Privacy Policy

1. Information we collect

buynowpaylater.nz is a directory and information website. We collect minimal personal information. The information we may collect includes:

• Contact form submissions — if you use our contact form, we collect your name, email address and the content of your message.
• Usage data — we may collect anonymous information about how visitors use the site, including pages visited, referring website, browser type and device type. This data is aggregated and cannot identify you personally.
• Click tracking — when you click a "Visit store" link, we log the click anonymously (using a hashed version of your IP address, never the raw IP). This helps us understand which merchants are popular.

We do not require you to create an account or log in to use this website. We do not collect payment information.

2. How we use your information

We use the information we collect to:

• Respond to enquiries submitted through our contact form
• Improve the website based on how visitors use it
• Understand which merchant listings are most useful to visitors
• Monitor and maintain the technical performance of the site

We do not sell, trade or rent your personal information to third parties. We do not use your information for advertising or marketing purposes.

3. Cookies and tracking

This website may use cookies and similar technologies to improve your experience. Cookies are small text files stored on your device.

We may use:

• Session cookies — temporary cookies that expire when you close your browser, used to maintain your session while browsing.
• Analytics cookies — if we use analytics software, it may set cookies to help us understand how visitors use the site. This data is anonymous and aggregated.

You can control cookies through your browser settings. Disabling cookies may affect some functionality of this website.

4. Third-party links

This website contains links to third-party websites, including merchant websites and BNPL service providers. Once you leave buynowpaylater.nz, this privacy policy no longer applies.

We encourage you to review the privacy policies of any third-party websites you visit. We are not responsible for the privacy practices of external sites.

5. Affiliate links

Outbound links to merchants are routed through our redirect system at buynowpaylater.nz/go/{merchant}. This allows us to log anonymous click counts and, where applicable, attribute affiliate commissions. No personally identifiable information is stored during this process.

Our affiliate relationships do not influence which merchants we list or how we describe them. We aim to list all eligible NZ merchants regardless of whether an affiliate arrangement exists.

6. Data security

We take reasonable steps to protect any information we hold. Our website is served over HTTPS and we follow security best practices. However, no method of transmission over the internet is 100% secure, and we cannot guarantee the absolute security of information.

We do not store raw IP addresses. Where we log click activity, IP addresses are converted to a one-way hash that cannot be reversed to identify you.

7. Your rights

Under the New Zealand Privacy Act 2020, you have the right to:

• Request access to personal information we hold about you
• Request correction of any personal information that is inaccurate or outdated
• Request deletion of your personal information, where applicable
• Make a complaint to the Office of the Privacy Commissioner if you believe your privacy rights have been breached

To exercise any of these rights, please contact us using the details below.

8. 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 date. We encourage you to review this policy periodically.

9. Contact us