Privacy Policy

Last Updated: June 5th, 2025

This Privacy Policy governs the use of personal information by Wealthie Limited (Wealthie). Unless the context indicates, capitalised terms in this Privacy Policy shall have the same meaning as defined in the Terms and Conditions.

Your Privacy Rights

Wealthie is committed to complying with its obligations under the Privacy Act 2020 when dealing with your personal information. Any personal information you provide to us will be stored, used and disclosed by Wealthie in accordance with this Privacy Policy.

This Privacy Policy should be read in conjunction with any applicable terms and conditions relating to the use of and access of the Wealthie Platform and/or our Website (collectively, Services).

If you have any questions regarding this Privacy Policy or wish to access or amend the personal information that we hold about you please contact us at riki@wealthie.co.nz.

Acceptance of this Privacy Policy

You acknowledge that you have read and understood this Privacy Policy, and consent to the collection, use, disclosure, storage and retention of your personal information as described in this Privacy Policy when you access or use our Services, or otherwise provide us with any personal information.

Amendments to this Privacy Policy

We may amend and update this Privacy Policy from time to time by posting a revised version on our Website and/or the Wealthie Platform. Any changes will apply from the date we post the updated Privacy Policy on the Website and/or the Wealthie Platform. If we make any significant changes, we will provide you with reasonable notice of such changes through the Website and/or Wealthie Platform, or via other means such as email. By using our Services after such notice period, you will be deemed to have accepted the updates to this Privacy Policy. If you do not agree to any change, you must immediately notify us and stop using and/or accessing our Services.

How We Collect Information About You

Your personal information will be collected and held by Wealthie Limited, New Zealand.

We collect personal information from you in order to enable you to register an Account and use the Wealthie Platform. The personal information that we collect may include your name, contact details (including your email address, phone number and postal address), organisation, professional credentials, and financial information.

When We Collect Personal Information

We may collect personal information about you when:

• you register an Account;
• you access and use our Website and/or the Wealthie Platform;
• you subscribe to any newsletter or publication of Wealthie;
• you provide details to us in any feedback or contact us form;
• you otherwise contact us through social media, email, telephone or other means;
• you apply for employment or a volunteer position with us;
• you participate in surveys, promotions, or marketing activities;
• you attend events, webinars, or training sessions;
• we are required to do so by law.

Financial Adviser Data Collection

We note that Financial Advisers may collect certain personal and financial information (including income, expenditure, debt levels, investment details, and other sensitive financial data) from individuals directly and input this into the Wealthie Platform. Where a Financial Adviser does so, the Financial Adviser is the collector of such information and Wealthie acts as storage agent of the information only.

Technical Information Collection

When you use our Website and/or the Wealthie Platform we may collect information that is sent to us by your computer, mobile device or other access device. The information that is sent to us may include your computer IP address, referral URL, geo-location and data about the webpages that you access. Generally this information is not personally identifiable data, but to the extent that it is considered personal information for the purposes of any applicable law or regulation, we will comply with our obligations under any such law or regulation when processing that information.

Consequences of Not Providing Information

If you choose not to provide personal information to us on request we may be unable to provide certain Services to you, or it may affect the quality of those Services.

How We Use and Disclose Information That We Collect About You

We will only use and disclose your personal information in accordance with your authorisation and/or for the purposes set out in this Privacy Policy, which shall include:

• to provide you with access to and use of our Services;
• to communicate with you (for example to provide customer support or to ask you for feedback about our Services);
• to verify your identity and complete background checks;
• to facilitate your use of our Services and help provide a more personalised experience;
• to research and help improve and enhance our Services;
• to undertake administrative functions associated with our business;
• to perform financial modelling, calculations, projections, and analysis;
• to provide technical support and troubleshooting;
• to detect, prevent, and address fraud, security breaches, and other harmful activities;
• to comply with any legal obligations or as otherwise permitted by the Privacy Act 2020;
• subject to you providing your consent (in accordance with the Unsolicited Electronic Messages Act 2007), sending you electronic messages to promote and market our Services.

Disclosure Restrictions

Subject to the disclosure provisions below:

• where personal information about an individual has been collected by a Financial Adviser, we will not disclose that personal information to any other person without the authorisation of the Financial Adviser;
• where personal information about an individual has been collected by Wealthie, we will not disclose that personal information to any other person without the authorisation of that individual.

Marketing Communications

Where you consent to us using your personal information for marketing and promotional communications, you can opt out at any time by notifying us at riki@wealthie.co.nz or by clicking the unsubscribe function included in our marketing communications.

Use and Sharing of Data

You consent to us using and sharing the data that you provide to us as part of the Services, on the basis that:

• the data we collect from you will not include your personal information or other identifying particulars and will be in a form in which you will not be able to be identified; and
• this data will be collated and/or aggregated with other Users' and/or Financial Advisers' data for the purpose of calculating and compiling trends seen on the Wealthie Platform.

Who We May Disclose Your Personal Information To

We may disclose your personal information to:

• our related companies in connection with the purposes set out in this Privacy Policy;
• any service providers that we have engaged to provide a service to us in relation to our Services. For example, we may engage third parties to provide us with IT, marketing or customer support services;
• our professional advisers, including accountants, insurers and lawyers;
• payment processors and financial institutions for transaction processing;
• cloud hosting and data storage providers;
• analytics and performance monitoring services;
• email communication and marketing platforms;
• security and fraud prevention services;
• any other person or organisation that you have authorised us to disclose your information to; and/or
• any other third party where such disclosure is permitted under the Privacy Act 2020 and/or any other applicable law.

Third Party Service Providers

When we engage third party service providers, we ensure they are subject to appropriate confidentiality and security obligations to protect your personal information. We do not sell, trade, or rent your personal information to third parties for their own marketing purposes.

Access, Correction and Retention of Your Personal Information

You agree that any information you give to us will be accurate, correct and up to date. You can update your personal details at any time through our Website and/or the Wealthie Platform. Alternatively, you must inform us if any of your personal information changes, to ensure that the details we hold about you are up to date and correct.

You are entitled to access the personal information we hold about you, and to request that we amend it if it is incorrect. If we are not willing to correct errors that you have identified in your personal information, you may request that we take reasonable steps to attach a statement to the personal information noting the correction sought.

We will only retain your personal information for as long as it is required to achieve the purposes set out in this Privacy Policy or as otherwise required by law.

Security of Information

Although we take reasonable steps to ensure personal information in our possession is protected and held securely, we do not make any warranties in relation to the security of any information you disclose or transmit to us and we are not responsible for the theft, destruction, or inadvertent disclosure of your personal information where our security measures have been breached. Any transmission of personal information is conducted at your own risk.

We generally hold your information in New Zealand. However, certain personal information may be transferred and/or stored outside of New Zealand by our third party service providers, such as cloud hosting providers who may host our data in their servers in Australia or other jurisdictions. Where personal information is transferred outside of New Zealand we will ensure that such third party is subject to comparable privacy laws to New Zealand or is required to protect the personal information in a way that is comparable to New Zealand's privacy laws.

Security Measures

We implement comprehensive security measures to protect your information, including:

• Encryption of all data in transit and at rest using industry-standard protocols;
• Strict access controls and multi-factor authentication requirements;
• Regular security assessments and vulnerability testing;
• SOC 2 compliant cloud hosting with enterprise-grade security;
• Employee training and background checks;
• Incident response and breach notification procedures;
• Regular backup and disaster recovery testing.

Cookies

Like many other websites on the internet, we use cookies to store and track information about you when you are on our website for the purposes of:

• providing more customised content and material to you on our website;
• conducting business and marketing analysis;
• remembering your preferences and settings;
• analyzing website traffic and usage patterns;
• improving user experience and platform functionality;
• providing personalized content and features.

All information collected via cookies will be held by us. This information will not be made available to any third party in a manner that enables you to be identified. If you do not wish to allow cookies you may change your browser settings to disable cookies. However if you disable cookies some parts of the website may not function properly.

Links to Other Sites

Our Website and/or the Wealthie Platform may have links or references to third party websites or material. Our Privacy Policy does not apply to those websites, and any information collected by such third parties is governed by that third party's privacy practices or policies. We accept no responsibility or liability for the content or privacy practices of any third party websites.

Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected such information, we will take steps to delete it promptly.

International Data Transfers

Your information may be transferred to and processed in countries other than New Zealand. We ensure appropriate safeguards are in place to protect your information during such transfers, including:

• Adequacy decisions by relevant authorities;
• Standard contractual clauses;
• Certification schemes and codes of conduct;
• Ensuring third parties are subject to comparable privacy laws.

How to Contact Us

If you have any queries or concerns about our Privacy Policy or our handling of your personal information please contact us at:

• Company: Wealthie Limited
• Location: New Zealand
• Email: riki@wealthie.co.nz
• Phone: 022 184 9232
• Website: www.wealthie.co.nz
• Subject Line for Privacy Inquiries: "Privacy Policy Inquiry"

Compliance with New Zealand Privacy Laws

This Privacy Policy is designed to comply with the New Zealand Privacy Act 2020 and other applicable privacy laws. We are committed to handling your personal information in accordance with the privacy principles outlined in New Zealand legislation.

We regularly review our privacy practices to ensure ongoing compliance with applicable laws and regulations, and we update our policies and procedures as necessary to reflect changes in legal requirements or best practices.

Data Ownership and Access Rights

Your Data Ownership: You retain full ownership of all data you provide to or generate through the Wealthie Platform. Wealthie never claims ownership of your data, and you always maintain complete ownership rights over your information.

Continuous Access: You always have access to your data through the Wealthie Platform. You can download your data at any time through the export functionality available in the application. This ensures you maintain control and access to your information regardless of your subscription status.

Data Portability: We provide tools within the Wealthie Platform to allow you to export your data in commonly used formats, ensuring you can transfer your information to other systems if desired.

Your Rights Under New Zealand Privacy Law

Under the Privacy Act 2020, you have specific rights regarding your personal information, including:

• The right to know whether we hold personal information about you;
• The right to access personal information we hold about you;
• The right to request correction of personal information if it is wrong;
• The right to complain to the Privacy Commissioner if you believe we have breached your privacy;
• The right to request that we stop processing your personal information in certain circumstances;
• The right to data portability and export of your information;
• The right to maintain ownership of all data you provide to us.

If you wish to exercise any of these rights, please contact us using the details provided above. We will respond to your request within the timeframes required by law.