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Last updated: 11 August 2026

Marnco Limited
Privacy Policy

Introduction

Marnco Limited (Marnco) is committed to respecting your privacy. By providing personal information to us, using our website, or obtaining services from us you agree to the terms andconditions of this policy.

In this policy:

  • We, us, and our, refers to Marnco. For more information about us please see the “Contact us” section below.
  • Personal information means identifiable information about you, for example your name, email, address, and telephone number. If you cannot be identified (for example, when personal information has been aggregated and anonymised) then certain parts of this policy may not apply to that information; and
  • Website means our website and any of our online tools or applications.

When and how we may collect your personal information

The ways we may collect your personal information can be categorised into:

  • Information you provide to us directly.
  • Information which is collected automatically.
  • Information we collect from third parties.

Information you provide to us directly
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The information you may provide to us may include:

  • data allowing us to get in contact with you and your employees, officers and agents. This data may include your, your employees’, your officers’, or your agents’, name, email address, telephone number, postal address, or communication preferences.
  • information contained in or relating to any communication that you send to us or that we send to you, for example via our website or social media or over the telephone. This data may include the communication content and metadata associated with the communication, including audio recordings of telephone calls between you and us where calls are recorded.

If you choose not to provide us with your personal information, then some functions and features on our website may not be available to you.

Information collected automatically – use of cookies

Our website may use "cookies", which are small data files that are stored on your computer when you visit a website. Cookies may be used to enhance or personalise your online browsing experience. You may configure your web browser to not accept cookies, however you may experience a loss of functionality as a result.

Information collected from third parties

We may collect personal information about you from third parties with your consent or where otherwise permitted by law (for example, where the source of the information is publicly available). When it is necessary, we will notify you that we have indirectly collected your personal information and inform you of your various rights in accordance with our legal obligations as soon as reasonably practicable.

Where you provide us with any personal information about a third party, you must have that third party's consent to do so. By providing us any third party personal information, you warrant that you have that third party's permission to provide that information to us.

How we use your personal information

We may use your personal information to:

  • engage and support – communicate with and support our ongoing relationship with you, including by keeping records of our e–mail communications, telephone calls and other correspondence with you;
  • call recording and analysis – where telephone calls are recorded, maintainingrecords of customer interactions, assisting with customer service, quality assurance,staff training, resolving customer issues, identifying common customer enquiries, andimproving our products and services;
  • transactions – to provide our services, provide you with information in respect of our services, generate invoices and other payment–related documentation.
  • other business purposes – improve our services and provide you with offerings about our goods or services that may be of interest to you;
  • health and safety – monitor and maintain records of visitors and suppliers who are or have been on our premises;
  • compliance – comply with any legal requirements or protect your interests or the interests of another natural person;
  • marketing – if you opt–in to receive information from us, we may use your personal information to contact you with the information you have opted–in to receive. You can unsubscribe from our direct marketing, or change your contact preferences, by contacting us;
  • record keeping and reporting – create and maintain our databases and business records generally;
  • risk management – obtain or maintain insurance, manage risks or obtain professional advice;
  • security – to detect and prevent any illegal activity that may threaten us, or any of our services; and
  • other – carry out any other purpose as disclosed to you.

How we may share your personal information

We may disclose your personal information:

  • to our related companies and advisory groups to the extent required to support the provision of goods and services to you;
  • to third parties, including suppliers and delivery service providers, who assist us to deliver and provide our goods and services to you;
  • to other third party service providers such as IT services, data analysis, e-mail and direct mail delivery services, courier companies, electronic data storage, transmission andmanagement, payment and credit card processing, and other such services;
  • to regulators, law enforcement bodies, government agencies, courts or other third parties where it is necessary to comply with any legal requirements, or to exercise,establish or defend our legal rights; and
  • where the disclosure is otherwise required by law or in order to protect your interests or the interests of another natural person.

The third parties to whom we disclose your personal information may be located within oroutside New Zealand. Where any disclosure is to an overseas third party, we will make that disclosure in accordance with the requirements set out in the Privacy Act 2020 (Privacy Act).

We may also disclose information about you to anyone else you authorise us to disclose that information to.

Artificial Intelligence (AI)

We may use AI tools to support our business operations and service delivery, including inrelation to customer communications. We use commercial versions of these AI tools thatinclude data protection controls. When using these AI tools, we take reasonable measuresto ensure that any personal information processed through them is not used for AI modeltraining and is protected by safeguards appropriate to our obligations under the Privacy Act 2020.

Security

We take our data storage and website security seriously and will take reasonable steps to keep any personal information we hold about you secure. Please notify us immediately if you becomeaware of any breach of security.

Retention

We retain personal information only for as long as necessary for the purposes for which itwas collected and may lawfully be used, including to comply with legal obligations, resolvedisputes, maintain business records, and enforce our agreements.

Your rights

Under the Privacy Act, you have certain rights in connection with your personal information, including rights to request access to, and correction of, your personal information.

These rights are subject to certain limitations and exceptions as set out in the Privacy Act.

If you wish to exercise any of your rights described above, please contact our Privacy Officer using the details below.

Changes to this policy

Please take the time to review this policy regularly as we may review it and make changes toreflect changes in legislation, codes of practice, our business and the products and services weprovide to you. We will post updates on our website.

Contact us

If you have any questions or concerns about this policy, you can contact our Privacy Officer by:

  • email at nicola.frampton@marnco.com
  • phone at +64 27 243 7020 or
  • write to us at 190A Maunganui Road, Mount Maunganui, Attention: Nicola Frampton.

Last updated: 14 August 2026

Marnco Limited
Privacy Policy

Marnco Pty Ltd's commitment to privacy

Marnco Pty Ltd ACN 628 184 323, its subsidiaries and affiliates in Australia (collectively referred to as the Marnco Group) are committed to managing personal information in accordance with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth) (Privacy Act) and in accordance with other applicable privacy laws.
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This document sets out our policies for managing your personal information and is referred to as our Privacy Policy.
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In this Privacy Policy, “we” and “us” refers to the Marnco Group and “you” refers to any individual about whom we collect personal information.
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About the Marnco Group

The Marnco Group is a global commodity trader which specialises in the wholesale distribution of fertilizer products, predominantly in the Australian and New Zealand markets and which comprises of a number of complimentary services.
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The Marnco Group offers a complete range of services, including the following: 

  • wholesale supply and distribution of fertilizer products (including bulk, bagged and specialty fertilizers) to commercial customers; 
  • international and domestic commodity trading, including sourcing, purchasing and sale of fertilizer products;
  • import, export and logistics coordination, including shipping, freight forwarding, warehousing and customs clearance;
  • supply chain and inventory management services for fertilizer and related agricultural inputs;
  • contract negotiation and management with suppliers, distributors, agents and customers;
  • market analysis and pricing services relating to fertilizer and agricultural commodity markets;
  • customer account management, including order processing, invoicing, credit management and payment processing;
  • technical and product support services relating to fertilizer specifications, handling and regulatory compliance;
  • regulatory, compliance and quality assurance services, including compliance with biosecurity, safety and environmental requirements;
  • risk management services, including hedging and risk mitigation associated with commodity trading;
  • business development and relationship management with growers, distributors, manufacturers and other commercial partners;
  • digital and online services, including use of websites, customer portals, electronic communications and data systems;
  • marketing and communications activities directed to existing and prospective business customers;
  • corporate, administrative and professional services, including legal, finance, audit, insurance and IT support; and
  • ancillary services reasonably related to the above activities.(each a Service and, collectively, the Marnco Group Services)

Please contact us for a full list of the companies which comprise the Marnco Group and which are subject to this Privacy Policy.

What information does the Marnco Group collect about you?

Clients and prospective clients

When you enquire about the Marnco Group Services, or when you (or an entity you are affiliated with) become a client of the Marnco Group, a record is made which includes your personal information.
The type of personal information that we collect will vary depending on the circumstances of collection and the kind of Service that you request from us, but will typically include:

  • your name, e-mail, postal address and other contact details;
  • information about your employer or an organisation who you represent;
  • your professional details;
  • the features you use on our website, the pages and screens you visit and your transactions with us;
  • information from your device or browser including your mobile device identification, IP address, cookie and beacon information;
  • location information from a mobile device;
  • user content and any information that you contribute through your use of our website or other channels including social media and/or email, that is intended for public consumption, including photos, check-ins, comments, likes, talk posts, events, bookmarks, friends, lists and account profile;
  • communications between you and us. For example, we may send you administrative emails and you may provide us with information via email; and
  • any additional personal information you provide to us, or authorise us to collect, as part of your interaction with the Marnco Group.
  • any additional personal information you provide to us, or authorise us to collect, as part of your interaction with the Marnco Group.

Prospective employees or applicants

We collect personal information when recruiting personnel, such as:

  • first, middle and last names; 
  • gender;
  • home phone and mobile phone numbers; 
  • home postal and residential addresses;
  • home postal and residential addresses;
  • e-mail addresses; 
  • date of birth; 
  • tax file number; 
  • superannuation information;
  • passport number; 
  • visa information; 
  • photographic and video images; 
  • file notes; 
  • emergency contact details;
  • credit card details; 
  • bank account details; 
  • personal travel preferences; and
  • any other information which may identify an individual in connection with their employment or engagement or possible employment or engagement by the Marnco Group.

    Before offering you a position, the Marnco Group may also collect sensitive information. The sensitive information collected by the Marnco Group may include:

    • dietary requirements;
    • special prayer or religious leave needs; 
    • criminal record; 
    • credit worthiness;
    • accessibility and other needs and limitations due to a person's disability; and 
    • health information.

    The Marnco Group will only collect sensitive information where it is necessary for genuine business purposes and/or for the inherent requirements of the position, and only with a person's consent.

    Other individuals

    The Marnco Group may collect personal information about other individuals who are not clients of the Marnco Group. This includes customers and members of the public who participate in events we are involved with; individual service providers and contractors to the Marnco Group; and other individuals who interact with the Marnco Group on a commercial basis. The kinds of personal information we collect will depend on the capacity in which you are dealing with the Marnco Group. Generally, it would include your name, contact details (including your e-mail address and postal address), information about your employer or organisation who you represent, your professional details and information regarding our interactions and transactions with you. 
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    If you are participating in an event we are managing or delivering, we may take images or audio-visual recordings which identify you.
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    In limited circumstances, Marnco Group may collect information which is considered sensitive information. For example, if you are injured at an event promoted or delivered by the Marnco Group, we may collect health information about you in an emergency or otherwise with your consent.

    Visitors to our website

    The way in which we handle the personal information of visitors to our website is discussed below.
    How and why does the Marnco Group collect and use your personal information?
    The Marnco Group collects personal information reasonably necessary to carry out our business, to assess and manage your needs, and to provide the Marnco Group Services.We may also collect information to fulfil administrative functions associated with the Marnco Group Services, for example billing, entering into contracts with you and/or third parties and managing client relationships.
    The purposes for which the Marnco Group usually collects and uses personal information depend on the nature of your interaction with us, but may include:

    • responding to purchasers or prospective purchasers of fertiliser products (for example, when purchasing products traded by the Marnco Group or responding to requests for information about those products);
    • responding to and engaging with suppliers, including establishing records and systems to enable payment for goods or services;
    • collating customer inputs to support market analysis and pricing activities relating to fertiliser and agricultural commodity markets;
    • responding to requests for information and other general enquiries, including customer account management, order processing, invoicing, credit management and payment processing;
    • assessing customer credit applications and any related guarantor arrangements, including by conducting credit, bank and trade reference checks (which may include obtaining company and credit reports relating to customers from third party sources for credit assessment and account management purposes);
    • assisting with business development and relationship management with suppliers, distributors, manufacturers and other commercial partners;
    • improving the Marnco Group’s digital and online services, including websites, customer portals, electronic communications and data systems;
    • implementing marketing and communications initiatives directed to existing and prospective business customers;
    • helping the Marnco Group manage and enhance its products and Services, including analysing customer feedback and future customer needs and to innovate our delivery of products and Services;
    • providing ongoing information about the Marnco Group's products and Services;
    • conducting business processing functions including providing personal information to entities controlled by the Marnco Group, contractors, service providers or other third parties;
    • recording customer interactions and inbound phone calls and, in limited circumstances, using an artificial intelligence note taking tool to record virtual conferences with customers for the purpose of preparing transcripts of those conferences;
    • conducting marketing analytics in relation to our email communications using email marketing tosols (such as MailChimp), including by collecting data about whether recipients open emails and click on links within them;
    • collecting and using freight and logistics data, including weighbridge and gate records and contact details for delivery drivers and logistics partners;
    • collecting and using freight and logistics data, including weighbridge and gate records and contact details for delivery drivers and logistics partners;
    • collecting, using and retaining CCTV and other site surveillance footage at the Marnco Group's offices, depots, storage facilities and operational sites for safety, security, access control, asset protection, incident investigation, operational management and compliance purposes;
    • complying with regulatory and legal obligations;
    • managing, planning, promoting and administering programs, events and other initiatives;
    • researching, developing and expanding our facilities and services;
    • informing you about our activities, events, facilities and services;
    • conducting recruitment processes (including for employees, volunteers, interns and work experience); and
    • responding to enquiries and complaints.

    The Marnco Group generally collects personal information directly from you. We may collect and update your personal information over the phone, by email, over the internet or social media, or in person. We may also collect personal information about you from other sources, for example: 

    • affiliated and related companies; 
    • third-party suppliers and contractors who assist us to operate our business; and 
    • to regulators, law enforcement bodies, government agencies, courts or other third parties where it is necessary to comply with any legal requirements, or to exercise,establish or defend our legal rights; and

    You may withhold personal information

    You can always decline to give the Marnco Group any personal information we request, but that may mean we cannot provide you with some or all of the Services you have requested. If you have any concerns about personal information we have requested, please let us know.

    How does the Marnco Group interact with you via the internet?

    You may visit our website (https://www.marnco.com.au) without identifying yourself. If you identify yourself (for example, by providing your contact details in an enquiry), any personal information you provide to the Marnco Group will be managed in accordance with this Privacy Policy. 
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    The Marnco Group’s website use cookies. A “cookie” is a small file stored on your computer’s browser, which assists in managing customised settings of the website and delivering content. We collect certain information such as your device type, browser type, IP address, pages you have accessed on our websites and on third-party websites. You are not identifiable from such information.
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    You can use the settings in your browser to control how your browser deals with cookies. However, in doing so, you may be unable to access certain pages or content on our website.
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    The Marnco Group’s websites may contain links to third-party websites. The Marnco Group is not responsible for the content or privacy practices of websites that are linked to our website.

    Can you deal with the Marnco Group anonymously?

    The Marnco Group will provide individuals with the opportunity of remaining anonymous or using a pseudonym in their dealings with us where it is lawful and practicable to do so (for example, when making a general enquiry). Generally, it is not practicable for the Marnco Group to deal with individuals anonymously or pseudonymously on an ongoing basis. If we do not collect personal information about you, you may be unable to utilise our services or participate in our events, programs or activities we manage or deliver.

    How does the Marnco Group hold information?

    The Marnco Group stores information in paper-based files or other electronic record keeping methods in secure databases (including trusted third-party storage providers based in Australia and overseas). Personal information may be collected in paper-based documents and converted to electronic form for use or storage (with the original paper-based documents either archived or securely destroyed). We take reasonable steps to protect your personal information from misuse, interference and loss and from unauthorised access, modification or disclosure.
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    The Marnco Group maintains physical security over paper and electronic data stores, such as through locks and security systems at our premises. We also maintain computer and network security, for example, we use firewalls (security measures for the Internet) and other security systems such as user identifiers and passwords to control access to our computer systems.
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    Our websites do not necessarily use encryption or other technologies to ensure the secure transmission of information via the internet. Users of our websites are encouraged to exercise care in sending personal information via the internet.
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    We take steps to destroy or de-identify information that we no longer require. 

    Does the Marnco Group use or disclose your personal information for direct marketing?

    The Marnco Group may use or disclose your personal information for the purpose of informing you about our services, upcoming promotions and events, or other opportunities that may interest you. If you do not want to receive direct marketing communications, you can opt-out at any time by contacting us using the contact details below.
    If you opt-out of receiving marketing material from us, the Marnco Group may still contact you in relation to its ongoing relationship with you.

    How does the Marnco Group disclose personal information?

    For clients
    The purposes for which we may disclose your personal information will depend on the Services we are providing you with. For example, if you have engaged us to deliver a Service, we may disclose information about you to service providers where this is relevant to our services.
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    For participants in events
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    If you are a customer or participant in an event, we may disclose your personal information to our clients and venues where this is reasonably necessary for, and relevant to, the delivery of the event. We may use images or audio-visual recordings which identify you for promotional purposes where you would reasonably expect this to occur. 
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    For prospective employees and applicants
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    ‍    If you are a prospective employee or applicant, we may disclose your personal information to third parties for the purposes of assessing your prior employment history through reference checks, eligibility to work in Australia through a visa status check, educational qualifications by requesting confirmation of qualifications or results from an academic institution, or your ability to perform the inherent requirements of the position through medical professionals.
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    ‍Disclosure to contractors and other service providers
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    The Marnco Group may disclose information to third parties we engage in order to provide our Services, including contractors and service providers used for data processing, data analysis, customer satisfaction surveys, information technology services and support, website maintenance or development, printing, archiving, mail-outs, and market research.
    Personal information may also be shared between related and affiliated companies of the Marnco Group, located in Australia and overseas.
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    Third parties to whom we have disclosed your personal information may contact you directly to let you know they have collected your personal information and to give you information about their privacy policies.
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    Disclosure for administration and management
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    The Marnco Group will also disclose personal information for a range of administrative, management and operational purposes. This includes:

    • administering billing and payments and debt recovery;
    • planning, managing, monitoring and evaluating our Services;
    • quality improvement activities;
    • statistical analysis and reporting;
    • training staff, contractors and other workers;
    • risk management and management of legal liabilities and claims (for example, liaising with insurers and legal representatives);
    • responding to enquiries and complaints regarding our Services;
    • quality improvemeobtaining advice from consultants and other professional advisers; andnt activities;
    • responding to subpoenas and other legal orders and obligations.

    Other uses and disclosures
    We may use and disclose your personal information for other purposes explained at the time of collection or otherwise as set out in this Privacy Policy.
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    Does the Marnco Group disclose your personal information overseas?
    The Marnco Group works with clients, service providers, sponsors and commercial interests across the globe. It is likely that your personal information will be disclosed to overseas recipients.
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    Unless we have your consent, or an exception under the APPs applies, we will only disclose your personal information to overseas recipients where we have taken reasonable steps to ensure that the overseas recipient does not breach the APPs in relation to your personal information.
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    Entities which are related entities of the Marnco Group, or are otherwise affiliated with the Marnco Group, have operations in New Zealand. 
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    How can you access or seek correction of your personal information?
    You are entitled to access your personal information held by the Marnco Group on request. To request access to your personal information please contact our privacy officer (Privacy Officer) using the contact details set out below.
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    You will not be charged for making a request to access your personal information but you may be charged for the reasonable time and expense incurred in compiling information in response to your request.
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    We will take reasonable steps to ensure that the personal information we collect, use or disclose is accurate, complete and up-to-date. You can help us to do this by letting us know if you notice errors or discrepancies in information we hold about you and letting us know if your personal details change.
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    However, if you consider any personal information we hold about you is inaccurate, out-of-date, incomplete, irrelevant or misleading you are entitled to request correction of the information. After receiving a request from you, we will take reasonable steps to correct your information.
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    We may decline your request to access or correct your personal information in certain circumstances in accordance with the APPs. If we do refuse your request, we will provide you with a reason for our decision and, in the case of a request for correction, we will include a statement with your personal information about the requested correction.

    What should you do if you have a complaint about the handling of your personal information?
    You may contact the Marnco Group at any time if you have any questions or concerns about this Privacy Policy or about the way in which your personal information has been handled.
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    You may make a complaint about privacy to the Privacy Officer at the contact details set out below.
    The Privacy Officer will first consider your complaint to determine whether there are simple or immediate steps which can be taken to resolve the complaint. We will generally respond to your complaint within a week.
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    If your complaint requires more detailed consideration or investigation, we will acknowledge receipt of your complaint within a week and endeavour to complete our investigation into your complaint promptly. We may ask you to provide further information about your complaint and the outcome you are seeking. We will then typically gather relevant facts, locate and review relevant documents and speak with individuals involved.
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    In most cases, we will investigate and respond to a complaint within 30 days of receipt of the complaint. If the matter is more complex or our investigation may take longer, we will let you know.
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    If you are not satisfied with our response to your complaint, or you consider that the Marnco Group may have breached the APPs or the Privacy Act, a complaint may be made to the Office of the Australian Information Commissioner (OAIC). The OAIC can be contacted by telephone on 1300 363 992 or by using the contact details on the OAIC website.

    How changes are made to this privacy policy?
    The Marnco Group may amend this Privacy Policy from time to time, with or without notice to you. We recommend that you visit our website regularly to keep up to date with any changes.
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    How can you contact the Marnco Group?
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    The contact details for the Marnco Group are:
    The Marnco Group Privacy Officer
    Address: 362 Little Collins Street, Melbourne Victoria 3000 
    Email address: mark.been@marnco.com 
    Telephone number: 1300 106 700 
    This Privacy Policy was last updated in 14 August 2026.