Privacy Policy

This Privacy Policy explains how we may collect, hold, use and disclose information that identifies an individual (referred to as personal information).

If you would like to contact us in relation to this Privacy Policy or our use of your information, please email us at the details set out in the Contact Us section below

We may update this Privacy Policy at any time by posting an updated version of this Privacy Policy on our website. The updated version of this Privacy Policy will take effect immediately upon such notice and automatically apply to all personal information that we hold about you (or that you have provided to us or authorised us to collect). You are responsible for reviewing this Privacy Policy regularly to ensure that you are aware of any updates. If any updates are material, we will also take additional steps to bring the changes to your attention, including by notifying you directly.

This Privacy Policy applies in addition to, and does not limit, our rights and obligations under the Privacy Act 2020 (as amended or replaced from time to time) (Privacy Act) or any specific authorisation that you provide to us when you interact with us or use our products and services.

You are not required to provide us with any personal information that we request. However, if you do not do so, we may not be able to provide certain products and services to you.

The personal information we collect will vary depending on the services that you use, and your interactions with us. For example, we may collect your:

• contact information, such as your name, address, telephone numbers and e-mail addresses

• identity information, such as your date of birth

• information relating to your relationship with us and the products and services we have supplied to you

• feedback that you provide

• any other personal information that you provide to us when you use our website or

  communicate with us.

We generally collect your personal information directly from you. We may also collect information using cookies (see further detail below).

If we provide products or services to you on credit terms, or you submit a credit application to us, we may use the services of credit reporters and debt collection agencies. We may provide your personal information to those agencies in order to use their services. Information disclosed to credit reporters (including default information) will be held by them and used to provide their credit reporting services.

We may also collect your personal information from a third party if you authorise us to do so(where you are authorised by the individual concerned to provide their personal information to us)or where we are required or permitted to do so by applicable law.

If you provide us with, or authorise use to collect, personal information about another person (such as your representatives or guarantors), you confirm that they have authorised you to provide us, or authorised us to collect, their personal information in accordance with this Privacy Policy and that you have informed them of their rights to access their personal information, as set out below.

When you visit our website, view our emails or interact with our advertising, we and our service providers may automatically collect information about your use of and access to our Website and the device used. We may collect this information through a variety of tracking technologies, including cookies, flash objects, web beacons and similar technology. This information may be combined with personal information we collect directly and may be used to improve, enhance and personalise your experience, monitor and improve our sites and applications and for other internal purposes.

If you prefer not to accept cookies, most browsers will allow you to change your browser settings to disable existing cookies, automatically request cookies or to notify you when you receive a cookie. However, if you disable, modify, or reject cookies, some parts or functionalities of our sites may be inaccessible or not function properly. For example, disabling cookies may require you to repeatedly enter information to take advantage of services

We may use your personal information for the purpose for which it is collected, for reasonably expected related purposes and in any other circumstances authorised by the Privacy Act 2020.

For example, we will use and disclose your personal information for the following purposes:

• to manage our relationship with you – including providing you with products or services that you have requested, for the performance of our obligations or exercise of our rights under our agreement with you (including, if applicable, undertaking credit checks (refer to section 6 above) and registering security interests), managing your account on our Website, responding to communications from you and updating you about our products and services;

• for the general operation of our business - including to comply with our legal and regulatory obligations and record keeping practices;

• to send you marketing information about our products or services and products and services that we think may be of interest to you (unless you have opted out of receiving marketing communications).

We may also use any information that we collect in connection with the products and services, in accordance with applicable law, to improve our products and services, for statistical and research purposes, and for general information purposes including to provide industry and market insights. Any information that we disclose or publish will be in a fully aggregated and de-identified form (to ensure that it does not identify any individuals).

If you opt-out from receiving marketing emails, we may still send you non-promotional emails such as emails about your purchases, responses to your requests and enquiries and notices of any updates to our relevant terms and this Privacy Policy.

We may share your personal information with the following parties

• our related companies from time to time (who may use it for the purposes set out above);

• credit reporters (if applicable in accordance with section 6 above);

• any other party authorised by you or to whom we are required or authorised to disclose

  personal information in accordance with applicable law.

We rely on you to ensure that the personal information we hold is accurate and up to date. To assist us in this, you need to provide accurate, current and complete information to us and update us if your details change.

Security of your personal information is very important to us. We will take reasonable technical and organisational precautions to protect personal information that we hold. However, due to the inherent nature of the internet, we are not able to guarantee the security of any information that we hold or transmit.

Personal information that we collect is either held by us at our head office or on our behalf by a group company or cloud services provider.

Under the Privacy Act, you have the right to access and request correction of any personal information that we hold about you. Please refer to the Contact Us section below.

If you have any questions about this Privacy Policy or our privacy practices, please contact us using the Contact Us details on our website OR email us on support@hq.net.nz.