1. Collection of Information

1. 1. Information collected through our website may include personal information about you (including identifiers, as set out in section 2 below). For example, personal information may be:
      1. Provided by you through registration on our website.
      2. Provided to us by you through any other method (such as by email and through discussions).
   2. Failure to provide necessary personal information when requested may result in certain services not being available to you. 
   3. We may also collect aggregated information generated by our systems, which tracks traffic to our website but does not relate to you personally.

2. Identifiers

3. Other Information 

4. Use of Information

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

1. 1. 1. To verify your identity for use of our website, to conduct address verification or credit checks for invoicing and billing purposes and to enrich your profile and search ability;
      2. To assist in providing better services to you by tailoring the services to meet your needs;
      3. To provide you with further information about us or other websites or products or services offered by us or our related companies or which we consider may be of interest to you; 
      4. To carry out marketing, promotional and publicity activities (including direct marketing), market research and surveys;
      5. To keep our website relevant and of interest to users;
      6. To show you advertising and information that is most relevant to you and your interests;
      7. To assist in arrangements with other organisations (such as loyalty program partners) in relation to a product or service we make available to you;
      8. 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);
      9. To comply with legal and regulatory requirements; 
      10. 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
      11. For any other purpose which is stated to you at the time of collection or that you otherwise authorise.

5. Information Sharing and Disclosure 

1. 1. We will not disclose personal information we collect from you through our website other than as set out in this privacy policy or as otherwise agreed with you;
   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;
   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 our website, including transaction processing services, hosting services and support services;
   4. Information collected through our website that does not identify users (cleansed data) is owned by us and may be disclosed by us. We may share aggregated demographic information about our user base with our affiliates, partners and advertisers;
   5. At your request, we will share your personal data with your representative or any person acting on your behalf (for example, financial advisers, lawyers, attorneys, accountants, executors, administrators, trustees or auditors);
   6. 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 data 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.

6. Advertising and Third-Party Links

7. Security of your Personal Information 

8. Your Rights 

1. 1. Without limitation, you have the following rights: 
      1. The right to be provided full information about your personal data that we hold.
      2. The right to require that we correct any incorrect information we hold about you.
      3. The right to ask that we delete or destroy your personal data. Please note that certain conditions may apply to the exercise of this right.
      4. The right to ask that we restrict the use of your personal data. Please note that certain conditions may apply to the exercise of this right.
      5. The right to object to the use of your personal data by us. Please note that certain conditions may apply to the exercise of this right.
      6. The right to receive your personal data in a structured and commonly used format. Please note that certain conditions may apply to the exercise of this right.

9. Opting in and Opting out

1. 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.
   2. You can also withdraw your consent where provided or object to the further data processing of your personal data 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.

10. Business Transitions

11. Users outside New Zealand

12. Changes in Privacy Policy 

13. Contact Details