Privacy Policy: Hi Money

At Hi Money, we are dedicated to safeguarding your privacy and ensuring that your personal information is handled with the utmost care and responsibility. This Privacy Policy outlines how we collect, use, disclose, and protect your data. By using our services, you agree to the practices described below. Personal Information (as defined below) when you visit, browse, and/or make a purchase from our website located at www.himoney.nz (Site).

Collecting Information: Why and How

We may collect personal information, including but not limited to your name, contact details, and payment information. This information is gathered to provide you with our services, process transactions, and keep you updated about our offerings.

When you visit and/or use our Site(s), we may collect your Device Information (as defined below), Order Information (as defined below), and/or Contact Information (as defined below). Collectively, Device Information, Order Information, and Contact Information are “Personal Information.”

(a) Device Information.

When you visit the Site(s), we automatically collect certain information that does not personally identify you but may uniquely identify the device you are using to visit the Site(s) (e.g., your computer, tablet, or smartphone) (“Device”), including information about your web browser, your Device manufacturer, your operating system and version, general location information, IP address, and your time zone and language settings. Additionally, as you browse the Site(s), we collect information about the individual web pages or products that you view on the Site(s), what websites or search terms referred you to the Site(s), and information about how you interact with the Site(s). We refer to this automatically-collected information as “Device Information.”

We and our Service Providers (as defined below) collect Device Information by setting cookies and other tracking technologies on the Site(s). For more information about cookies and other tracking technologies used on the Site(s), and your controls over their use, please review our Cookie Policy in Section 3 below. 

How We May Use Your Device Information:

  • To help us screen for potential risk and fraud, in particular, by using your IP address. 

  • To measure, analyse, improve, and optimise the performance of our Site(s).  

  • To show you ads about our products on third-party websites and applications.

(b) Order Information.

To make a purchase through the Site, you will be required to provide certain information so that we can complete your purchase, including your name, billing address, shipping address, payment information, email address, and phone number. We refer to this information as “Order Information.”

How We May Use Your Order Information:

  • To send you invoices and/or order confirmations.

  • To process your payment information and arrange shipment of your order.

  • To communicate with you about your purchase.

  • To administer promotions or giveaways that you have entered.

  • To screen our orders for potential risk or fraud.

(c) Contact Information. 

When you use the Site(s), there are several opportunities for you to interact with us, such as contacting us via the Contact Form or emailing us directly. When you do so, we may collect and use your name, email address, and any other information you voluntarily provide to us so that we can respond to you (“Contact Information”). 

How We May Use Your Contact Information:

  • To respond to the questions and inquiries you sent to us. 

  • If you are a subscriber, to send you occasional marketing newsletters and other email updates about us (“Newsletters”). For instructions on how to opt-out of receiving Newsletters, please see Section 7.

  • To administer promotions or giveaways that you have entered.

  • To approve your comments and prevent spam if you are trying to comment on our blog articles.

Using Your Information: Purpose and Scope

Your information is utilised to offer and enhance our services, personalise your experience, communicate with you, and facilitate transactions. We may also use aggregated and anonymised data for analytical purposes. You can request to access, update, or correct some of your Personal Information by emailing us at hello@himoney.nz

Cookies and other tracking technologies

(a) Tracking Technologies. We and our Service Providers use tracking technologies such as cookies, local storage, web beacons, pixel tags, tokens, widgets, etc. (“Tracking Technology”), to conduct analytics and to optimize the Site(s) functionality and performance. We may use both session cookies (which expire when you close out of your browser) and persistent cookies (which stay on your browser until deleted).

(b) What are Cookies and Tracking Technologies? 

Tracking Technologies are small data files that are stored on your Device by a website you visit. Commonly, companies use cookies on their websites to identify visitors, to remember visitors’ preferences, to better understand how visitors use and interact with the website, and to keep visitors logged into their accounts while they navigate the website. Cookies are either first-party cookies, which belong to the domain you are visiting, or third-party cookies, which are set by and belong to a different domain than the one that you’re currently visiting. 

(c) Your Control Over Cookies. In some cases, a third party might give you the ability to opt-out of receiving their cookies. Please review the third party’s privacy policy and/or cookie policy for more information. You can also control how cookies are used by updating your browser settings to accept or refuse all or certain types of cookies. If you choose to reject certain cookies, please note that the Site(s) and/or some of its features may not function properly. However, you can still place orders by contacting customer service at hello@himoney.nz. Please note that it may take up to three (3) business days to respond. 

How is my personal information used for analytics?

As an online business, it is important for us to know how users interact with our Site(s). We and our Service Providers will collect your location information and Device Information so that we can deliver our Site(s) to our users, measure, analyse, and improve performance of the Site(s), and to continually update and develop our Site(s). For example, we will use this information to fix any bugs or errors in the Site(s) and to determine if we need to support a new Device type for the Site(s).  

How is my personal information used for advertising?

To help us keep our Site(s) running, we show ads in our Site(s) with the help of third-party advertising partners (“Ad Partner”). We integrate the Ad Partner technologies into our Site(s), which are then used by the Ad Partner to determine what kind of ads to display to you.  

(a) Does the Ad Partner Collect My Personal Information?

In order to show you ads that you might find interesting and/or relevant (“Targeted Ads”), the Ad Partner may collect and use your location information and Device Information. If location services are enabled in your Device settings, the Ad Partner may additionally collect your geolocation information. Because the Ad Partner’s technologies control what kind of personal information is collected from your Device and how it is used, we encourage you to review the Ad Partner privacy policies, found at https://policies.google.com/privacy?hl=en. 

(b) How to Opt-Out of Receiving Targeted Ads.

If you do not want to receive Targeted Ads on your mobile Device, your mobile Device may give you the option to opt-out of receiving Targeted Ads on all apps on your Device. On Android Devices, you may opt-out by enabling the “Opt out of Ads Personalization” setting. On iOS Devices, you may opt-out by enabling the “Limit Ad Tracking” setting. In addition, you may be able to opt-out of receiving Targeted Ads from a specific Ad Partner by visiting the Digital Advertising Alliance’s opt-out portal at: http://optout.aboutads.info/ or through Google at https://adssettings.google.com/authenticated. Please note that if you opt-out of receiving Targeted Ads, you will still receive contextual ads, which are non-targeted ads related to the content of the Site(s). 

Sharing Information: Limited and Secure.We do not share your personal information with third parties for marketing purposes. How long we store your Personal Information will depend on the purpose that we originally collected it. We will not retain Personal Information for longer than is necessary for our legitimate business interests or to comply with legal requirements. If you would like your Personal Information deleted, please contact us at hello@himoney.nz

Data Security

Protecting Your Information. We take data security seriously. We implement measures to protect your personal information from unauthorised access, disclosure, alteration, or destruction. Despite our efforts, no data transmission over the internet can be guaranteed as completely secure, and you provide your information at your own risk. The security of your Personal Information is important to us. We follow generally accepted industry standards to protect your information, both during transmission and once it is received.

Your Choices

Control Over Your Data. You have the right to access, update, correct, or delete your personal information. You can manage your communication preferences and opt-out of receiving certain communications from us. Please note that we do not alter our Site(s)’ data collection and use practices when we see a Do Not Track signal from your browser. If you wish to unsubscribe from receiving Newsletters, you can click on the “unsubscribe” link at the bottom of the email. Please allow up to fourteen (14) business days before you stop receiving Newsletters. You may also continue to receive emails unrelated to marketing.Throughout the Site(s), you may see links to third-party websites or applications. We are not responsible for the privacy practices of these third-party sites, and when accessing their sites, we encourage you to read their privacy policies.

Children's Privacy

Our Services are Not Intended for Minors. Our services are not directed towards individuals under the age of 18. We do not knowingly collect personal information from minors. If you are a parent or guardian and believe your child has provided us with personal information, please contact us, and we will take steps to remove that information from our systems.

For Customers in the European Union

If you are a European resident, you have the right to access Personal Information we retain and to ask that your Personal Information be corrected, updated, or deleted. You additionally have the right to receive a copy of the Personal Information we have about you. If you would like to exercise these rights, please contact us by emailing hello@himoney.nz. Additionally, if you are a European resident, we note that we are processing your Personal Information in order to fulfil contracts we might have with you (for example if you make an order through the Site(s)), or otherwise to pursue our legitimate business interests, such as direct marketing, to prevent fraud, and to conduct analytics on the Site(s). Additionally, please note that your information will be transferred outside of Europe, including to Canada and the United States. We rely on model contractual clauses and/or the Privacy Shield certification for such transfers.If you believe your rights under the General Data Protection Regulation (GDPR)have been violated, you may file a complaint with the supervisory authority of your country of residence. For contact information for your supervisory authority, visit: http://ec.europa.eu/justice/data-protection/article-29/structure/data-protection-authorities/index_en.htm. 

Changes to this Policy: Keeping You Informed

This Privacy Policy may be updated from time to time to reflect changes in our practices or legal requirements. We will notify you of any substantial changes through our website or other communication channels.

Contact Us: Your Questions and Concerns

Your privacy matters to us. If you have any questions, concerns, or requests regarding your personal information or this Privacy Policy, please reach out to us at hello@himoney.nz. Effective Date: 30 August 2023.

Disclaimer

The information and content made available to you by Hi Money, whether on this website, our related social media accounts or otherwise, has been prepared solely for informational and educational purposes. Any Hi Money content provided and/or services described on this website are intended to be of general nature only and are current at the time of publication. The opinions expressed by Hi Money do not constitute and should not be viewed as legal, tax, investment, financial or other advice. Hi Money is for educational purposes only. Hi Money does not provide personalised investing advice for your individual needs. We are not Financial Advisors. The advice from Hi Money exists for educational purposes only and should not be relied upon to make an investment or financial decision. Always do your research and please use your due diligence. Subject to our Refund Policy, we provide content without any express or implied warranties. By continuing to use our site and access our content, you agree that we are not responsible for any decision you may make regarding any information presented or as a result of purchasing any of our products or services. In exchange for accessing the Hi Money Content, you will not hold Hi Money, its directors, officers or employees liable for any possible claim for damages arising from any decision you make based on the Hi Money Content

T&Cs

Hi Money Terms and Conditions

Welcome to Hi Money's website! By accessing or using our services, you agree to comply with and be bound by these terms and conditions. Please read them carefully.

1. Acceptance of Terms

By using Hi Money's website and services, you acknowledge and agree to these terms and conditions. If you do not agree with any part of these terms, please refrain from using our website and services.

2. Use of Services

2.1. You must be at least 18 years old to use our services. If you are under 18, you may use our services only with involvement of a parent or legal guardian.

2.2. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete.

3. Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy outlines how we collect, use, and protect your personal information. By using our services, you consent to the collection and use of your data as described in the Privacy Policy.

4. Intellectual Property

4.1. All content and materials on the Hi Money website, including text, graphics, logos, images, audio, video, and software, are the property of Hi Money and are protected by copyright and other intellectual property laws.

4.2. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website, except as permitted by applicable copyright laws or with our prior written consent.

5. Limitation of Liability

5.1. Hi Money and its affiliates, partners, and employees shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages, including but not limited to loss of profits, data, or use.

5.2. Hi Money makes no representations or warranties regarding the accuracy, completeness, or reliability of the content on its website or the results obtained from using its services.

6. Indemnification

You agree to indemnify and hold harmless Hi Money and its affiliates, partners, and employees from any claims, damages, liabilities, costs, or expenses arising out of your use of the website or services, or your violation of these terms and conditions.

7. Changes to Terms

Hi Money reserves the right to change or modify these terms and conditions at any time. Changes will be effective when posted on our website. Your continued use of our services following the posting of any changes indicates your acceptance of those changes

8. Governing Law

These terms and conditions shall be governed by and construed in accordance with the laws of New Zealand, without regard to its conflicts of law principles.

Please contact us at hello@himoney.nz if you have any questions or concerns about these terms and conditions. Thank you for using Hi Money's services!