Privacy Policy
How we collect, use, and protect your information.
Last Updated: April 25, 2025
At Risk Rater, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform. Please read this Privacy Policy carefully. By accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy.
1Information We Collect
We collect information that you provide directly to us, information we collect automatically when you use the Service, and information from third-party sources.
Information You Provide to Us
We collect information you provide directly to us, including:
- Account Information: When you register for an account, we collect your name, email address, password, and other information necessary to set up your account.
- Profile Information: Information you provide in your user profile, such as your company name, role, and contact details.
- Client Information: Information about your clients that you input into the Service for risk rating and compliance purposes.
- Payment Information: If you subscribe to our paid services, we collect payment information, which may include credit card details, billing address, and other financial information.
- Communications: Information you provide when you contact us for customer support or otherwise communicate with us.
Information We Collect Automatically
When you use our Service, we automatically collect certain information, including:
- Log Information: Information about your use of the Service, including the type of browser you use, access times, pages viewed, and your IP address.
- Device Information: Information about the device you use to access the Service, including the hardware model, operating system, and unique device identifiers.
- Usage Information: Information about your interactions with the Service, such as the features you use and the actions you take.
- Cookies and Similar Technologies: We use cookies and similar technologies to collect information about your browsing behavior and preferences.
2How We Use Your Information
We use the information we collect for various purposes, including:
- Providing, maintaining, and improving the Service
- Processing transactions and managing your account
- Sending you technical notices and security alerts
- Responding to your comments and questions
- Monitoring usage and analyzing trends
- Detecting and preventing fraud and security issues
- Personalizing and improving your experience
- Communicating with you about our products and services
- Providing customer support for your inquiries
3How We Share Your Information
We may share your information in the following circumstances:
- With service providers who perform services on our behalf
- With business partners with whom we jointly offer products or services
- In connection with a merger, sale of company assets, financing, or acquisition
- If we believe disclosure is necessary to comply with applicable laws or legal processes
- To protect the rights, property, and safety of Risk Rater, our users, and the public
- With your consent or at your direction
4Data Security
We take reasonable measures to help protect your personal information from loss, theft, misuse, unauthorized access, disclosure, alteration, and destruction. All data is encrypted both in transit and at rest using industry-standard encryption protocols. However, no security system is impenetrable, and we cannot guarantee the security of our systems or your information.
5Data Retention
We retain your information for as long as necessary to provide the Service and fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. For client information used for AML/CFT compliance, we retain records for at least 5 years as required by New Zealand regulations.
6Your Rights and Choices
You have certain rights and choices regarding your personal information:
- Account Information: Update your account information by logging into your account settings.
- Marketing Communications: Opt out of receiving promotional emails by following the instructions in those emails.
- Cookies: Most web browsers are set to accept cookies by default. You can usually choose to set your browser to remove or reject cookies.
- Access and Correction: You have the right to access and correct your personal information.
- Data Portability: You can request a copy of your personal information in a structured, commonly used, and machine-readable format.
7International Data Transfers
Your information may be transferred to, and processed in, countries other than the country in which you reside. These countries may have data protection laws that are different from the laws of your country. We take appropriate safeguards to require that your personal information will remain protected in accordance with this Privacy Policy.
8Children's Privacy
The Service is not directed to children under the age of 16, and we do not knowingly collect personal information from children under 16. If we learn that we have collected personal information from a child under 16, we will take steps to delete such information as soon as possible.
9Changes to this Privacy Policy
We may update this Privacy Policy from time to time. If we make material changes, we will notify you by updating the date at the top of the policy and, in some cases, providing additional notice. Your continued use of the Service after the revised Privacy Policy has become effective indicates that you have read, understood, and agreed to the current version.
10Contact Us
If you have any questions about this Privacy Policy or our privacy practices, please contact us at:
Email: privacy@riskrater.co.nz
Address: 123 Queen Street, Auckland CBD, New Zealand