Privacy Policy
1. Introduction
West Mortgages Ltd (“we”, “us”, “our”) is a mortgage broking and financial advice business based in New Zealand. We are committed to protecting your privacy and complying with the Privacy Act 2020, the Credit Reporting Privacy Code 2020, and other applicable privacy laws.
This Privacy Policy explains:
• What personal information we collect
• How and why we collect and use it
• Who we share it with
• How we protect it
• How you can access or correct your information
2. What personal information we collect
When providing mortgage broking and financial advice services, we may collect the following types of personal information:
Identity and contact information
• Full name
• Date of birth
• Address
• Phone number
• Email address
• Identification documents (e.g. passport, driver licence)
Financial and credit information
• Income and employment details
• Bank statements and transaction data
• Assets and liabilities
• Credit history and credit reports
• Existing loans and financial commitments
Property-related information
• Property addresses
• Sale and Purchase Agreements
• Valuation reports
• Insurance details
Advice-related information
• Financial goals and objectives
• Risk tolerance and preferences
• Notes, communications, and advice records
Providing this information is generally necessary for us to give you suitable mortgage advice. If you choose not to provide required information, we may not be able to provide our services.
3. How we collect your information
We collect personal information in the following ways:
• Directly from you (in meetings, phone calls, emails, online forms)
• From documents you provide (bank statements, payslips, contracts)
• From third parties with your authority, such as:
– Lenders and financial institutions
– Credit reporting agencies
– Employers or accountants
– Solicitors and conveyancers
– Valuation providers
4. Why we collect and use your information
We collect and use personal information to:
• Provide mortgage broking and financial advice services
• Assess loan suitability and affordability
• Submit loan applications to lenders
• Communicate with lenders, lawyers, and other parties involved in your transaction
• Comply with legal and regulatory obligations (including FMA requirements)
• Manage complaints and disputes
• Maintain business records and improve our services
5. Disclosure of your information
We may disclose your personal information to:
• Banks and non-bank lenders
• Mortgage aggregators and platform providers
• Solicitors and conveyancers
• Insurers and valuation providers
• Credit reporting agencies
• Regulatory bodies where required by law (e.g. FMA, courts)
• Service providers who support our business systems (e.g. CRM, document storage)
We only disclose information where it is necessary for providing our services or required by law.
6. Credit information
We may collect, use, and disclose credit information in accordance with the Credit Reporting Privacy Code 2020.
This may include:
• Obtaining credit reports to assess lending options
• Sharing information with lenders for loan assessment
• Providing information to credit reporting agencies were permitted
7. Storage and security of information
We take reasonable steps to protect your personal information from loss, misuse, unauthorised access, or disclosure.
These steps include:
• Secure electronic systems and password protection
• Restricted access to personal information
• Secure cloud-based storage providers
• Staff training on privacy and confidentiality
We retain personal information only for as long as necessary to meet legal, regulatory, and business requirements.
8. Overseas disclosure
Some of our service providers (such as cloud-based software or support services) may store data overseas. Where this occurs, we take reasonable steps to ensure overseas recipients protect your information in a manner consistent with New Zealand privacy laws.
9. Accessing and correcting your information
You have the right to:
• Request access to your personal information
• Request correction of any inaccurate or incomplete information
To do so, please contact us using the details below. We may require verification of your identity before processing your request.
10. Complaints about privacy
If you believe we have breached your privacy obligations, please contact us first so we can try to resolve the issue.
If you are not satisfied with our response, you may complain to the Office of the Privacy Commissioner.
11. Changes to this policy
We may update this Privacy Policy from time to time. The most current version will be available on our website or provided upon request.
12. Contact details
Privacy contact: Peter West, Privacy Officer
Business: West Mortgages Ltd
Email: Peter@westmortgages.co.nz
Phone: 022 580 0654
Address: Level 4/1 Kenwyn Street, Parnell, Auckland 1052