Legal Disclaimer

This website has been developed in good faith to provide you with awareness and tools that you can use to help you improve your financial position. However, please note that:

  • if you require advice related to financial products (including a recommendation or opinion about whether or not to acquire or dispose of a financial product) you should talk to a registered financial services provider;
  • before you choose to implement any changes to your financial position, you must satisfy yourself as to its suitability for your situation, needs and objectives.

Love My Money offers content, tools, calculators, and guides into how to use these items. Any calculations or estimated savings, or options for actions you can take, do not constitute a quote or advice. The assumptions in our tools and calculators may not always apply or be relevant to your particular situation. The information and outputs we provide are a starting point, illustration or estimate of what you may be able to achieve based on the accuracy and completeness of the information you have supplied. You should seek the services of a financial adviser if you require advice related to a financial product(s). If you do not have a financial adviser, you can connect with one of the Love My Money Partners. Love My Money may receive an introduction fee or commission from the product provider if you choose to use their services.

Please note that:

  • Love My Money cannot be held liable for any decisions you may make on the basis of the information on this site.
  • Neither Love My Money, nor its associated directors, employees, contractors, or agents will guarantee the performance of any financial product you choose to take on board.
  • We do not warrant any financial provider's information, advice or products, including that of any Partner or person listed on our site.
  • We do not make any representations (express or implied) regarding the information, tools, calculators, guides or any other materials contained or referred to on the LMM website, and we do not accept any liability for any loss or damage which may arise out of use of the LMM website or its contents, any errors or omissions related to the same, or the accuracy of any information provided or obtained through the LMM website.
  • We cannot guarantee that the LMM website will always be accessible, uninterrupted or error-free, or that all errors will be corrected.

Tracey Hunter (FSP111464) the Director of Love My Money is a Registered Financial Adviser (RFA). Viridian Solutions Limited (trading as Love My Money) is registered as a Financial Services Provider (FSP277085). Both are members of the Financial Services Complaints Limited (FSCL) disputes resolution scheme and a full Disclosure Statement is available on request and free of charge.

Security

We use a variety of security technologies and procedures to help protect your personal information from unauthorised access, use, or disclosure, such as encryption, passwords, and physical security. While we strive to protect your personal information, Love My Money cannot ensure or warrant that your personal information or private communications with us will remain private, and you do so at your own risk.

If a password is used to help protect your accounts and personal information, it is your responsibility to keep your password confidential. Do not share this information with anyone and do not reuse passwords across different sites. If you are sharing a computer with anyone, you should always log out before leaving a site or service to protect access to your information from subsequent users.

Data encryption: If you are using a security-enabled browser, the information you send us regarding your purchase is encrypted, making it extremely difficult to read even if it is wrongly intercepted. Love My Money utilises industry-standard Secure Sockets Layer (SSL) technology to allow for encryption of potentially sensitive information such as your name, address, and critically sensitive information like your credit card number.

Credit Card Information Security Policy

Love My Money uses the Windcave New Zealand Limited (formerly DPS Payment Express) payment solutions for its online credit card transactions. Windcave processes online credit card transactions for thousands of merchants globally, providing a seamless online payment service.

  • Payments are processed in real-time
  • Love My Money does not have access to your full card number
  • Windcave solutions provides PCI-compliant payment solutions, certified with all major acquirers and card schemes globally

Visit www.windcave.com for more information on online credit card payments.

Privacy Policy

Any personally identifiable information will be stored in accordance with good industry practice and privacy legislation in New Zealand, and will be used for the purposes of facilitating your use of the LMM website and services. Love My Money will not sell, exchange, or release any of your personal and/or financial information to a third party without your express permission or as required by law or governmental order. However, Love My Money may share, exchange, sell, or publicly disclose compiled, aggregated data containing no personally identifiable information.

You can use the LMM website without providing your personal information, but some services will not be available unless you provide a minimum amount of personal information.

How do we collect your personal data?

We collect your personal data through the following methods:

1. Creating a Love My Money account:

When you sign up for a Love My Money account, we collect certain personal data so you can use our services such as your name, e-mail address, and mobile number.

2. Using Love My Money:

When you use any of our tools and calculators or information, we collect information about you, including financial information. The type of information that we collect depends on the particular tool or calculator that you are using. For example, when using the My Budget tool, we collect information about your total income and expenses.

3. Using the services of a Love My Money Partner listed on our site:

If you want to use one of the Partners listed on our site, you can provide us with permission to share the information we hold about you with them.

4. From third parties:

If you come from a third party, we may receive personal data from that third party, but you should have provided consent to that third party sharing your information with us.

What personal data do we collect from you?

1. Account Registration Data:

This is the personal data that you choose to provide in order to create your account. This includes your name, e-mail address, and mobile number.

2. Personal Information:

You have the option to provide additional information such as your phone number, gender, date of birth, and employment information as part of your Account information.

3. Financial Information:

When you use the Love My Money tools, you will input financial information, including information such as your income, expenses, assets and debts.

Why do we collect your personal data and what do we use it for?

1. Creating and managing your account:

We use your name, e-mail address, and mobile number to create your Love My Money account. We use the e-mail you used to register your Love My Money account to help you reset your password and regain access to your account.

2. Use of Love My Money:

We use your personal information in the tools and calculators to provide outputs and information to you. We may use web measurement tools to tell us how people are using Love My Money. We will use information to improve the Love My Money website and user experience.

3. Communications to you:

We use your information to provide communications to the email address you used to create your account. These communications are about Love My Money, latest news, updates, and financial matters we believe are relevant and useful for you. You can choose to unsubscribe at any time by clicking the “Unsubscribe” link found at the bottom of each e-mail we send to you.

Sharing your personal data

Your personal information will only be accessible or provided to:

  1. Individuals you have chosen to share your Love My Money account with (for example, a person you are in a trusted relationship with)
  2. A Love My Money Partner or an adviser or other third party you have decided to engage with
  3. If we are required to disclose your information by law or court order

Queries, Complaints, Updates or Corrections to your Personal Information

If you want to check the personal information we hold about you or have a complaint or question, please address this to [email protected]

Please update or correct your information as needed via the tools or information fields provided on the Love My Money website.

Data retention and deletion

You can choose to delete your Love My Money account at any time by going to your Account Settings and clicking "Close My Account". This will permanently delete the information you have provided to Love My Money together with your account.

If you want to delete your information but keep your Love My Money account, you must send an e-mail request to [email protected]

Your Rights and Preferences

The General Data Protection Regulation or "GDPR" is a new European Union law that gives the following rights to EU citizens in relation to their personal data:

Right to information - the right to ask what personal data about yourself is being processed and the reasons behind such processing

Right of access - the right to be informed and request access to the personal data we have about you

Right to rectification - the right to request that your data be either amended or updated where it is inaccurate or incomplete

Right to withdraw consent - the right to withdraw a previously given consent regarding the processing of your personal data

Right to object - the right, at any time, to object to the processing of your personal data relating to your particular situation or for direct marketing purposes

Rights in relation to automated decision making and profiling - the right to not be subject to decisions based on automated decision making such as profiling that could potentially affect you from a legal or a similarly significant context

Right to erasure - the right to request for your data to be deleted

Right to data portability - the right to request a copy of your personal data in a digital format and the right to transfer that data to another party's service

Subscription Payments and Changes

Paid subscriptions are due in advance on the day you register for the subscription. For subscriptions that are payable on a monthly basis, payment is due on the same day of each following calendar month. You can change your subscription, or close your account, on the My Account page. Changes and closures take effect from the time they are actioned by us.

Intellectual Property

Viridian Solutions Limited owns the content (including tools, calculators and information) on lovemymoney.co.nz unless stated otherwise. Love My Money content, logos, trademarks, and look and feel may not be used without our written permission.

Reproducing material or links to the Love My Money website

All users are allowed to view and copy free materials from lovemymoney.co.nz, for their own personal use. Members are also allowed to view and copy member-only material for their own personal use. Any other reproduction (including by electronic means) of lovemymoney.co.nz, or any of our other publications, in whole or in part, is forbidden without our written permission. Please address requests to [email protected]

You may create a hyperlink to our site from another website provided you do not imply that Love My Money has an association with your site or endorses your product.

Changes to these Terms

We may change these terms and conditions by publishing new terms and conditions on the LMM website from time to time. Any change takes place from the time the revised terms are first displayed on our website.