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/**
 * Plattr — Terms of Service & Privacy Policy.
 *
 * Public legal surface, served at /terms.php (and /terms via nginx rewrite).
 * Uses the shared landing chrome (page-head / page-foot) and the editorial
 * cream styling of the blog, with a sticky table of contents for the two
 * long documents. Server-rendered, zero JS on the critical path.
 */
declare(strict_types=1);

$pageTitle = 'Terms of Service & Privacy Policy — Plattr';
$pageDesc  = 'The legal terms governing your use of Plattr, and how we collect, use and protect your data.';
$pageSlug  = 'terms';

require __DIR__ . '/includes/page-head.php';
?>

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/* ═══ Terms / Privacy — editorial legal layout ═══════════════════ */
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</style>

<!-- ═══ HERO ═══ -->
<div class="tm-hero">
  <span class="tm-eyebrow">Legal</span>
  <h1>Terms &amp; Privacy</h1>
  <div class="tm-hero-meta">
    <span><strong>Effective</strong> January 1, 2025</span>
    <span><strong>Last updated</strong> May 29, 2026</span>
  </div>
  <p class="tm-hero-co">
    Plattr Limited · NZBN 9429053737694<br>
    53 Ngae Place, Mangere East, Auckland 2024, New Zealand<br>
    <a href="https://www.plattr.nz">www.plattr.nz</a> · <a href="mailto:hello@plattr.nz">hello@plattr.nz</a>
  </p>
</div>

<div class="tm-wrap">

  <!-- ═══ TABLE OF CONTENTS ═══ -->
  <aside class="tm-toc" aria-label="Table of contents">
    <div class="tm-toc-h">Terms of Service</div>
    <nav>
      <a href="#tos-1">1. Introduction &amp; Acceptance</a>
      <a href="#tos-2">2. Definitions</a>
      <a href="#tos-3">3. Subscription &amp; Payment</a>
      <a href="#tos-4">4. Use License &amp; Restrictions</a>
      <a href="#tos-5">5. Intellectual Property</a>
      <a href="#tos-6">6. Warranties &amp; Disclaimers</a>
      <a href="#tos-7">7. Limitation of Liability</a>
      <a href="#tos-8">8. Indemnification</a>
      <a href="#tos-9">9. Data Protection &amp; Security</a>
      <a href="#tos-10">10. Termination &amp; Suspension</a>
      <a href="#tos-11">11. Modifications to Terms</a>
      <a href="#tos-12">12. Third-Party Services</a>
      <a href="#tos-13">13. Governing Law</a>
      <a href="#tos-14">14. Force Majeure</a>
      <a href="#tos-15">15. Miscellaneous</a>
    </nav>
    <div class="tm-toc-h">Privacy Policy</div>
    <nav>
      <a href="#priv-1">1. Introduction</a>
      <a href="#priv-2">2. Scope</a>
      <a href="#priv-3">3. Information We Collect</a>
      <a href="#priv-4">4. How We Use Information</a>
      <a href="#priv-5">5. Data Processing &amp; Storage</a>
      <a href="#priv-6">6. Your Rights</a>
      <a href="#priv-7">7. Cookies &amp; Tracking</a>
      <a href="#priv-8">8. Children &amp; Minors</a>
      <a href="#priv-9">9. Marketing &amp; Communications</a>
      <a href="#priv-10">10. How We Share Data</a>
      <a href="#priv-11">11. Security</a>
      <a href="#priv-12">12. Data Processing Agreement</a>
      <a href="#priv-13">13. Retention &amp; Deletion</a>
      <a href="#priv-14">14. Updates to This Policy</a>
      <a href="#priv-15">15. Contact</a>
    </nav>
  </aside>

  <!-- ═══ DOCUMENTS ═══ -->
  <div>

  <!-- ─────────────────────── TERMS OF SERVICE ─────────────────────── -->
  <article class="tm-doc" id="terms">
    <div class="tm-doc-head">
      <h2>Terms of Service</h2>
      <p>Effective January 1, 2025 · Last updated May 29, 2026</p>
    </div>

    <section class="tm-sec" id="tos-1">
      <h3>1. Introduction &amp; Acceptance of Terms</h3>
      <p><span class="tm-clause">1.1</span> These Terms of Service (“Terms”) govern your use of Plattr (“the Service”), a cloud-based operating system for food businesses including point-of-sale (POS), online ordering, delivery management, loyalty programs, and marketing automation, operated by Plattr Limited (NZBN 9429053737694) (“we,” “us,” “our,” or “Plattr”), a company incorporated in New Zealand with its registered office at 53 Ngae Place, Mangere East, Auckland 2024. Plattr is offered to businesses in New Zealand and internationally.</p>
      <p><span class="tm-clause">1.2</span> By accessing, browsing, or using Plattr (including our website, applications, APIs, and services), you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Service.</p>
      <p><span class="tm-clause">1.3</span> Plattr is based in New Zealand and the Service is provided from New Zealand. These Terms are governed by New Zealand law, including the Consumer Guarantees Act 1993, the Fair Trading Act 1986, the Contract and Commercial Law Act 2017, and the Privacy Act 2020 (see Sections 6, 7, 9 and 13). Where you, your business, or your customers are located outside New Zealand, you are responsible for ensuring that your use of the Service — and your collection, use and handling of your customers’ information — complies with the laws that apply to you in those places.</p>
      <p><span class="tm-clause">1.4</span> If you are using Plattr on behalf of a business, organization, or entity, you represent and warrant that you have the authority to bind that entity to these Terms.</p>
    </section>

    <section class="tm-sec" id="tos-2">
      <h3>2. Definitions</h3>
      <ul class="tm-list">
        <li><strong>“Account”</strong> means your Plattr account, including all data, settings, and configurations.</li>
        <li><strong>“Business Data”</strong> means all data you input into Plattr, including menu items, pricing, customer information, orders, loyalty data, and payment information.</li>
        <li><strong>“Confidential Information”</strong> means non-public information disclosed by either party to the other in connection with the Service.</li>
        <li><strong>“Customer or You”</strong> means the individual, business, or entity that uses Plattr.</li>
        <li><strong>“End Users”</strong> means your staff, customers, and any third parties who interact with your Plattr account or storefront.</li>
        <li><strong>“Fees”</strong> means subscription, transaction, and usage fees you agree to pay as described in your plan.</li>
        <li><strong>“Intellectual Property (IP)”</strong> means patents, trademarks, copyrights, trade secrets, and all other intellectual property rights.</li>
        <li><strong>“Service”</strong> means Plattr and all associated features, APIs, documentation, and support.</li>
        <li><strong>“Subscription Term”</strong> means the period for which you have subscribed to Plattr (e.g., monthly, yearly).</li>
      </ul>
    </section>

    <section class="tm-sec" id="tos-3">
      <h3>3. Subscription &amp; Payment</h3>
      <p><span class="tm-clause">3.1</span> <strong>Subscription Plans:</strong> Plattr offers tiered subscription plans (Basic, Standard, Plus) with varying features, locations, staff seats, and usage limits. Plans are offered on a monthly or annual basis.</p>
      <p><span class="tm-clause">3.2</span> <strong>Pricing &amp; Fees:</strong></p>
      <ul class="tm-list tm-list--lettered">
        <li><span class="tm-ll">(a)</span> Prices shown to New Zealand customers include GST at the prevailing rate (currently 15%). For customers outside New Zealand, prices are exclusive of local taxes (such as VAT, GST, or sales tax), which we add or collect where we are required to do so. The tax applied to each payment is itemised on your invoice.</li>
        <li><span class="tm-ll">(b)</span> Annual plans receive a discount compared to monthly equivalents. You agree to the annual billing cycle in advance.</li>
        <li><span class="tm-ll">(c)</span> Promotional pricing or trial offers are limited in duration and non-refundable.</li>
        <li><span class="tm-ll">(d)</span> We reserve the right to modify Fees with 30 days’ written notice. Changes take effect at the start of your next billing cycle.</li>
        <li><span class="tm-ll">(e)</span> Additional fees may apply for overage usage (e.g., orders, email sends, SMS, storage), usage-based add-ons (domains, extended seats), and third-party integrations.</li>
      </ul>
      <p><span class="tm-clause">3.3</span> <strong>Payment Methods &amp; Processing:</strong></p>
      <ul class="tm-list tm-list--lettered">
        <li><span class="tm-ll">(a)</span> Payments are collected via Stripe or other authorized payment processors.</li>
        <li><span class="tm-ll">(b)</span> You authorize us to charge your payment method on a recurring basis for your Subscription Term.</li>
        <li><span class="tm-ll">(c)</span> Payment card information is never stored on Plattr servers; all processing is PCI-DSS compliant and handled by third-party processors.</li>
        <li><span class="tm-ll">(d)</span> Failed payments may result in account suspension. We will notify you of payment failures and provide a grace period before suspension.</li>
        <li><span class="tm-ll">(e)</span> You are responsible for maintaining accurate payment information.</li>
      </ul>
      <p><span class="tm-clause">3.4</span> <strong>Invoicing:</strong> Invoices are sent electronically. You can download and print invoices from your Plattr dashboard at any time.</p>
      <p><span class="tm-clause">3.5</span> <strong>No Refunds:</strong> Subscription fees are non-refundable. Upon cancellation, you retain access to your Account through the end of your paid Subscription Term, and your data is retained for 30 days before permanent deletion.</p>
    </section>

    <section class="tm-sec" id="tos-4">
      <h3>4. Use License &amp; Restrictions</h3>
      <p><span class="tm-clause">4.1</span> <strong>Limited License:</strong> We grant you a non-exclusive, non-transferable, revocable license to use Plattr solely for operating your food business in accordance with these Terms and your subscription plan.</p>
      <p><span class="tm-clause">4.2</span> <strong>Permitted Uses:</strong></p>
      <ul class="tm-list tm-list--lettered">
        <li><span class="tm-ll">(a)</span> Operating your point-of-sale system, accepting orders, and managing customer data</li>
        <li><span class="tm-ll">(b)</span> Managing menus, inventory, staff, and locations</li>
        <li><span class="tm-ll">(c)</span> Running loyalty programs, email campaigns, and SMS promotions</li>
        <li><span class="tm-ll">(d)</span> Integrating with third-party services (e.g., Stripe, Instagram, Mailchimp)</li>
        <li><span class="tm-ll">(e)</span> Customizing your storefront, website, and branding</li>
      </ul>
      <p><span class="tm-clause">4.3</span> <strong>Prohibited Uses:</strong> You may not:</p>
      <ul class="tm-list tm-list--lettered">
        <li><span class="tm-ll">(a)</span> Use Plattr for any unlawful purpose or in violation of applicable laws</li>
        <li><span class="tm-ll">(b)</span> Reverse-engineer, decompile, or attempt to derive the source code or algorithms</li>
        <li><span class="tm-ll">(c)</span> Circumvent security measures, access unauthorized areas, or exploit vulnerabilities</li>
        <li><span class="tm-ll">(d)</span> Scrape, crawl, or automate access without prior written consent</li>
        <li><span class="tm-ll">(e)</span> Transmit malware, viruses, worms, or any code of malicious intent</li>
        <li><span class="tm-ll">(f)</span> Spam, phish, or send unsolicited communications outside of lawful marketing using Plattr features</li>
        <li><span class="tm-ll">(g)</span> Impersonate any person or entity, or misrepresent your identity</li>
        <li><span class="tm-ll">(h)</span> Sell, resell, or distribute Plattr to third parties without express written permission</li>
        <li><span class="tm-ll">(i)</span> Use Plattr to collect or process payments illegally or fraudulently</li>
        <li><span class="tm-ll">(j)</span> Harass, defame, or violate the rights of others</li>
        <li><span class="tm-ll">(k)</span> Violate the Acceptable Use Policy or any additional terms published on our website</li>
      </ul>
      <p><span class="tm-clause">4.4</span> <strong>Consequences of Violation:</strong> Violations may result in immediate account suspension or termination without refund, legal action, and liability for damages.</p>
    </section>

    <section class="tm-sec" id="tos-5">
      <h3>5. Intellectual Property Rights</h3>
      <p><span class="tm-clause">5.1</span> <strong>Plattr IP:</strong> All content, features, functionality, code, and design of Plattr are owned by Plattr Limited or its licensors. This includes but is not limited to software, documentation, trademarks, logos, and compilation of information.</p>
      <p><span class="tm-clause">5.2</span> <strong>Your IP Rights:</strong> You retain all rights to your Business Data and customer content (e.g., menu photos, descriptions, customer reviews). You grant us a limited license to use, reproduce, and display your data solely to provide the Service and improve our features.</p>
      <p><span class="tm-clause">5.3</span> <strong>Feedback License:</strong> Any feedback, suggestions, or ideas you provide to us become our property without compensation or obligation.</p>
      <p><span class="tm-clause">5.4</span> <strong>Third-Party Content:</strong> Some content in Plattr (fonts, icons, images) may be licensed from third parties. Your use is subject to those third-party licences.</p>
      <p><span class="tm-clause">5.5</span> <strong>Copyright complaints:</strong> We respect copyright and comply with the Copyright Act 1994. If you believe material on the Service infringes your copyright, email <a href="mailto:hello@plattr.nz">hello@plattr.nz</a> with enough detail to identify the material, your contact details, and a statement of your rights, and we will investigate and, where appropriate, remove the material.</p>
    </section>

    <section class="tm-sec" id="tos-6">
      <h3>6. Warranties &amp; Disclaimers</h3>
      <p><span class="tm-clause">6.1</span> <strong>Limited Warranty:</strong> We warrant that Plattr will substantially conform to its published specifications and that we will provide the Service in a professional manner consistent with industry standards.</p>
      <p><span class="tm-clause">6.2</span> <strong>Service Availability:</strong> Plattr aims for 99.5% uptime (excluding scheduled maintenance). We make no guarantee regarding availability, and we reserve the right to perform maintenance without advance notice. Planned maintenance windows are typically announced 48 hours in advance.</p>
      <p class="tm-caps"><span class="tm-clause">6.3</span> DISCLAIMER: EXCEPT AS EXPRESSLY PROVIDED ABOVE, PLATTR IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. <span class="tm-clause">6.4</span> WE DISCLAIM ALL IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND TITLE.</p>
      <p><span class="tm-clause">6.5</span> We do not warrant that:</p>
      <ul class="tm-list tm-list--lettered">
        <li><span class="tm-ll">(a)</span> The Service will be uninterrupted, error-free, or free from malware</li>
        <li><span class="tm-ll">(b)</span> Any defects will be corrected within a specified time</li>
        <li><span class="tm-ll">(c)</span> Third-party integrations will function perfectly at all times</li>
        <li><span class="tm-ll">(d)</span> Your data will never be lost or corrupted</li>
      </ul>
      <p><span class="tm-clause">6.6</span> <strong>Consumer Guarantees Act 1993 &amp; Fair Trading Act 1986 (New Zealand):</strong></p>
      <ul class="tm-list tm-list--lettered">
        <li><span class="tm-ll">(a)</span> Where you acquire the Service for the purposes of a business, you agree that the guarantees and remedies in the Consumer Guarantees Act 1993 do not apply, to the maximum extent permitted by section 43 of that Act, and that sections 9, 12A, 13 and 14(1) of the Fair Trading Act 1986 do not apply, to the maximum extent permitted by section 5D of that Act. You confirm that it is fair and reasonable for those provisions not to apply, given the nature of the Service and its price.</li>
        <li><span class="tm-ll">(b)</span> Nothing in these Terms excludes, restricts or modifies any guarantee, right or remedy you may have under the Consumer Guarantees Act 1993, the Fair Trading Act 1986, or any other New Zealand law, where doing so cannot lawfully be excluded, restricted or modified. Where a guarantee cannot be excluded but our liability for a failure to comply with it can be limited, our liability is limited as set out in Section 7.</li>
      </ul>
      <p><span class="tm-clause">6.7</span> <strong>Consumers in Australia and other countries:</strong></p>
      <ul class="tm-list tm-list--lettered">
        <li><span class="tm-ll">(a)</span> <strong>Australia.</strong> Nothing in these Terms excludes, restricts or modifies any consumer guarantee, right or remedy under the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010 (Cth)) or any similar law that cannot lawfully be excluded. Where the Australian Consumer Law applies and permits us to limit our liability for failing to comply with a guarantee (other than one that cannot be so limited), our liability is limited, at our option, to resupplying the Service or paying the cost of having it resupplied.</li>
        <li><span class="tm-ll">(b)</span> <strong>Everywhere else.</strong> If you acquire the Service as a consumer under the mandatory law of your country of residence, you keep the benefit of any consumer rights and remedies that law gives you and that cannot lawfully be excluded. The disclaimers in this Section 6 and the limits in Section 7 apply only to the extent that law allows.</li>
      </ul>
    </section>

    <section class="tm-sec" id="tos-7">
      <h3>7. Limitation of Liability</h3>
      <p class="tm-caps"><span class="tm-clause">7.1</span> TO THE MAXIMUM EXTENT PERMITTED BY LAW, PLATTR SHALL NOT BE LIABLE FOR: (a) ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES; (b) LOST PROFITS, REVENUE, DATA, OR BUSINESS INTERRUPTION; (c) COST OF SUBSTITUTE GOODS OR SERVICES; (d) ANY CLAIMS ARISING FROM THIRD-PARTY SERVICES OR INTEGRATIONS; (e) EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.</p>
      <p><span class="tm-clause">7.2</span> <strong>Cap on Liability:</strong> Subject to Section 7.4 and to any mandatory consumer-protection law that applies to you, and except for indemnification obligations or breaches of confidentiality, Plattr’s total aggregate liability shall not exceed the fees you paid in the 12 months immediately preceding the claim.</p>
      <p><span class="tm-clause">7.3</span> <strong>Essential Basis:</strong> You acknowledge that these limitations are essential to Plattr’s pricing model and are a fundamental part of our agreement.</p>
      <p><span class="tm-clause">7.4</span> <strong>Exceptions:</strong> Nothing in these Terms limits liability for: (a) death or personal injury caused by negligence, (b) fraud or fraudulent misrepresentation, (c) statutory rights that cannot be excluded or limited under applicable law, or (d) indemnification obligations set out in Section 8.</p>
    </section>

    <section class="tm-sec" id="tos-8">
      <h3>8. Indemnification</h3>
      <p><span class="tm-clause">8.1</span> You agree to defend, indemnify, and hold harmless Plattr and its officers, directors, employees, and agents from and against any and all claims, losses, liabilities, damages, costs, and expenses (including reasonable legal costs on a solicitor-and-own-client basis) arising from or related to:</p>
      <ul class="tm-list tm-list--lettered">
        <li><span class="tm-ll">(a)</span> Your use or misuse of Plattr</li>
        <li><span class="tm-ll">(b)</span> Your violation of these Terms or applicable laws</li>
        <li><span class="tm-ll">(c)</span> Your infringement of third-party intellectual property rights</li>
        <li><span class="tm-ll">(d)</span> Your Business Data, customer data, or content uploaded to Plattr</li>
        <li><span class="tm-ll">(e)</span> Unlawful activities, fraud, or misconduct by you or your staff</li>
        <li><span class="tm-ll">(f)</span> Claims from your customers or third parties related to your business operations</li>
        <li><span class="tm-ll">(g)</span> Non-compliance with laws including payment processing, employment, and consumer protection laws</li>
      </ul>
      <p><span class="tm-clause">8.2</span> Plattr reserves the right to assume sole control of the defence at your expense. You agree to cooperate fully with our defence.</p>
    </section>

    <section class="tm-sec" id="tos-9">
      <h3>9. Data Protection &amp; Security</h3>
      <p><span class="tm-clause">9.1</span> <strong>Data Responsibility:</strong> You are the data controller for all personal data you process through Plattr. You are responsible for ensuring your use of Plattr complies with all privacy and data protection laws that apply to you — in particular the Privacy Act 2020, and, where your customers are located outside New Zealand, any privacy or data protection laws that apply to them.</p>
      <p><span class="tm-clause">9.2</span> <strong>Data Processing Agreement:</strong> Under the Privacy Act 2020 you are the agency responsible for the personal information you collect, and we handle it on your behalf as your service provider. If you require a written data processing agreement — for example because you also serve customers in the EU or UK — a standard DPA is available on request at <a href="mailto:hello@plattr.nz">hello@plattr.nz</a>.</p>
      <p><span class="tm-clause">9.3</span> <strong>Security Measures:</strong> We implement industry-standard security measures including encryption (TLS 1.2+, AES-256), access controls, regular backups, and security audits. However, no system is 100% secure.</p>
      <p><span class="tm-clause">9.4</span> <strong>Your Responsibility:</strong> You are responsible for:</p>
      <ul class="tm-list tm-list--lettered">
        <li><span class="tm-ll">(a)</span> Maintaining secure account credentials and not sharing passwords</li>
        <li><span class="tm-ll">(b)</span> Enabling two-factor authentication (2FA) where available</li>
        <li><span class="tm-ll">(c)</span> Promptly reporting any unauthorized access to <a href="mailto:hello@plattr.nz">hello@plattr.nz</a></li>
        <li><span class="tm-ll">(d)</span> Complying with all applicable privacy laws for your end users and customers</li>
        <li><span class="tm-ll">(e)</span> Training your staff on appropriate use and security practices</li>
      </ul>
      <p><span class="tm-clause">9.5</span> <strong>Privacy Breach Notification:</strong> We will notify you as soon as practicable after we become aware of any confirmed unauthorized access to your data. Where the breach is one that has caused, or is likely to cause, serious harm, we will assist you to meet your obligations under Part 6 of the Privacy Act 2020, including notifying the Office of the Privacy Commissioner and affected individuals. You remain responsible for notifying your own customers and any regulators that apply to them.</p>
      <p><span class="tm-clause">9.6</span> <strong>Data Retention:</strong> Upon account termination, we retain your data for 30 days, during which you may export it. After 30 days, data is permanently deleted. You are responsible for backing up your data before termination.</p>
    </section>

    <section class="tm-sec" id="tos-10">
      <h3>10. Termination &amp; Suspension</h3>
      <p><span class="tm-clause">10.1</span> <strong>Termination by You:</strong> You may terminate your subscription at any time through your account settings or by contacting support. Termination is effective at the end of your current billing cycle. No refunds are issued for the remaining portion of the cycle.</p>
      <p><span class="tm-clause">10.2</span> <strong>Termination by Plattr:</strong> We may terminate your account immediately and without liability if:</p>
      <ul class="tm-list tm-list--lettered">
        <li><span class="tm-ll">(a)</span> You materially violate these Terms and fail to remedy the breach within 14 days of notice</li>
        <li><span class="tm-ll">(b)</span> Payment fails and remains unpaid after a 30-day grace period</li>
        <li><span class="tm-ll">(c)</span> Your account is used for unlawful, fraudulent, or abusive purposes</li>
        <li><span class="tm-ll">(d)</span> We reasonably determine that your account poses a security risk to Plattr or other customers</li>
        <li><span class="tm-ll">(e)</span> We cease offering the Service (with 30 days’ advance notice where reasonably practicable)</li>
      </ul>
      <p><span class="tm-clause">10.3</span> <strong>Suspension:</strong> We may suspend your account without notice if your account presents an immediate security risk, is subject to a legal order or regulatory requirement, or involves suspected payment processing violations. We will notify you promptly after any suspension and provide an opportunity to respond.</p>
      <p><span class="tm-clause">10.4</span> <strong>Effect of Termination:</strong> Upon termination, your right to access Plattr ceases immediately. Your data is deleted after 30 days per Section 9.6. Termination does not relieve you of any payment obligations that accrued prior to termination.</p>
    </section>

    <section class="tm-sec" id="tos-11">
      <h3>11. Modifications to Terms</h3>
      <p><span class="tm-clause">11.1</span> We may modify these Terms at any time. Non-material changes take effect immediately upon posting to our website. Material changes (including changes to pricing, liability, or your legal rights) will be announced at least 30 days in advance via email or in-app notification.</p>
      <p><span class="tm-clause">11.2</span> Your continued use of Plattr following the effective date of any modification constitutes acceptance of the updated Terms.</p>
      <p><span class="tm-clause">11.3</span> We may modify, suspend, or discontinue any feature, functionality, or aspect of Plattr at any time, with or without notice. We are not liable for any modification, suspension, or discontinuation of features.</p>
    </section>

    <section class="tm-sec" id="tos-12">
      <h3>12. Third-Party Services &amp; Integrations</h3>
      <p><span class="tm-clause">12.1</span> Plattr integrates with third-party services including Stripe, Instagram, TikTok, Meta, Mailchimp, Zapier, Shopify, WooCommerce, AWS, Cloudflare, and others. Your use of these integrations is subject to their respective terms of service and privacy policies.</p>
      <p><span class="tm-clause">12.2</span> We are not responsible for the availability, accuracy, content, or performance of third-party services. We are not liable for third-party service outages, data loss, service changes, or any loss arising from your use of those services.</p>
      <p><span class="tm-clause">12.3</span> You are responsible for understanding and complying with each third-party service’s terms, including payment processor rules and data provider agreements. Violations of third-party terms that affect our service may result in suspension of your Plattr account.</p>
    </section>

    <section class="tm-sec" id="tos-13">
      <h3>13. Governing Law &amp; Jurisdiction</h3>
      <p><span class="tm-clause">13.1</span> <strong>Governing law:</strong> These Terms, and any dispute or claim arising out of or in connection with them or their subject matter (including non-contractual disputes or claims), are governed by and construed in accordance with the laws of New Zealand.</p>
      <p><span class="tm-clause">13.2</span> <strong>Jurisdiction &amp; dispute resolution:</strong> You and Plattr submit to the exclusive jurisdiction of the courts of New Zealand. Before starting court proceedings, the parties will first try in good faith to resolve any dispute by discussion for at least 30 days after one party gives the other written notice of the dispute. Nothing in this clause prevents either party from applying to a New Zealand court at any time for urgent interim or injunctive relief (for example, to protect intellectual property or Confidential Information).</p>
      <p><span class="tm-clause">13.3</span> <strong>Disputes Tribunal:</strong> Either party may instead bring a qualifying claim in the New Zealand Disputes Tribunal, for amounts within its jurisdiction (currently up to NZD&nbsp;$30,000).</p>
      <p><span class="tm-clause">13.4</span> <strong>Customers outside New Zealand:</strong> Our choice of New Zealand law and courts does not deprive you of the protection of any mandatory laws — including consumer-protection and data-protection laws — of the country where you are resident, where those laws cannot lawfully be excluded by agreement. If you deal with us as a consumer, you may also be entitled to bring proceedings in the courts of your own country where the law there gives you that right. In all other respects these Terms are governed by New Zealand law and subject to the jurisdiction described above, and you remain responsible for your own compliance with the local laws that apply to you and your customers.</p>
    </section>

    <section class="tm-sec" id="tos-14">
      <h3>14. Force Majeure</h3>
      <p><span class="tm-clause">14.1</span> Neither party shall be liable for any failure or delay in performance due to causes beyond its reasonable control, including acts of God, natural disasters, pandemics, war, terrorism, government actions, internet outages, or infrastructure failures.</p>
      <p><span class="tm-clause">14.2</span> The affected party shall promptly notify the other and use commercially reasonable efforts to resume performance as quickly as possible.</p>
    </section>

    <section class="tm-sec" id="tos-15">
      <h3>15. Miscellaneous</h3>
      <p><span class="tm-clause">15.1</span> <strong>Entire Agreement:</strong> These Terms, together with the Privacy Policy, any Data Processing Agreement, and any order forms or statements of work, constitute the entire agreement between you and Plattr relating to the Service, and supersede all prior agreements.</p>
      <p><span class="tm-clause">15.2</span> <strong>Severability:</strong> If any provision is found to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable. If modification is not possible, the provision shall be severed. The remaining provisions continue in full effect.</p>
      <p><span class="tm-clause">15.3</span> <strong>Waiver:</strong> Our failure to enforce any provision of these Terms at any time does not constitute a waiver of our right to enforce that provision in the future.</p>
      <p><span class="tm-clause">15.4</span> <strong>Assignment:</strong> You may not assign, transfer, or delegate these Terms or any rights or obligations without our prior written consent. We may assign our rights and obligations to a successor entity without consent.</p>
      <p><span class="tm-clause">15.5</span> <strong>Survival:</strong> Sections 5 (IP Rights), 6–8 (Warranties, Liability, Indemnification), 9 (Data Protection), 13 (Governing Law), and 15 (Miscellaneous) survive any termination of these Terms.</p>
      <p><span class="tm-clause">15.6</span> <strong>Relationship of Parties:</strong> These Terms do not create a partnership, joint venture, employment, franchise, or agency relationship between the parties.</p>
      <p><span class="tm-clause">15.7</span> <strong>Notices:</strong> Legal notices to Plattr must be sent in writing to <a href="mailto:hello@plattr.nz">hello@plattr.nz</a>. We may provide notices to you by email to the address on your account, or by in-app notification.</p>
      <p><span class="tm-clause">15.8</span> <strong>Contact:</strong> For questions or concerns, contact: Plattr Limited (NZBN 9429053737694) · 53 Ngae Place, Mangere East, Auckland 2024, New Zealand · <a href="mailto:hello@plattr.nz">hello@plattr.nz</a> · <a href="https://www.plattr.nz">www.plattr.nz</a>.</p>
    </section>
  </article>

  <!-- ─────────────────────── PRIVACY POLICY ─────────────────────── -->
  <article class="tm-doc" id="privacy">
    <div class="tm-doc-head">
      <h2>Privacy Policy</h2>
      <p>Effective January 1, 2025 · Last updated May 29, 2026</p>
    </div>

    <section class="tm-sec" id="priv-1">
      <h3>1. Introduction</h3>
      <p>Plattr Limited (“we,” “us,” “our,” or “Plattr”) is a New Zealand company committed to protecting your privacy. We handle personal information in accordance with the New Zealand Privacy Act 2020 and its Information Privacy Principles. This Privacy Policy explains how we collect, use, process, disclose, and protect information when you use Plattr — including our website, applications, APIs, and services — and when you interact with our content. Where you or your customers are located outside New Zealand, additional privacy laws may apply, and we explain how we address those below.</p>
    </section>

    <section class="tm-sec" id="priv-2">
      <h3>2. Scope</h3>
      <p>This Privacy Policy applies to:</p>
      <ul class="tm-list">
        <li><a href="https://www.plattr.nz">www.plattr.nz</a> and all subdomains (e.g., *.onplattr.com)</li>
        <li>Plattr web and mobile applications</li>
        <li>Plattr API and integrations</li>
        <li>Customer-branded storefronts hosted on our platform</li>
        <li>Third-party integrations that use our APIs (those services have their own privacy policies)</li>
      </ul>
    </section>

    <section class="tm-sec" id="priv-3">
      <h3>3. Information We Collect</h3>
      <p><span class="tm-clause">3.1</span> <strong>Information You Provide Directly:</strong></p>
      <ul class="tm-list">
        <li><strong>Account Registration:</strong> Name, email address, phone number, business name, physical address, and payment information</li>
        <li><strong>Business Data:</strong> Menu items, prices, descriptions, images, inventory levels, and customer data you enter</li>
        <li><strong>Staff &amp; Team:</strong> Employee names, email addresses, phone numbers, roles, and schedules</li>
        <li><strong>Customer Data:</strong> Names, emails, phone numbers, order history, loyalty points, and preferences of your customers</li>
        <li><strong>Payments:</strong> Credit/debit card details (processed by Stripe and never stored on our servers)</li>
        <li><strong>Communications:</strong> Support emails, feedback, survey responses, and chat messages</li>
        <li><strong>Content:</strong> Photos, videos, descriptions, social media posts, and branded materials you upload</li>
      </ul>
      <p><span class="tm-clause">3.2</span> <strong>Information Collected Automatically:</strong></p>
      <ul class="tm-list">
        <li><strong>Device Information:</strong> IP address, browser type, operating system, and device type</li>
        <li><strong>Usage Data:</strong> Pages visited, time spent, clicks, scrolls, features used, and performance metrics</li>
        <li><strong>Cookies &amp; Tracking:</strong> Session cookies, persistent cookies, web beacons, pixel tags, and analytics identifiers</li>
        <li><strong>Crash Reports &amp; Diagnostics:</strong> Error logs and system performance data</li>
        <li><strong>Location Data:</strong> Approximate location based on IP address (not precise GPS unless you enable it)</li>
        <li><strong>Third-Party Analytics:</strong> Data collected via Google Analytics, Segment, Mixpanel, or similar tools</li>
      </ul>
      <p><span class="tm-clause">3.3</span> <strong>Information from Third Parties:</strong></p>
      <ul class="tm-list">
        <li><strong>Payment Processors:</strong> Stripe shares transaction data, fraud signals, and chargeback information</li>
        <li><strong>Social Media:</strong> Instagram, TikTok, and Facebook APIs share account info, audience insights, and post performance</li>
        <li><strong>Email Providers:</strong> Resend, AWS SES, and Mailchimp share email delivery, open, and click data</li>
        <li><strong>Business Intelligence:</strong> Company registration data and industry data from public sources</li>
        <li><strong>User Referrals:</strong> If someone refers you, they share your name and contact information with us</li>
      </ul>
    </section>

    <section class="tm-sec" id="priv-4">
      <h3>4. How We Use Your Information</h3>
      <p><span class="tm-clause">4.1</span> <strong>Primary Purposes:</strong></p>
      <ul class="tm-list tm-list--lettered">
        <li><span class="tm-ll">(a)</span> <strong>Providing the Service:</strong> Account management, order processing, payment collection, customer support, and platform maintenance</li>
        <li><span class="tm-ll">(b)</span> <strong>Business Operations:</strong> Billing, invoicing, tax reporting, and compliance with legal obligations</li>
        <li><span class="tm-ll">(c)</span> <strong>Product Improvement:</strong> Analysing usage patterns, fixing bugs, developing new features, and improving the platform</li>
        <li><span class="tm-ll">(d)</span> <strong>Security:</strong> Fraud detection, account protection, DDoS prevention, and abuse monitoring</li>
        <li><span class="tm-ll">(e)</span> <strong>Marketing:</strong> Promotional emails, in-app notifications, case studies, and testimonials (with your consent)</li>
        <li><span class="tm-ll">(f)</span> <strong>Legal Compliance:</strong> Responding to legal requests, meeting regulatory obligations, and resolving disputes</li>
      </ul>
      <p><span class="tm-clause">4.2</span> <strong>Secondary Purposes:</strong></p>
      <ul class="tm-list tm-list--lettered">
        <li><span class="tm-ll">(a)</span> <strong>Personalisation:</strong> Customised dashboard, recommended features, and saved preferences</li>
        <li><span class="tm-ll">(b)</span> <strong>Analytics:</strong> Aggregated performance metrics, market research, and trend analysis</li>
        <li><span class="tm-ll">(c)</span> <strong>Communications:</strong> Newsletters, product updates, and important notices</li>
        <li><span class="tm-ll">(d)</span> <strong>Training &amp; Testing:</strong> Improving AI-assisted features and testing new functionality (using anonymised data where possible)</li>
      </ul>
      <p><span class="tm-clause">4.3</span> <strong>Why we are allowed to collect and use your information:</strong> Under the Privacy Act 2020, we collect and use personal information only for lawful purposes connected with our functions and activities, and in accordance with the Information Privacy Principles. In practice we rely on: (a) performing our agreement with you and providing the Service; (b) our legitimate business interests, such as security, fraud prevention and improving the product; (c) meeting legal obligations, such as tax and record-keeping; and (d) your consent — for example, for marketing emails and non-essential cookies, which you can withdraw at any time. If you or your customers are located outside New Zealand, additional bases may apply under the laws of those places.</p>
    </section>

    <section class="tm-sec" id="priv-5">
      <h3>5. Data Processing &amp; Storage</h3>
      <p><span class="tm-clause">5.1</span> <strong>Data Processors:</strong> We use the following categories of third-party processors, each under written data processing agreements:</p>
      <ul class="tm-list">
        <li><strong>Cloudflare</strong> — CDN, DDoS protection, and edge hosting</li>
        <li><strong>Amazon Web Services (AWS)</strong> — cloud storage and email infrastructure (SES, S3)</li>
        <li><strong>Hetzner / OVH</strong> — server infrastructure</li>
        <li><strong>Stripe</strong> — payment processing (PCI-DSS Level 1 certified)</li>
        <li><strong>Google Analytics</strong> — website and product analytics</li>
        <li><strong>Resend / Mailchimp / AWS SES / Migadu</strong> — email delivery</li>
        <li><strong>Segment</strong> — customer data management</li>
        <li>Third-party integrations you authorize (Zapier, Shopify, WooCommerce, Meta, etc.)</li>
      </ul>
      <p><span class="tm-clause">5.2</span> <strong>Data Retention:</strong></p>
      <ul class="tm-list tm-list--lettered">
        <li><span class="tm-ll">(a)</span> <strong>Account Data:</strong> Retained while your account is active; deleted 30 days after termination</li>
        <li><span class="tm-ll">(b)</span> <strong>Customer Order Data:</strong> Retained per your retention settings, typically 3–7 years for tax and legal compliance</li>
        <li><span class="tm-ll">(c)</span> <strong>Payment Records:</strong> Retained for 6 years to satisfy tax and audit requirements</li>
        <li><span class="tm-ll">(d)</span> <strong>Analytics &amp; Logs:</strong> Retained for 12–24 months</li>
        <li><span class="tm-ll">(e)</span> <strong>Email Communications:</strong> Retained for 2 years unless you request earlier deletion</li>
        <li><span class="tm-ll">(f)</span> <strong>Cookies:</strong> Session cookies expire at browser close; persistent cookies expire within 12 months</li>
      </ul>
      <p><span class="tm-clause">5.3</span> <strong>Where your data is stored &amp; overseas disclosure:</strong> Your data is primarily stored on servers located in New Zealand and Australia. Some of the processors listed in section 5.1 are based overseas, which means your information may be stored or processed outside New Zealand. Where we disclose personal information to a party outside New Zealand, we comply with Information Privacy Principle 12 of the Privacy Act 2020 and take reasonable steps to ensure the recipient protects the information with safeguards comparable to those required in New Zealand. Where your customers are located in the EU or UK, we put in place the transfer mechanisms their laws require — the European Commission’s Standard Contractual Clauses for EU data, and the UK International Data Transfer Agreement (or Addendum) for UK data. For personal information about Australian individuals, we handle overseas disclosure in line with Australian Privacy Principle 8.</p>
      <p><span class="tm-clause">5.4</span> <strong>Encryption:</strong> All data in transit is protected by TLS 1.2 or higher. All data at rest is encrypted using AES-256. Payment data is tokenized by Stripe and never stored on Plattr infrastructure.</p>
    </section>

    <section class="tm-sec" id="priv-6">
      <h3>6. Your Rights</h3>
      <p><span class="tm-clause">6.1</span> <strong>Your rights under the Privacy Act 2020 (New Zealand):</strong> You have the right to ask us whether we hold personal information about you, to access that information, and to request correction of anything that is wrong. If we decline a request, we will tell you why and note your requested correction where appropriate. You can make a complaint to us or to the Office of the Privacy Commissioner (<a href="https://www.privacy.org.nz">www.privacy.org.nz</a>) if you believe we have not handled your information properly. In limited circumstances the Privacy Act allows us to withhold information or charge a reasonable cost.</p>
      <p><span class="tm-clause">6.2</span> <strong>If you or your customers are outside New Zealand:</strong> Where the laws of another country apply, you may have additional rights, and we will honour them to the extent those laws require:</p>
      <ul class="tm-list tm-list--lettered">
        <li><span class="tm-ll">(a)</span> <strong>EU / UK (GDPR):</strong> access, rectification, erasure, restriction of processing, data portability, objection, withdrawal of consent, the right to complain to your national Data Protection Authority, and rights relating to automated decision-making.</li>
        <li><span class="tm-ll">(b)</span> <strong>California (CCPA / CPRA):</strong> the right to know, access, delete, and correct personal information; to opt out of its “sale” or “sharing” (we do not sell or share personal information as those terms are defined); to limit the use of sensitive personal information; and to be free from discrimination for exercising these rights. You may use an authorised agent to make a request. Where we handle personal information on a business customer’s behalf we act as their “service provider” and use it only to provide the Service.</li>
        <li><span class="tm-ll">(c)</span> <strong>Canada (PIPEDA):</strong> access and portability, correction and deletion, and unsubscribe via CASL-compliant mechanisms.</li>
        <li><span class="tm-ll">(d)</span> <strong>Australia (Privacy Act 1988):</strong> access and correction, and the right to complain to the Office of the Australian Information Commissioner.</li>
      </ul>
      <p><span class="tm-clause">6.3</span> <strong>How to exercise your rights:</strong> Submit requests to <a href="mailto:hello@plattr.nz">hello@plattr.nz</a> or <a href="mailto:privacy@plattr.nz">privacy@plattr.nz</a>. We will verify your identity before acting on a request. For access and correction requests under the Privacy Act 2020 we will respond as soon as reasonably practicable and no later than 20 working days after we receive your request. Requests are free of charge, although the Privacy Act allows us to charge a reasonable cost in limited circumstances.</p>
      <p><span class="tm-clause">6.4</span> <strong>Data access &amp; portability:</strong> We provide requested information in portable, machine-readable formats (CSV, JSON) where technically feasible. You can also access and export much of your data directly from your Plattr dashboard.</p>
    </section>

    <section class="tm-sec" id="priv-7">
      <h3>7. Cookies &amp; Tracking Technologies</h3>
      <p><span class="tm-clause">7.1</span> <strong>Types of Cookies We Use:</strong></p>
      <ul class="tm-list tm-list--lettered">
        <li><span class="tm-ll">(a)</span> <strong>Essential / Strictly Necessary:</strong> Required for login sessions, CSRF protection, authentication, and session management. These cannot be disabled without breaking core functionality.</li>
        <li><span class="tm-ll">(b)</span> <strong>Analytics:</strong> Google Analytics, Mixpanel, and similar tools to track user IDs, session duration, navigation paths, and feature usage.</li>
        <li><span class="tm-ll">(c)</span> <strong>Marketing &amp; Conversion:</strong> Tracking conversions, retargeting campaigns, affiliate attribution.</li>
        <li><span class="tm-ll">(d)</span> <strong>Third-Party:</strong> Social media pixels (Facebook Pixel, Instagram), Stripe fraud prevention, and authorized integration cookies.</li>
      </ul>
      <p><span class="tm-clause">7.2</span> <strong>Cookie Consent:</strong> For users in the EU, UK, Canada, and other jurisdictions where required, we present a consent management platform before placing non-essential cookies. You may withdraw or modify your cookie preferences at any time via our cookie settings panel.</p>
      <p><span class="tm-clause">7.3</span> <strong>Do Not Track (DNT):</strong> If your browser transmits a DNT signal, we respect your preference and limit non-essential tracking where technically possible.</p>
      <p><span class="tm-clause">7.4</span> <strong>Local Storage &amp; Similar Technologies:</strong> We use browser local storage, IndexedDB, and session storage for performance caching, user preferences, and offline functionality. These are not traditional cookies but serve similar purposes.</p>
    </section>

    <section class="tm-sec" id="priv-8">
      <h3>8. Children &amp; Minors</h3>
      <p><span class="tm-clause">8.1</span> Plattr is a business management platform intended for adults operating food businesses. We do not knowingly collect personal data from individuals under the age of 18 without verifiable parental or guardian consent.</p>
      <p><span class="tm-clause">8.2</span> If you are under 18, please do not use Plattr without the explicit consent and oversight of a parent or legal guardian.</p>
      <p><span class="tm-clause">8.3</span> If we discover that we have inadvertently collected data from a minor, we will promptly delete the data and notify the account holder. If you believe we have collected data from a minor, please contact <a href="mailto:privacy@plattr.nz">privacy@plattr.nz</a> immediately.</p>
    </section>

    <section class="tm-sec" id="priv-9">
      <h3>9. Marketing &amp; Communications</h3>
      <p><span class="tm-clause">9.1</span> <strong>Marketing Emails:</strong> We send promotional emails, product updates, feature announcements, and newsletters. You can unsubscribe at any time via the unsubscribe link in each email or via your account settings.</p>
      <p><span class="tm-clause">9.2</span> <strong>SMS Marketing:</strong> We obtain explicit written opt-in before sending any SMS marketing. You can opt out at any time by replying STOP to any message. Message and data rates may apply.</p>
      <p><span class="tm-clause">9.3</span> <strong>Push Notifications:</strong> Mobile app push notifications require your explicit consent. You may disable notifications via your app settings or device notification preferences.</p>
      <p><span class="tm-clause">9.4</span> <strong>Anti-spam compliance:</strong> Our marketing communications comply with the New Zealand Unsolicited Electronic Messages Act 2007 and, where they apply, overseas equivalents such as the Spam Act 2003 (Australia), CAN-SPAM (US) and CASL (Canada). Every marketing message includes (a) clear sender identification, (b) a functioning unsubscribe mechanism, and (c) our contact details; SMS marketing is sent only with your prior consent. We honour unsubscribe requests promptly, and in any event within 5 working days as required by New Zealand law.</p>
      <p><span class="tm-clause">9.5</span> <strong>Transactional Communications:</strong> Order confirmations, payment receipts, password resets, security alerts, and support responses are transactional in nature and are not subject to marketing opt-out preferences.</p>
    </section>

    <section class="tm-sec" id="priv-10">
      <h3>10. How We Share Your Data</h3>
      <p><span class="tm-clause">10.1</span> <strong>We Do Not Sell Your Data:</strong> Plattr does not sell, rent, or trade personal data to third parties for their independent marketing or advertising purposes.</p>
      <p><span class="tm-clause">10.2</span> <strong>Data Sharing Circumstances:</strong></p>
      <ul class="tm-list tm-list--lettered">
        <li><span class="tm-ll">(a)</span> <strong>Service Providers:</strong> We share data with authorized processors (Stripe, AWS, Cloudflare, etc.) under written data processing agreements that prohibit them from using data for their own purposes.</li>
        <li><span class="tm-ll">(b)</span> <strong>Authorized Integrations:</strong> Data shared with third-party services you connect (Instagram, Mailchimp, Zapier) is subject to your authorization and their terms.</li>
        <li><span class="tm-ll">(c)</span> <strong>Legal &amp; Regulatory Requests:</strong> We disclose data to law enforcement or regulators when required by valid legal process (warrant, court order, or equivalent), and we notify affected users where legally permitted.</li>
        <li><span class="tm-ll">(d)</span> <strong>Aggregated &amp; Anonymous Data:</strong> We may share anonymized, aggregated insights (e.g., industry benchmarks) where no individual can be identified.</li>
        <li><span class="tm-ll">(e)</span> <strong>Business Transfers:</strong> In the event of a merger, acquisition, or sale of assets, data may be transferred to the successor entity. We will provide notice and your rights are protected.</li>
        <li><span class="tm-ll">(f)</span> <strong>With Your Consent:</strong> We share data with third parties only with your explicit, informed consent.</li>
      </ul>
      <p><span class="tm-clause">10.3</span> <strong>Overseas disclosure:</strong> Where we disclose personal information to a party outside New Zealand, we comply with Information Privacy Principle 12 of the Privacy Act 2020 and take reasonable steps to ensure the information is protected by comparable safeguards. Where the laws of another country also apply, we use the transfer mechanisms those laws require — for example the Standard Contractual Clauses for EU data, the UK International Data Transfer Agreement for UK data, and Australian Privacy Principle 8 for Australian data.</p>
      <p><span class="tm-clause">10.4</span> <strong>Third-Party Privacy Policies:</strong> Third-party services (Stripe, Instagram, Google) have their own privacy policies independent of ours. We recommend reviewing them before connecting those services.</p>
    </section>

    <section class="tm-sec" id="priv-11">
      <h3>11. Security &amp; Data Protection</h3>
      <p><span class="tm-clause">11.1</span> <strong>Technical &amp; Organisational Security Measures:</strong></p>
      <ul class="tm-list tm-list--lettered">
        <li><span class="tm-ll">(a)</span> End-to-end encryption via TLS 1.2+ for all data in transit</li>
        <li><span class="tm-ll">(b)</span> AES-256 encryption for data at rest</li>
        <li><span class="tm-ll">(c)</span> Regular third-party security audits and annual penetration testing</li>
        <li><span class="tm-ll">(d)</span> Multi-factor authentication (MFA) and passkey (WebAuthn) support</li>
        <li><span class="tm-ll">(e)</span> Role-based access control (RBAC) with least-privilege principles</li>
        <li><span class="tm-ll">(f)</span> DDoS protection and Web Application Firewall (WAF) via Cloudflare</li>
        <li><span class="tm-ll">(g)</span> Daily automated backups with geographically distributed storage</li>
        <li><span class="tm-ll">(h)</span> Formal incident response and disaster recovery procedures</li>
        <li><span class="tm-ll">(i)</span> Aligned with recognised frameworks, including PCI-DSS (via our payment processor, Stripe) and the New Zealand Privacy Act 2020</li>
      </ul>
      <p><span class="tm-clause">11.2</span> <strong>Your Security Responsibilities:</strong> Keep credentials secure and never share passwords; enable 2FA; report suspected unauthorized access to <a href="mailto:security@plattr.nz">security@plattr.nz</a> immediately; ensure staff follow least-privilege access; and keep your contact information current so we can notify you of security events.</p>
      <p><span class="tm-clause">11.3</span> <strong>Privacy breach notification:</strong> If we become aware of a privacy breach that it is reasonable to believe has caused, or is likely to cause, serious harm, we will notify the Office of the Privacy Commissioner and the affected individuals as soon as practicable, in accordance with Part 6 of the Privacy Act 2020. Where a breach affects a merchant’s customers, we will support that merchant (as the agency responsible for its customers’ information) to meet its own notification obligations. Our notification will describe what happened, the information involved, the likely consequences, and the steps we are taking. Where the laws of other countries apply, we meet their breach-notification requirements as well: for the EU and UK, we notify the competent supervisory authority without undue delay and, where feasible, within 72 hours (Article 33 of the EU / UK GDPR), and affected individuals where the breach is likely to result in a high risk to them; and for Australia, we notify the Office of the Australian Information Commissioner and affected individuals of any eligible data breach under the Notifiable Data Breaches scheme. Where we act as a processor for a customer, we support that customer to meet these obligations.</p>
    </section>

    <section class="tm-sec" id="priv-12">
      <h3>12. Data Processing Agreement</h3>
      <p><span class="tm-clause">12.1</span> <strong>When you may need one:</strong> Under the Privacy Act 2020 you are the agency responsible for your customers’ personal information, and we handle it on your behalf as your service provider. If you need a written data processing agreement — for example because you also serve customers in the EU or UK — we provide a Standard DPA on request.</p>
      <p><span class="tm-clause">12.2</span> <strong>Standard DPA Coverage:</strong> Identification of you as data controller and Plattr as processor; scope, nature, and purpose of processing; technical and organisational security measures; sub-processor management and authorization; assistance with data subject rights; audit rights; the transfer mechanisms required for international data (the EU Standard Contractual Clauses, the UK International Data Transfer Agreement or Addendum, and equivalent safeguards for other regions); and liability allocation.</p>
      <p><span class="tm-clause">12.3</span> <strong>Requesting a DPA:</strong> Email <a href="mailto:hello@plattr.nz">hello@plattr.nz</a> with the subject line “DPA Request”. Enterprise customers may negotiate custom DPA terms.</p>
      <p><span class="tm-clause">12.4</span> <strong>Sub-Processors:</strong> Our current list of sub-processors — the third parties that help us deliver the Service and where each one operates — is available at <a href="/legal/sub-processors">plattr.nz/legal/sub-processors</a>. We will notify you of any changes with at least 30 days’ notice.</p>
      <p><span class="tm-clause">12.5</span> <strong>EU / UK Representative:</strong> Where we are required under Article 27 of the EU GDPR or the UK GDPR to designate a representative in the EU or the UK, we will appoint one and publish their contact details here and in this Privacy Policy. Until then, individuals in the EU and UK can raise any data-protection matter with our Privacy Officer at <a href="mailto:privacy@plattr.nz">privacy@plattr.nz</a>, and we will respond as those laws require.</p>
    </section>

    <section class="tm-sec" id="priv-13">
      <h3>13. Retention &amp; Deletion</h3>
      <p><span class="tm-clause">13.1</span> <strong>Data Retention Schedule:</strong></p>
      <ul class="tm-list tm-list--lettered">
        <li><span class="tm-ll">(a)</span> <strong>Active Account Data:</strong> Retained for the lifetime of your active account</li>
        <li><span class="tm-ll">(b)</span> <strong>Account Data After Termination:</strong> Deleted 30 days after account termination</li>
        <li><span class="tm-ll">(c)</span> <strong>Payment &amp; Financial Records:</strong> Retained for 6 years to satisfy tax and audit requirements</li>
        <li><span class="tm-ll">(d)</span> <strong>Customer Order &amp; Transaction Data:</strong> Retained per your settings or applicable legal requirements</li>
        <li><span class="tm-ll">(e)</span> <strong>Analytics &amp; System Logs:</strong> Retained for 12–24 months, then automatically purged</li>
        <li><span class="tm-ll">(f)</span> <strong>Email Campaign Archives:</strong> Retained for 2 years or until you delete from your account</li>
        <li><span class="tm-ll">(g)</span> <strong>Backups:</strong> Encrypted backups retained for up to 90 days then overwritten</li>
      </ul>
      <p><span class="tm-clause">13.2</span> <strong>Deletion Requests:</strong> You may request deletion of specific data at any time by contacting <a href="mailto:hello@plattr.nz">hello@plattr.nz</a> or through your account dashboard. We will process deletion within 30 days, except where retention is required by law (e.g., tax records, ongoing legal proceedings).</p>
      <p><span class="tm-clause">13.3</span> <strong>Pseudo-Anonymisation:</strong> Some data may be anonymised for aggregate analytics purposes and retained indefinitely in a form that cannot be linked back to any individual or business.</p>
    </section>

    <section class="tm-sec" id="priv-14">
      <h3>14. Updates &amp; Changes to This Policy</h3>
      <p><span class="tm-clause">14.1</span> We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or service features. Minor updates take effect upon posting.</p>
      <p><span class="tm-clause">14.2</span> Material changes (such as new categories of data collection, new sharing practices, or new data uses) will be communicated via email and prominent in-app notice at least 30 days before taking effect.</p>
      <p><span class="tm-clause">14.3</span> Your continued use of Plattr after the effective date of any update constitutes your acceptance of the revised Privacy Policy. If you do not agree with material changes, you may terminate your account before the effective date.</p>
    </section>

    <section class="tm-sec" id="priv-15">
      <h3>15. Contact Information</h3>
      <p><span class="tm-clause">15.1</span> For privacy questions, requests, or complaints:</p>
      <ul class="tm-list">
        <li>Email: <a href="mailto:hello@plattr.nz">hello@plattr.nz</a></li>
        <li>Privacy Officer: <a href="mailto:privacy@plattr.nz">privacy@plattr.nz</a></li>
        <li>Web: <a href="https://www.plattr.nz/privacy">www.plattr.nz/privacy</a></li>
        <li>Address: Plattr Limited (NZBN 9429053737694), 53 Ngae Place, Mangere East, Auckland 2024, New Zealand</li>
        <li>Response time: as soon as reasonably practicable, and no later than 20 working days for Privacy Act 2020 access and correction requests</li>
      </ul>
      <p><span class="tm-clause">15.2</span> <strong>Privacy regulators:</strong></p>
      <ul class="tm-list">
        <li><strong>New Zealand:</strong> Office of the Privacy Commissioner (<a href="https://www.privacy.org.nz">privacy.org.nz</a>) — our primary regulator</li>
        <li><strong>Australia:</strong> Office of the Australian Information Commissioner (oaic.gov.au)</li>
        <li><strong>EU / EEA:</strong> European Data Protection Board (<a href="https://www.edpb.europa.eu">www.edpb.europa.eu</a>) or your national Data Protection Authority</li>
        <li><strong>UK:</strong> Information Commissioner’s Office (ico.org.uk)</li>
        <li><strong>United States:</strong> Federal Trade Commission (ftc.gov); California: California Attorney General (oag.ca.gov)</li>
        <li><strong>Canada:</strong> Office of the Privacy Commissioner of Canada (priv.gc.ca)</li>
      </ul>
      <p><span class="tm-clause">15.3</span> If you are in New Zealand and we cannot resolve your concern, you have the right to complain to the Office of the Privacy Commissioner. If you are elsewhere, you may complain to the relevant regulator listed above, without prejudice to any other legal remedy. We encourage you to contact us first so we can address your concern directly.</p>
      <a href="#terms" class="tm-back-top"><i class="bx bx-up-arrow-alt"></i> Back to top</a>
    </section>
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