Kiwi Wealth Investments Limited Partnership (formerly known as Gareth Morgan Investments Limited Partnership) and related organisations including Kiwi Wealth Limited.
This Website Terms of Use and Privacy Policy (Policy) explains:
In this Policy:
You agree that your use of this website indicates your acceptance of this Policy and that you authorise us and our related organisations to collect, use and share your information as outlined in this Policy.
If you are a Kiwi Wealth customer we may also seek your agreement to this Policy outside of this website and there may also be other privacy provisions associated with the product or service you have with Kiwi Wealth. We’ll do that in accordance with the Privacy Act 1993.
Where we hold information about you then this Policy may continue to apply to your information even after you are no longer a customer of Kiwi Wealth. This Policy also applies to any information collected during your use of our website(s), even if you do not become a Kiwi Wealth customer.
Technology is evolving and that may affect how we deal with your information and provide products and services to you. Kiwi Wealth may change these terms at any time, please check the website regularly.
The information contained on this website has been prepared under New Zealand law for the supply of these products and services in New Zealand only.
Unless otherwise stated, references to any currency are in New Zealand dollars.
The information is designed to provide general information for New Zealanders only and does not take into account any individual particular circumstances. It is not intended to provide comprehensive or specific investment advice. You should not rely on the information contained in this website solely when making investment decisions and you should obtain professional advice on your individual requirements before making an investment decision.
To the extent permitted by law none of the scheme trustee(s), supervisor(s), Kiwi Wealth or any of its related companies, or any of their directors or employees:
We have made reasonable efforts to ensure that the material presented on this website is accurate and up-to-date, but none of the supervisor(s), Kiwi Wealth or any of its related companies, or any of their directors, nor their employees, accept any responsibility for any error omissions, inaccuracies, or for any loss or damage resulting from reliance on, or the use of the information it contains.
Kiwi Wealth may amend or add to this website at any time without notice.
Kiwi Wealth recognises the importance of protecting your privacy. We comply with our obligations under the Privacy Act 1993 when we handle your personal information.
Kiwi Wealth may need to collect information about you to provide you with products, services and information, to help make them suitable for you and to comply with our legal obligations. The Privacy Act 1993 sets out the rules we must follow in collecting, storing, using and sharing any personal information you give us.
You agree that Kiwi Wealth can collect and use your information for the following purposes:
If you are a citizen of New Zealand or another country we may also have to provide information to a government agency in relation to your tax status to comply with our legal obligations.
From time to time we may need to use your information for another purpose associated with a particular product or service. If so we will take reasonable steps to make you aware of that in accordance with the Privacy Act 1993.
You authorise us (including our related organisations) to collect information about you from any person who can provide us with information that relates to a purpose listed above and is necessary for that purpose. We may make enquiries about any information that you provide to us in order to check the accuracy of the information. This may include providing the information to agencies engaged by us to verify your identity or address information.
You agree that we can share your information with:
Kiwi Wealth will usually gather information from you directly, but sometimes we may collect information about you from other people when it is necessary to provide a particular product or service you request or for us to comply with our legal obligations.
Your rights of access to and correction of information
We will do everything reasonable to ensure that the information we hold about you is accurate, although this does depend on you telling us about any changes that mean the information we hold about you is no longer correct (e.g. your name, address, phone number). You may ask us for access to the information we hold about you and, if necessary, request corrections to it. Under the Privacy Act 1993 we may charge you for this.
If you would like access to the information we hold about you, please contact us.
We may store your information in either physical (documentary) or electronic form, and we may contract a third party or related entity to store it (either in New Zealand or overseas). We take security of your information seriously and we take care to protect it from unauthorised disclosure, loss or misuse. Third parties may be subject to overseas law or legal rules which require them to disclose your information.
Under the Privacy Act 1993, we may only retain your personal information for as long as it may be lawfully used.
Consequences of not providing us information
If you do not provide information we have requested, you may be unable to obtain or access the accounts, products or services for which the information is required. Please ask if you are unsure what information is important and how this might affect you.
If you provide us with your email address, we or any of our related entities may contact you using electronic communications (e.g. email or via the secure log-in areas) in relation to the enquiry you have made. We may also provide you with information about additional products or services offered by us or any of our related entities that we think you may be interested in.
You may elect to not receive electronic communications at any time.
We may use cookies when you are on our website. They may be used for security to help us identify you, to provide you with personalised features and for tracking traffic on our site. Cookies are small pieces of information which can be stored on your hard drive or in memory. The cookies we send to your PC cannot read your hard drive or command your computer to perform any action.
Some of our third party service providers (like those providing live chat or chatbot capability to us) may also use cookies in order to help them provide their services to us.
You can prevent new cookies from being installed and delete existing cookies. The procedure depends on which browser you are using. For information on how to remove cookies check your internet browser. You may be unable to log on to our secure services without accepting our cookies.
To improve our website(s), we may use patterns and other meaningful information gathered from web analytics tools (including ‘cookies’ and Google Analytics) to measure your usage of our website(s). This may include traffic to, from and within our website(s), your mouse click activity, your IP address, and other personal information that you voluntarily enter into the website(s). All information collated by these web analytics tools is to help us better understand usage of our website(s). No individual visitors are identified, and no information is collected that is identifiable to individuals from these tools.
For further information about Google Analytics click here, and for details of Google's Privacy Policy click here.
Kiwi Wealth holds copyright and other intellectual property rights in this website. The information, images, screens, web pages and logos and brands on this website may not be displayed or distributed in public in any form (including digital copies) without the express written permission of Kiwi Wealth.
You may not use or permit use of any part of this site for any purpose other than that intended (which is the provision to you of fund information, and information about Kiwi Wealth and its related companies).
This website may contain links to other websites operated by third parties which are not under the control of Kiwi Wealth. Kiwi Wealth is not responsible for, and makes no representations, warranties or conditions concerning, the contents of any linked site or any link contained in a linked site. Kiwi Wealth provides links to you only as a convenience, and the inclusion of any link does not imply endorsement, investigation or verification by Kiwi Wealth of the linked site.
In accordance with Internet protocol, we require that you request the permission of Kiwi Wealth to link to this site. If you would like to link to this site please contact us.
The terms and conditions applicable to this website are governed and construed in accordance with New Zealand law.
We may also use CCTV cameras to record footage at our offices for security and safety purposes. Recorded footage may constitute personal information under the Privacy Act 1993. The footage will be used to detect and deter criminal behaviour in our workplace. Signage advising of such equipment will give notice of the areas covered.
If you are recorded by our cameras, you have the right to access that footage so long as it relates to you and is reasonably accessible. CCTV footage will usually be retained for a period of 30 days, after which time it will usually be deleted.
I may ask my bank to reverse a direct debit up to 120 calendar days after the debit if:
I may ask my bank to reverse a direct debit up to 9 months after the date the initiator sent the first direct debit under the authority if I am not reasonably satisfied that the authority authorised my bank to debit my account with the amount of the direct debit.
The initiator is required to give you a written notice of the amount and date of each direct debit no less than 2 business days before the date of the debit.
For a series of direct debits, the initiator is required to give a written notice of the amount and date of each direct debit, including the first direct debit in a series, of no less than 10 calendar days. The notice is to include:
If the initiator proposes to change an amount or date of a direct debit specified in the series, the initiator is required to give you notice no less than 30 days before the change.
If the bank dishonours a direct debit but the initiator sends the direct debit a second time within 5 business days of the original direct debit, the initiator is not required to notify you a second time of the amount and date of the direct debit.
