This privacy policy explains what personal information newzealand-finance.nz collects, why we collect it, who handles it on our behalf and what rights you have. We collect as little as we can. You can read every guide and use every calculator on the site without creating an account or giving us your name.
Last updated: October 2026.
Who is responsible
The website newzealand-finance.nz is represented by the website’s owner, who is responsible for the personal information described in this policy under the Privacy Act 2020. Questions about privacy can be sent through our contact page.
What information we collect
When you visit the site
When your browser loads a page, our hosting and security systems automatically process some technical information. This includes your IP address, browser and device type, the date and time of the request, the page requested and the address of the page that referred you. It is recorded in server logs and used to deliver the site and keep it secure.
When you contact us
If you email us, we receive your email address, your name if you give it, and whatever you write in your message. We use this only to read and answer your enquiry.
Please do not send us bank account numbers, IRD numbers, card details or copies of identity documents. We never need them, and email is not a safe way to share them.
What we do not collect
The site has no user accounts, no comment function and no newsletter. We do not use Google Analytics or any other visitor analytics tool, we do not run advertising networks, and we do not track your behaviour across pages or build a profile of you.
Our calculators do not ask for your name or contact details, and we do not save the figures you enter against any identity.
Why we collect it
We use personal information only for the following purposes:
- to deliver the pages you request and keep the site running reliably
- to protect the site against misuse, attacks and automated abuse
- to reply to messages you send us and to correct errors readers report
We do not sell personal information, and we do not use it for marketing.
Cookies
The site uses only necessary cookies. These come from WordPress, the LiteSpeed Cache plugin that speeds up page delivery, and Cloudflare’s security features, which help tell real visitors from automated traffic. They do not track you or identify you personally, and no consent banner is needed for them.
Our cookie policy explains this in more detail and tells you how to block or delete cookies in your browser.
Service providers that handle information for us
We rely on a small number of third-party service providers. They handle information on our behalf and only for the purposes described here.
- Hetzner – hosts the website on servers in Germany, within the European Union. Server logs containing technical visit information are stored there. See Hetzner’s privacy policy.
- Cloudflare – a company based in the United States that routes traffic to the site, protects it from attacks and caches pages. Requests to the site, including IP addresses, pass through Cloudflare’s network. See Cloudflare’s privacy policy.
- Google Search Console – shows us aggregated data about how the site appears in Google Search, such as search terms and click counts. It does not give us information about individual visitors. See Google’s privacy policy.
Information held outside New Zealand
Because our providers operate in Germany, the wider European Union and the United States, technical information about your visit is processed outside New Zealand. We use established providers that apply their own security and data protection safeguards, and we share no more with them than they need to deliver their service. The Privacy Act 2020 continues to apply to how we handle your information.
How long we keep information
Server and security logs are kept for a limited period and then deleted or overwritten automatically. Emails are kept for as long as we need them to deal with your enquiry and to keep a record of corrections, and are deleted when they are no longer needed.
How we protect information
The site is served over an encrypted HTTPS connection. Access to the website’s administration and to our email is restricted and protected by passwords. No system is completely secure, but we take reasonable steps to guard against loss, misuse and unauthorised access. If a privacy breach caused or was likely to cause serious harm, we would notify the people affected and the Office of the Privacy Commissioner as the Privacy Act 2020 requires.
Links to other websites
Our guides link to banks, lenders, insurers, government agencies and other external sites. Some of these may be referral links. Once you follow a link, the other website’s own privacy and cookie policies apply, and we are not responsible for how that site handles your information.
Children
The site is written for a general audience and is not directed at children. We do not knowingly collect personal information from children. If you believe a child has sent us personal information, contact us and we will delete it.
Your rights
Under the Privacy Act 2020 you have the right to:
- ask whether we hold personal information about you and request a copy of it
- ask us to correct information you think is wrong, or to attach a statement of the correction you asked for if we do not agree
To make a request, use the details on our contact page. We will respond as soon as we reasonably can, and no later than 20 working days after receiving your request. You can also ask us to delete information you have sent us, and we will do so unless we have a lawful reason to keep it.
Complaints
If you are unhappy with how we have handled your personal information, please contact us first so that we can try to put it right. If you are not satisfied with our response, you can complain to the Office of the Privacy Commissioner, New Zealand’s privacy regulator.
Changes to this policy
We update this policy when the way we handle personal information changes, for example if we add a new service provider. The date at the top of the page shows when it was last revised. Our terms of use set out the general conditions for using the site.
