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This website is provided by Kiwi Invest Investments Limited Partnership (Kiwi Invest) and related organisations including Kiwi Wealth Limited.

This Website Terms of Use explains the terms on which Kiwi Invest provides this Website to you.

In this Website Terms of Use:
  •  Each reference to Kiwi Invest includes our related organisations
  • “Kiwi Invest" is also referred to with the words “we”, “us” and ”our”;
  • “Related organisation” means all organisations that are under the control of Kiwi Group Holdings Limited and includes Kiwi Wealth Limited; and
  • “Website” means our website and any of our online tools, webchat or other online applications including social media.

Website Terms of Use

Application

You agree that your use of this Website indicates your acceptance of this Website Terms of Use and that you authorise us and our related organisations to collect, use and share your information as outlined in the Privacy Statement (link). This Statement also applies to any information collected during your use of our Website(s), even if you do not become a Kiwi Invest customer.

Changes

Technology and financial services are evolving and that may affect how we deal with your information and provide products and services to you. Kiwi Invest may change these terms at any time, please check the website regularly.

New Zealand Law

The information contained on this Website has been prepared under New Zealand law for the supply of our products and services in New Zealand only. The terms and conditions applicable to this Website are governed and construed in accordance with New Zealand law. Unless otherwise stated, references to any currency are in New Zealand dollars.

Disclaimer of financial advice and liability

This Website 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 on 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 Invest or any of its related companies, or any of their directors or employees:
  • accept any liability for the reliance of any person on information contained on this Website; or
  • guarantee the repayment of capital or the performance of any particular rate of return from Kiwi Invest's products and services including the managed investment schemes or the discretionary investment management service.
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 Invest 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.

This statement applies to the products and services that are offered by Kiwi Invest. It applies to any person who interacts with us in relation to our products and services – through the Website or otherwise, and whether or not you become a Kiwi Invest customer.

When you use our services, you agree that we may collect, use, store, and share your personal information as we’ve described in this statement. Any of our products or services you use may have additional privacy terms, which will be advised of and agree to when you sign up for that product or service.

We want you to understand what personal information we collect and store about you when you interact with us, what we will do with that information, and who we might share that information with.

That’s what this statement covers.

We may need to change this statement from time to time, but the latest version will always be available on our website. We will usually give at least 14 days’ notice to customers of any changes to this statement but may not be able to for urgent changes we need to make to protect security or meet law changes. Your continued use of our products, services, websites and tools after the end of the notice period will be treated as your acceptance of the updated statement.

New Zealand privacy law sets out the rules we must follow in collecting, storing, using and sharing any personal information you give us. When we say ‘New Zealand privacy law’, we mean the law in New Zealand that covers personal information that’s in force at the time that you use our services. This includes codes of conduct issued by the Privacy Commissioner that apply to our services to you.

We may collect the following information from you when you use our Website, tools, products or services (including obtaining financial advice).

Your name, address, and contact details (including email address)
  • When: When you sign up to our products or services, request financial advice, or when you otherwise provide it to us (for example, on the contact forms or tools on our website)
  • Why: So that we can identify you, communicate with you, and provide you with information relevant to your needs and our products and services.
Your bank account details
  • When: When you sign up to use our products or services.
  • Why: So that we can identify where and who we’re receiving payments from, and to make payments to you.

Your tax details, including your IRD number, prescribed investor rate (PIR), and resident withholding tax (RWT) rate and any international tax details, such as TIIN

  • When: When you sign up to use our products or services.
  • Why: So that we, and our partners in providing services to you, comply with our tax obligations including under the Automatic Exchange of Information.

Your identity information, e.g. New Zealand passport , a power bill.

  • When: When you sign up to use our products or services.
  • Why: So that we comply with our obligations under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009.
Transaction details (such as your choice of investment fund) and other account and financial information (e.g. salary, investment expectations, occupation). 
  • When: When you make a transaction using our products or services, obtain financial advice from us, or sign up to some of our products or services. 
  • Why: So that we can provide our services to you, personalise those services, assist our software to function, and to comply with legal obligations including under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009
Information relating to your use of the website(s) and tools such as device related information (IP address), activity and pages visited.
  • When: When you use our services
  • Why: So that we can provide our services to you, personalise those services and assist our software function.
Information about your financial goals, assets and liabilities, risk tolerance, general financial situation.
  • When: When you request financial advice from us, or use one of our services or tools.
  • Why: To enable us to provide the service to you. 
Gender
  • When: When you sign up to some of our products.
  • Why: For statistical reporting as required for regulatory purposes. 
Date of birth, or age
  • When: When you sign up to some of our products or services or use our tools. 
  • Why: To identify you, administer our products and provide services to you (such as retirement projections). 
Your voice and/or image
  • When: When we record our interactions with you (having notified you of the recording in advance) e.g. when you call us, seek advice from us, or participate in research for us.
  • Why: For research, training, record-keeping and audit purposes, to ensure accuracy and quality of advice and information and to improve our service and services.

Any personal information we need to collect about you to deliver our products and services, including the above.

  • When: The circumstances described above, and otherwise during your interaction with us. 
  • Why: For the purposes set out in Other Use below, and as otherwise set out in the Statement

Consequences of not providing us information

If you do not provide information we have requested, we may not be able to provide the products or services to you or answer your questions. Please ask if you are unsure what information is important and how this might affect you. The information listed above which is underlined is essential for us to have a business relationship with you. The other information is required for some products and services or functions, but not others.

Other uses

We only use your information in the way described in this statement, or if New Zealand law says it’s fine to do so.

We’ve outlined the specific ways we’ll use your information above.

We might also use your personal information to:

  • Provide, evaluate and improve our service, services and products;
  • Contact or market to you using social media;
  • Contact you regarding incomplete or partial applications for products or services;
  • Protect and enforce our rights as part of our relationship with you;
  • Comply with applicable laws or legal rules;
  • Conduct market research, data processing and statistical analysis activities; and
  • Let you know about offers, accounts, products and services that might be of interest to you (including from our related organisations and selected business partners).However, if you ask us not to provide you this information we will comply with your request.

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.

If we need to use your information for another purpose associated with a particular product or service, and which isn’t directly related to one of the purposes listed above and which you haven’t otherwise authorised us to use your information for, we will contact you to obtain your consent before using your information for that purpose

 

Kiwi Invest will usually gather information from you directly, but sometimes we may collect information about you from other people, such as Kiwibank. We will only collect information about you from other people if we reasonably believe it’s necessary to do so, beneficial to you, or you have authorised us to. Sometimes, we may collect information about other people from you, if you provide that information to us (e.g. in obtaining financial advice, or joint retirement projections). If you do provide us with someone’s personal information, you must make sure you have that person’s authority to do so and you must make sure that person knows that their information may be used by us in the circumstances set out in this statement.

By agreeing to use our products, service or tools, you authorise us to collect information about you from any other 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. This includes Verifi Identity Services Limited, known as Cloudcheck.

You agree that we can share your personal information with:
  • Any person in New Zealand that provides services to or for us or our related organisations and who needs it to assist us with the purposes listed above;
  • Any person overseas that provides services to or for us or our related organisations. We and or related organisations will only engage an overseas person to provide services to us in relation to personal information if we are comfortable they will protect that information in a way that is comparable to NZ privacy law. If we cannot get that comfort, we need to get your authorisation before sharing any of your information with that person.
  • Our related organisations who may also store, use and disclose it in accordance with this statement;
  • Debt collection agencies if you owe us money;
  • Agencies engaged by us to verify customer identity or address information,
  • Organisations conducting market research, data processing and statistical analysis for us;
  • Our assignees or potential assignees;
  • Law enforcement authorities, the courts, government agencies, regulatory authorities or third parties, both in New Zealand and overseas, where we are required to or we believe the disclosure will assist us to comply with any law or legal rules or will assist in the investigation, detection and/or prevention of fraud, money laundering or other criminal offences;
  • Anyone that we need to contact to carry out your instructions to us (including the recipient of any payment);
  • Anyone you authorise us to disclose that information to.
  • When it will be used in a way that can’t identify you;
  • For statistical or research purposes when it won’t be published in a way that could identify you; and
  • In other limited circumstances permitted by New Zealand privacy law.

Your rights of access to and correction of information

We take reasonable precautions 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 New Zealand privacy law we may charge you for this.

If we are not prepared to make the change you seek, you are entitled to ask us to attach a statement of correction to the relevant personal information.

If you would like access to the information we hold about you, please contact us using the details in the Contact Us link on our Website.

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).

Third parties or related entities which hold your information may be subject to laws or legal rules which require them to disclose your information. If they are based overseas that may include overseas laws and rules. Under New Zealand privacy law we are still responsible for the safe keeping of your personal information and we take security of it seriously, so we make sure that anyone we contract to hold information for us takes care to protect it from unauthorised disclosure, loss or misuse and is subject to appropriate privacy laws or complies with other privacy safeguards (such as encryption).

Under New Zealand privacy law, we may only retain your personal information for as long as it may be lawfully used. Even if you have stopped using our products and services, we will usually have legal obligations to retain your information for a period of time. If you would like us to delete your information, please contact us to discuss by using the details in the Contact Us link on our Website.

We may use cookies when you are on our Website. They may be used for security (such as to help us identify you), to provide necessary functionality for our Website, to provide you with personalised features and for tracking traffic to and from, as well as 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).


For further information about Google Analytics click here , and for details of Google's Privacy Policy click here.

Kiwi Wealth Investments Limited Partnership, Kiwi Wealth Limited and Kiwi Investment Management Limited collect and hold your personal information. The head office for each of these entities is Level 13, 20 Balance Street, Wellington.

You can contact any of us by using the ‘Contact Us’ link on any of our Website(s).

Our related organisations Kiwibank Limited and Kiwi Insurance Limited may collect information for us. Their head office is at Level 8, 20 Customhouse Quay, Wellington. You can contact them at https://www.kiwibank.co.nz/contact-us/.

Kiwi Invest holds copyright and other intellectual property rights in our Website(s). The information, images, screens, web pages and logos and brands on our Website(s) may not be displayed or distributed in public in any form (including digital copies) without the express written permission of Kiwi Invest.

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, general information and information about Kiwi Invest and its related companies).

This website may contain links to other websites operated by third parties which are not under the control of Kiwi Invest. Kiwi Invest 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 Invest provides links to you only as a convenience, and the inclusion of any link does not imply endorsement, investigation or verification by Kiwi Invest of the linked site.

In accordance with Internet protocol, we require that you request the permission of Kiwi Invest 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.

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