Terms of Use
Privacy Policy & Legal
Privacy Policy
This Privacy Policy governs the manner in which Zero Risk collects, uses, maintains and discloses information collected from users (each, a "User") of the www.zerorisk.co.nz website ("Site").This privacy policy applies to the Site and all products and services offered by Zero Risk.
Personal identification information
We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, place an order, fill out a form, and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, phone number, credit card information. Users may, however, visit our Site
anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities.
Non-personal identification information
We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.
Web browser cookies
Our Site may use "cookies" to enhance User experience. User's web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.
How we use collected information
Zero Risk may collect and use Users personal information for the following purposes:
To improve customer service
Information you provide helps us respond to your customer service requests and support needs more efficiently.
To improve our Site
We may use feedback you provide to improve our products and services.
To send periodic emails
We may use the email address to send User information and updates pertaining to their order. It may also be used to respond to their inquiries, questions, and/or other requests.
How we protect your information
We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.
Sensitive and private data exchange between the Site and its Users happens over a SSL secured communication channel and is encrypted and protected with digital signatures.
Sharing your personal information
We do not sell, trade, or rent Users personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above.
Changes to this privacy policy
Zero Risk has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.
Your acceptance of these terms
By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.
About Us
Tim Flowers
Tim specialises in the area of Personal Risk Protection, focused on client’s financial needs following the temporary or permanent loss of an individual through death or disability. This embraces the protection of individuals, families and businesses.
Tim started in the Insurance Industry in 1992 and since then has broadened his horizons, gaining a vast knowledge and experience which has equipped him to offer clients advice across a wide range of areas within the Personal Risk arena.
He has successfully completed several papers at Massey University, covering subjects such as personal finance, and estate and tax planning which have proven to be a valuable resource.
Tim’s background as a chef makes him a fan for entertaining. Tim and his family regularly share their love of food with guests at home, or on their trips to Auckland where their children now reside.
Office: 0800 500 634
Mobile: (021) 596 321
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
Tania Flowers
Tania’s background with the insurance industry started with a role working at Royal and Sun Alliance Life, soon becoming Executive Assistant to the Auckland Area Manager. This experience has put Tania in good sted for her role at Zero Risk, bringing a wealth of knowledge which is necessary to manage the diverse tasks asked of her by the Zero Risk Clientele.
Tania is very keen on her sport and always has an opinion on the All Blacks performance or the Silver Ferns win after a weekend.
Tania enjoys travelling, her favourite destination being Vietnam where she supports ‘Blue Dragon Children’s Foundation’, an organisation that assists street kids, abused kids and rescues trafficked kids from all over Asia. (you can learn more about this by clicking on the link below)
Like Tim she enjoys dining out and they spend their spare time in Auckland with their three children who now study and reside there.
Office: 0800 500 634
Mobile: (021) 656 911
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
