The website “Insurance Spy” is owned and operated by Lead Engine (we, us, our). By using the website, you agree to abide by the terms we have stipulated here, which encompass all the conditions, policies, and notices specified on the site. These terms are applicable to all users of the website.

Before accessing or utilising any part of the website, carefully read our terms. Failure to read the terms means you cannot access the website or utilise its services, including everything that’s linked to it. Any new features or tools added to the website will also be subject to the terms. Lead Engine reserves the right to update, modify, or replace any part of the terms by posting updates on the website. We are not responsible if information made available on this site is not accurate, complete, or current. It is your responsibility to do a fact check or any relevant research. By continuing to use the website after such updates, you indicate your acceptance of the revised terms.

You are in no way allowed to use this website for any illegal or unauthorised purpose, and any breach or violation of the terms may result in termination of any service provided to you.

We retain the right to decline service to anyone at any time and for any reason.

You acknowledge that your content may be transferred without encryption and you agree not to reproduce, duplicate, copy, sell, resell, or exploit any part of the website without our written permission. You acknowledge that all the tools or service available here come with no warranties and we have no liability to you when using our services.

By agreeing to the terms, you are agreeing that you have read and understood the details stated above and that you are of legal age (at least 18 years old) or you have consented to your minor dependents to use the website.

This privacy policy explains how Lead Engine (we, us, our) collects, uses, discloses and protects personal information. We comply with the Privacy Act 2020 when dealing with personal information. Personal information is information about an identifiable individual (a natural person).

We collect your details when you submit them on our website forms. If you are filling it out for someone else, make sure that you have the authority and consent of the individual.

We also receive your computer’s internet protocol (IP) address, and may learn about your operating system, browser, and the date of visit.

We do not collect any other details apart from what’s stated above.

We use your personal details to:

• Provide and market our services (and to assist in improving our services)
• Conduct research and statistical analysis (on an anonymised basis)
• Communicate with you.

We disclose your personal information to:

• Financial Advice Providers (FAP) (and their advisers) whom we work with
• Third parties, required by the law
• Regulatory bodies, whether or not required by the law
• Other purposes you consent to.

While we take reasonable steps to maintain secure internet connections, if you provide us with personal information over the internet, the provision of that information is at your own risk.

Insurance Spy and/or the Privacy Officer, will undertake an analysis of a privacy complaint to identify if it is serious and systemic in nature, and will involve the Privacy Commissioner if necessary. See https://privacy.org.nz/responsibilities/privacy-breaches.

Insurancespy.co.nz is a website owned by Lead Engine. Lead Engine is a marketing agency. The purpose of this website is to generate insurance enquiries which we then sell to Financial Advice Providers (FAP) that are qualified and licenced by the FMA to give advice on insurance products. The Insurance Spy service helps connect good quality financial advisers to customers looking for financial advice on insurance.

The financial advice providers that are providing the advice is one of the following businesses:

• Policywise Limited

One of the above businesses will be in contact with you to help you with any advice or quotes if you submit your details through the Insurance Spy website.

The Insurance Spy service is 100% free. Any fee disclosure of the Financial Advice Providers and its advisers connected to Insurance Spy will be disclosed to you upon their initial contact with you.

We might engage in remarketing efforts using a cookie tracking code. Additionally, we may occasionally reach out to you through email communications. We will never give your information to third party marketers, advertisers, or data collectors.

This website is managed and owned by Lead Engine and has an agreement with the following:

• Policywise Limited, FSP715811

The above Financial Advice Provider and its financial advisers will be providing advice based on their terms of engagement with you.

The adviser that you are introduced to will send you all the disclosure information required for you to decide whether they are right for you. View their FSP here if you wish: https://fsp-register.companiesoffice.govt.nz.

Any communication made by Insurance Spy should not be taken as advice. The above-licenced entity(s) are the only ones who are legally allowed to provide advice.

For any questions or concerns, do not hesitate to reach us at hello@leadengine.co.nz.