Privacy Policy

1 About this policy

This policy explains how Beze Limited ('Beze', 'we', 'us') collects, uses, shares and protects personal information when you use our website, apps or services (our 'services'), including if:

1. (a) you use Beze through your employer;
2. (b) your employer has given us your details so you can be invited to Beze;
3. (c) you act for an employer that uses Beze; or
4. (d) you visit our website.

Your information is collected and held by Beze Limited, 113 Fraser Avenue, Johnsonville, Wellington 6037.

We must comply with the Privacy Act 2020. By using our services, you authorise us to handle your information as described in this policy.

Our services are not intended for people under 16.

2 Information we collect

Information you give us, such as:

1. (a) your name, contact details and date of birth;
2. (b) information from your identity documents;
3. (c) biometrics, including photos you provide as part of identity verification;
4. (d) what you tell us when you contact us or use our services, including phone call recordings.

Information from your employer, such as your name, contact details, employment details, pay information and bank account details, which we may receive before you sign up.

Information from other sources, such as identity verification providers and the sources they check (which may include credit reporting agencies), payment providers, and publicly available sources.

Information created when you use our services, such as your advances, repayments and fees.

Information collected automatically, such as your device, how you use our services, and your approximate location.

If you act for an employer, we may also collect your contact details and role, information about the business and its directors and owners (including from public registers and credit reporting agencies), and how you use our services.

The Anti-Money Laundering and Countering Financing of Terrorism Act 2009 requires us to verify your identity. If you do not give us the information we ask for, we may not be able to provide our services.

3 How we use your information

We may use your information to:

1. (a) verify your identity and decide what you can access;
2. (b) provide our services, including paying advances and arranging repayment through your employer's payroll;
3. (c) communicate with you and provide support;
4. (d) detect, prevent and investigate fraud and other unlawful activity;
5. (e) protect and enforce our legal rights, including defending any claim;
6. (f) comply with the law, including anti-money laundering law;
7. (g) understand, develop and improve our services;
8. (h) market our services to you, where the law allows; and
9. (i) for any other purpose we tell you about when we collect it.

We use artificial intelligence (AI) tools to help us run and improve our services.

4 Sharing with your employer

We share information about your use of Beze with your employer, such as your advances and repayments, so they can make payroll deductions and manage our services for their staff.

5 Who else we share your information with

We may share your information with:

1. (a) service providers, such as for hosting, identity verification, payments, communications, analytics, advertising and technology;
2. (b) banks and payment providers;
3. (c) government agencies, regulators and law enforcement, where required or allowed by law;
4. (d) our professional advisers and auditors;
5. (e) a buyer or potential buyer of all or part of our business;
6. (f) others, where we believe it is necessary to prevent fraud or protect anyone's rights or safety; and
7. (g) anyone else you authorise.

These third parties may also handle your information under their own privacy policies.

We may use and share information that does not identify you for any purpose.

6 Storing information overseas

Some of our service providers are outside New Zealand and may not be subject to New Zealand privacy laws. We take reasonable steps to make sure they protect your information with safeguards comparable to the Privacy Act.

7 Cookies, analytics and advertising

Cookies and similar technology recognise your browser or device during and between visits. We may use them to remember your preferences and settings, improve security, understand how our services are used, and measure how well our features and marketing work.

Analytics and advertising platforms we use may also recognise your device on our services and other websites. You can control cookies in your browser settings.

8 Messages we send you

We send you messages about your account and our services, and may send you news and offers by email or text where the law allows. You can unsubscribe from news and offers at any time using the instructions in the message.

9 How long we keep your information

We keep your information for as long as we need it for these purposes, or as the law requires. For example, anti-money laundering law requires us to keep some records for at least five years after our relationship ends.

10 Keeping your information safe

We take reasonable steps to protect your information from loss, misuse and unauthorised access, but we cannot guarantee the security of information sent or stored online.

11 Your rights

You can ask to access the information we hold about you (we may charge a fee) and to correct it, using the contact details below. We may need to verify your identity first. Sometimes the law may stop us giving you access, and we may not be able to delete information the law requires us to keep.

12 Information about other people

If you give us information about someone else, such as an employer giving us staff details, you must make sure they know you are sharing it with us and why.

13 Other websites

Our services may link to other websites. We are not responsible for their privacy practices.

14 Changes to this policy

We may update this policy, and will let you know by posting the updated version on our website.

15 Contact us

For questions about this policy, or to access or correct your information, contact our Privacy Officer:

Attention: The Privacy Officer

Email: hello@beze.co.nz

If you are unhappy with how we handle a privacy concern, you can complain to the Privacy Commissioner (www.privacy.org.nz).

For complaints about our services, you can also contact our independent dispute resolution scheme, Financial Services Complaints Limited (www.fscl.org.nz).