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DEFINITIONS

In these terms and statement: “NZHL” is The New Zealand Home Loan Company
Limited  and also referred to with the words “we”, “us” and “our”; “Statement”
means the privacy statement set out below; “Terms” means the website terms set
out below; and “Website” means our website and any of our online tools, webchat
or other online applications.


CHANGES

Technology is evolving and that may affect how we deal with your information and
provide products and services to you. We may need to change these terms and
statement from time to time so please review it on our website regularly.




SCOPE OF THESE TERMS AND POLICY

These terms and statement explain legal aspects of this website and how NZHL
handles the information we collect from you through our website(s) and all other
sources. You agree that your use of this website indicates your acceptance of
these terms and statement and that you authorise us to collect, use and share
your information as outlined in this statement. When you deal with NZHL outside
of this website we may also seek your agreement to this statement, and/or ask
you to agree to privacy provisions that apply to those particular dealings. We
will do that in accordance with the Privacy Act 2020. These terms and statement
may continue to apply to you and your information even after your account is
closed, or your relationship with us has come to an end. This statement also
applies to any information collected during your use of our website(s), even if
you do not take out a home loan or insurance with us.



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PRIVACY STATEMENT

NZHL recognises the importance of protecting your privacy. We comply with our
obligations under the Privacy Act 2020 when we handle your personal information.

Information we collect

We collect information about you for the purposes listed below, when you use our
website, apply for a home loan or insurance product or service, and during our
relationship with you. This information may be collected directly from you, or
from others (including third party systems). We can also make enquiries with
others to verify the information you provide to us.

Our purposes for collection and use

You agree that we can collect and use your information for the following
purposes:

 * Obtaining and verifying your identity and address
 * Checking that you meet our credit criteria and other eligibility requirements
 * Opening and operating your accounts
 * Providing you with our accounts, products and services, and managing your
   relationship with us
 * Evaluating and improving our customer service
 * Protecting and enforcing our rights as part of our relationship with you
 * Complying with applicable laws or legal rules
 * Market research, data processing and statistical analysis activities
 * Letting you know about offers, accounts, products and services that might be
   of interest to you (including from our loan and insurance suppliers).

However, if you ask us not to provide you this information we will comply with
your request. From time to time we may need to use your information for another
purpose associated with a particular product or service. If so we will take
reasonable steps to make you aware of that in accordance with the Privacy Act
2020. You authorise us to collect information about you from any person who can
provide us with information that relates to a purpose listed above and is
necessary for that purpose. This may include any credit reporting agency. We and
our loan and insurance suppliers may make enquiries about any information that
you provide to us in order to check the accuracy of the information. This may
include providing the information to agencies engaged by us to verify customer
identities or address information.

Disclosure of personal information

You agree that we can share your information with:

 * Anyone who needs it to assist us with the purposes listed above (including
   third parties in New Zealand and overseas) that provide services to or for
   us. These third parties may be subject to overseas law or legal rules which
   require them to disclose your information
 * Credit reporting and debt collection agencies
 * Agencies engaged by us to verify customer identity or address information
 * Organisations conducting market research, data processing and statistical
   analysis for us
 * Guarantors of your obligations to us
 * Our/your insurers in relation to money you owe us, or property you give us
   security over
 * Our assignees or potential assignees
 * Your previous or current employer(s), to confirm your employment history or
   income
 * Law enforcement authorities, the courts, government agencies, regulatory
   authorities or third parties, both in New Zealand and overseas, where we
   believe the disclosure will assist us to comply with any law or legal rules
   or will assist in the investigation, detection and/or prevention of fraud,
   money laundering or other criminal offences
 * Anyone that we need to contact to carry out your instructions to us
   (including the recipient of any payment).

We may also disclose information about you to anyone you authorise us to
disclose that information to. We may also disclose information about you to
others where required by law or legal rules.

You can choose not to provide information to us

If you do not provide information we have requested, you may be unable to obtain
or access the accounts, products or services for which the information is
required. Please ask us if you are unsure what information is important and how
this might affect you.

Storage of information

We can store your information physically or electronically ourselves, or with
others contracted to hold the information for us in New Zealand and overseas. We
will act reasonably to ensure that your information is protected from
unauthorised use or disclosure.

Your rights of access to and correction of information
We will do everything reasonable to ensure that the information we hold about
you is accurate, although this does depend on you telling us about any changes
that mean the information we hold about you is no longer correct. You may ask us
for access to the information we hold about you and, if necessary, request
corrections to it. Under the Privacy Act we may charge you for this. If you
would like access to the information, we hold about you, please contact us.

Collection of analytics information through our website

To improve our website(s) and our advertising, we may use patterns and other
meaningful information gathered from web analytics tools. This may include
traffic to, from and within our website(s), your mouse click activity, your IP
address, and other information that you voluntarily enter into the website(s).
In addition, our website(s) may use third party cookies from Google Analytics
for Display Advertisers. This includes features which give us insight into
behavioural information relating to visitor age, gender and interests on an
anonymous and aggregate level, and who has viewed our advertising on other
websites. This helps us to understand browsing behaviour to give a better
experience whilst visiting our website(s), and to optimise our advertising,
including on and outside our website(s). You can access Google’s Privacy
Statement here.

Cookies

We may use cookies when you are on our website(s). Cookies are small pieces of
information which can be stored on your hard drive or memory. They allow us to
track and target the interests of our website users. The cookies we send to your
PC cannot read your hard drive or command your computer to perform any action.
Any information we collect and share with third parties through cookies is
aggregated and therefore anonymous (it does not include personal information
which is likely to identify you). The information may be used for security to
help us identify you, to provide you with personalised features and for tracking
traffic on our website(s) to serve you ads for our products and services when
you visit our website(s) and third party websites. You can prevent new cookies
from being installed and delete existing cookies. The procedure depends on which
browser you are using. For information on how to remove cookies check your
internet browser. You may be unable to log on to our secure services without
accepting our cookies.

Security

NZHL takes reasonable steps to preserve the security of cookie and personal
information in accordance with this Privacy Statement. NZHL regularly reviews
developments in security and encryption technologies. Unfortunately, no data
transmission over the Internet can be guaranteed as totally secure. Accordingly,
although NZHL strives to protect such information, NZHL cannot ensure or warrant
the security of any information you transmit to us or from our online products
or services and you do so at your own risk. Once we receive your transmission,
we take reasonable steps to preserve the security of the information in our own
systems.

Website Terms New Zealand and General Information Only

The information contained on this website has been prepared under New Zealand
law for the supply of these products and services in New Zealand only. Unless
otherwise stated, references to any currency are in New Zealand dollars. The
information is designed to provide general information for New Zealanders only
and does not take into account any individual particular circumstances. It is
not intended to provide comprehensive or specific investment advice. You should
not rely on the information contained in this website solely when making
investment decisions and you should obtain professional advice on your
individual requirements before making an investment decision. We have made
reasonable efforts to ensure that the material presented on this website is
accurate and up-to-date, but we do not accept any responsibility for any error
omissions, inaccuracies, or for any loss or damage resulting from reliance on,
or the use of the information it contains. We may amend or add to this website
at any time without notice.

Links

This website may contain links to other websites operated by third parties which
are not under the control of NZHL. NZHL is not responsible for, and makes no
representations, warranties or conditions concerning, the contents of any linked
site or any link contained in a linked site. NZHL provides links to you only as
a convenience, and the inclusion of any link does not imply endorsement,
investigation or verification by NZHL of the linked site. In accordance with
Internet protocol, we require that you request the permission of NZHL to link to
this site. If you would like to link to this site please contact us.

Email address

If you provide us with your email address, we may contact you using electronic
communications (e.g. email or via the secure log-in areas) in relation to the
enquiry or application you have made. We may also provide you with information
about additional products or services offered by that we think you may be
interested in. You may elect to not receive electronic communications at any
time.

Intellectual property

NZHL holds copyright and other intellectual property rights in this website. The
information, images, screens, web pages, logos and brands on this website may
not be displayed or distributed in public in any form (including digital copies)
without the express written permission of NZHL. You may not use or permit use of
any part of this site for any purpose other than that intended (which is the
provision to you of product and service information, and information about NZHL
and its loan and insurance suppliers organisations).

Governing Law

The statement and terms and conditions applicable to this website are governed
and construed in accordance with New Zealand law.

Making a Privacy Complaint

If you have a concern or complaint about privacy, in first instance talk to your
consultant or NZHL support office and we’ll try to fix it. If you’re not
satisfied with how we handle your complaint, you can

Make a complaint

If you are concerned about your privacy, you can make a complaint by contacting
us through the ‘contact us’ page. We’ll work on your complaint as per our
complaint process.

If you are not satisfied

If you’re not satisfied with how we manage your complaint, you can also contact
the Office of the Privacy Commissioner:

PO Box 10 094
The Terrace
Wellington 6143
0800 803 909
enquiries@privacy.org.nz

Subscribe to NZHL updates

Freephone 0800 332 837

Email info@nzhl.co.nz


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Our Privacy Statement

Disclaimer: The information contained on this website is general in nature and
is not intended as advice. It may not be relevant to individual circumstances
and before making any investment, insurance or financial planning decision, you
should consult a professional adviser. Copies of our disclosure statements are
available on request, free of charge.

Our Privacy Statement

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