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Privacy Policy

1. Introduction
This Privacy Policy explains how Paragon Property Ratings Limited (“Paragon”, “we”, “us”, or “our”) collects, holds, uses, and discloses personal information.

Paragon prepares and sells independent property investment rating reports. These reports are based on data-driven analysis of property investment opportunities, including information obtained from sources such as REINZ, OneRoof, and information contained in the relevant property listing.

This Privacy Policy applies to personal information collected through:

  • Our website, including any online order or enquiry forms;

  • Communications with customers and prospective customers;

  • The purchase and delivery of our reports; and

  • Any related services provided by Paragon.


By using our website or providing personal information to us, the user acknowledges that their personal information may be collected, used, stored, and disclosed in accordance with this Privacy Policy and the Privacy Act 2020.
 

2. Who We Are
Paragon Property Ratings Limited is a limited and duly incorporated company registered in New Zealand and the company's information can be found via the New Zealand Companies Office register.
 

3. Personal Information We Collect
Paragon may collect personal information that is reasonably necessary for its business activities and website operations.

Depending on the nature of the interaction with us, the personal information collected may include:
3.1 Identity and contact information

  • Full name;

  • Residential or postal address;

  • Email address;

  • Telephone number; and

  • Other contact details provided by the individual.


3.2 Account, billing, and transaction information

  • Billing address;

  • Payment details or transaction records;

  • Bank account details, where applicable; and

  • Purchase history relating to Paragon reports or services.
     

3.3 Customer and business information
Where a customer is an entity, Paragon may collect:

  • Entity name and trading name;

  • Type of entity;

  • Registration or tax details;

  • Details of key contact persons;

  • Details of directors, shareholders, beneficial owners, or effective controllers, where relevant; and

  • Details about the entity’s business activities.


3.4 Information provided in enquiries or correspondence

  • Information submitted through website forms;

  • Emails, messages, or call records;

  • Support requests; and

  • Other information voluntarily provided to us.


3.5 Information obtained from third-party or public sources
In preparing property rating reports, Paragon may obtain information from:

  • REINZ;

  • OneRoof;

  • Public property listings;

  • Public registers; and

  • Other data suppliers or publicly available sources.

To the extent those sources contain personal information, that information will be handled in accordance with this Privacy Policy and applicable law.

3.6 Technical and website usage information
When a user visits our website, personal information collected will be limited to the user's name, email address, phone number, and consumer payment details. By using the website the user agrees to Paragon collecting such information about them. No additional personal information is collected.

3.7 Additional information where required
In limited cases, Paragon may collect further personal information where reasonably necessary for identity verification, fraud prevention, payment purposes, dispute resolution, or legal compliance.
 

4. How We Collect Personal Information
Paragon may collect personal information:

  • Directly from the individual when they complete a form, place an order, subscribe to updates, or contact us;

  • From the individual’s authorised representative;

  • Automatically through website technologies such as cookies or analytics tools, where used;

  • From third-party service providers involved in payment processing, website hosting, communications, or related services;

  • From referral sources identified by the customer; and

  • From publicly available sources and third-party property data providers.

Where reasonably practicable, Paragon will collect personal information directly from the individual concerned.

All property-specific information used in reports is sourced independently from developer brochures and third party data sources.
 

5. Purpose of Collection and Use
Paragon may collect, hold, use, and process personal information for the following purposes:

  • To provide property investment rating reports and related services;

  • To process orders, payments, and customer enquiries;

  • To communicate with customers about purchases, updates, or support matters;

  • To administer customer accounts and maintain business records;

  • To improve our website, systems, and service delivery;

  • To monitor and protect the security of our website and systems;

  • To verify identity or authority where necessary;

  • To prevent fraud, misuse, or unauthorised access;

  • To comply with legal and regulatory obligations;

  • To enforce our terms and conditions or protect our legal rights; and

  • To send marketing or promotional communications where the individual has requested or agreed to receive them, or where otherwise permitted by law.


Paragon does not sell property and does not receive commissions from developers or property sellers. Paragon’s reports are prepared independently. This independence does not affect our obligation to handle personal information in accordance with this Privacy Policy.
 

6. Disclosure of Personal Information
Paragon may disclose personal information to:

  • Employees, contractors, and service providers who need the information for the purposes described in this Privacy Policy;

  • Website hosting, IT, software, analytics, and communications providers;

  • Payment processors and accounting service providers;

  • Professional advisers, including lawyers, accountants, auditors, and insurers;

  • Regulators, law enforcement agencies, courts, or tribunals where required or authorised by law;

  • Any person authorised by the individual concerned;

  • A purchaser or successor in connection with a sale, restructure, merger, or transfer of Paragon’s business or assets; and third-party data providers or verification providers where reasonably necessary for service delivery or business administration.
     

Paragon will take reasonable steps to ensure that any third party receiving personal information is required to handle that information appropriately and consistently with applicable privacy law.

Paragon does not disclose personal information to third parties for their own independent marketing purposes unless the individual has expressly agreed.
 

7. Overseas Disclosure
Paragon uses third-party service providers that store or process information outside New Zealand such as Stripe and Google Workspace.

If Paragon discloses personal information to an overseas person or entity, Paragon will comply with Information Privacy Principle 12 under the Privacy Act 2020. This means Paragon will take reasonable steps to ensure that the overseas recipient is subject to privacy safeguards that, overall, provide comparable protection to that available under New Zealand law, unless an exception under the Act applies.
 

8. Storage and Security
Paragon will take reasonable technical and organisational measures to protect personal information
against:

  • Loss;

  • Unauthorised access;

  • Unauthorised use;

  • Unauthorised modification;

  • Unauthorised disclosure; and

  • Other misuse.

These measures may include access controls, password protection, secure systems, and contractual protections with service providers.


However, no method of electronic transmission or storage is completely secure. To the extent individuals provide information through their own systems, devices, or networks, they remain responsible for the security of those systems and any internal access controls within their own environment.

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9. Retention of Personal Information
Paragon will retain personal information only for as long as it is required for:

  • The purposes for which it was collected;

  • Legitimate business record-keeping;

  • Dispute resolution;

  • Enforcement of legal rights; and

  • Compliance with legal, tax, accounting, or regulatory obligations.

When personal information is no longer required, Paragon will take reasonable steps to securely destroy it or de-identify it.


Requests for deletion may be considered, but Paragon may retain information where retention is required or permitted by law, or where it is reasonably necessary for business or legal purposes.

 

10. Cookies and Website Analytics

Cookies, analytics tools, or similar technologies may collect technical information about how users interact with the website.

Cookies may be used to:

  • Enable website functionality;

  • Remember preferences;

  • Improve website performance;

  • Understand usage patterns; and

  • Support security and fraud prevention.

Users can usually disable cookies through their browser settings, although doing so may affect website functionality.


Wix analytics and tracking tools are integrated with Paragon’s website. Users should refer to Wix terms, conditions and policies for more specific information.

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11. Direct Marketing
Paragon may send marketing, promotional, or update communications where an individual has:

  • Requested them;

  • Opted in to receive them; or

  • Otherwise permitted such communications under applicable law.


An individual may unsubscribe from marketing communications at any time by using the unsubscribe facility in the message or by contacting Paragon using the contact details in this Privacy Policy.

 

Paragon will continue to send non-marketing communications where necessary for service delivery, transactions, or legal compliance.


12. Access and Correction
Under the Privacy Act 2020, individuals have the right to request:

  • Confirmation of whether Paragon holds personal information about them; and

  • Access to that personal information; and

  • Correction of that personal information if it is inaccurate.

 

If an individual wishes to request access to or correction of their personal information, they may contact:


Information about Paragon Property Ratings Limited's privacy officer is available on the company's website; or where one is not appointed the current director(s) of the company will act as such.


Paragon may require verification of identity before responding to a request.

 

If Paragon does not agree to make a requested correction, the individual may ask Paragon to attach a statement of correction sought to the information.

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13. Complaints

If any person believes that Paragon has breached the Privacy Act 2020 or mishandled personal information, they may contact Paragon using the details above.


Paragon will consider and respond to privacy complaints within a reasonable time. If the complaint is not resolved, the individual may contact the Office of the Privacy Commissioner in New Zealand.
 

14. Third-Party Websites and Services
Paragon’s website may contain links to third-party websites or services. Paragon is not responsible for the privacy practices, content, or security of those third-party websites or services. Individuals should review the privacy policies of any third-party websites they access.
 

15. Changes to This Privacy Policy
Paragon may update this Privacy Policy from time to time to reflect changes in business practices, technology, or legal requirements.

The updated version will be published on Paragon’s website with the revised effective date.


16. Contact Details
Any questions about this Privacy Policy or Paragon’s handling of personal information may be directed to Paragon Property Ratings Limited using the contact information available for the company on their website or the contact information provided below:

Website URL: https://www.paragonratings.co.nz/
Privacy Officer's email: ryan@paragonratings.co.nz
Privacy Officer's phone: +64211942949

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