Privacy Policy

1. About this Policy

Simple Money NZ (“we”, “us”, “our”) is a fee-only financial planning practice based in New Zealand, operating at simplemoney.nz.

This Privacy Policy explains how we collect, use, store, and protect your personal information. It applies to all visitors to our website and to clients who engage our services.

We are committed to complying with the Privacy Act 2020 (New Zealand) and the Information Privacy Principles it contains.

2. Information We Collect

Website visitors

• Name, email address, and phone number submitted through contact or enquiry forms
• Technical data including IP address, browser type, and pages visited, collected automatically when you browse our site

Clients

In providing financial planning services, we collect personal and financial information necessary to develop your financial plan, including:

• Contact details (name, email, phone number, postal address)
• Financial information such as income, assets, liabilities, KiwiSaver and investment details
• Goals, circumstances, and personal context relevant to your financial plan
• Payment and billing information for invoicing purposes

3. How We Collect Information

We collect information in the following ways:

• Directly from you via contact forms on our website, emails, or consultation calls
• From documents and information you provide as part of the financial planning engagement
• Automatically via website analytics tools when you visit simplemoney.nz

4. Why We Collect and Use Your Information

We use your personal information only for the purposes for which it was collected, including:

• Responding to enquiries and scheduling consultations
• Delivering financial planning services and preparing your Statement of Advice
• Processing payments and managing our client relationship
• Improving our website and understanding how visitors use it
• Sending service-related communications (appointment confirmations, document delivery)
• Sending marketing communications or newsletters, where you have given your consent

We will not use your information for any purpose that would be inconsistent with these purposes without first obtaining your consent.

5. Third Parties We Work With

We use a small number of trusted third-party tools to operate our practice. Where these tools process your personal information, we have taken reasonable steps to ensure they handle it appropriately.

Google Workspace

We use Google Workspace (Gmail, Drive, and Docs) for email communication, document storage, and day-to-day administration. Data processed through Google Workspace is subject to Google’s Privacy Policy.

Calendly

We use Calendly to manage appointment scheduling. When you book a consultation, your name and email address are processed by Calendly. Their privacy policy is available at calendly.com/privacy.

ProjectionLab

We use ProjectionLab to model and illustrate long-term financial projections as part of our planning work. Financial data used in modelling may be stored within this tool. Their privacy policy is available at projectionlab.app/privacy.

Hnry

We use Hnry to manage invoicing and tax administration. Your billing details (name, email, and invoice amounts) are processed by Hnry. Their privacy policy is available at hnry.co.nz/privacy-policy.

We do not sell your personal information to any third party, and we do not allow third parties to use your information for their own marketing purposes.

6. Cookies and Website Analytics

Our website uses cookies and similar tracking technologies to understand how visitors use the site. This may include information about the pages you visit, how long you spend on the site, and your general geographic location.

You can control or disable cookies through your browser settings. Disabling cookies may affect some functionality on our website.

7. How We Store and Protect Your Information

Your information is stored in secure cloud-based systems (Google Workspace and the tools listed above). We take reasonable steps to protect personal information from loss, unauthorised access, use, modification, or disclosure.

We retain client information for as long as necessary to deliver services and meet our professional obligations, or as required by law. When information is no longer needed, it is securely deleted.

8. Marketing Communications

From time to time, we may send newsletters or other marketing communications to people who have expressed an interest in our services. We will only do this where you have given your consent, and every communication will include a clear option to unsubscribe.

If you no longer wish to receive marketing communications from us, you can unsubscribe at any time by following the link in any email or by contacting us directly.

9. Your Rights

Under the Privacy Act 2020, you have the right to:

• Request access to the personal information we hold about you
• Ask us to correct any information that is inaccurate or out of date
• Ask us to delete your information, subject to any legal or professional obligations we may have to retain it
• Withdraw consent for marketing communications at any time

To exercise any of these rights, please contact us using the details below. We will respond within 20 working days, as required under the Privacy Act 2020.

10. Privacy Complaints

If you have a concern about how we have handled your personal information, please contact us in the first instance. If you are not satisfied with our response, you can contact the Office of the Privacy Commissioner at privacy.org.nz.

11. Changes to this Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal obligations. The date at the top of this page indicates when it was last revised. We encourage you to review this policy periodically.

12. Contact Us

If you have any questions about this Privacy Policy or how we handle your personal information, please get in touch: