The internet offers the chance to collect information about site users. This information can be personally identifiable information or aggregated information. However your privacy is important to AMP and Stratus Financial Services Limited, and we want to be sure that you understand the terms and conditions relating to the way in which we collect information and the use of that information. This Privacy Policy tells you what information we collect, what we do with it and your rights to view, correct or change it.

The Office of the Privacy Commissioner (https://www.privacy.org.nz) provides further details of the New Zealand Privacy Act and how it protects personal information in New Zealand.

The Information That We Collect
As part of our operations Stratus Financial Services Limited may gather certain types of information about the users of our sites:

1. Personally Identifiable Information. This is provided by you when you register for services that we may offer. Examples of these services could include email newsletters or competitions. Providing this information will always be optional for you. However, some services may not be available to you if you chose not to provide it.
2.  Aggregated Data. This information is generated by our systems as they track traffic through our sites. This information does not identify you personally and is not linked to the personally identifiable information that you may have provided.

Who We Share This Information With
We will not share the information that we collect with any third parties apart from in the following circumstances:

1. The information is hosted with a service provider. Our agreements with them protect the information that we collect from any use by them that we have not authorised.
2. The aggregated data (not the personally identifiable information) may be shared with third parties such as advertisers or business partners.
3. Your personally identifiable information may be shared with third parties when we believe in good faith that we are required to do so by law.
4. If we have asked your prior permission (which we would usually do at the time of collection), we may share the information with specified third parties.

What Else We Do with the Personally Identifiable Information
We have collected this information in order to provide the best possible service to you while you are visiting our sites. To this end we may use the information that you provide for the following purposes:

1. To verify your identity if you need help with a forgotten password or you are having login problems with one of our site services.
2. To process any transactions that you might make on our site.
3. To help provide any other services that you have requested.
4. To offer the most relevant information suitable to you and your interests.
5. For any marketing, promotional, publicity, direct marketing or market research that we might undertake.
6. For any other purposes for which you have given permission.

What about Cookies?
A cookie is a small file that resides on your computer and is recognised by our server when you visit our sites. A cookie does not provide us with any personally identifiable information. It does provide details of your IP address, the computer platform that you use (e.g. Mac or Windows), the browser that you use (e.g. Internet Explorer, Google Chrome or Mozilla Firefox) and what domain you are accessing our sites from. With this information we can do the following:

1. Track traffic patterns to our site.
2. Ensure that the most relevant content is being shown.
3. Allow you to enter certain site member services without having to log in each time you visit.

If you would rather we did not use cookies with you, you can refuse them by turning them off in your browser and/or deleting them from your hard drive. You will still be able to visit our sites.

What about Our Advertisers and Business Partners?
This Privacy Policy only relates to our site. You should be aware that we are not responsible for the practices of our advertisers or business partners. Our site may contain links to other sites. You should check their privacy policies before providing personally identifiable information to them or any other third party.

Opting In and Opting Out
You will always have the option to opt in to certain services and to opt out of those services at any stage. This means you may change your mind at any stage about participating in any of our member services.

Can We Change This Policy?
In order to reflect the fact that our business is growing constantly, we reserve the right to change this policy at any time.

Your Right To Access Your Information
The Privacy Act of 1993 gives you the right to access and correct this information. To find out more about how to do this, please contact us, Stratus Financial Services Limited, using the contact details on this site.