ApexMoney Privacy Policy

This Privacy Policy explains how ApexMoney collects, stores, uses, protects, and shares personal information.

By creating an account or using ApexMoney, you agree to the collection and use of information in accordance with this Privacy Policy.

ApexMoney is an online educational and financial organisation platform.

For privacy purposes, the organisation responsible for collecting and managing your personal information is:

ApexMoney Privacy Officer Email: help@apexmoney.co.nz

We may collect personal and financial information that you provide directly, including:

We may collect information when you:

We collect personal information to:

ApexMoney may collect financial information that you enter into the platform.

This may include income, expenses, account balances, savings goals, mortgage details, KiwiSaver details, investment details, insurance details, and other financial information.

This information is used to provide the platform's educational, budgeting, dashboard, account-structure, savings, and reporting features.

ApexMoney does not use this information to provide personalised financial advice.

If you book a MoneyMap Coaching Session through ApexMoney, we may collect and use your contact details, selected booking time, selected coaching topic, notes, payment status, and related communications for the purpose of managing the booking and providing the session.

If you request to speak with an adviser through ApexMoney, we may share relevant contact details and referral information with My Wealth or another adviser.

This may include your name, email address, phone number, type of advice requested, relevant notes or referral context, and the platform page or section where the referral request was made.

We will only share adviser referral information where you request or consent to that referral.

Any coaching session or advice relationship with My Wealth or another adviser is separate from the self-service ApexMoney platform and may be subject to separate terms, fees, disclosures, and advice processes.

Payments may be processed by a third-party payment provider, such as Stripe or another secure payment processor.

ApexMoney may receive payment status, subscription status, transaction references, invoice details, refund status, or limited billing information.

ApexMoney does not intend to store full credit card details. Full card details are generally collected and processed by the relevant payment provider and are subject to that provider's own security processes, terms, and privacy practices.

We may use your information to:

We may share personal information with:

We will take reasonable steps to protect personal information from loss, unauthorised access, misuse, disclosure, alteration, or destruction.

Security measures may include access controls, password protection, secure hosting, encryption where available, and limiting access to authorised personnel or service providers.

No online platform can guarantee complete security.

You may request access to personal information we hold about you.

You may also request correction of personal information if you believe it is inaccurate, incomplete, or out of date.

You can update some information directly through your ApexMoney account.

For access or correction requests, contact: info@apexmoneymap.co.nz

We will keep personal information only for as long as reasonably required for the purposes for which it was collected, including providing the platform, meeting legal obligations, resolving disputes, maintaining records, and supporting legitimate business needs.

When information is no longer required, we will take reasonable steps to delete, de-identify, or securely store it.

If you close your account, we may retain certain information for a reasonable period where required for legal, tax, accounting, billing, dispute-resolution, security, or legitimate business purposes.

Where possible, we may delete or de-identify information that is no longer needed.

ApexMoney may use cookies, analytics tools, or similar technologies to operate the platform, remember preferences, improve performance, monitor errors, and understand usage patterns.

You may be able to control cookies through your browser settings, although some platform features may not work properly if cookies are disabled.

Some third-party service providers may store or process personal information outside New Zealand.

Where this occurs, we will take reasonable steps to ensure personal information remains protected in accordance with applicable New Zealand privacy requirements, including requirements relating to overseas disclosure of personal information.

This may include using service providers that are subject to comparable privacy protections, contractual safeguards, or other appropriate privacy and security measures.

ApexMoney is intended for adult users.

You must be at least 18 years old to create an account, subscribe to ApexMoney, book a MoneyMap Coaching Session, or use paid services through the platform.

ApexMoney is not intended to be used directly by children.

If a privacy breach occurs, we will take reasonable steps to contain, assess, and respond to the breach.

If a privacy breach has caused, or is likely to cause, serious harm, we will notify the Office of the Privacy Commissioner and affected individuals as soon as reasonably practicable, in accordance with applicable New Zealand privacy requirements.

We may update this Privacy Policy from time to time.

If we make material changes, we may notify users by email, platform notification, or by requiring acceptance of the updated policy at next login.

For privacy questions, access requests, correction requests, deletion requests, or privacy complaints, contact:

ApexMoney Privacy Officer Email: help@apexmoney.co.nz