Privacy and Legal Information

Privacy Policy

 

This Privacy Policy governs the manner in which Retirement Income Group Limited ("Retirement Income Group") collects, uses, maintains and discloses information collected from users (each, a "User") of the www.lifetimeincome.co.nz website ("Site"). This privacy policy applies to the Site and all products and services offered by Retirement Income Group.

Personal identification information

We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, register on the site, and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities.

Non-personal identification information

We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.

Web browser cookies

Our Site may use "cookies" to enhance User experience. User's web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User 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 Site may not function properly.

How we use collected information

Retirement Income Group may collect and use Users personal information for the following purposes:

  • To improve customer service: Information you provide helps us respond to your customer service requests and support needs more efficiently.
  • To personalize user experience: We may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site.
  • To improve our Site: We may use feedback you provide to improve our products and services.

How we protect your information

We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.

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 websites

Users may find advertising or other content on our Site that link 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 Policy, the practices of this site, or your dealings with this site, please contact us at:

Retirement Income Group Limited

PO Box 10760

The Terrace

Wellington 6143

retire@lifetimeincome.co.nz

 

Legal Terms and Conditions

By accessing the Retirement Income Group Limited ("Retirement Income Group") Website ("Website"), you agree to be bound by the terms and conditions set out below.

The domain name for the Website is owned by Retirement Income Group. The Website, content, and information available through the Website are owned and operated by Retirement Income Group.

Each page on the Website must be read in conjunction with this disclaimer and any other disclaimer that forms part of the Website.

Retirement Income Group has taken all reasonable care to ensure the accuracy of the information available on or through the Website. However, it is of a general nature only and does not take into account any individual's or group of individuals particular circumstances. Retirement Income Group makes no warranty, express or implied for accuracy, correctness, completeness or use of information that is available on or through the Website.

Retirement Income Group reserves the right to change the information on the Website, including these terms, at any time without notice. Please check these terms on a regular basis for changes. Any use of the Website after changes have been made to the terms indicates that you accept any changes Retirement Income Group has made.

Investment information

The information that is provided on this site is designed to provide general information only and does not take into account any individual's particular circumstances. It is not intended to provide investment advice. You should not rely on the information contained in this Website solely when making investment decisions.

None of Retirement Income Group or any of its related companies, or their directors, accept any liability for the reliance of any person on information contained in this Website or guarantee the repayment of capital or the performance or any particular rate of return from a fund.

While every care has been taken in producing and updating pricing, fees or details relevant to the investment on the Website, Retirement Income Group reserves the right to amend that information at any time.

Any historical returns set on this website are intended as a guide only. Past performance is not necessarily an indicator of future performance.

Disclaimer

While Retirement Income Group believes the information contained within this Website is accurate at the time of compilation, neither Retirement Income Group nor any company or person associated with this Website takes any responsibility for any incorrect or outdated information contained herein. In preparing this Website, the author has not taken any individual investor's personal circumstances into account and this Website should not be relied upon as the basis for an investment decision.

Copyright

Retirement Income Group owns the copyright to the information available on this Website including images, text, screens, web pages and logos. The information available on the Website may not be copied, re-used (other than as expressly intended by this site), modified or published without the written permission of Retirement Income Group. If you would like to use the information and services on this Website, for uses other than the intended use, please contact us.

User Conduct

With the exception of personally identifiable information, the use of which is covered under our Privacy Policy any material you send or post to this Website shall be considered non-proprietary and not confidential. By posting content to this Website you agree we will be free to copy, disclose, distribute, incorporate and otherwise use such material for any and all purposes.

When using this website you shall not post or send to or from this Website any material:

  • for which you have not obtained all necessary consents;
  • that is discriminatory, obscene, pornographic, defamatory, liable to incite hatred, in breach of confidentiality or privacy, which may cause annoyance or inconvenience to others, which encourages or constitutes conduct that would be deemed a criminal offense, give rise to a civil liability, or otherwise is contrary to the law; or
  • which is harmful in nature including, and without limitation, computer viruses, Trojan horses, corrupted data, or other potentially harmful software or data.

By posting content to this Website, you warrant and represent that you either own or otherwise control all of the rights to that content, including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the content, or that your use of the content is a protected fair use.

Retirement Income Group has no responsibility for the content of any material posted by Users and Users are individually liable for the accuracy and authenticity of their postings. Posts, comments and content posted by Users contain the opinions and views of theirs or others and Retirement Income Group is not responsible for such content. If a User violates this Agreement Retirement Income Group reserves the right in its sole discretion to: a. edit or delete in whole or in part such User's posted material appearing on www.lifetimeincome.co.nz; b. refuse access to all or portions of www.lifetimeincome.co.nz to such User; and/or c. terminate such User's right to access or use and/or membership.

Links

Any links and references to other websites are provided for convenience and informational purposes only, and do not represent any endorsement by RIG of those websites or any information contained in those websites.

Retirement Income Group accepts no responsibility in relation to information on any other websites.

Under no circumstances should you create a link to this Website, without prior consent of Retirement Income Group. If you create a link to anywhere on the Website, Retirement Income Group accepts no responsibility for any loss, damage, liability or costs which arise from or in connection to the link.

New Zealand Law

The terms and conditions applicable to our Website are governed and construed in accordance with New Zealand law.