This privacy policy has been compiled to better serve those who are concerned with how their ‘Personally Identifiable Information’ is being used online. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website.
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.
It is important to us that you are confident that any personal information we hold about you will be treated in a way which ensures protection of your personal information.
Our commitment in respect of personal information is to abide by 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.
Who we are
Our registered business name is Quantum Financial Advisers Ltd, trading as Quantum Financial Advisers
Our website address is: https://quantumfinancial.kiwi/
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
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 also our business needs so 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.
What personal data we collect and why we collect it
We collect information from you when you complete any of the following: place an order, subscribe to a newsletter or blog, create an account, fill out an enquiry form, use live chat or enter information anywhere else on our site.
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 to you, we may collect personal information about your financial situation or goals in order to recommend mortgage and insurance products that we are permitted to advise on (Products).
We may use the information we collect from you in the following ways:
- To process your transactions
- To ask for ratings and reviews of services or products
- To follow up after correspondence (live chat, email or phone enquiries)
We collect your personal information for the purposes of our and relevant third parties’ services and relationship with you (refer to the section below: “Who do we disclose your personal information to?”). For example:
- responding to your requests or inquiries;
- providing services to you (e.g. to enable us to recommend Products to you);
- sending communications and direct marketing to you about products and services we thinkmay be of interest to you (whether through mail, telephone or electronic means (includingemail and SMS/MMS);
- market research; and
- 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 (including credit information and health information) on behalf of the lenders, insurers and other providers of Products that you choose to apply for (Product Providers). Product Providers will have their own Privacy Policy that applies to the information that we collect on their behalf.
Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to this website, and are required to keep the information confidential. In addition, all information you supply is encrypted via Secure Socket Layer (SSL) technology.
We implement a variety of security measures when a user places an order enters, submits, or accesses their information to maintain the safety of your personal information.
How do we collect your personal information?
Generally we will collect your personal information directly from you. For example, we collect your personal information directly from your use of our website and the information that you submit to the website. We also collect your personal information if you use the “contact us” functionality on our website and you provide the personal information during conversations between you and us.
We may also collect your personal information from:
- NZ Financial Services Group Limited (NZFSG) and its related bodies corporate;
- credit reporting agencies;
- with your authorisation, 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 have arranged on your behalf, in order to answer your queries or assist you with your financial arrangements as your circumstances change). If applicable, the Product Providers may also periodically disclose your loan balance or premium to us in connection with the payment of ongoing commission to us over the term of your loan or insurance; and
- any other person authorised by you or the Privacy Act.
If you provide any personal information about anyone else to us, you confirm that you have collected that personal information in accordance with the Privacy Act and that the individual concerned has:
- authorised the disclosure to us and the collection, use and disclosure of their personal information by us in accordance with this Privacy Policy; and
- has been informed of their right to access and request correction of their personal information.
Updating your 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.
Who do we disclose your personal information to?
We may disclose your personal information to the following people if we consider it necessary to do so for the purposes described in section 6 above:
- NZFSG and its related bodies corporate;
- Product Providers and other prospective lenders, third parties or other intermediaries in relation to your finance or insurance requirements (including a prospective lender’s mortgage insurer (if any), any person with whom a lender or insurer proposes to enter into contractual arrangements, any person who provides a guarantee or security and any trustee and any assignee or potential assignee of a lender’s or insurer’s rights);
- our referral partners who 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 authorised to share your information with, including regulators and government agencies;
- to auditors (such as NZFSG) to ensure we are providing services to you that are in your best interests, and in accordance with current regulations;
- your employer and referees, as well as credit reporting and identity verification agencies; and
- any other person or entity authorised 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.
Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that the person or organisation has a commitment to protecting your personal information at least equal to our commitment.
Do we disclose your personal information to anyone outside New Zealand?
We may use cloud storage to store the personal information we hold about you. The cloud storage and the IT servers may be located outside New Zealand.
We may also disclose personal information to NZFSG and its related bodies corporate, and third party suppliers and service providers located overseas for some of the purposes listed above.
Our Website
Cookies
These are small files that a website transfers to your computer’s hard drive through your web browser (if you allow it to) that enables the website’s systems to recognise your browser and capture and remember certain information. For instance, we use cookies to help us remember and process the items in your shopping cart. They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services.
We use cookies to understand and save user’s preferences for future visits.
You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since each browser is a little different, look at your browser’s help menu to learn the correct way to modify your cookies. If you turn cookies off, it won’t affect the user’s experience .
Security
As our website is linked to the internet, and the internet is inherently insecure, we cannot provide any assurance regarding the security of 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 which you transmit to us online is transmitted at your own risk.
Links and third party advertisements
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 in relation to the privacy practices of any third party website or advertisement providers and we 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 own 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 that you may visit to provide you targeted advertising based upon your interests.
Are you required to provide personal information to us?
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 in order to successfully do business with you. However, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with 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.
Google Analytics
This website uses a tracking code that follows the behaviour of all website users. Google Analytics does not identify individual users or associate your IP address with any other data held by Google. We use reports provided by Google Analytics to help us understand website traffic and webpage usage. Read Google’s privacy policy here.
How long we retain your data
We keep contact form entries, analytics records and customer purchase records permanently for as long as this website is live.
For users that register on this website (if any), we also store their personal information provided in the user profile. All users can see, edit, or delete their personal information at any time (except you cannot change the username). Website administrators can also see and edit that information.
What rights you have over your data
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes. If you would like to correct any of your personal information please contact us at info@quantum.kiwi
Your contact information
If at any time you would like to unsubscribe from receiving future emails, you can email us at info@quantum.kiwi and we will promptly remove you from all correspondence.
Contacting us
If there are any questions regarding this privacy policy, you may contact us using the information below.
Quantum Financial Advisers
PO Box 501, Kerikeri
0800 111 196
PRIVACY STATEMENT
We collect personal information from you, including information about your:
- Name
- Contact information
- Financial data
We collect your personal information in order to fulfil our and relevant third parties’ services and relationship with you
Besides our staff, we share this information with the 3rd parties outlined in our privacy policy above (when necessary) in order to take actions connected to providing you with our service.
Providing some information is optional. If you choose not to enter the information we have requested, we will be unable to provide financial advice services to you.
You have the right to ask for a copy of any personal information we hold about you, and to ask for it to be corrected if you think it is wrong. If you’d like to ask for a copy of your information, or to have it corrected, please contact us at info@quantum.kiwi , or 0800 111 196, or PO Box 501, Kerikeri 0245.
Last edited on 04-09-2023
