Privacy Policy

Welcome to Cotiss!

Cotiss Limited ("us", "we" or "Cotiss") is a registered company in New Zealand, NZBN 9429048826440. Cotiss complies with the New Zealand Privacy Act 1993 (the Act) when dealing with personal information. Personal information is information about an identifiable individual (a natural person). This policy does not limit or exclude any of your rights under the Act. If you wish to seek further information on the Act, see www.privacy.org.nz.

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Who do we collect your personal information from?

We collect personal information about you from:

• You, when you provide that personal information to us, including via the website and any related service, through any registration process OR through any contact with us (e.g. telephone call or email).
• Third parties where you have authorised this or the information is publicly available.

If possible, we will collect personal information from you directly.

How we use your personal information

We will use your personal information

• to verify your identity
• to provide services and products to you
• to market our services and products to you, including contacting you electronically (e.g. by text or email for this purpose)
• to improve the services that we provide to you
• to undertake credit checks of you (if necessary)
• to bill you and to collect money that you owe us, including authorising and processing credit card transactions
• to respond to communications from you, including complaints
• to conduct research, development and statistical analysis (on an anonymised basis)
• to protect and/or enforce our legal rights and interests, including defending any claim for any other purpose authorised by you or the Act.

Disclosing your personal information

We may disclose your personal information to:

• another entity within our group
• any business that supports our services and products, including any person that hosts or maintains any underlying IT system or data centre that we use to provide the website or other services and products
• to market our services and products to you, including contacting you electronically (e.g. by text or email for this purpose)
• a broker, financial services provider or credit reference agency for the purpose of credit checking you, who may then provide your information to their customers for the purposes of those customers credit checking you other third parties (for anonymised statistical information)
• a person or entity who can require us to supply your personal information (e.g. a regulatory authority)
• any other person or entity authorised by the Act or another law (e.g. a law enforcement agency) a business that supports our services and products that may be located outside New Zealand. This may mean your personal information is held and processed outside New Zealand, for example, cloud storage. any other person authorised by you.

Protecting your personal information

We will take reasonable steps to keep your personal information safe from loss, unauthorised activity, or other misuse.

Accessing and correcting your personal information

Subject to certain grounds for refusal set out in the Act, you have the right to access your readily retrievable personal information that we hold and to request a correction to your personal information. Before you exercise this right, we will need evidence to confirm that you are the individual to whom the personal information relates.

In respect of a request for correction, if we think the correction is reasonable and we are reasonably able to change the personal information, we will make the correction. If we do not make the correction, we will take reasonable steps to note on the personal information that you requested the correction.

If you want to exercise either of the above rights, email us at customersuccess@cotiss.com. Your email should provide evidence of who you are and set out the details of your request (e.g. the personal information, or the correction, that you are requesting). We may charge you our reasonable costs of providing to you copies of your personal information or correcting that information.

Internet use

While we take reasonable steps to maintain secure internet connections, if you provide us with personal information over the internet, the provision of that information is at your own risk.

If you post your personal information on the website's [message board/ chat room], you acknowledge and agree that the information you post is publicly available.

If you follow a link on our website to another site, the owner of that site will have its own privacy policy relating to your personal information. We suggest you review that site's privacy policy before you provide personal information

We use cookies (an alphanumeric identifier that we transfer to your computer's hard drive so that we can recognise your browser) to monitor your use of the website. You may disable cookies by changing the settings on your browser, although this may mean that you may not be able to use all of the features of the website.

Review

This policy will be reviewed every three years.

Publication date: 1 Apr 2021

Update due: 1 Apr 2024