Privacy Act 2020 compliance for a fintech app
Privacy Act 2020 (New Zealand). This page applies it to one kind of product (fintech app), so you get the obligations that are actually yours instead of a summary of the whole statute.
Does it apply to you?
Agencies handling personal information in New Zealand.
What a fintech app typically processes
- identity verification and KYC documents
- bank account or card data through a regulated provider
- transaction history and fraud signals
Each of these is processing you have to disclose. Adding an SDK later adds to this list — which is why a policy written once goes stale.
Documents you need
The intersection of what Privacy Act 2020 requires and what a fintech app actually does:
- Privacy policy
Rights you must honour
Privacy Act 2020 gives people in New Zealand the right to:
- Access a copy of their data
- Correct inaccurate data
Cookies and trackers
Trackers may load by default, but the visitor needs a working way to opt out, and you must honour it.
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Primary sources
- Privacy Act 2020 — Privacy Act 2020 (New Zealand) · official text · Office of the Privacy Commissioner
- IPP 3 — Tell people why you are collecting their data
- IPP 6 — Right of access
- IPP 11 — Limits on disclosure
- IPP 12 — Conditions for sending data overseas
Privacy Act 2020 for other kinds of product
Other frameworks for a fintech app
This page is an engineering summary of publicly available regulatory requirements, generated from LexVibe's framework registry — not legal advice. Every framework links to its official text so you can check it yourself. For decisions about your own compliance posture, consult the primary sources and a lawyer qualified in the relevant jurisdiction.