We understand the importance of protecting your personal information. This document outlines our commitment to privacy regarding the personal data we hold about you and how we handle that information.
It is essential to us that you have confidence that any personal information we hold about you will be treated in a manner that ensures its protection.
Our commitment to personal information is to comply with the Privacy Principles set out in the Privacy Act 2020 (or any successor legislation) (the Privacy Act) 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.
References in this Privacy Policy to “we,” “us,” and “our” mean Home Loan and Mortgage Projects Limited operating as a mortgage advisory and brokerage service.
By providing us with personal information, engaging us to provide you with services, or using our website, you consent to collecting, storing, and disclosing personal information following this Privacy Policy.
We may change our Privacy Policy occasionally by publishing an updated version on this page to reflect changes in the law and our business needs, as 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.
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, we may collect personal information about your financial situation or goals to recommend mortgage and insurance products (Products).
We collect your personal information for the purposes of our and relevant third parties’ services and relationship with you (refer to section 9 below: “Who do we disclose your personal information to?”). For example:
Responding to your requests or inquiries;
Providing services to you (e.g., recommending Products);
Sending communications and direct marketing about products and services we think may interest you (via mail, telephone, or electronic means including email and SMS/MMS);
Market research; and
Any other purpose authorized 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.
We may also collect personal information (including credit information and health information) on behalf of lenders, insurers, and other Product Providers you choose to apply for. Product Providers will have their Privacy Policy that applies to the information we collect on their behalf.
Generally, we collect your personal information directly from you, including through your use of our website and the information you submit to it. We also collect personal information if you use the “contact us” functionality on our website and during conversations between you and us.
We may also collect your personal information from:
Kiwi Adviser Network (KAN) and its related bodies corporate;
Credit reporting agencies;
With your authorization, banks (e.g., through the use of illion Bank Statements) and employers;
Product Providers (e.g., during the term of any loan or insurance we arrange on your behalf, to answer your queries or assist with your financial arrangements as your circumstances change). Product Providers may also periodically disclose your loan balance or premium to us regarding ongoing commission payments to us over the term of your loan or insurance; and
Any other person authorized by you or the Privacy Act.
If you provide any personal information about anyone else to us, you confirm that you have collected that information in accordance with the Privacy Act and that the individual concerned has:
Authorized the disclosure to us and the collection, use, and disclosure of their personal information by us following this Privacy Policy; and
Be informed of their right to access and request correction of their personal information.
We will generally 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.
We may disclose your personal information to the following people if we consider it necessary for the purposes described in section 6 above:
(KAN) and its related bodies corporate;
Product Providers and other prospective lenders, third parties, or intermediaries in relation to your finance or insurance requirements (including a prospective lender’s mortgage insurer, any person with whom a lender or insurer proposes to enter into contractual arrangements, any person who provides a guarantee or security, any trustee, and any assignee or potential assignee of a lender’s or insurer’s rights);
Our referral partners can help you with other services;
Contractors or service providers;
Investors, or any entity that has an interest in our business or any entity to whom we consider assigning or transferring any of our rights or obligations or selling all or part of our business;
Anyone who we are legally required or authorized to share your information with, including regulators and government agencies;
Auditors (such as (KAN)) to ensure we are providing services to you that are in your best interests and following current regulations;
Your employer and referees, as well as credit reporting and identity verification agencies; and
Any other person or entity authorized by you or the Privacy Act.
You acknowledge and agree that credit reporting agencies may hold your credit information (including default information) on their systems and use such information to provide their credit reporting services, which may include providing your credit information (including default information) to their customers.
Before disclosing any of your personal information to another person or organization, we will take all reasonable steps to ensure that the person or organization commits to protecting your personal information at least equal to our commitment.
We may use cloud storage to store the personal information we hold about you. The cloud storage and IT servers may be located outside New Zealand.
We may also disclose personal information to (KAN) and its related bodies corporate, and third-party suppliers and service providers located overseas for some of the purposes listed above.
When you access our website, we may send a “cookie” (a small summary file containing a unique ID number) to your computer. This enables us to recognize your computer each time you visit our website. We also use cookies to measure traffic patterns, determine which areas of our website have been visited, measure transaction patterns, analyze trends, administer the website, track users’ movements, and gather broad demographic information. We use this to research our users’ habits so that we can improve our website and our service offerings. Our cookies may record information such as your Internet Protocol (IP) address (i.e., the electronic addresses of computers connected to the internet), your device and browser type, operating system, the pages or features of our site you have browsed, the time spent on those pages or features, the frequency with which the site is used by you, the search terms you have used, the links on our site that you have clicked on or used, and other usage statistics.
While our cookies do not collect personal information, if you submit your name and email address as part of your usage, we will link that personal information with the cookie information we have previously collected from you.
If you do not wish to receive cookies, you can set your browser so that your computer does not accept them.
As our website is linked to the internet, and the internet is inherently insecure, we cannot provide any assurance regarding the security of the transmission of information you communicate to us online. We also cannot guarantee that the information you supply will not be intercepted while being transmitted over the internet. Accordingly, any personal information or other information you transmit to us online is transmitted at your own risk.
Our website may contain links to other websites operated by third parties. Our website may also display advertisements, which are hosted by third parties.
We make no representations or warranties regarding the privacy practices of any third-party website or advertisement providers and are not responsible for other privacy policies or the content of any third-party website or advertisements. Third-party websites are responsible for informing you about their privacy practices.
Our online advertising network partner may use cookies, web beacons, or other web tracking techniques to collect non-personally identifiable information about your activities on the website and other websites you may visit to provide you with targeted advertising based on your interests.
You are not required to provide any personal information to us, but if you choose not to, it might affect our ability to provide services to you and your ability to obtain finance, insurance, and other Products from Product Providers.
In most circumstances, it will be necessary for us to identify you to do business with you successfully. However, where it is lawful and practicable to do so, we will offer you the opportunity to do business with us without providing personal information. For example, if you make general inquiries about interest rates or current promotional offers.
You may choose to interact with our website anonymously, but we will not be able to contact you unless you provide your personal information.
You may access and request correction of any personal information that we hold about you at any time by contacting us. We may charge a fee for our reasonable costs of retrieving and supplying the information to you.
If you have any questions about our Privacy Policy or your personal information, please contact us.
This Privacy Policy was last updated in June 2024.
Your Enquiry Is My Project: Providing Expert Mortgage Advice at Every Step
© Home Loan & Mortage Projects. © Home Loan & Mortage Projects. All Rights Reserved.
Based in Hamilton, Waikato. Offering Expert Services Nationwide
