Privacy Policy
Our Commitment to Protect Your Privacy: We understand the importance of protecting your personal information. This Privacy Policy outlines our commitment to safeguarding the personal information we collect, use, store, and disclose.
We are committed to ensuring that your personal information is treated with the highest level of security and confidentiality, in compliance with the Privacy Act 2020 (or any successor legislation) and other applicable laws. This Privacy Policy supplements our obligations under the Privacy Act and does not limit your rights under it.
Who We Are References to “we,” “us,” and “our” in this Privacy Policy refer to Loans & Mortgages, acting through a Financial Adviser.
Your Consent: By providing us with your personal information, engaging our services, or using our website, you consent to the collection, use, storage, and disclosure of your personal information as described in this Privacy Policy.
Changes to This Privacy Policy: We may update this Privacy Policy from time to time to reflect legal or business changes. Any updates will be published on our website, and by continuing to use our services, you agree to the revised Privacy Policy.
What Personal Information Do We Collect? We collect personal information that identifies or is capable of identifying you. This may include:
- Name, date of birth, address, and contact details
- Occupation and account details
- Financial information relevant to providing mortgage and insurance recommendations
- Any other information necessary to provide you with our services.
Why Do We Collect Your Personal Information? We collect your personal information to:
- Respond to your inquiries and provide services
- Recommend mortgage and insurance products (“Products”)
- Communicate with you, including sending marketing material (you may opt out at any time)
- Conduct market research
- Comply with legal obligations and industry standards.
- Additionally, we may collect credit and health information on behalf of lenders, insurers, and other product providers (“Product Providers”). Product Providers have their own privacy policies governing their use of your information.
How Do We Collect Your Personal Information? We primarily collect information directly from you, such as:
- When you use our website or submit information online
- When you engage with us via phone, email, or in person
- Through financial applications and loan or insurance inquiries
We may also collect information from:
- NZ Financial Services Group Limited (NZFSG) and its affiliates
- Credit reporting agencies
- Your bank (with authorization) and employer
- Product Providers, including periodic updates regarding loans or insurance
- Any other authorized parties or as permitted by the Privacy Act
If you provide personal information about others, you confirm that you have their consent to do so.
Keeping Your Information Updated: To ensure accuracy, we rely on you to notify us of any changes to your personal information. Please contact us to update your details.
Who Do We Disclose Your Personal Information To? We may disclose your personal information to:
- NZFSG and its affiliates
- Product Providers, lenders, mortgage insurers, and other financial intermediaries
- Referral partners offering complementary services
- Regulators, auditors, and government agencies as required by law
- Potential investors, assignees, or business partners in case of business changes
- Credit reporting and identity verification agencies
Before disclosing your information to any third party, we take reasonable steps to ensure they uphold a similar level of privacy protection.
Disclosure of Information Outside New Zealand: Your personal information may be stored in cloud services with IT infrastructure outside New Zealand. We may also share information with overseas affiliates and third-party providers when necessary.
Website and Online Privacy:
Cookies and IP Addresses We use cookies to enhance website functionality and analyze visitor behavior. Cookies help us track:
- Website traffic and usage trends
- User interactions and engagement
- Device and browser details
You can disable cookies in your browser settings, but this may affect website functionality.
Security While we take steps to secure our website, the internet is inherently insecure. Any information transmitted online is at your own risk.
Third-Party Links and Advertising Our website may contain links to third-party websites or advertisements. We are not responsible for their privacy policies or data collection practices.
Providing Personal Information Is Voluntary:
You are not required to provide personal information, but refusal may impact our ability to offer you financial services and advice.
Where possible, you may interact with us anonymously; however, certain services require verification of your identity.
Accessing and Correcting Your Personal Information:
You may request access to or correction of the personal information we hold about you. A reasonable fee may apply for information retrieval.
Contact Us: For any questions about this Privacy Policy or your personal information, please contact us.
Last Updated: March 2021