Privacy policy

Introduction

RatePal (“we”, “us”, “our”) operates the website ratepal.co.nz. This privacy policy explains how we collect, use, store and protect your personal information when you visit our website. We are committed to complying with the Privacy Act 2020 (New Zealand).

Information we collect

RatePal is a comparison and information tool. We do not require you to create an account or provide personal details to use our services. However, we may collect the following information:

• Usage data — pages visited, time on site, browser type, device type, referring URL and similar analytics data collected through Google Analytics and Yandex Metrica.
• Contact information — if you contact us by email, we collect your email address and message content.
• Calculator inputs — values you enter into our mortgage calculator, repayment planner and other tools are processed in your browser only and are not transmitted to or stored on our servers.

How we use your information

We use the information we collect to:

• Understand how visitors use our website so we can improve it.
• Respond to queries and feedback sent via email.
• Monitor and prevent technical issues.

We do not sell, rent or share your personal information with third parties for marketing purposes.

Cookies

Our website uses cookies and similar technologies to analyse traffic and improve user experience. These include:

• Google Analytics — collects anonymised usage data to help us understand how visitors interact with the site.
• Yandex Metrica — provides anonymised analytics including session replay (WebVisor) to identify usability issues.

You can disable cookies through your browser settings. Disabling cookies will not affect the core functionality of our comparison tools.

Third-party links

Our website contains links to external websites, including banks and financial providers. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policy of any website you visit.

Data storage and security

We take reasonable steps to protect any information we hold from misuse, loss, unauthorised access, modification or disclosure. Our website is served over HTTPS and hosted on secure infrastructure.

Your rights

Under the Privacy Act 2020, you have the right to request access to and correction of any personal information we hold about you. To make a request, contact us at ratepalnz@gmail.com.

Changes to this policy

We may update this privacy policy from time to time. Any changes will be posted on this page with an updated revision date.

Contact

If you have any questions about this privacy policy, please contact us at ratepalnz@gmail.com.