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Privacy Policy

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1. What This Privacy Policy Covers

This Privacy Policy outlines how [Insert Business Name] (“we”, “us”, or “our”) collects, stores, uses, and shares your personal information when you visit our website, use our tools, or submit your information to us.

Where we collect, store, and process your personal information in relation to our services and website, we act as the New Zealand “agency” for the purposes of New Zealand’s Privacy Act 2020.

If you provide us with another individual's personal information, you confirm that they have authorized you to provide it and that they understand how their information will be used.

2. Main Purposes of Processing Information

We collect and process your personal information to:

  • Show you relevant content and improve your experience on our site.

  • Provide mortgage advice, calculators, and financial services you sign up for.

  • Communicate directly with you when you have consented or requested a consultation/guide.

  • Comply with applicable laws and regulatory requirements.

3. Personal Information We Collect

The personal information we collect depends on how you interact with our website:

  • Contact & Inquiry Forms: Name, email address, phone number, and any details you share regarding your mortgage requirements.

  • Lead Magnets & Downloads: Name and email address when you request guides or resources.

  • Calculators & Tools: Financial information provided to estimate borrowing capacity, repayment amounts, income, or deposit details. (Note: Calculations are estimates only and should not be relied upon as binding financial offers).

  • Automated Data: Technical data collected via cookies and tracking tools, including IP address, browser type, and user activity on our site.

4. Legal Grounds & Why We Collect Data

We process your personal information in accordance with New Zealand privacy laws under the following grounds:

  • Performance of Service / Contract: To deliver the advice, guides, or service consultations you request.

  • Consent: Where you explicitly agree to receive marketing, newsletters, or download resources.

  • Lawful Purpose: For legitimate business functions connected with providing mortgage advice and improving our website experience.

  • Promotional Activities: To send you relevant information about our financial services or carefully selected third-party services (you may opt out at any time).

5. Use of Children’s Information

Our services and website are intended for adults. We do not knowingly collect or store personal information from individuals under the age of 18.

6. Sharing Your Information

We do not sell your personal information. However, we may share your information with trusted third parties under specific circumstances:

  • Technical & Software Providers: Hosting platforms (e.g., Wix), CRM tools, and communication services required to operate our site.

  • Legal Requirements: If requested by law enforcement, regulators, courts, or under legal proceedings.

  • Business Transfers: If our business assets or website ownership is transferred.

7. Overseas Data Storage & Security

Keeping your information secure is a priority. Your personal information may be transferred to or stored on servers located outside of New Zealand (such as cloud hosting and SaaS tools). We ensure appropriate contractual and technical protections are in place with third-party service providers to comply with New Zealand Privacy Act standards.

8. Your Information Rights

Under New Zealand’s Privacy Act 2020, you have the right to:

  • Access: Request a copy of the personal information we hold about you.

  • Correction: Request that inaccurate or incomplete personal information be updated.

  • Withdraw Consent / Opt-Out: Unsubscribe from direct marketing communications at any time via the link in our emails.

  • Deletion: Request the deletion of your personal information from our active databases. (Note: Some data may be retained in archival backups for legal, tax, or auditing purposes).

To exercise any of these rights, please contact us at [Insert Your Email Address]. If you are unsatisfied with our response, you have the right to refer your complaint to the Office of the New Zealand Privacy Commissioner.

9. Cookies & Analytical Tools

We use cookies and analytical technologies (such as Google Analytics) to analyze web traffic, understand user preferences, and tailor our content.

You can disable or manage cookies through your web browser settings at any time.

10. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy or to comply with statutory legal requirements.

11. Contact Us

If you have any questions, concerns, or privacy requests, please reach out to us:

12. Updates to This Policy

We may update this Privacy Policy from time to time to reflect legal changes or site updates. Any changes will be published on this page and will take effect immediately upon posting.

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