Privacy Policy

1. Introduction

EziBills Limited (NZBN: [Your NZBN]) ("we", "us", "our") operates the EziBills platform (the "Service"). We are committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 2020 (New Zealand).

This Privacy Policy explains how we collect, use, disclose, and protect your personal information.

2. Information We Collect

2.1 Information you provide

• Account information: name, email address, phone number, and information you provide during registration
• Recipient information: recipient name and NZ bank account details
• Transaction information: amounts, dates, payment references/particulars, and history
• Support communications: messages you send to us

2.2 Information collected automatically

• Device and log data: IP address, browser type, operating system, device identifiers
• Usage data: pages viewed, features used, timestamps, and interactions
• Cookies: as described in Section 7

2.3 Payment card information

We do not store your full credit or debit card number. Card details are processed by our payment partners (such as Airwallex) in accordance with applicable security standards (e.g., PCI-DSS).

3. How We Use Your Information

• Provide the Service and enable payments to third parties
• Authenticate you and secure your account
• Send confirmations, receipts, and service notifications
• Prevent, detect, and investigate fraud and prohibited use
• Provide customer support
• Comply with legal and regulatory obligations in New Zealand
• Improve the Service (analytics, troubleshooting, performance)
• Send marketing communications where you have consented or where permitted by law (you can opt out)

4. How We Share Your Information

4.1 Service providers

• Payment processing partners: such as Airwallex, to process card payments and transfer funds to recipients
• Hosting and infrastructure providers: to operate the Service
• Email/communications providers: to send transactional emails
• Analytics/security providers: to help protect and improve the Service

4.2 Legal and compliance disclosures

• Regulators, law enforcement, courts, or government agencies where required or authorised by law
• Professional advisers (e.g., legal, accounting) where reasonably necessary

We do not sell your personal information to third parties.

5. Data Security

• Encryption in transit (HTTPS/TLS)
• Secure authentication and access controls
• Password hashing and account protection measures
• Monitoring and security reviews

No system is completely secure. You are responsible for keeping your login details confidential.

6. Data Retention

We retain personal information only as long as necessary to provide the Service, comply with legal obligations, resolve disputes, and maintain security. When you close your account, we will delete or anonymise personal information within a reasonable period unless retention is required or permitted by law.

7. Cookies

• Essential cookies: authentication, security, session management
• Optional analytics cookies: to understand usage and improve performance

You can control cookies through your browser settings. Disabling essential cookies may affect Service functionality.

8. Your Rights

Under the Privacy Act 2020 (NZ), you may have the right to:

• Request access to personal information we hold about you
• Request correction of inaccurate or incomplete information
• Make a complaint if you believe we have breached our privacy obligations

9. Overseas Transfers

Some service providers may process or store information outside New Zealand (for example, where cloud infrastructure is hosted). Where personal information is disclosed overseas, we take reasonable steps to ensure it is protected in a manner consistent with the Privacy Act 2020 (NZ).

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the updated policy on our website and may notify you of significant changes via email or through the Service.

11. Contact Us

If you have questions about this Privacy Policy or wish to make a privacy request, please contact:

Privacy Officer
EziBills Limited
Email: support@ezibills.co.nz
NZBN: [Your NZBN]
Address: [Registered Business Address], New Zealand

12. Complaints

If you are not satisfied with our response to a privacy complaint, you may contact the Office of the Privacy Commissioner (New Zealand):

Website: privacy.org.nz