Privacy Policy

This privacy policy applies to Ralfe Advisory Limited (“our, us, or we) and expresses our commitment to how we protect your personal information.

Our privacy policy is to help you understand how we may collect, use, disclose and protect the information we collect from you when you interact and correspond with us, engage to use our services or visit our website, social media sites or other online products. This privacy policy applies to all or our employees, contractors, and any other third-party entities that at our direction have access to your personal information.

Consent

By using our services and accessing our website and social media sites, you accept our Privacy Policy and consent to our collection, use, storage and disclosure of your personal information in accordance with this Privacy Policy. Each time you use our services, access our website and social media sites and any time you voluntarily provide us with information, you agree that you are consenting to our collection, use and disclosure of the information that you provide as described in this Privacy Policy.

If you have objections to our Privacy Policy, you should notify us immediately and not submit personal information to us. Further information on privacy principles, rights and responsibilities is also available from the New Zealand Privacy Commissioner (NZPC) at www.privacy.org.nz.

Provision of your personal information is optional. If you do not consent and choose not to provide us with the personal information we reasonably require, or you fail to notify us of changes in your personal information in a timely manner, we may not be able to efficiently provide the services you have engaged us to perform, or to contact you when required.

Collecting your personal information

We may collect personal information depending on your dealings with us which may include information, documentation and records about your:

• name and title
• contact information such as addresses, email addresses and telephone numbers;
• personal details such as date of birth, place & country of birth, IRD number etc;
• family details such as your spouse or partner and / or children etc;
• publicly available information such as Companies Office information;
• communications and other interactions with us either written or verbal;
• financial and tax information obtained through the functions of delivering our services to you;
• billing information obtained as a result of delivering our services to you;
• verification of identity information such as photos, biometric liveness test or other public identification documents required to be collected and held by us under anti-money laundering legislation and international tax reporting agreements;
• interactions with our website, social media sites or other online products.

 

We may collect this personal information from you or from third parties through:

• personal contact or correspondence with you via email, telephone or text;
• use of our website, social media sites or other online products;
• conferring with third parties such as Inland Revenue, Companies Office, ACC, lawyers, banks or other financiers, or investment advisors on your behalf;
• requesting information from publicly available sources.

How we use your personal information

We may collect your personal information in order to:

• deliver the financial reporting, tax compliance, business or tax advisory and other services for which you have engaged us;
• bill / invoice you and collect any debt owed to us by you;
• facilitate our compliance with statutory obligations and obligations arising from our membership of professional bodies;
• if you have not opted out, contact you with information we believe may be of interest to you such as newsletters;
• if you have not opted out, contact you with marketing materials about our products and services or those of our carefully selected third-party partners.

We may also assign a unique identifier to you for use in our operations to enable undertake our functions and to efficiently provide the services requested by you.

Sharing your personal information

There may be times when we need to share your personal information with third parties located both inside and outside New Zealand, however we will not disclose it to other agencies unless:

• it is reasonably necessary for one of the purposes for how we use your information described above;
• having regard to the nature of the information or the circumstances of collection we believe you would expect us to make the disclosure;
• we are required or authorised by law (including any of the Revenue Acts) or court or tribunal; or
• you have provided your consent.

We will never sell your personal information. We may however disclose your personal information and a broad business profile to:-

• Government agencies, statutory authorities and industry regulators including law enforcement agencies;
• agencies that assist us in the detection and prevention of fraud, including the third-party service we use to verify your identity when you choose to undertake a biometric check;
• our auditors, insurers, lawyers or other financial or professional advisers;
• our staff or subcontractors;
• our associated companies or subsidiaries including those established in the future;
• trusted third-party service providers that facilitate our ability to provide our products and services to you, such as tax pooling intermediaries, cloud-based software providers, audit insurers, backup and archival providers, email platforms and batch mail providers;
• debt collection agencies for the purpose of recovering outstanding fees from you;
• other third-parties where necessary to the operation of our business.

Third-party providers are carefully selected, and in utilising their services, your personal information is given solely to enable them to provide their products and services to us, and thereby to enable us to provide our products and services to you. Your personal information is not to be used by any of these providers for any other purpose.

Protecting your personal information

We take reasonable steps to ensure that your personal information that we collect, use or disclose is accurate, complete and up-to-date.
We keep your information safe by taking reasonable steps to safeguard your information so that it is not misused, lost, modified, accessed by unauthorised persons or disclosed without authorisation.

Destruction of your personal information

We only retain your personal information for as long as is necessary for the purposes for which that personal information was collected, and to the extent permitted or required by law.

When records are no longer required to be retained for our business purposes or by law, we use secure methods to erase or permanently de-identify your personal information from our systems and / or destroy using secure document destruction services unless you ask us to send the information to you.

Accessing, updating and correcting your personal information
You have the right to access your personal information if we hold that personal information in a way that it can be readily retrieved, subject to some exceptions provided at law. We will not be able to provide personal information if:

• we do not know or don’t have reasonable grounds to believe it is personal information about you, or
• if disclosing the information would involve the unwarranted disclosure of the affairs of another individual, or
• where providing access would be unlawful or be likely to prejudice enforcement related activities carried out by us or an enforcement body.

You can request that your personal information held by us be updated or corrected at any time. If it is reasonable in the circumstances for us to do so, we will make the requested update or correction, otherwise we’ll take reasonable steps to mark that information as having been subject to a change or correction request.

If you want to request access to, or update or correct any of your personal information held by us, please make any such requests in writing, giving as much information as possible about the information you want to access, update or or correct.

Changes to our Privacy Policy

We may change this Privacy Policy from time to time and we will tell you about a change in the policy by posting an updated policy on our website and posting the date we have last updated it. Any change we make applies from the date we post it on the website.
This Privacy Policy was last updated on 20th November 2025.
By continuing to use our services, and access our website and social media sites, you accept these changes and this Privacy Policy as it applies from time to time.

Complaints or enquiries about our Privacy Policy

If you have a complaint regarding the way we have handled your personal information, or questions about this Privacy Policy and your personal information we hold, please contact our Privacy Officer Bevan Ralfe on 03 930 0041 or by email hello@ralfeadvisory.co.nz

We will endeavour to respond to your complaint or enquiry within a reasonable period from when it is received.

If you are not satisfied with our response to your complaint or enquiry you can contact the Office of the New Zealand Privacy Commissioner (NZPC) at www.privacy.org.nz.