PRIVACY

POLICY

This Privacy Policy applies to personal information we handle about our customers, visitors to the Vitora website at www.vitoraglobal.com (Website) and other members of the public.

1. COLLECTION OF YOUR PERSONAL INFORMATION

Vitora will collect your personal information in a fair and lawful manner, and not in an unreasonably intrusive way. Where it is reasonably practical to do so, we will collect your personal information directly from you. However, in certain cases we will collect personal information from third parties, including from publically available sources.

2.1 DIRECT COLLECTION

We may collect the personal information you directly give us through some of the following means:

• from Website registration forms, credit application forms, business contracts and other related correspondence (whether in writing or electronically).
• while conducting customer satisfaction and market research surveys.
• whilst administering any of our services, and
• during telephone calls.

2.2 THIRD PARTIES

Vitora may also collect personal information from third parties, including (but not limited to):

• Credit reporting and debt collection agencies
• Electoral Commissions
• Law courts.

3. TYPES OF PERSONAL INFORMATION WE COLLECT

3.1 PERSONAL INFORMATION

The type of personal information we may collect can include (but is not limited to) name, address, date of birth, contact details, financial statements, driver licence details, information received from credit reporting agencies, employment details, and details regarding your income, assets and liabilities, account balances, and risk profile.

We usually obtain personal information directly from our customers through application or other forms, including forms submitted via the Website and from maintaining records of information provided in the course of ongoing customer service. We may also obtain information from other sources, including our customer’s advisors, financiers and from credit reporting agencies.

Where you do not wish to provide us with your personal information, we may not be able to provide you with requested products or services.

 We may collect personal information by other means from time to time, for example, through market research, surveys or special offers, to enable us to improve our service or consider the wider needs of our customers or potential customers.

3.2 INFORMATION COLLECTED FROM THIS WEBSITE

If you register on the Website or contact us via this Website by email or otherwise, we may collect personal information you provide such as your name, job title, company’s name, telephone, fax and mobile numbers and postal or email addresses.

We may use “cookies” to store and sometimes track information about you, but only on an anonymous basis. A cookie is a small amount of data sent from a server which is stored on your computer’s hard drive. You can set your browser to refuse cookies or to ask you before your browser accepts them. Certain parts of our Website or services may require a cookie to be activated and, if you choose to reject the cookie, a particular feature may not be available to you.

 If you do not provide any information we request we may not be able to provide our goods and services to you.

4. THE PURPOSES FOR WHICH WE COLLECT PERSONAL INFORMATION

We will only collect and hold personal information for the primary purposes of:

• providing you with our products and services
• managing and administering those products and services, including account opening procedures, and
• fulfilling our related legal obligations.
• In particular, we may be required to collect certain personal information in order to comply with government legislation and regulations.

5. HOW WE USE OR DISCLOSE YOUR PERSONAL INFORMATION

We, and our agents, will only use and disclose your personal information as permitted by the Privacy Act 1993.

5.1 PRIMARY PURPOSE

Some of the primary purposes for which we use and disclose personal information include:

• marketing our goods and services to you
• product development
• customer and market research
• where a third party acquires or wishes to acquire, or makes inquiries in relation to acquiring, an interest in Vitora; and
• to keep you informed of any changes to our business, goods and services or other offerings that may be of interest to you.
• We will not use or disclose your personal information for any other purpose unless you have consented to that use or disclosure.

5.2 SECONDARY PURPOSE

We may also use and disclose your personal information we collect for a secondary purpose. A secondary purpose is one which is related to the primary purpose of collection.

We will not use or disclose your personal information for any other purpose unless you have consented to that use or disclosure.

OPTING OUT OF COMMUNICATION

Individuals who do not wish to receive marketing information can opt out by contacting our Privacy Officer (see paragraph 11 below), or by clicking on "unsubscribe" on email communications.

6. SECURITY OF PERSONAL INFORMATION

Safeguarding the privacy of your information is important to us, whether you interact with us personally, by phone, mail, over the internet or other electronic medium. We take all reasonable steps to protect the personal information we hold from misuse and loss and from unauthorised access, modification or disclosure.

We may need to maintain records for a significant period of time. However, we will 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.

7. KEEPING PERSONAL INFORMATION ACCURATE, COMPLETE AND UP-TO-DATE?

Vitora takes reasonable steps to make sure that the personal information we collect, use or disclose is accurate, complete and up-to-date.

 If any of your personal details change or you discover any errors in your personal information we hold, please contact us as soon as possible to help us keep our records accurate, complete and up-to-date.

 We may, if permitted by law, refuse to change our records of your personal information. If this occurs, we will provide you with reasons as to why this has occurred.

8. YOU HAVE THE RIGHT TO ACCESS YOUR PERSONAL INFORMATION

You have the right to access your personal information held by us and we will generally provide it to you but in some cases we may, where and to the extent we are permitted by law, refuse access to that information. If we do refuse access we will provide reasons.

To make a request, you will need to obtain and complete an application form verifying your identity and specifying what information you require.

9. APPLICATION OF PRIVACY POLICY

This Privacy Policy only applies to personal information collected or held by us. It does not cover third party websites referred to in or linked from our Website. Those sites may have their own privacy policies.

10. TRANSFERS OF PERSONAL INFORMATION OVERSEAS

As the internet is a global environment, using the internet to collect and process personal information necessarily involves the transmission of that information worldwide. By trading and communicating with us, you acknowledge and agree to us using and disclosing your personal information in this way.

11. CONTACTING US

If you have any questions or concerns about our use of your personal information, please email our Privacy Officer at [email protected] or write to The Privacy Officer, Vitora Global, PO Box 1590, Invercargill 9840, New Zealand.

12. CHANGES

We reserve the right to change the terms of this Privacy Policy from time to time.