Privacy policy

Who holds your information

Lagervik Private Clients is the personal insurance advisory practice of SM21 Limited, 6 Garden Place, Hamilton Central 3204. Setti Mulari (FSP1012700) is the privacy officer for the practice.

Contact: [email protected] or 07 808 7882.

What is collected

Advising on personal insurance requires knowing a good deal about you: your name and contact details, date of birth, occupation and income, your family and who depends on you, your assets and liabilities, the cover you already hold, and your medical and family health history.

Health information is sensitive. It is collected only where an insurer needs it to assess an application or a claim, and only with your authority.

If you have only booked an appointment or sent an enquiry, all that is held is what you typed into the form.

Where it comes from

Mostly from you, in conversation or on an application form. Sometimes from someone else: an insurer you already hold cover with, a doctor or specialist where you have signed an authority, or your accountant, lawyer or mortgage adviser where you have asked them to speak with us.

Since 1 May 2026 the Privacy Act has required agencies to tell you when they have collected information about you from a source other than you. Where that happens, you will be told.

What it is used for

• Giving advice and preparing recommendations
• Applying for cover on your behalf and answering underwriting questions
• Reviewing your cover as your circumstances change
• Supporting a claim
• Meeting the record-keeping and compliance obligations that apply to licensed financial advice

Nothing is sold, rented or traded. You are not added to a mailing list without asking for it.

Who it is shared with

• Insurers, and the underwriters and reinsurers behind them, where you have asked for cover to be applied for or varied
• Medical practitioners and laboratories, where you have signed a specific authority
• The Financial Advice Provider under whose licence the advice is given, for compliance and audit purposes. The disclosure statement names it
• The Financial Markets Authority or a dispute resolution scheme, where required
• The software used to run the practice: email, document storage and the client record system

Some of those providers store information on servers outside New Zealand. Where they do, they are subject to privacy safeguards comparable to the Act, as principle 12 requires.

How long it is kept

Records of financial advice must be kept for at least seven years under the Financial Markets Conduct Act. Insurance files are held for at least that long, because a claim can arise many years after the advice was given. Information no longer needed for any lawful purpose is destroyed securely.

This website

The site runs on Odoo and sets a small number of cookies needed for it to work, including a session identifier and a Cloudflare security check on the login and contact forms.

It also uses Google Analytics 4, loaded through Google Tag Manager, to count visits and to see which pages lead people to make an appointment. That sets cookies recording a randomised identifier, the pages you look at, your approximate location from your IP address, and the browser and device you are using. It does not tell us your name.

Google Ads conversion tracking may be added later. This page will name it when it is.

New Zealand has no separate cookie law. Cookies are covered by the Privacy Act wherever what they collect can be linked back to an identifiable person. You can block or delete cookies in your browser at any time, and turn off personalised advertising in your Google account settings. Parts of the site may stop working if you block everything.

Seeing it, and correcting it

You can ask what is held about you, and ask for it to be corrected. Ask us directly. There is normally no charge, and the Act allows twenty working days for a reply. If something cannot be released, you will be told why.

If something goes wrong

A privacy breach that could cause serious harm must be reported to the Privacy Commissioner and to the people affected. That will be done.

If you are unhappy with how your information has been handled, tell us first. If it cannot be resolved between us, the Office of the Privacy Commissioner will take a complaint: 0800 803 909, or privacy.org.nz. Complaints about the financial advice itself follow a different route, set out in the disclosure statement.