Privacy statement
Last updated: May 2026
About this privacy statement
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.
Information we collect directly from you
We may collect the following information directly from you, for the following purposes:
When you use or apply for our products and services
We collect
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:
- your name, date of birth, photo ID, gender and contact details
- payment information such as your bank account or credit details
- your proof of address
- financial information such as the nature and purpose of your investment and your source of funds
- employment records and payslips
- information about your tax status and residency, your tax identification number, and information you provide in country-specific tax forms
- any other information we request including for anti-money laundering or tax purposes
- biometric data
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:
- information about your personal finances
- information about other products you hold
How we use it
- To identify you
- To onboard you as a customer, including by undertaking our anti-money laundering ‘know your client’ checks
- To interact with your advisor about what products and services you are or may be interested in
- To provide you with our products and services and/or information about our products and services
- To provide you with products and services and/or information about products and services offered by other service providers, where we think you might be interested in those products and services
- To seek quotes for products or services, at your request
- To collect payment from you for any products and services you have purchased
- For statistical or service improvement purposes
- To administer your customer relationship with us and perform other administrative tasks relating to that relationship
- To consider any concerns or any complaints you may raise with us
When you subscribe to our newsletters
We collect
Information we collect from you when you subscribe to one of our newsletters and/or consent to receiving marketing communications from us, including:
- your name
- your email address
How we use it
- To send you our electronic newsletter
- To keep you up to date with products and services
Information we derive from your interactions
We collect
- 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)
How we use it
- To better understand whether our products and services are suited to you
- To improve our service offering
- To investigate security issues, fraud, or customer behaviour
Information collected via our website or app
We collect
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:
- date and time of your visit
- pages and parts of the page you view
- information you download
- how you use the platform or the features they contain
- your IP address
- your location (if you enable the location of your device)
- information gathered through cookies and other digital tracking tools
How we use it
- To conduct our business and administer your accounts
- To comply with our legal and regulatory obligations
- To inform you of products and services that may be of interest to you
- To develop our web statistics
- To investigate security issues, fraud, or customer behaviour
Any other information
We collect
- Any information about you (including information of the type referred to above)
How we use it
- 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
If you do not agree to provide us with personal information
You 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.
Information you give us about other people
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.
Information we collect indirectly
We may collect the following information about you indirectly (from someone else) for the following purposes:
Identity verification for our products and services
We collect
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:
- your name, date of birth, ID, gender contact details and other identification as required by us
- your proof of address
Who we collect it from
- Our related companies, including Generate Investment Holdings Limited, Generate Investment Management Limited and Onviser Limited
- Our third party service providers
How we use it
- To rely on the anti-money laundering ‘know your client’ checks they are permitted to undertake on our behalf
Products and services from our related companies
We collect
- Information about the products and services our related companies provide to you
Who we collect it from
- Our related companies, including Generate Investment Holdings Limited, Generate Investment Management Limited and Onviser Limited
How we use it
- To provide you with our products and services and/or information about our products and services
- To provide you with products and services and/or information about products and services offered by other service providers, where we think you might be interested in those products and services
Information from your family member
We collect
- Any information about you provided to us by your family member who is a customer or prospective customer of ours
Who we collect it from
- Your family member
How we use it
- To provide your family member with our products and services and/or information about our products and services
Information from your advisor
We collect
- Any information about you provided to us by your advisor
Who we collect it from
- Your advisor
How we use it
- To provide you with our products and services and/or information about our products and services
- To provide you with products and services and/or information about products and services offered by other service providers, where we think you might be interested in those products and services
Information from tax authorities
We collect
- Any information about you provided to us by Inland Revenue or overseas tax authorities
Who we collect it from
- Inland Revenue or overseas tax authorities (as the case may be)
How we use it
- To discharge our legal obligations in relation to your tax affairs
Any other information
We collect
- Any information about you (including information of the type referred to above)
Who we collect it from
- Any person (including the persons referred to above)
How we use it
- 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
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.
Disclosing your information
We may disclose the personal information we hold about you to the following persons and for the following purposes:
Our related companies
Including Generate Investment Holdings Limited, Generate Investment Management Limited and Onviser Limited.
Why we disclose it
- 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
- Where we conduct anti-money laundering ‘know your client’ checks on their behalf
Your advisor
Why we disclose it
- 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
Our anti-money laundering ‘know your customer’ service providers
Why we disclose it
- To onboard you as a customer, including by facilitating the conduct of anti-money laundering ‘know your client’ checks
Custody service providers
Why we disclose it
- To assist us to provide products and services to you
- 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
Other service providers
Why we disclose it
- To assist us to provide products and services to you
- To verify the authenticity of your information
- 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/or information about products and services offered by other service providers, where we think you might be interested in those products and services
Inland Revenue
Why we disclose it
- Where required to disclose your personal information to Inland Revenue in connection with your tax affairs
Overseas tax authorities
Including the US IRS.
Why we disclose it
- 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)
Any person
Including government authorities and regulatory bodies.
Why we disclose it
- Where authorised or required to disclose your personal information to them, including when required to do so under financial transaction reporting laws
Any other person
Why we disclose it
- 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
Where your personal information is held
The personal information that we collect may be held by us:
- on secure servers in controlled facilities in New Zealand;
- by our cloud service providers located in New Zealand or overseas;
- by our custody service providers, who may also use cloud service providers located in New Zealand or overseas;
- in physical files held securely at our premises.
Your rights
You have the right to:
- request access to personal information that we hold about you; and
- request that we correct personal information that we hold about you.
Contacting us
You may contact our privacy officer:
By post: Privacy Officer, GoCIO Limited, Level 9, GHD House, 21 Queen Street, Auckland 1010
By email: info@gocio.co.nz
By phone: 0800 855 322
Keeping us updated
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.
How we may contact you
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.
Amendments
We may make changes to this privacy notice from time-to-time by publishing an updated version of this privacy notice on our website.
Last update: May 2026.