Privacy Policy

This Privacy Policy governs the manner in which Retirement Income Group Limited (Retirement Income Group or RIG) collects, uses, maintains and discloses information collected from users (each, a "User") of,,,, and, websites. This privacy policy applies to all the websites and all products and services offered by Retirement Income Group, inclusive of subsidiaries of Retirement Income Group; Lifetime Asset Management Limited, Lifetime Income Limited and Lifetime Trustee Limited. 

Personal identification information

We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our sites, register on the sites, and in connection with other activities, services, features or resources we make available on our Sites. Users may be asked for, as appropriate, name, email address and other relevant information (i.e how the User discovered our product and service). We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities.

Non-personal identification information

We may collect non-personal identification information about Users whenever they interact with our Sites. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Sites, such as the operating system and the Internet service providers utilized and other similar information.

Call Recording

We may monitor and record phone calls to the Lifetime 0800 number (0800 254 338) and to 04 472 7902, for quality control and/or staff training purposes and other purposes related to the purpose of your call. 

For access and correction requests or for other queries in relation to personal information regarding our call centres please contact

Web browser cookies

Our Site may use "cookies" to enhance User experience. User's web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Sites may not function properly.

How we use collected information

Retirement Income Group may collect and use Users personal information for the following purposes:

  • To improve customer service: Information you provide helps us respond to your customer service requests and support needs more efficiently.
  • To personalize user experience: We may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site.
  • To improve our Site: We may use feedback you provide to improve our products and services.
  • To enhance our marketing: Information you provide helps us to better understand how our Users have discovered us, allowing us to refine our external promotional activities.

How we protect your information

We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.

Sharing your personal information

We do not sell, trade, or rent Users personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above.

Third party websites

Users may find advertising or other content on our Site that link to the sites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website's own terms and policies.

Changes to this privacy policy

Retirement Income Group has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

Your acceptance of these terms

By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.

Contacting Us

If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us at:

Retirement Income Group Limited

PO Box 10760

Wellington 6143

Legal Terms and Conditions

By accessing,,,, and, websites you agree to be bound by the Terms and Conditions set out below.

Lifetime Asset Management Limited (LAM), Manager and Issuer of Lifetime Retirement Income Fund, Garrison Bridge Superannuation Scheme, Lifetime Master Trust and Superannuation Master Trust, reserves the right to vary the information on,,,, and, websites, including these Terms and Conditions, at any time without notice. 

Your continued use of the,,,, and, websites following any changes to the Terms and Conditions indicates your acceptance of those changes.

The content on,,,, and, websites, including tools and calculators, is for information purposes only.  The information is of a general nature only and does not constitute personalised financial advice or other professional advice.  Before taking any action, you should always consider seeking personalised financial advice relevant to your personal circumstances from a financial adviser.

These Terms and Conditions and use of,,,, and, websites are governed by New Zealand law and they are subject to the exclusive jurisdiction of the New Zealand courts.  The information on has been prepared in accordance with New Zealand law for the supply of products and services in New Zealand only.

To the maximum extent permitted by law, LAM disclaims all liability or responsibility for any direct or indirect loss or damage that may result from any errors or omissions on,,,, and, websites, including reliance on information contained on,,,, and, websites, reliance on the tools and calculators provided on,,,, and, websites, or access to, or use of, or inability to use,

While care has been taken to supply information on,,,, and, websites that is up-to-date and accurate, LAM does not give any guarantee of the accuracy, correctness, adequacy or completeness of such information (including tools and calculators) or its suitability for your intended use.  LAM may change the content of (including product and investment information) and these Terms and Conditions at any time without notice.

None of LAM, any of its employees or agents, or any other party, guarantees the performance of any of the investment products contained on,,,, and, websites, gives any warranty of reliability or accuracy, or accepts any responsibility arising in any way from any error or omission.  Any projections or predictions or calculations provided by the tools and calculators included on,,,, and, websites are not guaranteed.  

Where unit prices are shown, while care has been taken in producing and updating unit prices information, members should check the current unit price with LAM before relying on unit price information.

While care has been taken to prevent the introduction of viruses to,,,, and, websites LAM does not guarantee that this website is free from viruses.

LAM does not guarantee the continued availability of,,,, and, or the continuation of any services provided on it.

Customer Acknowledgement and Indemnity
You agree to follow any instructions supplied to you in relation to the use of,,,, and, websites and you agree not to use, or permit,,,, and, websites or any part, to be used for any illegal or improper purpose.  You agree to indemnify LAM and hold us harmless for any loss incurred or damage suffered by us, our customers or a third party, or for any claim or action which may be brought against us by a member or third party, which is in any way the result of your use of,,,, and, websites, or your failure to take all reasonable steps to prevent unauthorised use of,,,, and, websites.

LAM takes no responsibility for any information contained in any website accessed via a hypertext link from,,,, and, websites or any other website that is linked to,,,, and, websites  The content, accuracy and opinions expressed in such websites are not necessarily checked, monitored or endorsed by LAM.

LAM or its agents or supplies own copyright of the information, images, text, screens and web pages appearing on,,,, and, websites. This includes, but is not limited to, all,,,, and, websites content, code, look and feel, text, graphics, logos, button icons, images, audio and video clips and software. It is protected by New Zealand and international copyright law.

The information and materials appearing on,,,, and, websites  may not be copied, modified, published, reposted, reused or used to create a derivative work without the express written permission of LAM.