Privacy Policy
Last updated: 3 November 2026
At Prosper Business, we take your privacy seriously. As an accounting and advisory business, we're trusted with personal, financial and business information, and we understand the importance of keeping that information safe.
This Privacy Policy explains what information we collect, how we use it, who we may share it with and how we protect it.
This policy applies to Prosper Business Limited (referred to as "Prosper", "we", "us" or "our"), including our accounting and advisory services, website, online calculators, memberships and other business activities.
We handle personal information in accordance with the New Zealand Privacy Act 2020.
1. What information we collect
The information we collect depends on how you interact with Prosper and which services you use.
This may include:
Personal and contact information
Your name, email address, phone number and contact details.
Your business name and role within the business.
Information provided through enquiries, contact forms, events and correspondence.
Accounting and financial information
IRD numbers and tax information.
Bank account details and financial transactions.
Accounting records, financial statements and business performance information.
Income, expenses, assets and liabilities.
Payroll and employment-related information.
Information about shareholders, directors and other relevant parties.
Website, membership and purchase information
Account registration and membership details.
Products and services purchased.
Billing and transaction information.
Referral codes, referral activity and credits.
Website usage information, cookies and technical information.
Communications and feedback
Emails and other correspondence.
Newsletter subscriptions and communication preferences.
Survey responses, feedback and event registrations.
Technical support enquiries.
We aim to collect only the information reasonably necessary for the services we provide or the purposes explained in this policy.
2. How we collect information
We may collect information:
Directly from you when you contact us, engage our services, complete a form or make a purchase.
Through our website, online calculators and membership platforms.
Through accounting software and business systems where you have authorised us to access information.
From Inland Revenue and other government agencies where authorised or permitted by law.
From other parties involved in providing our services, where appropriate and lawful.
Through website analytics, cookies and other technical systems.
Where appropriate, we may also receive information from business owners, employers or other authorised representatives about individuals involved in their business.
3. How we use your information
We collect and use personal information to:
Provide accounting, taxation, payroll and business advisory services.
Prepare and lodge tax returns and meet relevant regulatory obligations.
Communicate with clients and respond to enquiries.
Manage client relationships and service engagements.
Process purchases, subscriptions and payments.
Provide access to online calculators, resources and membership services.
Administer referral programmes, discounts and credits.
Provide technical support and resolve problems.
Improve our website, systems, services and online tools.
Manage events, registrations and feedback.
Send newsletters, educational resources and marketing communications where permitted by law.
Maintain appropriate business and compliance records.
We may also use information for other purposes where you have authorised us to do so or where permitted or required by law.
4. Online calculators and digital tools
Prosper provides online calculators and financial planning tools, including TaxTrack and other business profitability and planning calculators.
These tools are designed to help users estimate financial outcomes and explore different business scenarios.
Some calculators are intended to provide point-in-time calculations without maintaining a saved history of the figures entered.
However, depending on the tool and how it is configured, information entered or generated may be processed through our website or supporting technology providers.
We may also collect information associated with your use of these services, including membership details, purchases, referral activity, technical support enquiries and relevant website usage information.
We encourage users to avoid entering unnecessary personal identifiers or confidential information into online calculators.
Where a particular tool offers data-saving functionality, we may provide additional information about how that data is handled.
5. Who we share information with
We may share personal information where reasonably necessary to provide our services, administer our business or meet legal obligations.
Depending on the circumstances, this may include:
Inland Revenue and other government agencies.
Accounting, payroll and business software providers.
Payment processors and membership platforms.
Cloud storage, information technology and website providers.
Email marketing and communication platforms.
Contractors and service providers assisting Prosper.
Professional advisers and specialists where authorised or appropriate.
Other parties where you have given permission or disclosure is required or permitted by law.
We use third-party platforms to support our operations, including services such as Xero, Squarespace, Microsoft and Mailchimp.
These providers may process information on our behalf in accordance with their applicable terms and privacy practices.
We do not sell personal information to advertisers or data brokers.
6. Overseas storage and processing
Some of the cloud-based systems and service providers we use may store or process information outside New Zealand.
We take reasonable steps to ensure personal information is appropriately protected and that overseas disclosures comply with the Privacy Act 2020.
This may include considering the privacy protections and contractual arrangements applying to the relevant service provider.
7. How we protect your information
We take reasonable steps to protect personal information against loss, unauthorised access, misuse and disclosure.
Our security practices may include:
Using reputable cloud-based software providers.
Multi-factor authentication where supported and appropriate.
Restricting staff and contractor access based on their responsibilities.
Maintaining appropriate user permissions and security procedures.
Reviewing our systems and processes as required.
While no electronic system can guarantee absolute security, we aim to manage the information entrusted to us responsibly.
If a privacy breach occurs, we will assess it and make any notifications required under New Zealand privacy law.
8. How long we keep information
We retain personal information for as long as reasonably necessary to provide our services, maintain appropriate records, meet legal or professional obligations and manage our business.
Different types of information may be subject to different retention requirements.
When information is no longer required, we take reasonable steps to securely delete, destroy or de-identify it, subject to applicable record-keeping obligations.
9. Website cookies and analytics
Our website and supporting service providers may use cookies and similar technologies.
These may help us:
Maintain website functionality and member access.
Understand how visitors use our website.
Improve website performance and user experience.
Support relevant communications and marketing activities.
You can manage cookies through your browser settings and any cookie controls available on our website.
Disabling certain cookies may affect website functionality.
10. Marketing communications
We may send newsletters, educational content, service updates and other relevant communications where permitted by law.
You can unsubscribe from marketing emails at any time using the unsubscribe link included in those messages or by contacting us.
Unsubscribing from marketing communications will not prevent us from sending necessary administrative messages relating to active services, purchases or subscriptions.
11. Providing information is optional
Providing personal information is generally voluntary.
However, some information is necessary for us to provide particular services.
For example, we may require IRD numbers, financial records or bank information to complete agreed accounting or taxation work.
For online memberships and purchases, we may require contact, account and billing information.
If required information is not provided, we may be unable to deliver the relevant service.
12. Accessing and correcting your information
Under the Privacy Act 2020, you have the right to request access to personal information we hold about you and ask us to correct information you believe is inaccurate.
We may need to verify your identity before responding.
If we do not agree to make a requested correction, you may ask us to attach a statement of correction to the information.
To request access or correction, please contact us using the details below.
13. Privacy concerns
If you have a question or concern about how your personal information has been handled, please contact us.
We will review your concern and respond as appropriate.
You may also contact the Office of the Privacy Commissioner if you are dissatisfied with how a privacy concern has been handled.
14. Changes to this policy
We may update this Privacy Policy to reflect changes in our services, technology, business operations or legal requirements.
The latest version will be published on our website, with the date of the most recent update shown above.
15. Contact us
Prosper Business Limited
Email: abbey@prosperbusiness.co.nz
Phone: 027 290 4620
Website: www.prosperbusiness.co.nz
For privacy enquiries, access requests or correction requests, please contact us using the details above.