web site under Disclosure (Privacy Statement). It is your responsibility to check this Statement regularly for any changes to it. Your non-termination or continuing to use our service, after any changes have been posted on our site, will be treated as your having accepted the changes.

Any questions or concerns regarding our information practices should be directed by email to info@costello.co.nz.