Simplicity (NZ) Limited and subsidiaries (we, us, our) complies with the New Zealand Privacy Act 2020 (the Act) when dealing with personal information. Personal information is information about an identifiable individual (a natural person). Examples include your name, date of birth, identification documents, address, and email address.

By using our products, you are permitting us to collect, store, use and share your personal information in accordance with this policy.

This policy sets out how we will collect, use, disclose and protect your personal information. Privacy of information that can be used to identify you is very important, and we are committed to protecting your personal information. 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


Changes To This Policy

We may change this policy by uploading a revised policy onto the website. The change will apply from the date that we upload the revised policy.


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 or subscription process, through any contact with us (e.g. telephone call or email), or when you buy or use our services and products benefitting from scale by outsourcing to quality providers wherever possible.
  • - 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, information, and products to you, including third party products.
  • - to market our services and products to you, including contacting you electronically (e.g. by email for this purpose).
  • - to improve the services and products that we provide you.
  • - to pay certain benefits to you (if necessary).
  • - to collect money that you have agreed to pay us (in the case of Simplicity Mortgage holders), including authorising and processing direct debit transactions.
  • - to respond to communications from you, including a complaint.
  • - to conduct research 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.

We will never sell your data to third parties.

Disclosing your Personal Information

We may disclose your personal information to:

  • - another company 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.
  • - other third parties (for anonymised statistical information)
  • - a person who can require us to supply your personal information (e.g. a regulatory authority)
  • - any other person authorised by the Act or another law (e.g. a law enforcement agency)
  • - any other person authorised by you.

A business that supports our services and products may be located outside of New Zealand.  This may mean your personal information is held and processed outside New Zealand.


Protecting your Personal Information

We will take reasonable steps to keep your personal information safe from loss, unathorised activity, or other misuse.  This includes training our staff on our privacy and security procedures, secure handling and storage of personal information, and system security.

We use Amazon Web Services (AWS) storage and database services to store our data. The Security of your personal information is protected during transmission to or from our AWS storage facilities by using encryption protocols.  Access to the data is protected and is only possible with the required encryption.  More information on AWS's data protection policy can be found in the following link  


Accessing And Correcting Your Personal Information

When you provide information to us it is important you check it is accurate and complete.  If we are not able to verify your identity, we will contact you to check the information is correct, and amend it in our system at that point.

Where we have given you or you have chosen a password which enables you to access our website, you are responsible for keeping that password confidential and secure.

We will never contact you to ask you to disclose your security credentials. Be cautious about opening links contained in SMS messages or emails and beware of phishing scams where message senders may imitate us.

Subject to certain grounds for refusal set out in the Act, you have the right to ask whether we hold personal information about you and to access your personal information that we hold.  You can amend some information yourself through your online access.  Otherwise, you can 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.

You also have rights to enquire about the policies and practices that we have in relation to personal information and the kind of information held by us, and to object to the use of your data for marketing purposes.

If you want to exercise either of the above rights, email us at 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.

Retaining your Information

We will only hold information for so long as is necessary under applicable laws (including to comply with anti-money laundering requirements and taxation laws).


Use of analytic services

We use third-party analytics providers to evaluate our customers' use of the website and services. Services like Google Analytics are used to monitor the behaviour of users and it helps improve our user experience by making data-informed decisions. These third-party providers use cookies and other technologies to collect and analyze the data. These are based on aggregated information and do not contain any information that identifies you.

By accessing and using the website or services, you consent to the processing of data about you by these analytics providers in the manner and for the purposes set out in this Privacy Policy. For more information on these third parties and how to opt-out from certain data collection check out the links below:


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 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 cannot be responsible for the protection and privacy of any information you provide while visiting those other sites.

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 cannot use all the features of the website.


Privacy Commissioner

If you are concerned about any aspect of privacy or your personal information contact us at If you remain concerned you may wish to contact the Privacy Commissioner at