This privacy policy explains how The Caretakers Limited ("we", "us", or "The Caretakers") collects, uses, stores, and protects personal information through our InsureOS software platform ("InsureOS" or "the Platform").
InsureOS is a B2B software platform that enables insurance companies, brokers, and dealers to automate premium pricing, generate quotes, and process policy purchases. The Platform also includes consumer-facing elements where end customers submit information to receive insurance quotes.
Important: If you are a consumer receiving an insurance quote through InsureOS, your information is also collected and managed by the insurance company or broker providing the quote. They are a data controller in their own right and will have their own privacy obligations to you.
The Caretakers Limited
141 Picton Street
Howick, Auckland 2014
New Zealand
Email: [email protected]
Phone: +64 9 929 1216
This policy applies to:
The information we collect depends on how you interact with InsureOS:
We integrate with the following third-party services to deliver InsureOS functionality:
Windcave - We use Windcave as our payment gateway to process credit and debit card transactions. Card details are transmitted directly to Windcave using secure tokenization. We do not store full card numbers on our servers.
RedPlanet - If you choose to finance your insurance premium, we share necessary information with RedPlanet to process your funding application. This includes personal and financial information required for credit assessment.
JAVLN - Once a policy is purchased, we transmit policy data to JAVLN insurance ledger systems to create official policy records. This includes all information necessary for policy administration.
If you are an end consumer, the insurance company or broker providing your quote receives all information you submit through InsureOS. They are independent data controllers with their own privacy obligations to you.
We may disclose personal information if required by law, court order, or regulatory authority, or to protect our legal rights.
We do not sell your personal information to third parties for marketing purposes.
We implement industry-standard security measures to protect your information:
However, no data transmission over the internet can be guaranteed 100% secure. While we take reasonable precautions, we cannot guarantee absolute security of information transmitted to or stored by InsureOS.
We retain personal information for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required by law.
Insurance data retention: Due to regulatory requirements in the insurance industry, quote and policy data may need to be retained for extended periods (typically 7+ years) even after a policy expires or is cancelled. This is necessary for:
Account data for administrators and dealers is retained while accounts remain active and for a reasonable period afterward to maintain audit trails.
You can request deletion of your personal information, but we may need to retain certain data where we have a legal obligation to do so.
InsureOS uses cookies and similar technologies for:
You can control cookie settings through your browser, but disabling cookies may limit functionality of the Platform.
You have the right to:
To exercise these rights, contact us at [email protected] or +64 9 929 1216.
For consumers: If you received a quote through an insurance company or broker using InsureOS, you should also contact them directly regarding your data rights, as they are independent controllers of your information.
InsureOS is operated from New Zealand. If you access the Platform from outside New Zealand, your information may be transferred to and stored in New Zealand. We ensure appropriate safeguards are in place for any international data transfers.
InsureOS is not intended for use by individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from someone under 18, please contact us immediately.
We reserve the right to update this privacy policy at any time. Changes will be posted on this page with an updated "Last Updated" date. Significant changes will be communicated to registered users via email.
The current version will always be available at https://os.insure/privacy-policy.
If you integrate with the InsureOS API, you are responsible for:
If you have questions, concerns, or complaints about how we handle your personal information, contact us:
Email: [email protected]
Phone: +64 9 929 1216
Mail: The Caretakers Limited, 141 Picton Street, Howick, Auckland 2014, New Zealand
If you are not satisfied with our response, you may lodge a complaint with the New Zealand Privacy Commissioner at www.privacy.org.nz.