What this policy means

In this policy, when we say we , us , and our, we mean Kernel.

We care about the privacy of our users of www.kernelwealth.co.nz (our website’) and our services.

This policy tells you:

what information we might collect about you from you and others;

how we might use that information;

where we store that information; and

who we might share your information with.

When we say ‘New Zealand privacy law’, we mean the law in New Zealand that covers personal information that’s in force at the time that you use our services. This includes codes of conduct issued by the Privacy Commissioner.

When you use our services, you acknowledge that we may collect, use, store, and share your information as we’ve described in this policy.

Information others give us

We might receive your personal information from third party websites or services, such as Facebook, Twitter and Google Analytics, which you have authorised to disclose your personal information to us. The collection and disclosure of that personal information by those third parties will be governed by terms you have agreed with them, and the New Zealand Privacy Act 2020.

Information you give us about other people

We may collect information about someone else from you, if you provide that information to us. If you do provide us with someone’s personal information, you must make sure you have that person’s authority to do so and you must make sure that person knows that their information may be used by us in the circumstances set out in this policy.

Additional collection

We may gather more extensive information about your interactions with our website or with us generally if we are concerned about abnormal website usage patterns or potential security breaches

Collection and deletion of bank account details

We may gather more extensive information about your interactions with our website or with us generally if we are concerned about abnormal website usage patterns or potential security breaches

Cookies

Cookies are pieces of information that are automatically downloaded to your computer or mobile device when you use a website.

We use cookies for a few different reasons. Cookies make it easier for you to use our website in future visits (by remembering who you are). Cookies also help us to monitor traffic and personalise the content on our website for you.

We can’t use cookies to view any data on your device only data stored in the cookie.

Some parts of our website can’t work without these cookies so we’ve automatically turned them on. You can switch off cookies and other tracking services using your browser settings (but it might mean you can’t use our website in the same way).

Specifically, we may use the following kinds of cookies:

strictly necessary cookies (which let you use our services);

performance cookies (which gives lets us know if our services are working and helps us to fix errors);

functionality cookies (which helps us to personalise your visit);

persistent cookies (which stay on your device after you’ve left our website so that we can remember you for next time);

session cookies (which last only for the duration of your visit);

advertising cookies (which allow us to show you specially targeted ads).

To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.allaboutcookies.org

Use of your identity information

When we say identity information, we mean information like your New Zealand passport or driver licence and address information.

We are required to collect this information to meet our obligations under New Zealand’s anti money laundering laws.

Specifically, we have to make sure that you are who you say you are. This helps prevent people from using our services in harmful ways. The ways that we can verify your identity are also covered by legislation, so we need to undertake specific checks.

To do so, we may use third party identity verification service providers (such as Verifi Identity Services Limited, known as Cloudcheck). This means that we’ll disclose your identifying information to those service providers, for verification purposes.

We only use service providers that we can trust to keep your information safe. But you should read the privacy policy for Cloudcheck to understand the ways that they might use your information.