This page tells you the terms of use on which you may make use of our website www.GBPensions.co.nz (“our website”). Please read these terms of use carefully before you start to use the website. By using our website you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our website.

Information about us 
Our website is operated by GBPensions Limited (hereinafter “GBP”). GBP is a registered company in New Zealand under the company registration number 4100560 and its registered office at Albany Chartered Accountants Ltd, Mercari Business Centre, 15 Mercari Way, Albany, Auckland, 0752, New Zealand.  Physical address is Building 1, Unit C, 2B William Pickering Drive, Rosedale, Auckland 0632.

Accessing our website
Access to our website is permitted on a temporary basis and GBP reserves the right to withdraw or amend the service provided on our website without notice (see below). GBP will not be liable if for any reason our website is unavailable at any time or for any period. You are responsible for ensuring that all persons who access our website through your internet connection are aware of these terms, and that they comply with them.

Intellectual property rights 
By using our website you acknowledge that GBP is the owner and/or the licensee of all intellectual property rights in our website and in the material published on it. Those works are protected in part by copyright, trademark and design laws along with treaties around the world. All such rights are reserved. You may print off one copy, and may download extracts, of any page(s) from our website for your personal use. You may not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you may not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. Our status and that of any identified contributors as the authors of material on our website must always be acknowledged. You may not use any part of the materials on our website for commercial purposes without obtaining a prior written license or consent to do so from GBP. If you print off, copy or download any part of our website in breach of these terms of use, your right to use our website will cease immediately and you must, at our request, return or destroy any copies of the materials you have made.

Reliance on information posted
Commentary and other materials posted on our website are not intended to amount to advice on which reliance should be placed. GBP therefore disclaims all liability and responsibility arising from any reliance placed on such materials by any visitor to our website, or by anyone who may be informed of any of its contents.

Our website changes regularly 
We aim to update our website regularly, and may change the content at any time. If the need arises, we may suspend access to our website, or close it indefinitely. Any of the material on our website may be out of date at any given time, and GBP is under no obligation to update such material.

Our liability 
The material displayed on our website is provided without any guarantees, conditions or warranties as to its accuracy and currency. To the extent permitted by law, we, and third parties connected to us, hereby expressly exclude conditions, warranties and other terms which might otherwise be implied by statute or any applicable law. GBP does not accept any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our website or in connection with the use, inability to use, or results of the use of our website and any websites linked to it and any materials posted on it.

This does not affect any liability which cannot be excluded or limited under applicable law.

Information about you to our website 
By using our website, you consent that GBP may process information about you in accordance with our Privacy Policy and you warrant that all information provided by you to the website is accurate. Uploading your personal information to our website will be considered confidential and will not be passed on to third parties without your express approval.

Viruses, hacking and other offences 
You must not misuse our website by knowingly introducing viruses, Trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of service attack. GBP does not endorse nor is responsible for any opinion, advice, information or statements made by third parties posted on the website. In the event of an apparent breach (in our opinion, which is final) your right to use our website will cease immediately. GBP will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any material posted on it, or on any website linked to it.

Linking to our website 
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part except with our prior written approval. You must not establish a link to our website from any website that is not owned by you. Our website must not be framed on any other website, nor may you create a link to any part of our website other than the home page. GBP reserves the right to withdraw linking permission without notice. The website from which you are linking must comply in all respects with our terms of use. If you wish to make any use of material on our website other than that set out above, please address your request to the GBP contact person for this website: transfers@gbpensions.co.nz

Links from our website 
Where our website contains links to other websites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those websites or resources, and accept no responsibility for them or for any loss or damage that may arise from using them.

Jurisdiction and applicable law 
The New Zealand courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to our website, although we retain the right to bring proceedings against you for breach of these terms of use in your country of residence or any other relevant country. These terms of use and all disputes under or in relation to them or your use of our website are governed by New Zealand law.

Access outside New Zealand
GBP is a New Zealand regulated business under relevant New Zealand laws and regulations. If you are accessing this website from outside New Zealand any relevant protections as noted may not apply to you.

Cookies
GBP and our online service providers use cookies. These are used in analysing visits and to administer the site, tracking users’ movements around the site and to gather demographic information about our user base as a whole in order to improve the web experience for our viewers.

We use cookies for a number of purposes such as widgets to enable the site to offer a pleasant user experience. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited.

This site host uses Local Storage Objects (LSOs) such as HTML5 technologies to store content information and preferences.

Web Analytics
We use Google Analytics to anonymously measure activity across our online platform. Google Analytics records information about visitors and what they do which we use to improve the visitor experience on or website.

Tracking and Advertising
GBP works with third parties, including advertising and tracking companies (such as Google Adwords) to deliver advertising on third party websites and monitoring of GBP advertising and associated websites.

The advertising and tracking companies use cookies to collect information such as:

• The device/browser used
• Date and time of visits
• Advertising you see
• How you use the website

The advertising and tracking companies use this information to perform statistical analyses of aggregate user behaviour, but those analyses are not based on personal information. GBP uses these analyses to track our website and marketing performance and to offer more relevant advertising and content on third party websites.

Some third party advertising vendors, such as Google, allow you to adjust your preferences if you don’t want to receive advertising provided by them online. For more information, click on the “ad choices options” on the advertising you see, or visit the Network Advertising Initiative.

What is personal information?

Personal information is information about an identifiable individual. It includes information that could be used to identify you, such as your name and contact details. If the information we collect personally identifies you, or you are reasonably identifiable from it, the information will be considered personal information.

If you choose to use our service, then you agree to the collection and use of information in relation with this policy. The personal information that we collect is used for providing and improving the service.

Purpose

The purpose of this privacy policy is to let users of gbpensions.co.nz know when we collect personal information and what we do with it.

Collection of your personal information

We collect your personal information directly from you unless it is unreasonable or impracticable to do so. When collecting personal information from you, we may collect it in various ways, including:

• Through your access and use of our website
• By telephone, letter, fax or email
• During conversations between you and our representatives
• Via social media platforms, such as Facebook, LinkedIn and Instagram
• By contracting with us or completing relevant forms
• By entering competitions, promotions or requesting information or material from us
• Completing surveys, providing feedback or complaining to us

In some circumstances information may also be collected from third parties where:

• You authorise the collection of information from a third party which may be your representatives such as a lawyer, accountant or employer; and
• The information is already publicly available; and
• Collection is necessary to enforce the law, or for court proceedings, or to protect public revenue.

Terms of use

You can use the site including completing user research tasks without disclosing any personal information.

For what purposes do we use your personal information?

We use your personal information to:

• Provide products and services to you and to send communications requested by you.
• Answer enquiries and provide information or advice about existing and new products or services.
• Assess the performance and improve the operation of our website.
• Assist with the administrative, marketing (including direct marketing), planning, product or service development, quality control, survey and research purposes of GBPensions Limited, related bodies corporate, contractors or service providers.
• Update our records and keep your contact details up to date.

Secondly, if you do decide to deal with GBPensions Limited to assist with your pension transfer/s and investment recommendations, other personal details are collected, such as details of your current pensions schemes, detailed personal information and other details relevant to the pension transfer/s and investment recommendations. This allows the correct documentation and process to take place for the transfer of your pension. GBPensions Limited may also collect publicly available information about you, for example, from websites and telephone directories.

Your disclosure of personal information

In order to comply with laws and regulations, including any New Zealand or overseas laws, rules or regulations, we may use and share your personal information with a range of organisations, including:

• Authorities, such as regulators
• Government agencies
• Courts or the police
• External dispute resolution schemes
• Suppliers and services that may be required to administer our relationship with you, such as IT systems administrators, mailing houses, couriers, payment processors, debt collectors
• Professional advisors, such as lawyers, accountants, financial advisers, bankers and other consultants relating to the services provided to you
• People of organisations that you expressly give permission to share your personal information with

Links to other sites

Our service may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the privacy policy of these websites. We have no control over, and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

Statistical information and cookies

We may collect statistical information about your visit to help us improve our website. This information is aggregated and does not identify you personally. It includes:

• Your IP address
• The search terms you used
• The pages you visited on our site and the links you clicked on
• The date and time you visited our site
• The referring site (if any) from which you clicked through to our site
• Tour operating system, for example Windows XP, Mac OS X
• The type of web browser you use, such as Internet Explorer, Chrome or Mozilla Firefox
• Other things, like your screen resolution and the language setting of your browser

This site generates persistent session cookies (that is, they have an expiry date and are removed on that date) for the purpose of monitoring site usage. The cookies don’t collect personal information. You can disable them or clear them out of your web browser without affecting your ability to use the site.

Use of statistical information

The statistical information referred to above can be viewed by site administrators and certain other analysis personnel contracted to GBPensions Limited.

Storage of personal information

We may hold your personal information in electronic formats or in hard copy at our offices as noted on the website OR at premises outside our offices, including data storage facilities or online storage located within or outside New Zealand, which may be operated by independent service contractors.

Where your personal information is transferred outside New Zealand we will ensure the intended recipient has provided appropriate safeguards and that requisite rights and remedies in relation to the personal information remain available, or we will obtain your explicit consent for the transfer.

Management of personal information

We take reasonable steps to securely store your personal information to ensure it is protected from unauthorised access, modification and disclosure, and from other types of misuse, interference and loss. This includes electronic and physical security measures and procedures, staff training and use of password protection software.

We will take reasonable steps to destroy or permanently de-identify your personal information when we no longer require it for any purpose for which it was collected. We may retain your personal information for as long as necessary to comply with any applicable law, for legal, insurance and corporate governance purposes, for the prevention of fraud and to resolve disputes. Your personal information may also be retained in our IT system back-up records.

The transfer of data over the Internet is inherently insecure. We cannot guarantee the security, during transmission, of any personal information provided to us via our websites. Please bear this in mind when transmitting information by this means to us.

Correcting your personal information

Your rights

Under the Privacy Act 2020, you have the right to access and ask us to correct any of your personal information provided to us in connection with your use of this site.

Contact us if:

• You would like to see or change your personal information we have stored, or
• You have any concerns regarding your privacy.

We may require proof of your identity before being able to provide you with any personal information.

Under the Privacy Act 2020, we may be permitted to charge you a reasonable fee for providing access to your personal information. Please note that no fee will be incurred for requesting access, and, if your request for access is accepted, we will inform you of the fee (if any) that will be payable for providing access if you proceed with your request.

Contact our privacy officer at:

compliance@gbpensions.co.nz

tel: +64 (0)9 414 2089

If you have a privacy complaint

If you are not satisfied with our response to any privacy-related concern you may have, you can contact the Privacy Commissioner.

Contact details for the Office of the Privacy Commissioner can be found at:

https://www.privacy.org.nz/about-us/contact/

Applicable law

This privacy policy is governed by New Zealand law. Your personal information will be collected, used, stored, shared and retained in accordance with this privacy policy and New Zealand law. The courts of New Zealand have non-exclusive jurisdiction.

Updating

We reserve the right to update this privacy policy at any time and for any reason, so we encourage you to make sure that you are familiar with the current version of our privacy policy. Any change we make applies from the date the updated privacy policy is posted on our website.