Modified: July 2026
1.1 This Privacy Policy explains how the FxGroup companies collect, use, hold, disclose and protect personal information. “FxGroup”, “we”, “us” or “our” means the FxGroup company you are dealing with for a particular interaction, account or order (the “relevant company”), as identified on the website, form, invoice or correspondence concerned. This policy applies to:
1.2 We comply with the New Zealand Privacy Act 2020 (including the Information Privacy Principles) where the relevant company is a New Zealand company, and the Australian Privacy Act 1988 (Cth) (including the Australian Privacy Principles) where the relevant company is an Australian company. Where we operate across both countries, we apply the standard that gives your information the greater protection.
2.1 Most of this policy applies to everyone we deal with — retailers, website visitors, account holders and guarantors.
Depending on how you interact with us, we may collect:
4.1 We collect personal information directly from you when you contact us, register an account, place an order, submit a sample, or use our websites and platforms.
4.2 We also collect information from third parties where you have authorised it or where it is publicly available, including credit reporting agencies, and our service providers.
We use personal information to:
We use personal information for the purpose for which it was collected, for directly related purposes you would reasonably expect, and otherwise with your consent or as permitted by law.
6.1 Where you apply for a credit account, you and any guarantor authorise us to collect, hold, use and disclose information about you to assess creditworthiness, to obtain or provide a credit reference, for debt collection, and to notify default — including to and from credit providers and credit reporting agencies. Where you are an individual, these are authorisations and consents for the purposes of applicable privacy law.
7.1 AI is part of how we operate. We use artificial intelligence, machine learning and automated data-analysis tools, including tools provided by third parties and offshore processing partners (“AI Tools”), as an integral part of how we deliver, support and improve our services. Uses include customer support; order, account and logistics processing; demand forecasting; fraud prevention; quality assurance; analytics.
7.2 Integral to our services. Our services are provided on the basis that AI Tools form part of their delivery. We do not offer a version of our services that excludes AI-assisted processing.
7.3 Human oversight. AI Tools support our decision-making; they do not replace it. We do not use AI Tools to make solely automated decisions that produce legal or similarly significant effects on an individual without human involvement.
7.4 Safeguards. Wherever practicable, we de-identify or anonymise personal information before it is processed by an AI Tool, and we do not input identifiable personal or sensitive information into publicly accessible AI systems (such as the public versions of consumer generative-AI tools). Where AI Tools are provided by third parties, we require by contract that they protect personal information and do not use it to train or improve their own underlying models. Information generated or inferred about an individual by an AI Tool is treated by us as personal information.
7.5 We keep our AI practices under review as technology and the law evolve, including the automated decision-making transparency provisions commencing under the Australian Privacy Principles on 10 December 2026.
We may disclose personal information to:
We require our service providers to protect personal information and to use it only for the purposes for which we engage them.
9.1 Some of our service providers and AI Tools are located outside New Zealand and Australia, including in the United States. This means your personal information may be stored or processed overseas.
9.2 Before disclosing personal information overseas, we take reasonable steps to ensure the recipient protects it to a standard consistent with the New Zealand Privacy Act 2020 (Information Privacy Principle 12) or the Australian Privacy Act 1988 (Australian Privacy Principle 8), as applicable, including through contractual protections.
10.1 We may send you marketing about our products and services where the law allows. You can opt out at any time using the unsubscribe link in our messages or by contacting us. Opting out of marketing does not affect processing that is necessary to provide our services to you.
11.1 We take reasonable steps to protect personal information from loss, misuse and unauthorised access, use or disclosure, including access controls, encryption in transit and at rest where appropriate, and contractual protections with service providers. No system is completely secure, and information provided over the internet is provided at your own risk.
11.2 We keep personal information only for as long as needed for the purposes described in this policy or as required by law (including clinical, tax and regulatory record-keeping), after which we securely destroy or de-identify it.
12.1 You may request access to, or correction of, the personal information we hold about you, consistent with the New Zealand Privacy Act 2020 (Information Privacy Principles 6 and 7) or the Australian Privacy Act 1988 (Australian Privacy Principles 12 and 13), as applicable. These rights cannot be excluded by contract.
12.2 To make a request, contact our Trust Centre at [email protected]. We may need to verify your identity before responding. We respond within the timeframes required by law and will explain if an exception applies (for example, where information must be retained, or relates to another person).
13.1 If you have a concern about how we have handled your personal information, contact our Trust Centre at [email protected] and we will investigate and respond. If you are not satisfied, you may complain to the Office of the Privacy Commissioner in New Zealand (privacy.org.nz) or the Office of the Australian Information Commissioner (oaic.gov.au), as applicable.
14.1 We may update this policy from time to time. The current version will be published on our websites with its effective date. Material changes will be notified where reasonably practicable.
15.1 For any privacy question, request or complaint, contact our Trust Centre at [email protected]