Core Wealth Solutions Limited Privacy Statement

Collection of personal information

Core Wealth Solutions Limited will take reasonable steps to ensure that the individual is aware of:

• Core Wealth Solutions Limited’s identity and how to contact us,
• their ability to gain access to their personal information,
• the purposes for which the information is collected,
• the organisations (or the types of organisations) to which Core Wealth Solutions Limited usually discloses information of that kind,
• any law that requires the particular information to be collected, and
• the main consequences (if any) for the individual if all or part of the information is not provided.

If Core Wealth Solutions Limited collects personal information about an individual from someone else, Core Wealth Solutions Limited will take reasonable steps to ensure that the individual is or has been made aware of the matters listed above.

Use and Disclosure

Generally Core Wealth Solutions Limited will only use and disclose personal information for the primary purpose for which it was collected. For example, personal information may be used to provide a specific service or function to individuals, to process requests and transactions, and to communicate marketing offers and information to individuals.

This may include providing personal information to external organisations or to our related companies where they are assisting us to provide a service or function. Where we do provide third parties with personal information, we have measures in place to ensure they do not use the personal information for any purpose other than providing the relevant service or function.

Core Wealth Solutions Limited will only use or disclose personal information about an individual for a purpose other than the primary purpose (the secondary purpose) of collection if:

1.  
   1. The secondary purpose is related to the primary purpose of collection; and
   2. The individual would reasonably expect Core Wealth Solutions Limited to use or disclose the information for the secondary purpose; or
2. The individual has consented to the use or disclosure; or
3. If the information is not sensitive information and the use of the information is for the secondary purpose of direct marketing: it is impracticable for Core Wealth Solutions Limited to seek the individual’s consent before that particular use; and
   1. Core Wealth Solutions Limited will not charge the individual for requesting to not receive direct marketing communications; and
   2. the individual has not made a request to Core Wealth Solutions Limited not to receive direct marketing communications; and
   3. in each direct marketing communication with the individual, Core Wealth Solutions Limited directly advises the individual, or prominently displays a notice, that he or she may express their desire not to receive any further direct marketing communications; and
   4. each written direct marketing communication by Core Wealth Solutions Limited with the individual (up to and including the communication that involves the use) sets out Core Wealth Solutions Limited’s business address and telephone number and, if the communication with the individual is made by fax, telex or other electronic means, a number or address at which Core Wealth Solutions Limited can be directly contacted electronically; or
4. Core Wealth Solutions Limited has reason to suspect that unlawful activity has been, is being or may be engaged in, and uses or discloses the personal information as a necessary part of its investigation of the matter or in reporting its concerns to relevant persons or authorities; or
5. the use or disclosure is required or authorised by or under law; or
6. Core Wealth Solutions Limited reasonably believes that the use or disclosure is reasonably necessary for one or more of the following by or on behalf of an enforcement body:
   1. the prevention, detection, investigation, prosecution or punishment of criminal offences, breaches of a law imposing a penalty or sanction or breaches of a prescribed law;
   2. the enforcement of laws relating to the confiscation of the proceeds of crime;
   3. the protection of the public revenue;
   4. the prevention, detection, investigation or remedying of seriously improper conduct or prescribed conduct;
   5. the preparation for, or conduct of, proceedings before any court or tribunal, or implementation of the orders of a court or tribunal.

Data quality

Core Wealth Solutions Limited will take reasonable steps to ensure that the personal information we collect, use or disclose is accurate, complete and up-to-date. If you believe that the information held is inaccurate please do not hesitate to contact the Privacy Officer below.

Data Security

Core Wealth Solutions Limited will take reasonable steps to protect the personal information we hold from misuse and loss and from unauthorised access, modification or disclosure. Core Wealth Solutions Limited stores personal information in various secure electronic storage facilities and paper-based files.Core Wealth Solutions Limited will also take reasonable steps to destroy or permanently de-identify personal information if it is no longer needed for any purpose for which the information may be used or disclosed.

Openness

Core Wealth Solutions Limited policy on our management of personal information is set out in this document, as may be amended by Core Wealth Solutions Limited from time to time. To ensure you have a copy of the most current version of Core Wealth Solutions Limited’s privacy statement, please refer to Core Wealth Solutions Limited’s website: https://www.corewealthsolutions.co.nz/.

Access and Correction

If Core Wealth Solutions Limited holds personal information about an individual, we will provide the individual with access to the information on request by the individual, except to the extent that:

1. in the case of personal information other than health information-providing access would pose a serious and imminent threat to the life or health of any individual; or
2. providing access would have an unreasonable impact upon the privacy of other individuals; or
3. the request for access is frivolous or vexatious; or
4. the information relates to existing or anticipated legal proceedings between the organisation and the individual, and the information would not be accessible by the process of discovery in those proceedings; or
5. providing access would reveal the intentions of Core Wealth Solutions Limited in relation to negotiations with the individual in such a way as to prejudice those negotiations; or
6. providing access would be unlawful; or
7. denying access is required or authorised by or under law; or
8. providing access would be likely to prejudice
   1. an investigation of possible unlawful activity; or
   2. the prevention, detection, investigation, prosecution or punishment of criminal offences, breaches of a law imposing a penalty or sanction or breaches of a prescribed law; or
   3. the enforcement of laws relating to the confiscation of the proceeds of crime; or
   4. the protection of the public revenue; or
   5. the prevention, detection, investigation or remedying of seriously improper conduct or prescribed conduct; or
   6. the preparation for, or conduct of, proceedings before any court or tribunal, or implementation of its orders;by or on behalf of an enforcement body; or
9. an enforcement body performing a lawful security function asks Core Wealth Solutions Limited not to provide access to the information on the basis that providing access would be likely to cause damage to the security of the country.

However, where providing access would reveal evaluative information generated within Core Wealth Solutions Limited in connection with a commercially sensitive decision making process, Core Wealth Solutions Limited may give the individual an explanation for the commercially sensitive decision rather than direct access to the information.

If Core Wealth Solutions Limited is not required to provide the individual with access to the information because of one or more of the above paragraphs Core Wealth Solutions Limited will, if reasonable, consider whether the use of mutually agreed intermediaries would allow sufficient access to meet the needs of both parties.

If Core Wealth Solutions Limited charges for providing access to personal information, those charges:

1. will not be excessive; and
2. will not apply to lodging a request for access.

If Core Wealth Solutions Limited holds personal information about an individual and the individual is able to establish that the information is not accurate, complete and up-to-date, Core Wealth Solutions Limited will take reasonable steps to correct the information so that it is accurate, complete and up-to-date.

If the individual and Core Wealth Solutions Limited disagree about whether the information is accurate, complete and up-to-date, and the individual asks Core Wealth Solutions Limited to associate with the information a statement claiming that the information is not accurate, complete or up-to-date, Core Wealth Solutions Limited will reasonable steps to do so.

Core Wealth Solutions Limited is obliged to provide reasons for denial or refusal of access to correct personal information. If you would like to access any personal information held by Core Wealth Solutions Limited about you, please do not hesitate to contact the Privacy Officer below.

Identifiers

Core Wealth Solutions Limited does not use identifiers such as Tax File Numbers to identify individuals.

Anonymity

Where lawful and practicable, Core Wealth Solutions Limited will provide individuals with the option of not identifying themselves when providing personal information.

Transborder Data Flows

Core Wealth Solutions Limited may transfer personal information about an individual to someone (other than Core Wealth Solutions Limited or the individual) who is in a foreign country only if:

1. Core Wealth Solutions Limited reasonably believes that the recipient of the information is subject to a law, binding scheme or contract which effectively upholds principles for fair handling of the information; or
2. the individual consents to the transfer; or
3. the transfer is necessary for the performance of a contract between the individual and Core Wealth Solutions Limited, or for the implementation of pre-contractual measures taken in response to the individual’s request; or
4. the transfer is necessary for the conclusion or performance of a contract concluded in the interest of the individual between Core Wealth Solutions Limited and a third party; or
5. all of the following apply:
   1. the transfer is for the benefit of the individual;
   2. it is impracticable to obtain the consent of the individual to that transfer;
   3. if it were practicable to obtain such consent, the individual would be likely to give it; or
6. Core Wealth Solutions Limited has taken reasonable steps to ensure that the information that it has transferred will not be held, used or disclosed by the recipient of the information inconsistently with this Privacy Statement.

Sensitive Information

Generally Core Wealth Solutions Limited does not collect sensitive information. In the event Core Wealth Solutions Limited does wish to collect sensitive information however, we will not do so unless:

1. the individual has consented; or
2. the collection is required by law; or
3. the collection is necessary to prevent or lessen a serious and imminent threat to the life or health of any individual, where the individual whom the information concerns
   1. is physically or legally incapable of giving consent to the collection;
   2. physically cannot communicate consent to the collection; or
4. the collection is necessary for the establishment, exercise or defence of a legal or equitable claim.

Use and purpose of collected personal data

On our Web sites we only collect information relating to you with your permission. You may choose to reveal information to us if, for example, you register or complete a survey. Companies in the Core Wealth Solutions Limited group may use the information internationally in connection with processing your inquiries and orders or to help improve our products and services. We would only share such information with third parties outside the Core Wealth Solutions Limited group with your express permission or as required by law. It is used solely for the purposes described below.

Online security

Core Wealth Solutions Limited supports secure online shopping using secure server technology, because we want your shopping experience to be simple and safe. There are state-of-the art security arrangements and facilities on Core Wealth Solutions Limited sites to prevent security abuse. The secure server technology used on Core Wealth Solutions Limited Store encrypts your personal financial information before it is transmitted over the Internet. This technology works best when the store site is viewed using a browser that supports secure server technology.

Privacy across the entire Core Wealth Solutions Limited network

As a global company, Core Wealth Solutions Limited operates a number of Web sites around the world. Any information that you submit to one of our sites in any one country or language may be sent electronically to a server for one of these sites in another country. As such, the information may be used, stored, or processed outside the country where it was recorded. We safeguard your privacy interests around the world by ensuring that the Core Wealth Solutions Limited site adheres to our policies described in this statement.We bind our employees to observe your privacy and confidentiality rights.

Consent

By using our Web sites, you consent to the collection and use of the information as described here. If we decide to make changes to this privacy statement, we will post the changes on this page so that you will always know what information we collect, and how we use it.

IP addresses

We may use your IP address to help diagnose problems, to administer our Web site, or to gather general demographic information.

Cookies

We use cookies to make your use of our online offering more enjoyable and to deliver personalised content. Cookies help us give you information that interests you, they save you having to reenter your password every time you visit our site, and help to keep track of your shopping cart. Cookies also allow us to better analyse our site traffic patterns so that we can improve our Web offering. We do not follow your browsing path outside of the Core Wealth Solutions Limited site; Web partners that serve ads onto our Web site may also use their own cookies.

User registration

You may choose to fill out a registration form on our Web site with contact information. This information is used to send you requested information or products, to contact you with other product information, news, or promotions, and to learn more about our Web visitors.

E-mail addresses

If you give us your e-mail address, we may communicate with you via e-mail. However, we will not share your e-mail address with others outside the Core Wealth Solutions Limited group of companies without your consent. You can choose not to receive e-mails at any time - for more details, read the Choice/Opt-out section below. Depending how your e-mail application is set up, information about you may be transmitted automatically when you send e-mail to Core Wealth Solutions Limited.

Registration for third-party services at Core Wealth Solutions Limited

At Core Wealth Solutions Limited you can register for third party services. Those services are available through Core Wealth Solutions Limited, but are provided by a third party, which is typically not affiliated with Core Wealth Solutions Limited. When you sign up for one of these services, it may be necessary to transfer some of your Core Wealth Solutions Limited.com registration information to this service provider. Also, if the service you chose requires your e-mail address to fulfill this service, we will also give your e-mail address to the service provider. This means we will pass your e-mail address to a service provider only in the event that you specifically asked for this service and the service cannot be provided without your e-mail address. For privacy practices and opt-out procedures of those service providers, refer to the individual privacy policy of the respective service provider.

"Send this to a friend" service

You can choose to forward information, a Web page, or link to someone else using our "Send this to a friend" e-mail service. In order to do that, you provide us with your e-mail address, as well as that of the recipient. This information is used only in the case of transmission errors and, of course, to let the recipient know who sent the e-mail. The information is not used for any other purpose.

Shopping

Our site includes order forms that you fill out to request information, products, and services. These forms collect your financial information, such as your banking details or credit card. We will only use this financial information that you submit solely for billing and payment purposes.

Online surveys

Occasionally we conduct online surveys. Our surveys may ask you for demographic information, such as postal codes or your industry sector. If the online survey collects contact data, we may use that data to send you further information only if we specifically asked for your permission in the survey. You are free to opt out of receiving future mailings at any time. For more details, read the Choice/opt-out section below.

Demographic and user profile data

We may use demographic or user profile data we collect to tailor your Web experience, showcase content that we think may interest you, and display information that matches your preferences. This data also gives us an insight into your needs and interests.

Unsubscribe from Core Wealth Solutions Limited newsletter

If you no longer wish to receive our free newsletter Core Wealth Solutions Limited Newsletter, you can cancel your subscription at any time. Just send an e-mail message to kristy@corewealthsolutions.co.nz with “Unsubscribe” in the subject field.

Removal from our registration database

If you wish to be removed from the Core Wealth Solutions Limited’s Web registration database, please contact:

Removal from other Core Wealth Solutions Limited e-mail lists

If you no longer wish to receive other information or promotional e-mails from Core Wealth Solutions Limited, follow the opt-out instructions on the last e-mail you received.