Privacy Policy

1. Who this policy covers

This Privacy Policy explains how OPEN TERMS handles personal information collected through openterms.creativefinanceconsultants.com, including listings, buyer requests, support messages, privacy requests and Seller Toolkit interest. OPEN TERMS is the website and community brand. Contact the OPEN TERMS operator or Privacy Officer using the form below. Other websites and social networks have their own privacy notices.

2. Information we collect

When you sign in, the service may provide an account identifier, email address and display name. Website access checks use account information to recognise signed-in members and authorise owner-only functions. The listing database stores the submitting account identifier, the information entered in a listing or buyer request, its contact link, status and submission date. Support requests store an account identifier, subject, message and date. If you register toolkit interest, the email, category and feedback you voluntarily enter are stored in the private owner request queue together with your launch-contact consent. Do not provide banking details, identity documents or confidential business records.

3. Technical information and device storage

Saved-listing bookmarks are stored in your browser. The downloadable sample and workbook save answers locally in your browser and allow you to export a copy; the workbook does not transmit those answers to OPEN TERMS. Hosting, sign-in and security services may process technical information such as request addresses, device or browser details, cookies and security logs. This website’s own code does not currently add advertising pixels or third-party analytics tags. Essential service cookies and external-provider notices may still apply. For unsigned privacy requests, we store a security marker derived from request network information to limit repeated submissions; it is not used for advertising.

4. Why we use information

We use information to provide access, receive and review submissions, publish approved opportunities, operate moderation and owner review, respond to support and privacy matters, maintain security and meet legal obligations. Toolkit launch contact is based on the consent given with your interest request. Submitting a listing is not consent to unrelated marketing. We do not sell personal information. We do not currently collect payment-card details or process paid toolkit purchases through this site.

5. What becomes public

An approved listing is publicly visible, including its description, location, proposed terms, disclosures, role and chosen contact or original-listing link. Only put information in those fields that you are authorised and willing to make public. The account identifier used for ownership checks is not displayed on public listings. Pending or rejected submissions, support messages and toolkit-interest requests are not published to the opportunity board. Public pages may be indexed by search engines or copied by others; removing a listing here may not immediately remove third-party caches or copies.

6. Service providers and other disclosures

Authorised administrators can access information needed to run the service and review requests. We use service providers for website hosting, sign-in, security and database operation, and those providers may process information as necessary to deliver their services. Some services also handle account or technical data under their own notices, which you should review when using them. Information may also be disclosed with your permission, where legally required or authorised, or where necessary to investigate fraud, protect people or respond to a legitimate legal process. Buyers and sellers who follow a public contact link deal directly with the recipient.

7. Overseas processing

Our online infrastructure and service providers may process or store information outside New Zealand or outside your home country. We do not represent that all data stays in New Zealand. Where required, overseas disclosures must have an appropriate legal basis and safeguards. Independent external services you choose to use are subject to their own handling arrangements.

8. Retention and security

We retain information only as reasonably needed for the purposes described here, including operating listings, dealing with requests, security, disputes and legal recordkeeping. There is no fixed automatic deletion schedule currently configured; correction, withdrawal and deletion requests are reviewed and handled by the operator subject to lawful retention needs. Removing public access to a listing is different from erasing every associated record or backup. We use HTTPS and access controls for owner-only information, but no system is completely secure. If a privacy breach requires notification, we will act in accordance with applicable law.

9. Your choices

You can browse public opportunities without submitting a listing. Signing in and providing the required fields are needed to submit opportunities. You can choose not to register toolkit interest or provide optional feedback. You can remove bookmarks or local workbook answers by clearing the relevant browser storage; keep your own backup of workbook exports if needed. Ask us to stop toolkit launch contact through a privacy request. Withdrawing marketing consent does not affect a separate lawful need to retain a request or transaction record.

10. Access, correction and privacy requests

You may ask for access to information we hold about you, ask us to correct inaccurate information, or request listing withdrawal or deletion where applicable. We may need proportionate verification before disclosing or changing personal information; do not attach identity documents to the public form. We aim to respond as soon as reasonably practicable. Where New Zealand access or correction rules apply, we will normally provide a decision within 20 working days unless a lawful extension or exception applies. If a requested correction is not made, you can ask for a statement of correction to be attached where applicable. Mandatory rights under other applicable laws are not limited by this policy.

11. Contact and complaints

Address a privacy request to the OPEN TERMS Privacy Officer using the form below; no sign-in is required. Give a reply email if you want a response by email, and describe the relevant listing or request. The form saves a request for owner review and does not send an automatic acknowledgement email. If you are not satisfied after raising the matter with us, you may contact the New Zealand Office of the Privacy Commissioner or another authority available under applicable law.

Office of the Privacy Commissioner — complaints information ↗

12. Age and policy updates

The community and submission service are intended for adults aged 18 and over. Do not submit another person’s information without appropriate authority. If you believe a child’s information has been submitted, raise a privacy request. We may update this policy to reflect service or legal changes, will display the revised date, and will obtain any additional consent required for a materially different use of information.