Privacy Policy

1. Our commitment to protect your privacy

We understand how important it is to protect your personal information. This document sets out our privacy commitment in respect of personal information we hold about you and what we do with that information.

It is important to us that you are confident that any personal information we hold about you will be treated in a way which ensures protection of your personal information.

Our commitment in respect of personal information is to abide by the Privacy Principles set out in the Privacy Act 2020 (or any successor legislation) and all other applicable laws. This Privacy Policy applies in addition to, and does not limit, our rights and obligations under the Privacy Act and other applicable laws.

2. Who are we

References in this Privacy Policy to “we”, “us” and “our” means Expert Financial, acting through a Financial Adviser.

3. Your authorisation

By providing us with personal information, engaging us to provide you with services, or by using our website, you consent to the collection, use, storage and disclosure of personal information in accordance with this Privacy Policy.

4. Changes to our Privacy Policy

We may change our Privacy Policy from time to time by publishing an updated version on this page, to reflect changes in the law and also our business needs so long as the changes do not disadvantage you. By continuing to engage us or use our website you will be deemed to have accepted the updated Privacy Policy.

5. What personal information do we collect?

When we refer to personal information, we mean information that identifies, or is capable of identifying, you. This includes, for example, your name, date of birth, address, contact details, account details and occupation.

If you engage us to provide services to you, we may collect personal information about your financial situation or goals in order to recommend mortgage and insurance products that we are permitted to advise on.

6. Why do we collect your personal information?

We collect your personal information for the purposes of our and relevant third parties’ services and relationship with you. For example:

• Responding to your requests or inquiries;
• Providing services to you (e.g. to enable us to recommend Products to you);
• Sending communications and direct marketing about products and services we think may be of interest to you;
• Market research; and
• Any other purpose authorised by you or the Privacy Act.

If you do not wish to receive marketing information, you may ‘opt out’ at any time by notifying us.

7. How do we collect your personal information?

We generally collect your personal information directly from you, including through your use of our website and during conversations with us. We may also collect your personal information from:

• NZ Financial Services Group Limited (NZFSG) and its related bodies corporate;
• Credit reporting agencies;
• Banks and employers (with your authorisation);
• Product Providers (e.g. during the term of any loan or insurance we have arranged on your behalf); and
• Any other person authorised by you or the Privacy Act.

8. Updating your personal information

We rely on you to ensure the information we hold about you is accurate. If any of your details change, please let us know as soon as possible by contacting us.

9. Who do we disclose your personal information to?

• NZFSG and its related bodies corporate;
• Product Providers, prospective lenders, or intermediaries related to your finance or insurance requirements;
• Referral partners who can help you with other services;
• Contractors or service providers;
• Investors or entities with an interest in our business;
• Regulators and government agencies;
• Auditors (such as NZFSG) for compliance and quality purposes;
• Your employer, referees, and credit reporting agencies; and
• Any other person or entity authorised by you or the Privacy Act.

Prior to disclosing any of your personal information to another organisation, we will take all reasonable steps to ensure they have a commitment to protecting your information equal to our own.

10. Do we disclose your personal information outside New Zealand?

We may use cloud storage or third-party suppliers located outside New Zealand to store and process personal information. These providers are selected carefully to maintain appropriate security standards.

11. Our Website

We may use cookies and similar technologies to analyse website traffic and improve our services. Cookies may collect non-identifiable information such as your IP address, browser type, and usage patterns. If you do not wish to receive cookies, you can adjust your browser settings to refuse them.

While we take reasonable precautions, internet transmission is inherently insecure. We cannot guarantee complete security of any data transmitted online.

Our website may contain links to third-party websites. We are not responsible for their content or privacy practices. We recommend reviewing their privacy policies separately.

12. Are you required to provide personal information?

You are not required to provide personal information to us, but it may affect our ability to provide services or advice. In most cases, we need to verify your identity to proceed with services like mortgage or insurance applications.

13. Access and correction of your personal information

You may request access to or correction of the personal information we hold about you at any time by contacting us. We may charge a reasonable fee for retrieving and supplying this information.

14. Further information

If you have any questions about this Privacy Policy or how we handle your personal information, please contact us. This Privacy Policy was last updated in March 2021.