How The Mortgage Advisers collects, uses, shares and protects your personal information, and how you can access or correct it.
Your personal information matters to us. This Privacy Policy explains what personal information The Mortgage Advisers holds about you, why we hold it and what we do with it.
We follow the Information Privacy Principles in the Privacy Act 2020 (and any law that replaces it) and all other laws that apply to us. This policy sits alongside those laws and does not limit your rights or our obligations under them.
In this policy, “we”, “us” and “our” means The Mortgage Advisers, the financial advice business through which Sarah Hood (mortgage adviser) and Nik Trainin (financial adviser) provide advice and arrange home loans, insurance and related services for you.
We are a member of the Loan Market and Insurance Market group, operated by NZ Financial Services Group Limited (NZFSG). Section 09 explains how that membership affects your information.
By giving us your personal information, asking us to provide services, or using this website, you agree to us collecting, using, storing and sharing your personal information as described in this policy.
Personal information is information that identifies you, or could be used to identify you. It includes things like your name, date of birth, address, contact details, account details and occupation.
When you ask us for advice, we may also collect information about your financial position and goals so we can recommend the home loan and insurance products we are permitted to advise on (“Products”). For insurance, this can include health information.
We collect personal information so we, and the third parties described in section 09, can provide our services and manage our relationship with you. For example, to:
You can opt out of marketing at any time by letting us know.
We may also collect personal information, including credit and health information, on behalf of the lenders, insurers and other providers you choose to apply to (“Product Providers”). Each Product Provider has its own privacy policy that applies to the information we collect for it.
Most of the time we collect information directly from you, including through our website forms, phone calls, emails and meetings.
We may also collect information about you from:
If we collect information about you from someone else, we will take reasonable steps to let you know as soon as practicable, unless the Privacy Act says we do not need to.
If you give us personal information about another person, such as a partner or co-borrower, you confirm that they have agreed to us collecting, using and sharing it under this policy, and that they know they can access and ask to correct it.
We rely on you to make sure the information we hold is accurate. If any of your details change, please let us know as soon as you can.
We may share your personal information with the following people where we consider it necessary for the purposes in section 05:
Credit reporting agencies may keep your credit information, including any default information, on their systems and use it to provide credit reporting services to their customers.
Before we share your information with anyone, we take reasonable steps to make sure they are committed to protecting it at least as carefully as we do.
We may use cloud storage, and the servers holding your information may be located outside New Zealand.
We may also share information with NZFSG’s related companies and with suppliers and service providers based overseas for the purposes described in this policy.
When you visit our website we may place a cookie, a small file with a unique ID, on your device. Cookies help us recognise your device on return visits, understand which pages are used and how people move through the site, and improve our website and services. They may record your IP address, device and browser type, operating system, pages viewed, time on page, search terms, links clicked and similar usage information.
Cookies do not identify you on their own. If you submit your name and email address through the site, we may link that to the cookie information we have collected.
You can set your browser to refuse cookies if you prefer.
The internet is not a completely secure environment. We cannot guarantee that information you send us online will not be intercepted, so any information you send through the website is sent at your own risk.
Our website may link to websites run by others and may show advertising hosted by third parties. We are not responsible for their privacy practices or content. Advertising partners may use cookies, web beacons or similar tools to collect non-identifying information about your activity on our site and other sites, so they can show you advertising based on your interests.
No. But if you choose not to, we may not be able to provide our services, and you may not be able to get finance, insurance or other Products.
In most cases we need to identify you to do business with you. Where it is lawful and practical, you can deal with us without giving personal information, for example when asking a general question about interest rates.
You can browse our website anonymously, but we cannot contact you unless you give us your details.
You can ask to see, and ask us to correct, the personal information we hold about you at any time by contacting us. We may charge a reasonable fee to cover the cost of retrieving and providing it.
If you have a concern about how we have handled your information, please talk to us first. If you are not satisfied with our response, you can contact the Office of the Privacy Commissioner at privacy.org.nz.
We may update this policy from time to time to reflect changes in the law or our business, as long as the changes do not disadvantage you. The current version will always be on this page. If you keep working with us or using our website after an update, you are treated as accepting the updated policy.
If you have any questions about this policy or your personal information, please get in touch.
