This Privacy Policy sets out how My Refund Limited collects, stores, uses and discloses your personal information in accordance with our privacy obligations under the Privacy Act 2020.  It also sets out your rights to access, correct and delete personal information held about you by us.  This Privacy Policy applies to any information we have collected from you and any further information we may collect.

In this Privacy Policy, when we say:

• “personal information”, we mean identifiable information about you, such as your name, email address, address, telephone number and so on;
• “My Refund”, “we”, “us”, or “our”, we mean My Refund Limited and all websites, brands, and trading names operated by us, including taxrefund.co.nz, nztaxrefund.co.nz, refundcheck.co.nz and myaccountant.co.nz;
• “Wolfbrook Entity”, we mean Wolfbrook Ventures Holdings Limited or its related entities¹ from time to time, and “Wolfbrook Entity” means any one of these companies; and
• “you”, we mean you, the reader of this Privacy Policy.

By accessing our Privacy Policy and continuing to engage with us, you agree to the terms of this Privacy Policy.

We may occasionally make changes to this Privacy Policy or alter our website functionality.  Any updated Privacy Policy will be on our website.  It is your responsibility to check this Privacy Policy periodically for changes.

By continuing to access our website or engage with us following notification of any changes to this Privacy Policy, you accept the changes to the Privacy Policy.

If you do not agree with any aspect of our Privacy Policy, please notify us immediately.

If you provide details of any other individuals (for example, your partner and/or dependents) to us, you confirm that you have their consent to provide us their personal information.

What information we collect, why we collect your information, and who we share your information with

If you engage with us to explore our income tax advisory services:

• We may collect your personal information, including your contact details (e.g. name, address, email address etc.); personal details (e.g. date of birth, driver’s licence or other photo ID, IRD number, bank account details); information relevant to your tax position (e.g. income, family situation, expenses, donations, interest payments); and your IP address at the time you submit an application on our website.
• We collect this information so that we can verify your identity; enable us to act as your tax agent and provide our services to you; assess your tax position and entitlements, and arrange payment of any tax refunds owing to you; communicate with you about the status of your application (including offering support if you have started but not completed an application); monitor website traffic and user behaviour; and providing you with information about our services and other offers we believe may be relevant to you.
• We may share your personal information with third parties including Inland Revenue; identity verification service providers; third party debt collection agencies; insurance and utility providers; lenders we have a relationship with; and third party consultants such as designers, builders, surveyors, real estate agents, and valuers.  However, to the extent that we obtain personal information directly from a credit reporting agency, we will only use and disclose that information for the specific purposes for which it was obtained, unless otherwise permitted by law.

Additional terms about the purposes for collecting your personal information and how we use it

We may also collect and share your information with Wolfbrook Entities for the purposes of referring you to, and/or promoting, the services offered by those Wolfbrook Entities (with your consent, you may be contacted by us or another Wolfbrook Entity for these purposes).

Except as otherwise stated in this Privacy Policy, we may also disclose personal information about you when we reasonably believe that disclosure is necessary to protect our rights, or to protect your safety or the safety of others, to comply with any applicable law, regulation, legal process or governmental request, to enforce our agreements, policies and terms, to protect the security or integrity of our website and our related services, if we are selling, assigning or transferring any of our assets or business, or if it is necessary and appropriate to facilitate the purpose for which your personal information was collected (or a directly related purpose).

If you do not provide us your information

Your provision of information to us is entirely voluntary.  However, if you do not provide us the information we ask for, we may not be able to provide some or all of our services to you.

How we collect information

We will mostly collect personal information directly from you.

We may also obtain your personal information from Inland Revenue, a Wolfbrook Entity or a third party where relevant to the services we provide to you (to avoid you having to provide the same information multiple times), where you have indicated to a Wolfbrook Entity or third party that you are interested in our products or services or would like to hear from us, and where otherwise allowed under the Privacy Act 2020.

Some information about your computer and internet access, and your preferences, may be collected by us through click tracking in relation to your use of our website, including the tracking of the content you access, and/or log files or third-party cookies.

Credit Information

We may collect and use credit-related information about you from credit reporting agencies such as Equifax. This information may include your credit history, identity verification data, and other information held by those agencies.

We use this information for the purposes of:

• verifying your identity;
• assessing eligibility for our services;
• preventing fraud or misuse of our services; and
• complying with legal and regulatory requirements.

Where required, we will obtain your consent before accessing your credit information.

Identity Verification and Credit Information (Equifax)

In addition, we may use third-party identity verification and credit reporting agencies, including Equifax New Zealand Information Services and Solutions Limited (“Equifax”), to verify your identity and assess information relevant to the services we provide.

By providing your personal information to us, you authorise us to disclose your information to Equifax for these purposes and to obtain information about you from Equifax. You acknowledge that Equifax is a credit reporting agency and may retain that information on its systems and use it to provide credit reporting services to us and to other customers of Equifax.

This may include credit-related information held by Equifax, which will be used solely for identity verification, fraud prevention, and service eligibility assessment purposes.

Equifax may also disclose information it holds about you to its other customers for the purposes of credit reporting.

We will not use or disclose this information for unrelated purposes without your consent, unless permitted by law.

Website tracking systems

When you visit our website, we track your access information, and ask you to install “cookies”.  These are small text files placed on your computer to remember your website settings (such as which language you select).

Your web browser settings allow you to remove or disallow these cookies.

Information about access to our website may be sent to Google Analytics, and processed by Google to allow us to track use of our website. You can learn more about Google Analytics at http://tools.google.com/dlpage/gaoptout.

How we store your information

The personal information we collect is stored on our servers.  We may also store your information in the Cloud or other types of networked or electronic storage, and engage third parties to perform data processing services or tracking services on our behalf.

We will take reasonable technical and organisational precautions to prevent the loss, misuse or unauthorised alteration of your personal information, and to ensure that third parties keep your information secure.  However, due to the inherent security risks of email and the internet, we cannot guarantee the security of your personal information submitted over the internet.

Your personal information may be collected, stored and processed on servers located outside of New Zealand.  As electronic or networked storage can be accessed from various countries via an internet connection, it is not always practicable to know in which country your information may be accessed or held.

Our third-party providers based in countries outside New Zealand may not be required to protect your personal information in accordance with the protections under the Privacy Act 2020.  We will take all reasonable steps to ensure that those third parties do not access or use your personal information for any purpose other than the data storage and data processing services they provide to us.

We will keep your personal information for as long as we are using it, or as required by applicable laws.

Your Rights

You have the right to ask for a copy of any personal information we hold about you, and to ask for it to be corrected if you think it is wrong.

You can find out more about your rights, and how to make a complaint, at www.privacy.org.nz.

Electronic marketing and unsubscribe option

As noted above, we may share your information with other Wolfbrook Entities for the purposes of referring you to, and/or promoting, services offered by those other Wolfbrook Entities that we consider you may benefit from.  We or another Wolfbrook Entity may contact you about these services.

You can opt out or unsubscribe from our electronic communications by using the “Unsubscribe” option.

If you want us to stop contacting you, just let us know.

Contact Us

If you have a question, just ask.

info@myrefund.co.nz
0800 808 989

Users Outside New Zealand

The information we collect may be processed in and transferred between your location and New Zealand.  New Zealand may not have equivalent data protection laws to those in force in your location.

If you are based in Europe, you can find out more about your data privacy rights from your national Data Protection Agency, or the European Data Protection Board. The GDPR establishes a uniform data protection law across the European Economic Area (EEA) and aims to protect the privacy and use of EEA residents’ personal data in an increasingly digital world.