[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"gocio-privacy-statement":3},{"fullWidthTemplates":4,"headers":827,"footers":1023},[5],{"url":6,"name":7,"hideBreadcrumbs":8,"pageMetadata":8,"excludeSitemap":9,"contentSections":10,"footerDisclaimers":825,"theme":8,"invertBreadcrumbsColour":8,"breadcrumbParent":8,"id":826,"adminTitle":7,"showChatbot":8},"gocio-privacy-statement","GoCIO Privacy Statement",null,false,[11],{"__typename":12,"id":13,"name":7,"headingText":14,"subheadingText":8,"thumbnail":8,"articleCategories":15,"author":16,"date":17,"articleContent":18},"Article","cmr14b6temi1r071fhnbp7vco","GoCIO Limited Privacy Statement",[],[],"2026-07-01",{"raw":19,"references":824},{"children":20},[21,26,31,35,38,42,46,50,298,301,305,309,312,316,319,323,326,330,333,336,500,503,507,510,514,517,520,523,527,530,687,690,694,697,701,705,709,713,717,720,724,727,731,735,739,742,746,749,753,757,768,772,775,779,782,786,789,793,796,800,803,807,810,814,817,821],{"type":22,"children":23},"heading-three",[24],{"text":25},"1. About this privacy statement",{"type":27,"children":28},"paragraph",[29],{"text":30},"",{"type":27,"children":32},[33],{"text":34},"This privacy statement applies to personal information collected by GoCIO Limited, a company incorporated in New Zealand (company number 9385392) and related companies of Generate Funds Limited (in this notice, ‘we’, ‘us’, ‘our’) from or about our customers and prospective customers, and persons related to them (‘you’, ‘your’), when our customers and prospective customers interact with us, including through our website, and when they request information about, or apply for our products and services.",{"type":27,"children":36},[37],{"text":30},{"type":22,"children":39},[40],{"text":41},"2.  Information we collect directly from you\n",{"children":43},[44],{"text":45},"We may collect the following information directly from you, for the following purposes:",{"type":27,"children":47},[48],{"text":49},"\n",{"type":51,"children":52},"table",[53],{"type":54,"children":55},"table_body",[56,73,173,202,224,284],{"type":57,"children":58},"table_row",[59,67],{"type":60,"children":61},"table_cell",[62],{"type":27,"children":63},[64],{"bold":65,"text":66},true,"Personal information collected",{"type":60,"children":68},[69],{"type":27,"children":70},[71],{"bold":65,"text":72},"Why collected",{"type":57,"children":74},[75,128],{"type":60,"children":76},[77,80,84,88,92,96,100,104,108,112,116,120,124],{"type":27,"children":78},[79],{"text":30},{"type":27,"children":81},[82],{"text":83},"Information we or our third party service providers collect from you when you use our products and services or request or apply for our products and services, may include: ",{"type":27,"children":85},[86],{"text":87},"•\tyour name, date of birth, photo ID, gender and contact details",{"type":27,"children":89},[90],{"text":91},"•\tpayment information such as your bank account or credit details",{"type":27,"children":93},[94],{"text":95},"•\tyour proof of address",{"type":27,"children":97},[98],{"text":99},"•\tfinancial information such as the nature and purpose of your investment and your source of funds",{"type":27,"children":101},[102],{"text":103},"•\temployment records and payslips",{"type":27,"children":105},[106],{"text":107},"•\tinformation about your tax status and residency, your tax identification number, and information you provide in country-specific tax forms",{"type":27,"children":109},[110],{"text":111},"•\tany other information we request including for anti-money laundering or tax purposes",{"type":27,"children":113},[114],{"text":115},"•\tbiometric data",{"type":27,"children":117},[118],{"text":119},"Information you provide us about yourself or someone else when you interact with us, whether during face-to-face meetings, telephone discussions, email communications, or the use of our website or other products and services, and including:",{"type":27,"children":121},[122],{"text":123},"•\tinformation about your personal finances",{"type":27,"children":125},[126],{"text":127},"•\tinformation about other products you hold",{"type":60,"children":129},[130,133,137,141,145,149,153,157,161,165,169],{"type":27,"children":131},[132],{"text":30},{"type":27,"children":134},[135],{"text":136},"To identify you ",{"type":27,"children":138},[139],{"text":140},"To onboard you as a customer, including by undertaking our anti-money laundering ‘know your client’ checks",{"type":27,"children":142},[143],{"text":144},"To interact with your advisor about what products and services you are or may be interested in",{"type":27,"children":146},[147],{"text":148},"To provide you with our products and services and\u002For information about our products and services",{"type":27,"children":150},[151],{"text":152},"To provide you with products and services and\u002For information about products and services offered by other service providers, where we think you might be interested in those products and services",{"type":27,"children":154},[155],{"text":156},"To seek quotes for products or services, at your request",{"type":27,"children":158},[159],{"text":160},"To collect payment from you for any products and services you have purchased",{"type":27,"children":162},[163],{"text":164},"For statistical or service improvement purposes",{"type":27,"children":166},[167],{"text":168},"To administer your customer relationship with us and perform other administrative tasks relating to that relationship",{"type":27,"children":170},[171],{"text":172},"To consider any concerns or any complaints you may raise with us",{"type":57,"children":174},[175,189],{"type":60,"children":176},[177,181,185],{"type":27,"children":178},[179],{"text":180},"Information we collect from you when you subscribe to one of our newsletters and\u002For consent to receiving marketing communications from us, including:",{"type":27,"children":182},[183],{"text":184},"•\tyour name ",{"type":27,"children":186},[187],{"text":188},"•\tyour email address",{"type":60,"children":190},[191,195,199],{"type":27,"children":192},[193],{"text":194},"To send you our electronic newsletter",{"type":27,"children":196},[197],{"text":198},"To keep you up to date with products and services",{"type":27,"children":200},[201],{"text":30},{"type":57,"children":203},[204,210],{"type":60,"children":205},[206],{"type":27,"children":207},[208],{"text":209},"Information we collect from or about you, including information we derive from how you interact with us (note that this information may be recorded and we may keep a record of that contact)",{"type":60,"children":211},[212,216,220],{"type":27,"children":213},[214],{"text":215},"To better understand whether our products and services are suited to you",{"type":27,"children":217},[218],{"text":219},"To improve our service offering",{"type":27,"children":221},[222],{"text":223},"To investigate security issues, fraud, or customer behaviour",{"type":57,"children":225},[226,260],{"type":60,"children":227},[228,232,236,240,244,248,252,256],{"type":27,"children":229},[230],{"text":231},"Information we collect via our website or app that you either directly provide to us, or we indirectly collect through tracking your use of our digital platforms, including: ",{"type":27,"children":233},[234],{"text":235},"•\tdate and time of your visit",{"type":27,"children":237},[238],{"text":239},"•\tpages and parts of the page you view",{"type":27,"children":241},[242],{"text":243},"•\tinformation you download",{"type":27,"children":245},[246],{"text":247},"•\thow you use the platform or the features they contain",{"type":27,"children":249},[250],{"text":251},"•\tyour IP address",{"type":27,"children":253},[254],{"text":255},"•\tyour location (if you enable the location of your device)",{"type":27,"children":257},[258],{"text":259},"•\tinformation gathered through cookies and other digital tracking tools",{"type":60,"children":261},[262,266,270,274,278,281],{"type":27,"children":263},[264],{"text":265},"To conduct our business and administer your accounts",{"type":27,"children":267},[268],{"text":269},"To comply with our legal and regulatory obligations",{"type":27,"children":271},[272],{"text":273},"To inform you of products and services that may be of interest to you",{"type":27,"children":275},[276],{"text":277},"To develop our web statistics",{"type":27,"children":279},[280],{"text":223},{"type":27,"children":282},[283],{"text":30},{"type":57,"children":285},[286,292],{"type":60,"children":287},[288],{"type":27,"children":289},[290],{"text":291},"Any information about you (including information of the type referred to above)",{"type":60,"children":293},[294],{"type":27,"children":295},[296],{"text":297},"For any other reason permitted by the Privacy Act 2020 (for example, with your consent, for a directly related purpose) or where the law permits or requires it",{"type":27,"children":299},[300],{"text":30},{"type":22,"children":302},[303],{"text":304},"3.  If you do not agree to provide us with personal information",{"type":27,"children":306},[307],{"text":308},"\nYou don’t have to give us personal information about you, or any other person. However, if you do not provide us with the information we request, we may not be able to provide you with our products and services, or you may not be able to fully benefit from our products and services.",{"type":27,"children":310},[311],{"text":30},{"type":22,"children":313},[314],{"text":315},"4. Information you give us about other people ",{"type":27,"children":317},[318],{"text":30},{"type":27,"children":320},[321],{"text":322},"We may collect personal information about someone else from you. If you do provide us with someone else’s personal information, you must make sure you have that person’s authority to do so and you must make sure that person knows that their information may be used by us in the circumstances set out in this notice.",{"type":27,"children":324},[325],{"text":30},{"type":22,"children":327},[328],{"text":329},"5. Information we collect indirectly",{"type":27,"children":331},[332],{"text":30},{"type":27,"children":334},[335],{"text":30},{"type":51,"children":337},[338],{"type":54,"children":339},[340,358,395,419,439,461,481],{"type":57,"children":341},[342,347,353],{"type":60,"children":343},[344],{"type":27,"children":345},[346],{"bold":65,"text":66},{"type":60,"children":348},[349],{"type":27,"children":350},[351],{"bold":65,"text":352},"Who we collect it from",{"type":60,"children":354},[355],{"type":27,"children":356},[357],{"bold":65,"text":72},{"type":57,"children":359},[360,373,386],{"type":60,"children":361},[362,366,370],{"type":27,"children":363},[364],{"text":365},"Information we or our third party service providers collect when you use our products and services or request or apply for products and services from us, including: ",{"type":27,"children":367},[368],{"text":369},"•\tyour name, date of birth,  ID, gender contact details and other identification as required by us",{"type":27,"children":371},[372],{"text":95},{"type":60,"children":374},[375,379,383],{"type":27,"children":376},[377],{"text":378},"Our related companies, including Generate Investment Holdings Limited, Generate Investment Management Limited and Onviser Limited",{"type":27,"children":380},[381],{"text":382},"Our third party service providers",{"type":27,"children":384},[385],{"text":30},{"type":60,"children":387},[388,392],{"type":27,"children":389},[390],{"text":391},"To rely on the anti-money laundering ‘know your client’ checks they are permitted to undertake on our behalf",{"type":27,"children":393},[394],{"text":30},{"type":57,"children":396},[397,403,411],{"type":60,"children":398},[399],{"type":27,"children":400},[401],{"text":402},"Information about the products and services our related companies provide to you",{"type":60,"children":404},[405,408],{"type":27,"children":406},[407],{"text":378},{"type":27,"children":409},[410],{"text":30},{"type":60,"children":412},[413,416],{"type":27,"children":414},[415],{"text":148},{"type":27,"children":417},[418],{"text":152},{"type":57,"children":420},[421,427,433],{"type":60,"children":422},[423],{"type":27,"children":424},[425],{"text":426},"Any information about you provided to us by your family member who is a customer or prospective customer of ours",{"type":60,"children":428},[429],{"type":27,"children":430},[431],{"text":432},"Your family member",{"type":60,"children":434},[435],{"type":27,"children":436},[437],{"text":438},"To provide your family member with our products and services and\u002For information about our products and services",{"type":57,"children":440},[441,447,453],{"type":60,"children":442},[443],{"type":27,"children":444},[445],{"text":446},"Any information about you provided to us by your advisor",{"type":60,"children":448},[449],{"type":27,"children":450},[451],{"text":452},"Your adviser",{"type":60,"children":454},[455,458],{"type":27,"children":456},[457],{"text":148},{"type":27,"children":459},[460],{"text":152},{"type":57,"children":462},[463,469,475],{"type":60,"children":464},[465],{"type":27,"children":466},[467],{"text":468},"Any information about you provided to us by Inland Revenue or overseas tax authorities",{"type":60,"children":470},[471],{"type":27,"children":472},[473],{"text":474},"Inland Revenue or overseas tax authorities (as the case may be)",{"type":60,"children":476},[477],{"type":27,"children":478},[479],{"text":480},"To discharge our legal obligations in relation to your tax affairs",{"type":57,"children":482},[483,488,494],{"type":60,"children":484},[485],{"type":27,"children":486},[487],{"text":291},{"type":60,"children":489},[490],{"type":27,"children":491},[492],{"text":493},"Any person (including the persons referred to above)",{"type":60,"children":495},[496],{"type":27,"children":497},[498],{"text":499},"For any other reason permitted by the Privacy Act 2020 (for example, with your authorisation, for a directly related purpose) or where the law permits or requires it",{"type":27,"children":501},[502],{"text":30},{"type":27,"children":504},[505],{"text":506},"The collection, and disclosure of your personal information to us, by third parties may also be governed by terms you have agreed with them, including their privacy notices. We recommend that you review those terms and policies carefully and ensure that you are comfortable with them before sharing your information.",{"type":27,"children":508},[509],{"text":30},{"type":22,"children":511},[512],{"text":513},"6. Disclosing your information",{"type":27,"children":515},[516],{"bold":65,"text":30},{"type":27,"children":518},[519],{"bold":65,"text":30},{"type":27,"children":521},[522],{"text":30},{"type":27,"children":524},[525],{"text":526},"We may disclose the personal information we hold about you to the following persons and for the following purposes:",{"type":27,"children":528},[529],{"text":30},{"type":51,"children":531},[532],{"type":54,"children":533},[534,548,565,578,592,610,631,645,659,673],{"type":57,"children":535},[536,542],{"type":60,"children":537},[538],{"type":27,"children":539},[540],{"bold":65,"text":541},"Who to",{"type":60,"children":543},[544],{"type":27,"children":545},[546],{"bold":65,"text":547},"Why disclosed",{"type":57,"children":549},[550,555],{"type":60,"children":551},[552],{"type":27,"children":553},[554],{"text":378},{"type":60,"children":556},[557,561],{"type":27,"children":558},[559],{"text":560},"Where we believe it is appropriate to help us offer or provide a product or service to you or for an administrative, management or operational purposes",{"type":27,"children":562},[563],{"text":564},"Where we conduct anti-money laundering ‘know your client’ checks on their behalf",{"type":57,"children":566},[567,572],{"type":60,"children":568},[569],{"type":27,"children":570},[571],{"text":452},{"type":60,"children":573},[574],{"type":27,"children":575},[576],{"text":577},"Where we believe it is appropriate to help us or any other person offer or provide a product or service to you, or for administrative, management or operational purposes",{"type":57,"children":579},[580,586],{"type":60,"children":581},[582],{"type":27,"children":583},[584],{"text":585},"Our anti-money laundering ‘know your customer’ service providers",{"type":60,"children":587},[588],{"type":27,"children":589},[590],{"text":591},"To onboard you as a customer, including by facilitating the conduct of anti-money laundering ‘know your client’ checks",{"type":57,"children":593},[594,600],{"type":60,"children":595},[596],{"type":27,"children":597},[598],{"text":599},"Custody service providers",{"type":60,"children":601},[602,606],{"type":27,"children":603},[604],{"text":605},"To assist us to provide products and services to you",{"type":27,"children":607},[608],{"text":609},"So those service providers can carry out anti-money laundering ‘know your client’ checks So those service providers can comply with applicable tax laws and reporting obligations (including by disclosing information to Inland Revenue or overseas tax authorities for the purposes described below) or process tax reclaims",{"type":57,"children":611},[612,618],{"type":60,"children":613},[614],{"type":27,"children":615},[616],{"text":617},"Other service providers",{"type":60,"children":619},[620,623,627],{"type":27,"children":621},[622],{"text":605},{"type":27,"children":624},[625],{"text":626},"To verify the authenticity of your information",{"type":27,"children":628},[629],{"text":630},"So those service providers can carry out anti-money laundering ‘know your client’ checks So those service providers can provide you with products and services and\u002For information about products and services offered by other service providers, where we think you might be interested in those products and services",{"type":57,"children":632},[633,639],{"type":60,"children":634},[635],{"type":27,"children":636},[637],{"text":638},"Inland Revenue",{"type":60,"children":640},[641],{"type":27,"children":642},[643],{"text":644},"Where required to disclose your personal information to Inland Revenue in connection with your tax affairs",{"type":57,"children":646},[647,653],{"type":60,"children":648},[649],{"type":27,"children":650},[651],{"text":652},"Overseas tax authorities, including the US IRS",{"type":60,"children":654},[655],{"type":27,"children":656},[657],{"text":658},"Where required to disclose your personal information to overseas tax authorities in connection with your tax affairs, including disclosures to the US IRS required under the Foreign Account Tax Compliance Act (FATCA)",{"type":57,"children":660},[661,667],{"type":60,"children":662},[663],{"type":27,"children":664},[665],{"text":666},"Any person, including government authorities and regulatory bodies",{"type":60,"children":668},[669],{"type":27,"children":670},[671],{"text":672},"Where authorised or required to disclose your personal information to them, including when required to do so under financial transaction reporting laws",{"type":57,"children":674},[675,681],{"type":60,"children":676},[677],{"type":27,"children":678},[679],{"text":680},"Any other person",{"type":60,"children":682},[683],{"type":27,"children":684},[685],{"text":686},"For any other reason permitted by the Privacy Act 2020 (for example, with your authorisation, for a directly related purpose) or where the law permits or requires it or for authentication purposes",{"type":27,"children":688},[689],{"bold":65,"text":30},{"type":22,"children":691},[692],{"text":693},"7. Where your personal information is held",{"type":27,"children":695},[696],{"text":30},{"type":27,"children":698},[699],{"text":700},"The personal information that we collect may be held by us:",{"type":27,"children":702},[703],{"text":704},"•\ton secure servers in controlled facilities in New Zealand;",{"type":27,"children":706},[707],{"text":708},"•\tby our cloud service providers located in New Zealand or overseas; ",{"type":27,"children":710},[711],{"text":712},"•\tby our custody service providers, who may also use cloud service providers located in New Zealand or overseas;",{"type":27,"children":714},[715],{"text":716},"•\tin physical files held securely at our premises. ",{"type":27,"children":718},[719],{"text":30},{"type":22,"children":721},[722],{"text":723},"8. Your rights",{"type":27,"children":725},[726],{"text":30},{"type":27,"children":728},[729],{"text":730},"You have the right to:",{"type":27,"children":732},[733],{"text":734},"•\trequest access to personal information that we hold about you; and",{"type":27,"children":736},[737],{"text":738},"•\trequest that we correct personal information that we hold about you.",{"type":27,"children":740},[741],{"text":30},{"type":22,"children":743},[744],{"text":745},"9. Contacting us",{"type":27,"children":747},[748],{"text":30},{"type":27,"children":750},[751],{"text":752},"You may contact our privacy officer:",{"type":27,"children":754},[755],{"text":756},"by post, at:\tPrivacy officer, GoCio Limited, PO Box 91609, Victoria Street West, Auckland 1142",{"type":27,"children":758},[759,761,767],{"text":760},"by email, at: ",{"href":762,"type":763,"title":762,"children":764,"openInNewTab":9},"mailto:info@gocio.co.nz","link",[765],{"text":766},"info@gocio.co.nz",{"text":30},{"type":27,"children":769},[770],{"text":771},"by phone, at: 0800 855 322",{"type":27,"children":773},[774],{"text":30},{"type":22,"children":776},[777],{"text":778},"10. Keeping us updated",{"type":27,"children":780},[781],{"text":30},{"type":27,"children":783},[784],{"text":785},"It is important to us that the personal information that we hold about you or any other person is accurate and complete. Please let us know as soon as possible if you think we may need to make changes to the information that we hold.",{"type":27,"children":787},[788],{"text":30},{"type":22,"children":790},[791],{"text":792},"11. How we may contact you",{"type":27,"children":794},[795],{"text":30},{"type":27,"children":797},[798],{"text":799},"We may contact you by telephone, email, SMS or other methods of communication where appropriate. If you consent to SMS and reply to an SMS, standard rates will apply.",{"type":27,"children":801},[802],{"text":30},{"type":22,"children":804},[805],{"text":806},"12. Amendments",{"type":27,"children":808},[809],{"text":30},{"type":27,"children":811},[812],{"text":813},"We may make changes to this privacy notice from time-to-time by publishing an updated version of this privacy notice on our website.",{"type":27,"children":815},[816],{"text":30},{"type":27,"children":818},[819],{"text":820,"italic":65},"Last update: July 2026",{"type":27,"children":822},[823],{"text":30},[],[],"cmr15r86kpdpk071fhegpi1td",[828],{"internalName":829,"logo":830,"navigationItems":837,"headerButtons":1012,"memberLoginUrl":1020,"adviserLoginUrl":1021,"joinGenerateKiwiSaverUrl":1022,"joinGenerateManagedFundsUrl":938,"announcementBar":8,"searchUrl":8},"Level 0 - Global Header",{"url":831,"altText":832,"size":833,"fileName":834,"title":835,"mimeType":836},"https:\u002F\u002Fap-southeast-2.graphassets.com\u002FAKCbhBjCsTzKiieKkNfvxz\u002Fc3DCsRYBQFyZRTm4CmX0","White version of Generate logo",15503,"white_no tagline.svg","Generate logo 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