Privacy Policy

This Privacy Policy sets out our commitment to protecting the privacy of personal information provided to us, or otherwise collected by us, offline or online, including through our website.

In this Privacy Policy, "we", "us" or "our" means Finance Broker New Zealand NZBN [INSERT NZBN].

We are committed to complying with the Privacy Act 2020 and the Information Privacy Principles (IPPs) in our handling of personal information.

What is Personal Information?

Personal information means information about an identifiable individual. This includes any information that can be used on its own or with other information to identify, contact, or locate a single person.

The Privacy Act 2020 provides additional protections for certain types of sensitive information, including health information, which may be relevant to our assessment of your mortgage application.

What Personal Information Do We Collect?

The types of personal information we may collect about you include:

Your name
Your contact details, including email address, mailing address, street address and telephone number
Your age and/or date of birth
Your demographic information, such as postcode
Your employment details and income information
Your financial information, including assets, liabilities, expenses and credit history
Your preferences and opinions Information you provide to us through customer surveys or feedback
Details of mortgage and financial services we have provided to you or that you have enquired about, and our response to you
Your browser session and geo-location data, device and network information, statistics on page views and sessions, acquisition sources, search queries and browsing behaviour
Information about your access and use of our website, including through the use of Internet cookies, your communications with our website, the type of browser you are using, the type of operating system you are using and the domain name of your Internet service provider
Additional personal information that you provide to us, directly or indirectly, through your use of our website, associated applications, associated social media platforms and accounts from which you permit us to collect information Information from credit reports and credit checks Information about your property purchase or refinancing goals
Any other personal information requested by us or provided by you or a third party

We may collect these types of personal information directly from you or from third parties, including lenders, credit reporting agencies, and other financial service providers.

How Do We Collect and Store Personal Information?

How We Collect

We collect personal information in a variety of ways, including:

When you provide it directly to us, such as when you contact us, make an enquiry, fill out a mortgage application form, or use our services
When you interact with our website or use our services
From third parties, such as lenders, credit reporting agencies, valuers, solicitors, real estate agents, or publicly available sources
Through our use of cookies and other tracking technologies on our website When you authorise us to obtain your credit report

Where reasonable and practical, we will collect your personal information directly from you.

Where We Store

We store personal information in secure physical and electronic formats. This may include:

Secure servers and databases located in New Zealand
Cloud storage services provided by third parties
Physical records stored securely at our premises Secure file sharing platforms used in the mortgage application process

Some of our service providers may store data outside of New Zealand. Where this occurs, we take reasonable steps to ensure your information is protected in accordance with the Information Privacy Principles.

Why Do We Collect, Hold, Use and Disclose Personal Information?

We may collect, hold, use and disclose personal information for the following purposes:

To assess your mortgage application and provide mortgage broking services to you
To submit mortgage applications to lenders on your behalf
To enable you to access and use our website, associated applications and associated social media platforms
To contact and communicate with you about our services and your mortgage application
To provide financial products and services to you
For internal record keeping, administrative, invoicing and billing purposes
To comply with our obligations under the Financial Markets Conduct Act 2013, Anti-Money Laundering and Countering Financing of Terrorism Act 2009, and other applicable laws
For analytics, market research and business development, including to operate and improve our website, associated applications and associated social media platforms
To conduct credit checks and verify your identity
To manage our relationship with you and provide ongoing service
For advertising and marketing, including to send you promotional information about our products and services and information about third parties that we consider may be of interest to you
To comply with our legal obligations and resolve any disputes that we may have
To consider your employment application
Any other purpose for which the information was collected or a purpose directly related to that purpose

Do We Disclose Personal Information to Third Parties?

We may disclose personal information to:

Lenders and financial institutions to whom we submit mortgage applications on your behalf Credit reporting agencies for the purpose of obtaining credit reports and conducting credit checks
Third party service providers for the purpose of enabling them to provide their services, including IT service providers, data storage, web-hosting and server providers, maintenance or problem-solving providers, marketing or advertising providers, professional advisors (including accountants, auditors, lawyers and mortgage advisors), payment systems operators and debt collectors
Valuers, solicitors, conveyancers and real estate agents involved in your property transaction
Our employees, contractors and related entities
Our existing or potential agents or business partners Insurance providers in relation to insurance products associated with your mortgage
Government agencies and regulatory bodies as required by law, including the Financial Markets Authority and Department of Internal Affairs Sponsors or promoters of any competition we run
Anyone to whom our business or assets (or any part of them) are, or may (in good faith) be, transferred Courts, tribunals and regulatory authorities, as required by law, in connection with any actual or prospective legal proceedings, or in order to establish, exercise or defend our legal rights
Third parties, including agents or sub-contractors, who assist us in providing information, products, services or direct marketing to you
Third parties to collect and process data. This may include parties that store data outside of New Zealand

Disclosure to Overseas Recipients

Some of the recipients to whom we disclose your personal information may be based overseas, including in Australia, the United States, and other countries where our technology service providers operate.

Where we disclose your personal information to overseas recipients, we will take reasonable steps to ensure that the overseas recipient does not breach the Information Privacy Principles in relation to that information. However, you acknowledge that we may not always be able to ensure that overseas recipients handle your personal information in compliance with New Zealand privacy law, and that New Zealand privacy law may not apply to those overseas recipients.

How Do We Treat Sensitive Information?

We will only collect sensitive information (including health information that may be relevant to mortgage insurance or your application) about you with your consent, unless we are required or authorised by law to collect such information.

Sensitive information will be used and disclosed only for the purpose for which it was provided or a directly related secondary purpose, unless you otherwise agree, or an exemption under the Privacy Act 2020 applies.

Your Rights and Controlling Your Personal Information

Your Choice and Consent: By providing personal information to us, you consent to us collecting, holding, using and disclosing your personal information in accordance with this Privacy Policy. You do not have to provide personal information to us, however, if you do not, it may affect your use of our website or the products and services offered on or through it, and we may not be able to process your mortgage application.

Information from Third Parties: If we receive personal information about you from a third party, we will protect it as set out in this Privacy Policy. If you are a third party providing personal information about somebody else, you represent and warrant that you have such person's consent to provide the personal information to us.

Marketing Communications:

We may use your personal information to send you direct marketing communications including offers, updates and newsletters that are relevant to the services we provide. We may do so by mail, email, SMS or other electronic means.

You can opt-out of receiving marketing communications from us at any time by contacting us using the details below, or by using the opt-out or unsubscribe facilities provided in the communications. We will not charge you for giving effect to your opt-out request.

Restrict or Limit Use:

You may choose to restrict the collection or use of your personal information. If you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by contacting us using the details below.

Access to Your Personal Information:

You have the right to request access to the personal information that we hold about you. We will respond to your request within 20 working days. We may charge a reasonable fee for providing access to your personal information.

In certain circumstances, as set out in the Privacy Act 2020, we may refuse to provide you with access to your personal information. If we refuse your request, we will provide you with reasons for our refusal.

Correction of Your Personal Information:

You have the right to request correction of your personal information if you believe that any information we hold about you is inaccurate, out of date, incomplete, irrelevant or misleading. Please contact us using the details below. We will take reasonable steps to correct any information found to be inaccurate, incomplete, misleading or out of date.

If we refuse your request to correct your personal information, we will provide you with reasons for our refusal and information about how you can complain about our refusal.

Complaints:

If you believe that we have breached the Information Privacy Principles and wish to make a complaint, please contact us using the details below and provide us with full details of the alleged breach.

We will acknowledge your complaint promptly and investigate it. We will respond to you in writing within 20 working days setting out the outcome of our investigation and the steps we will take to deal with your complaint. You also have the right to contact the Office of the Privacy Commissioner if you wish to make a complaint.

Unsubscribe:

To unsubscribe from our email database or opt-out of communications (including marketing communications), please contact us using the details below or use the opt-out facilities provided in the communication.

How Do We Store and Protect Your Personal Information?

We are committed to ensuring that the personal information we collect is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure personal information and protect it from misuse, loss, unauthorised access, modification and disclosure.

How Long We Keep Your Information:

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, or as required by law. For mortgage broking services, this typically includes retention for a minimum of 7 years to comply with financial services regulations and legal requirements. We will take all reasonable steps to destroy or permanently de-identify personal information when it is no longer needed for any purpose for which it may be used or disclosed under the Information Privacy Principles.

Security of Information:

While we take all reasonable steps to protect your personal information, we cannot guarantee the security of any information you transmit to us over the internet. The transmission and exchange of information is carried out at your own risk.

Cookies and Web Beacons

We may use cookies on our website from time to time. Cookies are text files placed in your computer's browser to store your preferences. Cookies, by themselves, do not tell us your email address or other personally identifiable information. However, they do allow third parties, such as Google and Facebook, to cause our advertisements to appear on your social media and online media feeds as part of our retargeting campaigns.

If and when you choose to provide our website with personal information, this information may be linked to the data stored in the cookie.

We may use web beacons on our website from time to time. Web beacons (also known as Clear GIFs or pixel tags) are small pieces of code placed on a web page to monitor the visitor's behaviour and collect data about the visitor's viewing of a web page. For example, web beacons can be used to count the users who visit a web page or to deliver a cookie to the browser of a visitor viewing that page.

You can control and manage cookies through your browser settings. However, disabling cookies may affect the functionality and features of our website.

Links to Other Websites

Our website may contain links to other websites. We do not have any control over those websites and we are not responsible for the protection and privacy of any personal information which you provide whilst visiting those websites. Those websites are not governed by this Privacy Policy.

Business Without Identifying You

Where it is lawful and practicable, you may have the option of dealing with us anonymously or by using a pseudonym. However, in most circumstances it will be necessary for us to identify you in order to successfully provide our mortgage broking services to you, conduct required identity verification, and comply with our legal obligations.

Updates to This Privacy Policy

We may, at any time and at our discretion, vary this Privacy Policy by publishing the amended Privacy Policy on our website. We recommend you check our website regularly to ensure you are aware of our current Privacy Policy.

Your continued use of our website and services following any changes to this Privacy Policy will be taken to indicate your acceptance of those changes.

For any questions, concerns, or notices regarding this Privacy Policy, or to make a request to access or correct your personal information, or to make a complaint, please contact our Privacy Officer at: Finance Broker New Zealand

Email: hello@financebroker.co.nz Phone: 1300 326 352

Office of the Privacy Commissioner

Website: www.privacy.org.nz

Phone: 0800 803 909 Email: enquiries@privacy.org.nz