Privacy Policy

Last updated: May 2026

1. Who we are

Beze is a New Zealand-based pay on-demand platform operated by Beze Limited. We are a registered Financial Service Provider. Beze enables employees to access a portion of their already-earned wages before payday. Our service is not a loan, credit facility, or buy-now-pay-later product.

If you have any questions about this policy, you can reach us at hello@beze.nz.

2. Information we collect

Information you provide

When you register for and use Beze, we may collect the following information directly from you:

Name and contact details (email address, phone number, residential address)
Identity verification documents (such as a New Zealand driver licence or passport)
Bank account details for receiving advances and processing repayments
Employment information (employer name, role, start date)

Information from your employer’s payroll

With your consent and through your employer’s connected payroll system, we collect:

Earnings data, including gross and net pay
Hours worked and applicable pay rates
Pay cycle dates and schedules

Information collected automatically

When you use the Beze app or website, we automatically collect:

Device information (device type, operating system, unique device identifiers)
Usage data (features accessed, pages viewed, actions taken within the app)
IP addresses and approximate location
Browser type and version

3. How we use your information

We use the information we collect for the following purposes:

To provide the pay on-demand service, including calculating your available earnings and processing advances
To calculate available earnings based on hours worked and pay rates provided by your employer’s payroll system
To process advances and payouts to your nominated bank account
To verify your identity as required by New Zealand law
To comply with our legal and regulatory obligations, including Anti-Money Laundering requirements
To improve, maintain, and develop our service and user experience
To communicate with you about your account, transactions, and service updates

We do not sell your personal information. We will never sell, rent, or trade your data to third parties for marketing purposes.

We may share your information with the following parties where necessary to provide our service:

Your employer, only aggregate reconciliation data required for payroll processing. We never share individual advance details, amounts, or frequency with your employer.
Identity verification providers, to confirm your identity when you register for the service
Payment processing partners, to facilitate the transfer of funds to and from your bank account
Cloud infrastructure providers, who host and maintain the systems on which the Beze platform operates
As required by law, where we are obligated to disclose information to regulatory bodies, law enforcement, or courts

5. Where your information is stored

Your data is stored on secure cloud infrastructure. We take the security of your information seriously and apply industry best practices to protect it.

All data is encrypted at rest and in transit. We use bank-grade encryption standards (AES-256 for data at rest, TLS 1.2+ for data in transit) to ensure your personal and financial information remains protected at all times.

6. Your rights

Under the New Zealand Privacy Act 2020, you have a number of rights in relation to the personal information we hold about you. These include the right to:

Access your personal information that we hold and request a copy of it
Request correction of any inaccurate or incomplete information
Request deletion of your information, subject to legal retention requirements
Withdraw consent for data processing where consent is the basis for processing

To exercise any of these rights, please contact us at hello@beze.nz. We will respond to your request within 20 working days, as required by the Privacy Act 2020.

7. Data retention

We retain your information for as long as necessary to provide our service and comply with our legal obligations. When you close your account, we will delete or anonymise your personal information unless we are required to retain it.

Transaction records are retained for 7 years as required by New Zealand law, including the Tax Administration Act 1994 and the Anti-Money Laundering and Countering Financing of Terrorism Act 2009.

8. Security

We implement appropriate technical and organisational measures to protect your information against unauthorised access, loss, or misuse. These measures include:

Encryption at rest and in transit for all personal and financial data
Strict access controls ensuring only authorised personnel can access your information
Comprehensive audit logging of all access to sensitive data
Regular security reviews, vulnerability assessments, and penetration testing

9. Changes to this policy

We may update this privacy policy from time to time to reflect changes in our practices, technology, or legal requirements. We will notify you of any material changes via email or through the Beze app before they take effect.

We encourage you to review this page periodically. The “Last updated” date at the top of this page indicates when the policy was most recently revised.

10. Contact us

If you have questions about this privacy policy or how we handle your personal information, please contact us at hello@beze.nz.

You also have the right to lodge a complaint with the Office of the Privacy Commissioner if you believe we have breached the Privacy Act 2020. Visit privacy.org.nz for more information.