INTRODUCTION

At “Lucia Xiao”, we understand that your privacy and personal information are important to you.  We are committed to taking the utmost care of your information. This Privacy Statement has been written to help you understand how your information is collected, used, managed, and protected by us.

HOW IS YOUR PERSONAL INFORMATION COLLECTED?

Accessing certain parts of www.luciaxiao.co.nz (“the Website”) may require you to first complete a registration form including nominating a username and password.  During the course of your registration, we will collect your personal information such as name, email, address, and phone number (“your information”).  “Lucia Xiao” is the sole owner of your information and will use it to contact you about the services we offer.

“Lucia Xiao” will not use or share your Information in a manner that differs from what is described in this Privacy Statement without your prior written consent.

Your Information together with that of other users of the Website may be aggregated for internal statistical and analytical purposes.  Your information will never be individually identifiable during the course of our internal analyses.

HOW YOUR INFORMATION WILL BE USED?

“Lucia Xiao” will be using your Information for the following purposes:

  • Ensuring content discipline on the Website in a way that is relevant to you and effective for your device;
  • Carrying out any contractual obligations that may arise over the course of our interaction with you;
  • Providing you with the means to participate in interactive features of our service, when you choose to do so;
  • Notifying you of any changes to our business and service;
  • Processing, managing, and administering your application as well as responding to complaints and concerns should you choose to apply for a mortgage or an insurance product through us;
  • Maintaining customer database discipline to provide efficient service to you;
  • Notifying you about changes to our service;
  • Announcing special offers and client events as they may arise from time to time.

We will not be using your Information for the following purposes:

  • Sharing parts or all of your details with third parties without your prior written consent;
  • Recapturing your information once you have unsubscribed from our database.

If you no longer wish to hear from us, simply unsubscribe from our database by clicking on the unsubscribe link in the email you receive.

If you like to remain on our database but wish to opt out of receiving any marketing communications, please email support@luciaxiao.co.nz.

If you choose to use our referral service to tell a friend about this Website, we will ask you for your friend’s name, email address, and phone number.  We will send your friend a one-time email invitation to visit the Website. We store this information for the sole purpose of sending this one-time email and tracking the success of our referral programme.  Your friend may contact us by emailing  support@luciaxiao.co.nz to request to be removed from our database.

HOW WILL YOUR INFORMATION BE MANAGED AND STORED?

Data of your Information will be held as you have provided it.  You are entitled to review your Information and request us to make any necessary changes to ensure that it is accurate and kept up-to-date.  If you wish to do so, please email support@luciaxiao.co.nz

“Lucia Xiao” acknowledges that there is no guarantee of absolute security for any communication sent through the Internet.  In turn, we cannot guarantee the security of any information you send to us via the Internet. “Lucia Xiao” is not responsible for any loss or damage you or others may suffer as a result of the loss of confidentiality of such information sent through such means.

Nevertheless, we are committed to protecting the security of your Information once received.  We use a variety of security technologies and procedures to help protect your Information from unauthorised access, use, or disclosure. Your Information is stored on computer systems and servers with limited access located in controlled facilities.

WE USE COOKIES

A cookie is a very small text file that a website saves to your computer’s hard disk in order to store information that you provide about yourself or your preferences.

“Lucia Xiao” uses cookies when you log in to store your unique ID number and the time you signed in, in an encrypted cookie on your hard disk.  This cookie allows you to navigate the Website without having to log in again on each page. We use session cookies to store data on our server that are individually identifiable.  When you log out of the Website, these session cookies are deleted from your computer.

We use Google Analytics, a web analytics service provided by Google, Inc. (“Google”).  Google Analytics uses “cookies”, which are text files placed on your computer, to help the website analyse how you use the Website. The information generated by the cookie about your use of the Website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the Website, compiling reports on the Website’s activity for “Lucia Xiao” and providing other services relating to website activity and internet usage.  Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however, please note that if you do this you may not be able to use the full functionality of this Website.

By using this Website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

WE MAY UPDATE OUR PRIVACY STATEMENT

From time to time, “Lucia Xiao” will update this Privacy Statement to comply with the laws of the land and/or improve our service standards.  When we do so, we will revise the ‘last updated’ date at the top of this Privacy Statement.

We will obtain your opt-in consent for any updates to this Privacy Statement that materially expand the collection, sharing, or use of your information in ways not disclosed in this Privacy Statement at the time of collection.

PLEASE CONTACT US

If you have any questions regarding this Privacy Statement, please email support@luciaxiao.co.nz

COMPLAINTS 

If during the course of your interaction with the Website you feel that we have failed our duty to protect your personal information, please raise your concerns by emailing support@luciaxiao.co.nz . We will endeavor to investigate and respond to your complaint promptly. You can also complain directly to the Office of the Privacy Commission by clicking here.