Privacy Policy

1. Introduction

AusNZ Finance Daily (https://anzfinancedaily.com) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website. This policy applies to all visitors and registered users.

2. Applicable Privacy Laws

We operate in compliance with applicable privacy legislation, including:

• New Zealand Privacy Act 2020 — governing the collection, use, storage, and disclosure of personal information by New Zealand agencies
• Australian Privacy Act 1988 (including the Australian Privacy Principles) — governing personal information handling by Australian entities and organisations serving Australian users

3. Information We Collect

Information you provide

• Account information: When you create an account to leave comments, we collect your email address and display name
• Comments: Any comments you submit on articles are stored and associated with your account

Information collected automatically

• Usage data: Pages viewed, time spent, referral source, and browsing patterns (collected only with your consent via analytics tools)
• Device information: Browser type, operating system, screen resolution, and IP address
• Cookies: We use cookies for essential site functionality and, with your consent, for analytics and advertising purposes

4. How We Use Your Information

We use collected information to:

• Provide and improve our news and analysis services
• Enable commenting functionality and moderate user-generated content
• Analyse website usage to improve user experience
• Display relevant advertisements (with your consent)
• Send service-related communications where necessary
• Comply with legal obligations

5. Cookies and Tracking

We use a cookie consent banner that allows you to accept or decline non-essential cookies.

• Essential cookies: Required for site functionality (authentication, preferences). These are always active.
• Analytics cookies: Used to understand how visitors interact with our site. Loaded only after you accept cookies.
• Advertising cookies: Used by advertising partners (including Google AdSense) to serve relevant ads. Loaded only after you accept cookies.

You can change your cookie preference at any time by clearing your browser cookies and revisiting the site.

6. Third-Party Services

We use the following third-party services that may process your data:

• Supabase: Authentication and database services (account data, comments)
• Google AdSense: Advertising platform (subject to consent)
• Vercel: Website hosting and analytics

Each third-party service has its own privacy policy. We encourage you to review their policies.

7. Data Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share information in the following circumstances:

• With service providers who assist in operating our website
• When required by law, court order, or government request
• To protect our rights, safety, or the rights and safety of others

8. Data Security

We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. However, no method of transmission over the internet is 100% secure.

9. Data Retention

We retain your personal information only for as long as necessary to fulfil the purposes outlined in this policy, or as required by law. Account data is retained while your account is active. You may request deletion of your account and associated data at any time.

10. Your Rights

Under the NZ Privacy Act 2020 and the Australian Privacy Act 1988, you have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate or incomplete personal information
• Request deletion of your personal information (subject to legal obligations)
• Withdraw consent for non-essential data processing
• Lodge a complaint with the relevant privacy authority

In New Zealand, you may contact the Office of the Privacy Commissioner at privacy.org.nz. In Australia, you may contact the Office of the Australian Information Commissioner at oaic.gov.au.

11. Children's Privacy

Our website is not directed at children under the age of 16. We do not knowingly collect personal information from children. If you believe we have inadvertently collected such information, please contact us so we can promptly delete it.

12. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically.

13. Contact

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us at anzfinancedaily@gmail.com.