This Privacy Statement governs the manner in which Retirement Income Group Limited (the Group or RIG) collects, uses, maintains and discloses information collected from users (each, a "User") of www.lifetimeincome.co.nz, www.lifetimeinvestments.co.nz, www.lifetimeworkplace.co.nz, www.garrisonbridge.co.nz, www.retirementincomegroup.co.nz,and www.nzbritannia.co.nz websites.
Throughout this page, where we refer to the Group’s Websites, this refers to all websites managed within the Group, including www.lifetimeincome.co.nz, www.lifetimeinvestments.co.nz, www.lifetimeworkplace.co.nz, www.garrisonbridge.co.nz, www.retirementincomegroup.co.nz, and www.nzbritannia.co.nz.
This Privacy Statement applies to all the websites and all prFinancing of Terrorism Act 2009, we must verify your identityoducts and services offered by Retirement Income Group, inclusive of subsidiaries of Retirement Income Group; Lifetime Asset Management Limited, Lifetime Income Limited, Lifetime Home Limited and Lifetime Trustee Limited.
The Privacy Statement shows how we comply with the requirements of the New Zealand Privacy Act 2020.
We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our sites, register on the sites, and in connection with other activities, services, features or resources we make available on our Sites. Users may be asked for, as appropriate, name, email address and other relevant information(i.e how the User discovered our product and service). We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personal identification information, except that it may prevent them from engaging in certain Site-related activities.
Under the Anti-Money Laundering and Countering Financing Terrorism Act 2009 we must verify your identity and address. We must also verify the nominated bank account into which payments from the applicable Fund will be made. The applicable Funds are Lifetime Retirement Income Fund, Garrison Bridge Superannuation Scheme, Lifetime Master Trust, Superannuation Master Trust, Future Lifestyle Plan, Personal Superannuation Scheme, Britannia Retirement Scheme, Integral Master Trust, Britannia Superannuation Scheme 2012 and Britannia Superannuation Scheme.
The personal information you provide in an application form, and in respect of any documents relating to it, including in the future, is being collected for the purpose of establishing and effectively managing your investment in the Fund and in compliance with all relevant law. If you do not provide us with your personal information, we may not be able to process or may refuse your contribution or withdrawal. The information may also be used for the purpose of verifying your identity electronically.
The information may be used by, and disclosed to, the Manager or Supervisor, and any other entity that is involved in the administration and management of the Fund (including Inland Revenue and any regulatory body). You agree that the Manager, Supervisor and their agents may collect and use information for these purposes, and to promote other products issued by the Manager. The information is being collected by the Manager and will be held by its Custodian and Administration Manager. You, as a User, have control over the data we hold and can contact us at any time to discuss the amendment, erasure or processing of your data.
The General Data Protection Regulation (GDPR) came into effect 25 May 2018, creating consistent data protection rules across Europe. It applies to all companies that process personal data about individuals in the EU and UK, regardless of where the company is based. Processing is defined broadly and refers to anything related to personal data, including how a company handles and manages data, such as collecting, storing, using, and destroying data.
RIG only processes data which is required as part of the service we provide and for which you have provided consent. You, as a User, have control over the data we hold and can contact us at any time to discuss the amendment, erasure or processing of your data.
RIG continues to ensure ongoing compliance with GDPR through our internal processes. For more information on GDPR and how it may apply to you, please contact Lifetime directly.
We may collect non-personal identification information about Users whenever they interact with our Sites. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Sites, such as the operating system and the Internet service providers utilised and other similar information.
We may monitor and record phone calls to the Lifetime 0800 and local calling numbers (0800 254 338, 0800 266 268, 0800 500 811, and to 04 4727902 and 09 414 4215), for quality control and/or staff training purposes and other purposes related to the purpose of your call.
For access and correction requests or for other queries in relation to personal information regarding our call centres, please contactretire@lifetimeincome.co.nz.
Our Site may use "cookies" to enhance User experience. Users' web browsers place cookies on their hard drive forrecord-keeping purposes and sometimes to track information about them. Users may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Sites may not function properly.
Retirement Income Group may collect and use Users' personal information for the following purposes:
How we protect your information
We adopt appropriate data collection, storage (we use local and cloud servers both in New Zealand and overseas) and processing practices and security measures to protect against unauthorised access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.
Privacy Breach
A privacy breach is where there has been unauthorised or accidental access to personal information, or disclosure, alteration, loss, or destruction of personal information. It can also include a situation where a business or organisation is stopped from accessing information – either on a temporary or permanent basis
Even with all the measures we have in place to protect your personal information, there is still a possibility that our security could be breached.
If we experience a privacy breach, we will, as soon as we become aware of the breach:
seek to quickly identify and secure the breach to prevent any further breaches and reduce the harm caused;
Sharing your personal information
We do not sell, trade, or rent Users personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above.
Third party services
We use third-party sub-processors to process data; such as but not limited to Hubspot, Mail Chimp, Zapier, TrueNorth, Meta and Google. By using this site, Users, agree to the sharing of this information. RIG has robust controls to ensure that any third-party services have the appropriate privacy controls in place.
You, as a User, have control over the data we hold and can contact us at any time to discuss the data held by third parties.
Third party website
Users may find advertising or other content on our Site that links to the sites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website's own terms and policies.
Changes to this privacy policy
Retirement Income Group has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.
Your acceptance of these terms
By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.
Contacting Us
If you have any questions about this Privacy Statement, the practices of this site, or your dealings with this site, please contact us at:
Retirement Income Group Limited
PO Box 10760
Wellington 6143
Legal Terms and Conditions
By accessing the Groups’ websites, you agree to be bound by the Terms and Conditions set out below.
Lifetime Asset Management Limited (LAM), Manager and Issuer of Lifetime Retirement Income Fund, Garrison Bridge Superannuation Scheme, Lifetime Master Trust, Superannuation Master Trust, Future Lifestyle Plan, Personal Superannuation Scheme, Britannia Retirement Scheme, Integral MasterTrust, Britannia Superannuation Scheme 2012 and Britannia Superannuation Scheme reserves the right to vary the information on theGroup’s websites, including these Terms and Conditions, at any time without notice.
Your continued use of the Groups’ websites following any changes to the Terms and Conditions indicates your acceptance of those changes.
Purpose
The content on the Groups’ websites, including tools and calculators, is for information purposes only. The information is of a general nature only and does not constitute personalised financial advice or other professional advice. Before taking any action, you should always consider seeking personalised financial advice relevant to your personal circumstances from a financial adviser.
Jurisdiction
These Terms and Conditions and use of the Groups’ websites are governed by New Zealand law, and they are subject to the exclusive jurisdiction of the New Zealand courts. The information on lifetimeincome.co.nz has been prepared in accordance with New Zealand law for the supply of products and services in New Zealand only.
Disclaimer
To the maximum extent permitted by law, RIG disclaims all liability or responsibility for any direct or indirect loss or damage that may result from any errors or omissions on Group’s websites, including reliance on information contained on the Group’s websites, reliance on the tools and calculators provided on the Groups’ websites, or access to, or use of, or inability to use,lifetimeincome.co.nz.
While care has been taken to supply information on the Groups’websites that is up-to-date and accurate, RIG does not give any guarantee of the accuracy, correctness, adequacy or completeness of such information(including tools and calculators) or its suitability for your intended use. RIG may change the content on the Groups’ Websites (including product and investment information) and these Terms and Conditions at any time without notice.
None of RIG, any of its employees or agents, or any other party, guarantees the performance of any of the investment products contained on the Groups’ websites, gives any warranty of reliability or accuracy, or accepts any responsibility arising in any way from any error or omission. Any projections or predictions or calculations provided by the tools and calculators included on the Group’s websites are not guaranteed.
Where unit prices are shown, while care has been taken in producing and updating unit prices information, members should check the current unit price with RIG before relying on unit price information.
While care has been taken to prevent the introduction of viruses to the Groups’ websites RIG does not guarantee that this website is free from viruses.
RIG does not guarantee the continued availability of the Groups’websites or the continuation of any services provided on it.
Customer Acknowledgement and Indemnity
You agree to follow any instructions supplied to you in relation to the use of the Groups’ websites and you agree not to use, or permit the Groups’ websites or any part, to be used for any illegal or improper purpose. You agree to indemnify RIG and hold us harmless for any loss incurred, or damage suffered by us, our customers or a third party, or for any claim or action which may be brought against us by a member or third party, which is in any way the result of your use of the Groups’ websites, or your failure to take all reasonable steps to prevent unauthorised use of the Groups’, websites.
Links
RIG takes no responsibility for any information contained in any website accessed via one of the Groups’ websites or any other website that is linked to the Groups’ websites. The content, accuracy and opinions expressed in such websites are not necessarily checked, monitored or endorsed by RIG.
Copyright
RIG or its agents or suppliers own the copyright of the information, images, text, screens and web pages appearing on the Groups’ websites. This includes, but is not limited to, all the Groups’ websites content, code, look and feel, text, graphics, logos, button icons, images, audio and video clips and software. It is protected by New Zealand and international copyright law.
The information and materials appearing on the Groups’ websites may not be copied, modified, published, reposted, reused or used to create a derivative work without the express written permission of RIG.