1. What this Privacy Policy covers

1.1. This is the Privacy Policy of Nzbrokershub.co.nz (referred to in this policy as “we”, “us” or “our”) for our website and the tools on our Site (the “Site”).
1.2. We are the “agency” responsible for processing your personal information under New Zealand’s Privacy Act 2020.
1.3. If you provide us with personal information about another person, you must ensure that they have read this Privacy Policy and our Terms and Conditions and have consented to their information being shared. 
1.4. We collect and process personal information to:

• Show you relevant content and enhance your experience on the Site.
• Provide services you’ve requested.
• Communicate with you as per your agreement.
• Where permitted by law, such as regulatory compliance.

1.5. We may share your personal information with third-party partners to operate some tools on our Site. These third parties are responsible for processing your personal information in line with their privacy practices (see Section 6).
1.6. Our Site may include external links to other websites, which are not governed by this Privacy Policy. You should review the terms and privacy policy of any linked websites, as we are not liable for actions on external sites.

 

2. Personal information we collect

2.1. We collect personal information that is required for your interaction with our Site. The type of information collected will depend on the services and tools you use. Examples include:

• Email Address: If you subscribe to our emails.
• Tool Usage: Depending on the tool, we may collect your name, marital status, benefit
  entitlements, income, and banking details.
• Cookies & Tracking Technologies: We use cookies to track your browsing behavior to personalize your experience on the Site.

 

3. How we collect and use your personal information

3.1. We collect and use your personal information to facilitate your interaction with the Site:

• Emails: If you subscribe, we’ll use your email address to send you updates.
• Tools: The tools provide estimates for borrowing and repayment amounts based on the details you submit, but the results should be considered as approximations only.
• Reporting & Analysis: We use your data to generate aggregated, anonymized insights to improve our Site and personalize your experience. We may use Google Analytics for this purpose.

3.2. We may contact you for customer feedback, market research, or to notify you about promotions. Participation in surveys or research is voluntary.

 

4. Why we process your personal information

4.1. We process your personal information for the following reasons:

• Contractual Necessity: To provide the services you’ve signed up for.
• Consent: For instance, when you agree to receive emails.
• Legal Compliance: For lawful purposes as permitted under the Privacy Act 2020.
• Promotional Activities: We may use your details to contact you about relevant products or services. You can opt out of marketing emails at any time.

 

5. Use of children’s personal information

5.1. We do not knowingly collect or store personal information of children under the age of 18. If you are under 18, please ensure you have parental or guardian consent before submitting personal information.

 

6. Sharing your personal information with others

6.1. We may share your personal information with third parties in the following circumstances:

• Service Providers: Third parties providing technical or other services to help us operate the Site.
• Legal and Regulatory Authorities: If required by law or to comply with legal obligations.
• Business Transfers: If our business undergoes a merger, acquisition, or sale, your data will be transferred to the new owner.

 

7. Your information rights and responsibilities

7.1. You have certain rights regarding your personal information, including:

• Right to Access: You can request a copy of your personal data we hold.
• Right to Correct: You can request corrections to any inaccurate or incomplete personal information.
• Right to Withdraw Consent: You can withdraw your consent for us to use your personal information at any time.
• Right to Object: You can object to the use of your personal data for marketing or profiling purposes.
• Right to Deletion: You can request the deletion of your personal data from our systems, though it may persist for legal or regulatory purposes.

7.2. If you have concerns or wish to exercise your rights, please contact us at info@nzbrokershub.co.nz.

 

8. Cookies

8.1. We use cookies to enhance your experience on the Site. Cookies help us understand your
browsing habits and preferences to personalize your experience.
8.2. You can manage cookies or learn more about them at external sites like www.aboutcookies.org or www.allaboutcookies.org.

 

9. Where we store your personal information

9.1. Your personal data is stored securely in accordance with New Zealand’s privacy laws.
Occasionally, your information may be transferred or processed outside New Zealand for operational reasons. We ensure that our service providers comply with New Zealand privacy regulations.

 

10. How long we keep your personal information

10.1. We will keep your personal information for as long as needed to fulfill the purposes outlined in this Privacy Policy or until you request its deletion.
10.2. Even if deleted, personal information may remain in backup or archival systems for legal, regulatory, or tax purposes.

 

11. Changes

11.1. We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Any changes will be posted on this page. Significant changes may also be communicated via email.
11.2. You are responsible for reviewing the updated Privacy Policy to stay informed about how your personal information is handled.

 

12. How to contact us

12.1. If you have any questions or concerns regarding this Privacy Policy or your personal
information, please contact us at info@nzbrokershub.co.nz.

 

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