Privacy Policy
1. Our Commitment to Protect Your Privacy
The Mortgage Boutique Limited understands the importance of protecting your personal information. This Privacy Policy explains how we collect, use, store, disclose, and protect your personal information.
We are committed to complying with the Privacy Act 2020 and the Information Privacy Principles contained within that Act.
This Privacy Policy applies in addition to our rights and obligations under the Privacy Act 2020 and any other applicable laws.
2. Who Are We?
References in this Privacy Policy to "we", "us" and "our" mean The Mortgage Boutique Limited.
The Mortgage Boutique Limited is an Authorised Body of NZ Financial Services Group Limited (NZFSG). NZFSG holds a Financial Advice Provider (FAP) licence issued by the Financial Markets Authority, and The Mortgage Boutique Limited provides financial advice services under that licence as an Authorised Body. NZFSG is responsible for regulatory oversight and compliance monitoring of advice services provided under its licence.
3. What Personal Information Do We Collect?
Personal information means information that identifies, or can reasonably identify, you.
The information we collect may include:
Full name
Date of birth
Residential and postal address
Email address and phone numbers
Occupation and employment details
Identification information
Bank account information
Credit and financial information
Income and expenditure details
Assets and liabilities
Insurance information
Lending requirements and objectives
Information relating to your financial goals and circumstances
4. How Do We Collect Your Personal Information?
We may collect personal information:
Directly from you
When you:
Contact us by phone, email, text message, social media or through our website
Complete application forms
Seek financial advice
Provide supporting documents
From third parties authorised by you
Including:
Lenders
Insurers
Solicitors
Accountants
Real estate agents
Valuers
Credit reporting agencies
Government agencies
Other parties involved in providing financial services to you
From NZFSG
Where necessary for compliance, supervision, audit, monitoring, quality assurance, and regulatory purposes associated with the services provided under NZFSG's FAP licence.
If we collect your personal information from someone other than you, we will take reasonable steps to inform you where required under the Privacy Act.
5. Why Do We Collect and Use Your Personal Information?
We collect and use your personal information so that we can:
Provide financial advice and related services
Assess suitability for lending products
Arrange and submit applications to lenders
Verify your identity
Communicate with you regarding our services
Maintain accurate records
Meet our legal and regulatory obligations
Respond to enquiries and requests
Improve our services
We may also share information with NZ Financial Services Group Limited to enable NZFSG to fulfil its obligations as the licensed Financial Advice Provider, including compliance monitoring, supervision, quality assurance, training, regulatory reporting and audit requirements.
6. Updating Your Personal Information
We rely on the information you provide being accurate and up to date.
If your personal information changes, please notify us as soon as possible so that we can update our records.
7. Who Do We Disclose Your Personal Information To?
We may disclose your personal information where reasonably necessary to:
Lenders and other credit providers
Solicitors and conveyancing professionals
Accountants and tax advisers
Valuers and property professionals
Credit reporting agencies
Service providers and contractors who support our business operations
NZ Financial Services Group Limited and its compliance personnel for supervision, monitoring, auditing, and regulatory compliance purposes under the FAP licence arrangement
Regulatory bodies, government agencies, courts, tribunals, and law enforcement agencies where required or authorised by law
Any person or organisation authorised by you
We take reasonable steps to ensure recipients appropriately protect your personal information.
8. Do We Disclose Your Personal Information Outside New Zealand?
We may use third-party technology providers, cloud storage services and software systems that store or process data outside New Zealand.
Where personal information is transferred overseas, we will take reasonable steps to ensure it is protected in accordance with the Privacy Act 2020.
9. Our Website
Cookies and IP Addresses
When you visit our website, we may use cookies and similar technologies to collect information such as:
IP address
Device type
Browser type
Operating system
Pages viewed
Time spent on the website
Referral websites
Links clicked
This information helps us improve website functionality, monitor usage trends, and enhance our service offering.
You may disable cookies through your browser settings, although some website features may not function correctly.
Security
While we take reasonable steps to protect information transmitted through our website, no transmission over the internet can be guaranteed as completely secure.
Any information provided online is transmitted at your own risk.
Third-Party Websites
Our website may contain links to third-party websites.
We are not responsible for the privacy practices or content of those websites. We encourage you to review their privacy policies before providing personal information.
10. Are You Required to Provide Personal Information?
You are not legally required to provide personal information to us.
However, if you choose not to provide information requested by us:
We may be unable to provide financial advice.
We may be unable to assess lending options.
We may be unable to submit applications to lenders.
We may be unable to comply with legal and regulatory requirements associated with providing financial advice services.
11. Access and Correction of Personal Information
You may request access to your personal information or request correction of inaccurate information by contacting us.
We will respond to requests in accordance with the Privacy Act 2020.
Where permitted by law, we may charge a reasonable fee for providing access to information.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our business practices, legal requirements, or regulatory obligations.
Any updated version will be published on our website and will take effect from the date of publication.
13. Contact Us
If you have any questions about this Privacy Policy or the personal information we hold about you, please contact:
Hilary Johnson
Phone: 021 277 8080
Email: interest.tmb@gmail.com