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Privacy Policy

1. Our Commitment to Protect Your Privacy

We understand how important it is to protect your personal information. This document outlines our commitment to protecting the personal information we hold about you and explains what we do with that information.

It is important to us that you feel confident your personal information is treated in a way that ensures its protection.

We are committed to complying with the Privacy Principles set out in the Privacy Act 2020 (or any successor legislation) 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.

2. Who We Are

References in this Privacy Policy to "we," "us," and "our" refer to AQ Mortgages, Mihali Enterprises Limited, trading as Bozinoff Mortgages acting through a Financial Adviser.

3. Your Authorisation

By providing us with personal information, engaging our services, or using our website, you consent to the collection, use, storage, and disclosure of your personal information in accordance with this Privacy Policy.

4. Changes to Our Privacy Policy

We may update this Privacy Policy from time to time by publishing an updated version on this page. Updates will reflect changes in law or our business operations and will not disadvantage you. By continuing to engage us or use our website, you agree to the updated Privacy Policy.

5. What Personal Information Do We Collect?

Personal information refers to data that identifies or could identify you. This may include your name, date of birth, address, contact details, bank account details, and occupation.

If you engage us to provide services, we may also collect information about your financial situation and goals to recommend mortgage and insurance products ("Products") that we are authorised to advise on.

6. Why Do We Collect Your Personal Information?

We collect your personal information for purposes related to our services and our relationship with you. This includes:

  • Responding to your enquiries;
  • Providing our services, including recommending suitable Products;
  • Sending communications and direct marketing about services and products we believe may interest you (via mail, phone, email, or SMS);
  • Conducting market research; and
  • Any other purpose authorised by you or permitted by the Privacy Act.

If you prefer not to receive marketing communications, you may opt out at any time by contacting us.

We may also collect credit and health information on behalf of lenders, insurers, and other Product Providers. Each Product Provider has its own privacy policy which applies to information we collect on their behalf.

7. How Do We Collect Your Personal Information?

We usually collect your personal information directly from you—via our website, forms, emails, and phone conversations. We may also collect personal information from:

  • NZ Financial Services Group Limited (NZFSG) and related entities;
  • Credit reporting agencies;
  • With your permission, banks (e.g., through illion Bank Statements) and employers;
  • Product Providers, including during the term of any loan or insurance product arranged by us;
  • Any other person authorised by you or the Privacy Act.

If you provide us with someone else's personal information, you confirm that:

  • They have authorised the disclosure and the use of their personal information in accordance with this policy; and
  • They have been informed of their right to access and request correction of their information.

8. Updating Your Personal Information

We rely on you to ensure that the information we hold about you is accurate and up to date. Please notify us as soon as possible if your details change.

9. Who Do We Disclose Your Personal Information To?

We may share your personal information with the following parties, where necessary, for the purposes outlined in Section 6:

  • NZFSG and its related entities;
  • Product Providers, prospective lenders, mortgage insurers, guarantors, trustees, and assignees;
  • Our referral partners;
  • Service providers and contractors;
  • Investors or entities with an interest in our business, or to whom we may transfer rights or obligations;
  • Government agencies or regulators, where legally required;
  • Auditors (e.g., NZFSG) to ensure regulatory compliance;
  • Employers, referees, credit reporting, and identity verification agencies;
  • Any other person authorised by you or by law.

Credit reporting agencies may hold and use your credit information to offer their services and may disclose this information to their customers.

Before disclosing your personal information, we will take reasonable steps to ensure the recipient has similar privacy protections in place.

10. Do We Disclose Your Personal Information Outside New Zealand?

Yes, we may use cloud-based services and IT infrastructure located overseas to store your personal information. We may also share data with NZFSG and other third-party providers based overseas, as needed.

11. Our Website

Cookies and IP Addresses

We may use cookies to improve your experience on our website. Cookies allow us to recognise your device and understand your use of our website, such as pages visited, time spent, and your browser and device type.

While cookies do not collect personal information, if you submit your name or email address, we may link it to cookie data. You can disable cookies via your browser settings.

Security

We cannot guarantee the security of information transmitted over the internet. You transmit information to us at your own risk.

Links to Third Parties

Our website may contain links or advertisements from third parties. We are not responsible for the privacy practices or content of third-party websites or advertising networks.

12. Are You Required to Provide Personal Information?

No, but if you choose not to, we may not be able to provide our services or assist with obtaining finance or insurance.

Where lawful and practical, you may interact with us anonymously (e.g., general enquiries), but we may be limited in how we can assist you.

13. Access and Correction

You may request access to or correction of your personal information at any time by contacting us. We may charge a reasonable fee to cover the cost of retrieving and providing this information.

14. Further Information

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

Last Updated: March 2021