Privacy Policy

INTRODUCTION

IPromise Limited complies with the New Zealand Privacy Act 2020 (the Act) when dealing with personal information. Personal information is information about an identifiable individual (a natural person).

This policy sets out how we will collect, use, disclose and protect your personal information. This policy does not limit or exclude any of your rights under the Act. If you wish to seek further information on the Act, see www.privacy.org.nz.

CHANGES TO THIS POLICY

We may change this policy by uploading a revised policy onto the app and the website, as applicable (at app.ipromise.co.nz and ipromise.co.nz, respectively). The change will apply from the date that we upload the revised policy. This policy was last updated on 7 June 2022.

WHO DO WE COLLECT YOUR PERSONAL INFORMATION FROM

We collect personal information about you from:

you, when you provide that personal information to us, including via the website, via the app, through any registration or subscription process, through any contact with us (e.g. text, call or email), and when you buy or use our services and products.
third parties where you have authorised this or the information is publicly available.

HOW WE USE YOUR PERSONAL INFORMATION

We will use your personal information:

Via our App:

to verify your identity via your name, phone number, address, date of birth and identity documents, including of any owner of you (if relevant)
to assess your application for our services and provide you with the relevant services
to manage, administer and improve the services and products that we provide to you
to develop new services and products
to market our services and products to you, including contacting you electronically via email
and/or text
to undertake credit checks of you
to manage our relationship with you
to bill you and to collect money that you owe us, including authorising and processing credit
card transactions
in utilising app analytics tools
to conduct marketing and product research and statistical analysis (on an anonymised basis)
to protect against fraud
to comply with our obligations under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009
to protect and/or enforce our legal rights and interests, including defending any claim
for any other purpose authorised by you or the Act.

Via our Website:

to respond to communications and queries from you
in utilising website analytics tools
to assist with marketing our products and services to you
to improve our services or products
for any other purpose authorised by you or the Act.

DISCLOSING YOUR PERSONAL INFORMATION

When you use our app, we may disclose your personal information to:

third parties that supports our services and products, including Bank of New Zealand (trust
account provider), Windcave (payment solutions provider),
any person that supports our services or products or hosts or maintains any underlying IT
system or data centre that we use to provide the app or other services and products
a credit reference agency for the purpose of credit checking you
Financial Services Complaints Limited should you require this service
a person who can require us to supply your personal information (e.g., a regulatory authority)
any other person authorised by this Act or another law
any other person authorised by you
another company within our group
other third parties (for anonymised statistical information)

When you use our website, we may disclose your personal information to:

third parties that supports our services and products, to best respond to any communications or
queries from you
any other person authorised by this Act or another law
any other person authorised by you
another company within our group
other third parties (for anonymised statistical information)

A business that supports our services and products may be located outside New Zealand. This may mean your personal information is held and processed outside New Zealand.

PROTECTING YOUR PERSONAL INFORMATION

We will take reasonable steps to keep your personal information safe from loss, unauthorised activity,
or other misuse.

ACCESSING AND CORRECTING YOUR PERSONAL INFORMATION

We will take reasonable steps to ensure that your information is accurate, up to date, complete and not misleading.

Subject to certain grounds for refusal set out in the Act, you have the right to access your readily retrievable personal information that we hold and to request a correction to your personal information. Before you exercise this right, we will need evidence to confirm that you are the individual to whom
the personal information relates. In respect of a request for correction, if we think the correction is reasonable and we are reasonably able to change the personal information, we will make the correction. If we do not make the correction, we will take reasonable steps to note on the personal information that you requested the correction.

If you want to exercise either of the above rights, email us at [email protected] Your email should provide evidence of who you are and set out the details of your request (e.g. the personal information, or the correction, that you are requesting). We may charge you our reasonable costs of providing to you copies of your personal information or correcting that information.

INTERNET USE

While we take reasonable steps to maintain secure internet connections, if you provide us with personal information over the internet, including via our app, the provision of that information is at your own risk.

If you follow a link on our website to another site, the owner of that site will have its own privacy policy relating to your personal information. We suggest you review that site’s privacy policy before you provide personal information.

COOKIES

We use cookies (an alphanumeric identifier that we transfer to your computer’s hard drive so that we can recognise your browser) to monitor your use of the website. You may disable cookies by changing the settings on your browser, although this may mean that you cannot use all of the features of the website.

CONTACTING US

If you have any questions about this privacy policy, our privacy practices, or if you would like to request access to, or correction of, your personal information, you can contact us at [email protected]