MORTGAGEHQ LIMITED PRIVACY POLICY

mortgagehq Limited (we, us, our) complies with the Privacy Act 1993 (Act) when handling personal information. Personal information is information about an identifiable individual (a natural person). For example, name, residential address, phone number, email address, location, payment information, and identity document information.

This Privacy Policy governs the manner in which we use, maintain and disclose personal information we collect about you.

Who we collect personal information from

You are not required to provide the personal information that we request but, if you choose not to do so, in many cases we will not be able to provide our services or grant you access to our website. 

We collect personal information directly from you when:

·      you provide that personal information to us, including via our website, through any registration process;

·      you contact us (e.g. phone call or email).

We may also collect your personal information from third parties where you have authorised this or the information is publicly available.

We may also collect technical information whenever you access or use our website. This may include details of your visits to our website including, but not limited to, traffic data, location data, website analytics. We may collect this type of technical information through the use of cookies and other means.  

Cookies are alphanumeric identifiers that we transfer to your computer’s hard drive to enable our systems to recognise your browser. If you want to disable cookies, you may do so by changing the settings on your browser. However, if you do so, you may not be able to use all of the functions made available. We use the technical information we collect to have a better understanding of the way people use our website, to improve the way it works and to personalise it to be more relevant and useful to your particular needs.

How we use your personal information

We use your personal information:

·      to provide services to you;

·      to improve our services;

·      to respond to communications from you;

·      to understand how our users use our website and resources provided;

·      to bill you and process payments from you, including authorising and processing credit card transactions;

·      to market our services to you, including contacting you electronically (e.g. by text or email);

·      to protect and/or enforce our legal rights and interests, including defending any claim and verifying your compliance with any terms under which we have provided our services to you;

·      to comply with our obligations at law;

·      for any other purpose authorised by you or the Act.

How we disclose your personal information

We may disclose your personal information to:

·      a service provider that supports provision of our website and services (including any person that hosts or maintains any underlying IT system or data centre that we use to provide our website) where necessary for that business to provide those services to us;

·      any other person authorised by the Act or another law (e.g. a law enforcement agency);

·      any other person authorised by you.

Protecting your personal information

We will take reasonable steps to keep your personal information safe from loss, unauthorised activity, or other misuse. Any personal information you provide is stored by us (or a service provider contracted by us for that purpose). A service provider that supports our website may be located outside New Zealand. This may mean your personal information may be held and processed outside New Zealand.

While we take reasonable steps to maintain secure internet connections, any information you provide over the internet is at your own risk.

Accessing and correcting your personal information

Under the Act, you may access and and/or request correction of any personal information we hold about you by contacting us at [email protected].

Third party websites

You may find advertising or other content on our website that links to the websites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these websites and are not responsible for the practices employed by websites linked to or from our website. In addition, these websites or services, including their content and links, may be constantly changing. These websites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website is subject to that website’s own terms and policies.

Changes to this Privacy Policy

We may update this Privacy Policy at any time by posting it on our website. We encourage you to frequently check this page for any changes. You acknowledge and agree that it is your responsibility to review this Privacy Policy periodically and become aware of modifications.