# Cumulo9
> Customer communications management and digital delivery for compliance\-sensitive industries
## At a glance
| Field | Value |
| --- | --- |
| Category | Customer Engagement |
| Type | Solutions Provider |
| Region | APAC |
| Headquarters | Auckland, New Zealand |
| Founded | 2001 |
| Stage | Established |
| Employees | 11-50 |
| Funding | Bootstrapped |
## Overview
Cumulo9 is a customer communications management (CCM) and digital delivery platform serving compliance-sensitive industries including insurance. Based in Auckland, New Zealand, the company provides tools for carriers, brokers, and financial services firms to send essential documents -- policy notices, invoices, and statements -- via email, SMS, e-invoicing (Peppol), and WhatsApp from a single integrated platform.
The company offers both its own suite of communications products (C9 Transact, C9 Signature, C9 Campaign, C9 eInvoicing) and acts as the New Zealand Platinum reseller of Quadient Inspire, an omnichannel CCM platform recognized by Gartner, Forrester, and IDC. Cumulo9 holds ISO 27001:2022 certification from the British Standards Institute and B Corp certification (score 84.1/100). The platform claims a measured email deliverability rate of 99.5% and supports compliance requirements including proof of delivery, read receipts, and email authentication (SPF, DKIM, DMARC).
In the insurance sector, Cumulo9 serves brokers and carriers with documented case studies from PIC Insurance and Apex Insurance. They are a member of InsurTechNZ and regularly publish email benchmarking data specific to New Zealand insurers. The company operates offices in Auckland, Wellington, Melbourne (Australia), and Newark (USA), and is an approved supplier on the New Zealand Government DIA Marketplace.
## Products & services
### C9 Transact
Electronic document delivery and archiving platform for compliance-sensitive outbound communications. Enables organisations to send policy documents, statements, invoices, and payslips via email, SMS, Peppol e-invoicing, and WhatsApp, with tracking, archiving, and proof of delivery.
**Key features:**
- Multi\-channel delivery \(email, SMS, WhatsApp, Peppol\)
- Compliance audit trail with read receipts and proof of delivery
- Email authentication \(SPF, DKIM, DMARC\)
- Document archiving for regulatory retention
*Target users:* Insurance carriers, brokers, financial services firms requiring compliant outbound communications
### C9 Signature
Centralised email signature management platform with compliance and brand consistency features. Automates inclusion of legal disclaimers required by New Zealand financial regulators (Financial Markets Authority).
**Key features:**
- Centrally managed branded email templates
- Automated legal disclosure and disclaimer insertion
- Consistent branding across all staff emails
- Audit trail for regulatory compliance
*Target users:* Insurance brokers and carriers operating in regulated markets
### C9 Campaign
Business email campaign platform for marketing and customer communications.
**Key features:**
- Campaign design, personalisation, and automation
- Silent read receipts and click tracking
- Open rate analytics, heatmaps, and audience segmentation
- Drill\-down reporting
*Target users:* Insurance brokers using email newsletters and client communications \(e\.g\., Apex Insurance achieves 50%\+ open rates for quarterly newsletters\)
### C9 eInvoicing
Invoice exchange platform built on the Peppol standard, endorsed by New Zealand MBIE and the Australian Taxation Office.
**Key features:**
- Peppol\-compliant cross\-border e\-invoicing
- Endorsed by MBIE \(New Zealand\) and ATO \(Australia\)
- Streamlined invoice processing and reconciliation
*Target users:* Organisations requiring compliant e\-invoicing with government bodies or regulated entities
### Automator \(Digital Forms\)
Business process automation tool for personalised, compliant digital forms covering quotes, applications, and other insurance workflows.
**Key features:**
- Digital form creation and workflow automation
- Integration with downstream policy and billing systems
- Used by Apex Insurance to automate low\-margin commercial lines
*Target users:* Insurance brokers and carriers digitising paper\-based processes
### C9 Archive
Document archiving and retrieval solution offered in partnership with Therefore, providing compliance-grade retention and retrieval.
**Key features:**
- Compliance\-grade document retention
- Online storage and retrieval beyond basic file management
- Partnership with Therefore document management platform
*Target users:* Insurers and financial firms with long\-term document retention obligations
### Quadient Inspire \(Reseller\)
Cumulo9 is the New Zealand Platinum reseller of Quadient Inspire, an omnichannel CCM platform. Services include deployment, training, maintenance, and professional services.
**Key features:**
- Omnichannel communication design and delivery
- Gartner\-, Forrester\-, and IDC\-recognized CCM platform
- New Zealand Platinum Partner since 2019
*Target users:* Enterprise insurers and financial institutions requiring full omnichannel CCM capability
## Category & focus
- Subcategories: Customer Communications Management, Email Delivery, Digital Document Distribution, E\-Invoicing
- Insurance verticals: P&C Commercial, P&C Personal
- Target customers: Carriers, Brokers
## Notable customers
- PIC Insurance \-\- 100% NZ\-owned insurance brokerage; uses C9 Signature and C9 Campaign for brand consistency and FMA compliance
- Apex Insurance \-\- Independent commercial insurance broker; uses C9 Signature, C9 Campaign, and Automator since 2013
- Gut Cancer Foundation
- WellingtonNZ
- Fifo Capital
- BOC New Zealand
## Links
- Website:
- Directory profile:
- Blog:
- Linkedin:
- Press/news:
- Case studies:
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*Last updated: 2026\-06\-13*