Privacy Policy

1. Introduction

KiwiSaverComparison.co.nz is committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 2020 (New Zealand) and the Information Privacy Principles set out in that Act.

This Privacy Policy explains how we collect, use, store, disclose, and protect your personal information when you use our website and services.

2. Information We Collect

We collect information you provide directly to us, such as when you create an account, use our services, or contact us:

• Account information (name, email address, password)
• Portfolio and investment preferences you choose to share
• Communications you send to us
• Survey responses and feedback

We also collect information automatically when you use our website:

• Device information (browser type, operating system)
• IP address and approximate location
• Pages visited and time spent on pages
• Referral source and search terms
• Cookies and similar tracking technologies (see Section 7)

3. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our services
• Personalise your experience and content
• Send you technical notices and support messages
• Respond to your comments, questions, and requests
• Communicate with you about products, services, and events (with your consent)
• Analyse usage patterns and improve our platform
• Detect, investigate, and prevent fraudulent or illegal activities
• Comply with legal obligations

4. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share information in the following circumstances:

• Service Providers: With trusted third-party service providers who assist us in operating our website, conducting business, or servicing you, provided they agree to keep this information confidential
• Legal Requirements: When required by law, court order, or governmental authority
• Protection of Rights: To protect our rights, privacy, safety, or property, or that of our users or others
• Business Transfers: In connection with a merger, acquisition, or sale of assets, where your information may be transferred as a business asset

If you click through to a KiwiSaver provider's website via our site, that provider's privacy policy will apply to any information you provide to them.

5. Cross-Border Data Transfers

We use cloud-based services which may store data on servers located outside New Zealand. When we transfer personal information overseas, we take reasonable steps to ensure the recipient protects your information in a manner consistent with the Privacy Act 2020. Our primary service providers are based in jurisdictions with comparable privacy protections, including Australia and the United States (where providers are certified under applicable data protection frameworks).

6. Data Retention

We retain your personal information only for as long as necessary to fulfil the purposes for which it was collected, including:

• Account information: Retained while your account is active, and for up to 2 years after account closure for record-keeping purposes
• Communication records: Retained for up to 2 years
• Analytics data: Aggregated and anonymised data may be retained indefinitely
• Legal compliance: Longer periods where required by law

You may request deletion of your personal information at any time (see Section 8).

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our platform. These include:

• Essential cookies: Required for the website to function properly
• Analytics cookies: Help us understand how visitors interact with our website (e.g., Google Analytics)
• Preference cookies: Remember your settings and preferences
• Marketing cookies: Used to track visitors across websites to display relevant advertisements

You can control cookie preferences through your browser settings, though some features may not function properly if cookies are disabled. Most browsers allow you to refuse cookies or alert you when cookies are being sent.

8. Your Rights Under the Privacy Act 2020

Under the Privacy Act 2020, you have the right to:

• Access: Request access to the personal information we hold about you
• Correction: Request correction of any inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal retention requirements)
• Opt-out: Opt out of marketing communications at any time
• Complaint: Lodge a complaint with the Office of the Privacy Commissioner if you believe we have breached the Privacy Act

To exercise any of these rights, please contact us using the details in Section 11. We will respond to your request within 20 working days as required by the Privacy Act 2020.

9. Data Security

We implement appropriate technical and organisational security measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. These measures include encryption, secure servers, and access controls. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

10. Privacy Breaches

In accordance with the Privacy Act 2020, if we experience a privacy breach that poses a risk of serious harm to affected individuals, we will notify the Office of the Privacy Commissioner and the affected individuals as soon as practicable. We maintain procedures to detect, assess, and respond to privacy breaches.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last updated" date. We encourage you to review this page periodically for the latest information on our privacy practices.

12. Contact Us and Privacy Officer

If you have any questions about this Privacy Policy, wish to exercise your privacy rights, or have concerns about how we handle your personal information, please contact our Privacy Officer:

Email: privacy@kiwisavercomparison.co.nz

If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner:

Website: www.privacy.org.nz
Phone: 0800 803 909