1. We comply with the New Zealand Privacy Act 2020 when dealing with personal information.

            2. Personal information is information about an identifiable individual (a natural person) and includes personal data, personally                         identifiable information and equivalent information under applicable privacy and data protection laws.

            3. If there is any conflict between this privacy policy and the website and Services terms and conditions, the website and services                     terms and conditions will prevail. 

            4. Collection of information

4.1 Information collected through our website may include personal information about you (including identifiers, as set out in cl 5 below). For example, personal information may be: 

(a) provided by you through registration on our website;

(b) provided to us by you through any other method (such as by email and through discussions); and

(c) collected by us through cookies (as set out in cl. 7). 

4.2 Failure to provide necessary personal information when requested may result in certain services not being available to you.

4.3 We may also collect aggregated information generated by our systems, which tracks traffic to our Services but does not relate to you personally (see cl 7 below).

            5. Identifiers

5.1 Information about your computer and about your visits to and use of the Services (such as your IP address, location, browser type and user name) will be recorded when you log in to our Services. We may use this information to identify you. We will treat this information as personal information. Your password is not stored by us. 

5.2 We do not intend to collect personal information from children aged under 16. If you have reason to believe that a child under the age of 16 has provided personal information to us through our website and/or by using our services, contact us through the ‘Contact details’ section below.

             6. Cookies

6.1 Our Services uses temporary cookies to keep a session open after a user logs in. We may use the information we obtain from the cookies in the administration of our services and to improve the usability of our services. These cookies help us recognise previous visitors and also identify the route history of users. We cannot identify any personal information stored in these cookies, nor can we gain access to any information stored on your hard drive. In addition, we cannot access information from cookies sent from other websites. Information collected will only be used as described above, and also to improve our services. Some browsers allow you to refuse to accept cookies but this may have a negative impact on the usability of our services.

            7. Other information

We will have access to and may use other information, such as number of users, traffic patterns and demand for the service, to monitor server and software performance as well as for our other internal purposes. We may also collect information about all system interaction with users while they are logged in. This information is owned by us and may be used to verify actions taken by a user or to better understand the behaviour of users in order to improve our website. 

            8. Use of information

8.1 We (and our employees, officers, agents, contractors and affiliates as defined below) may use the personal information you provide: 

(a) to verify your identity for use of our Services, to conduct address verification and to enrich your profile and search ability;

(b) to assist in providing better services to you by tailoring the services to meet your needs;

(c) to provide you with further information about us or other websites or products or services offered by us or which we consider may be of interest to you;

(d) to carry out marketing, promotional and publicity activities (including direct marketing), market research and surveys;

(e) to keep our website relevant and of interest to users;

(f) to show you information that is most relevant to you and your interests;

 (h) to allow us to run our business and perform administrative and operational tasks (such as training staff, risk management; developing and marketing products and services, undertaking planning, research and statistical analysis; and systems development and testing, keeping our records up to date, being efficient about how we fulfil our legal and contractual duties);

(i) to comply with legal and regulatory requirements;

(j) to detect any fraud or crime, or money laundering and counter financing of terrorism in connection with any laws, rules or regulations in New Zealand or overseas for analysis in aggregate form (with identifiable characteristics removed so that you will remain anonymous); and

(k) for any other purpose which is stated to you at the time of collection or that you otherwise authorise. 

            9. Information sharing and disclosure

 9.1 We will not disclose personal information we collect from you through our Services other than as set out in this privacy policy or as otherwise agreed with you. 

9.2 We may disclose information about you, including your personal information, to our affiliates or related companies (which means any person or other entity which directly or indirectly controls, is controlled by or is under common control with us) for the purposes set out in the above paragraph. 

9.3 We may disclose information about you, including your personal information, to our contractors and suppliers to enable them to [provide services and products to us in relation to the Services, including transaction processing services, hosting services and support services. 

9.4 At your request, we will share your personal information with your representative or any person acting on your behalf (for example, financial advisers, lawyers, attorneys, accountants, executors, administrators, trustees or auditors). 

9.5 We operate our business in New Zealand. We may need to share some of the personal information we collect about you with organisations both inside and outside of New Zealand. Sometimes we may need to ask you before this happens. We may also disclose your personal information if we determine in good faith that disclosure is reasonably necessary to protect our rights and pursue available remedies, enforce our terms and conditions, investigate fraud, or protect our operations or users.

            10. Third-party links

10.1 Our website may contain links to third-party website sources and/or use third party platforms. Some of these links and/ or third party platforms may request or record information from users or use cookies or other methods to collect information from you. We have no control over the content or privacy policy practices of those sites and/or third party platforms and encourage our users to review the privacy policies of those sites and/or third party platforms before engaging in any activity with them.

            11. Security of your personal information

11.1 We will take reasonable technical and organisational precautions to prevent the loss, misuse or unauthorised alteration of your personal information. We may store your information in cloud or other types of networked or electronic storage.

11.2 When you provide us with personal information, that information may be collected, stored and processed on servers located outside of New Zealand. 

11.3 Sensitive information, such as information entered during the registration process, is encrypted using SSL technology.

11.4 Credit card payments are encrypted and processed using an external credit card payment processor and details are not stored by us.

            12. Your Rights

12.1 Without limitation, you have the following rights: 

(a) The right to be provided full information about your personal information that we hold.

(b) The right to require that we correct any incorrect information we hold about you.

(c) The right to ask that we delete or destroy your personal information. Please note that certain conditions may apply to the exercise of this right.

(d) The right to ask that we restrict the use of your personal information. Please note that certain conditions may apply to the exercise of this right.

(e) The right to object to the use of your personal information by us. Please note that certain conditions may apply to the exercise of this right.

(f) The right to receive your personal information in a structured and commonly used format. Please note that certain conditions may apply to the exercise of this right.

12.2 To exercise your rights, or if you require further information about how your personal information is used by us, you can contact us at:

12.3 You can also contact us if you have any questions or complaints about, or if you wish to restrict or object to how we collect, use, disclose, manage or store your personal information. We will respond to your request, where required by law, within one (1) calendar month from the date your request is received. We will inform you if this timeframe is not achievable and extend this timeframe as permitted by applicable law. Subject to applicable law, we may charge a fee to cover the costs of meeting your request if your request is unfounded or excessive.

12.4 If we do not agree to provide you with access to, or to amend or erase, your personal information as requested or otherwise meet your requests, we will notify you accordingly. Where appropriate, we will provide you with the reason(s) for our decision and the mechanisms available to complain about the refusal. If the rejection relates to a request to change your personal information you may make a statement about the requested change and we will attach this to your record.

12.5 In some circumstances, and subject always to legal obligations to the contrary, we may not be in a position to grant access to your personal information or otherwise meet your requests with respect to your personal information.

12.6 We are required to keep your information for so long as is required for our business operations or by applicable laws. 

            13. Opting in and opting out

13.1 If our intended collection, use or disclosure of your personal information is outside the collection, use or disclosure set out in this privacy policy we will give you the option to opt out and not receive certain services or participate in certain interactive areas, or opt in.

13.2 You can also withdraw your consent where provided or object to the further processing of your personal information under certain circumstances. If we refuse any request you make in relation to this right, we will write to you to explain why and how you can make a complaint about our decision. The withdrawal of your consent will not affect processing of your information that you had consented to.

            14. Business transitions

14.1 If in the ownership of all or a portion of Services changes, your user information may be transferred to the new owner so that the Services can continue operations. In this event, your information will remain subject to this privacy policy.

            15. Users outside New Zealand

15.1 The information we collect may be processed in and transferred between your location and New Zealand. New Zealand may not have equivalent information protection laws to those in force in your location.

            16. Changes in privacy policy

16.1 We may occasionally make changes to our privacy policy. We encourage you to review the policy regularly for the latest information on our privacy practices.

            17. Contact details

17.1 If you have any questions about our privacy policy, or any other matter (including a complaint), please feel free to contact us. You can reach us by email: