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.

Our commitment is to abide by the Privacy Principles set out in the Privacy Act 2020 and all other applicable laws. This Privacy Policy applies in addition to, and does not limit, our rights and obligations under the Privacy Act.

2. Who are we

References in this Privacy Policy to "we", "us" and "our" means Finnovo Finance Limited 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 our business needs. 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?

Personal information means information that identifies, or is capable of identifying, you — for example your name, date of birth, address, contact details, account details and occupation. If you engage us to provide services, we may also collect information about your financial situation or goals in order to recommend mortgage and insurance products.

6. Why do we collect your personal information?

We collect your personal information for the purposes of providing our services and our relationship with you, including:

• Responding to your requests or enquiries.
• Providing services to you — for example, 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.
• 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. We may also collect personal information on behalf of the lenders, insurers and other providers of products that you choose to apply for. Those providers will have their own privacy policies that apply.

7. How do we collect your personal information?

Generally we collect your personal information directly from you — through our website, enquiry forms, and conversations with you. We may also collect it from:

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

If we collect your personal information from someone other than you, we will take reasonable steps to notify you as soon as practicable, unless an exception under the Privacy Act applies.

8. Updating your personal information

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

9. Who do we disclose your personal information to?

We may disclose your personal information to the following people where necessary:

• NZFSG and its related bodies corporate.
• Product providers and other prospective lenders, third parties or intermediaries in relation to your finance or insurance requirements.
• Our referral partners who can help you with other services.
• Contractors or service providers.
• Regulators, government agencies, and auditors where legally required.
• Your employer and referees, as well as credit reporting and identity verification agencies.
• Any other person or entity authorised by you or the Privacy Act.

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

We may use cloud storage located outside New Zealand. We may also disclose personal information to NZFSG and its related bodies, and third-party service providers located overseas for some of the purposes listed above.

11. Our website

Cookies: When you access our website, we may send a cookie to your computer to recognise your device on future visits and to analyse traffic patterns and usage. If you do not wish to receive cookies, you can set your browser to decline them.

Security: As our website is linked to the internet, we cannot guarantee the security of information transmitted online. Any personal information you transmit to us online is transmitted at your own risk.

Third-party links: Our website may contain links to third-party websites. We are not responsible for those websites' privacy practices.

12. Are you required to provide personal information to us?

You are not required to provide personal information, but if you choose not to, it may affect our ability to provide services to you and your ability to obtain products from providers. In most cases it will be necessary for us to identify you in order to do business with you.

13. Access and correction

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

14. Further information

If you have any questions about this Privacy Policy or your personal information, please contact us: