Privacy Policy

Effective Date: 1 July 2026

Lending Experts NZ Limited (“Lending Experts”, “we”, “our”, or “us”) is committed to protecting your privacy and handling your personal information responsibly. We comply with the Privacy Act 2020 and other applicable New Zealand laws governing the collection, use, disclosure and storage of personal information.

This Privacy Policy explains how we collect, use, store and protect your information when you visit our website or use our financial advice services.

Who We Are

Lending Experts NZ Limited is a New Zealand licensed Financial Advice Provider.

Financial Advice Provider Number: FSP735791

We provide advice and assistance relating to:

• Residential home loans
• First home buyers
• Investment property finance
• Construction loans
• Refinancing
• Debt restructuring
• Business lending
• Personal lending
• Loan reviews
• Insurance referrals
• KiwiSaver referrals

Website:

https://lendingexperts.co.nz

What Information We Collect

Depending on the services you request, we may collect:

Personal Information

• Full name
• Date of birth
• Residential address
• Postal address
• Email address
• Mobile and telephone numbers
• Driver licence
• Passport
• Proof of identity
• Citizenship or residency status

Financial Information

• Employment details
• Income
• Bank statements
• Existing loans
• Assets
• Liabilities
• Credit history
• KiwiSaver information
• Property ownership
• Trust information
• Company information where applicable

Property Information

Where required, we may collect:

• Property addresses
• Sale and Purchase Agreements
• Valuations
• Rental income
• Building reports
• LIM reports
• Insurance information

Website Information

When you visit our website we may automatically collect:

• IP address
• Browser type
• Device information
• Operating system
• Pages viewed
• Date and time of visit
• Website usage statistics
• Referring website
• Cookie information

How We Collect Information

We collect information directly from you when you:

• Complete an enquiry form
• Request financial advice
• Apply for a loan
• Contact us by phone
• Send us an email
• Meet with one of our advisers
• Upload documents securely
• Subscribe to our newsletter

With your authority, we may also collect information from:

• Banks
• Non-bank lenders
• Credit reporting agencies
• Solicitors
• Accountants
• Valuers
• Insurance providers
• Government agencies
• Identity verification providers
• Your employer
• Real estate professionals

Why We Collect Your Information

We collect personal information to:

• Provide financial advice
• Recommend suitable lending solutions
• Compare lenders
• Submit loan applications
• Obtain loan approvals
• Verify your identity
• Meet AML/CFT obligations
• Meet legal and regulatory obligations
• Manage our relationship with you
• Respond to enquiries
• Improve our services
• Conduct loan reviews
• Provide ongoing customer support
• Send relevant updates where you have agreed to receive them

AML/CFT Identity Verification

New Zealand law requires us to verify the identity of our clients.

To comply with the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 (AML/CFT), we may request:

• Passport
• Driver licence
• Proof of address
• Source of funds
• Source of wealth
• Trust documents
• Company records

Failure to provide this information may prevent us from providing our services.

Credit Checks

Where you authorise us, we may obtain your credit information from recognised credit reporting agencies.

This enables us to:

• Assess lending suitability
• Prepare loan applications
• Meet lender requirements

Credit information may also be provided to lenders considering your application.

Who We Share Information With

We only share your information where necessary.

This may include:

• Banks
• Mortgage lenders
• Non-bank lenders
• Insurance providers
• Solicitors
• Accountants
• Valuers
• Compliance consultants
• Credit reporting agencies
• Identity verification providers
• Government departments
• Inland Revenue
• Financial Markets Authority
• Department of Internal Affairs
• Courts where required by law
• Our professional advisers

We do not sell your personal information.

Cookies

Our website uses cookies to:

• Improve website functionality
• Remember user preferences
• Analyse website traffic
• Improve customer experience
• Maintain website security

You can disable cookies through your browser settings. Some website features may not function correctly if cookies are disabled.

Google Analytics

Our website may use Google Analytics and similar services to understand how visitors use our website.

Information collected may include:

• Pages visited
• Time spent on pages
• Browser type
• Device type
• Geographic region
• Traffic source

This information is generally aggregated and does not directly identify you.

Contact Forms

When you submit an enquiry through our website we may collect:

• Name
• Email
• Phone number
• Loan requirements
• Property information
• Any other information you voluntarily provide

This information is used solely to respond to your enquiry and provide financial advice.

Marketing Communications

If you choose to subscribe, we may send:

• Interest rate updates
• Market news
• Loan review reminders
• Industry information
• Promotions
• Educational content

You may unsubscribe at any time using the unsubscribe link in our emails.

Embedded Content

Our website may include embedded content from third-party providers, including:

• Google Maps
• YouTube
• Facebook
• Instagram
• LinkedIn

Embedded content behaves in the same way as if you visited the third-party website directly. These providers may collect information according to their own privacy policies.

Third-Party Websites

Our website may contain links to external websites.

We are not responsible for the privacy practices or content of those websites. We encourage you to review their privacy policies before providing personal information.

Data Security

We use reasonable administrative, technical and physical safeguards to protect your personal information from:

• Unauthorised access
• Unauthorised disclosure
• Loss
• Misuse
• Alteration
• Destruction

While we take reasonable precautions, no electronic transmission or storage system can be guaranteed to be completely secure.

Storage of Information

Your information may be stored:

• Electronically
• Secure cloud-based systems
• Secure document management systems
• Physical files held in secure premises

Some cloud service providers may store information outside New Zealand. Where this occurs, we take reasonable steps to ensure your information receives comparable protection.

How Long We Keep Information

We retain personal information only for as long as necessary to:

• Provide financial advice
• Meet legal obligations
• Resolve disputes
• Meet regulatory requirements

Client records are generally retained for at least seven (7) years after the end of our relationship, or longer where required by law.

When information is no longer required, it is securely destroyed or permanently deleted.

Your Rights

Under the Privacy Act 2020, you have the right to:

• Request access to your personal information.
• Request correction of inaccurate or incomplete information.
• Ask how we have used or disclosed your personal information.
• Withdraw consent where processing is based on your consent (subject to legal or contractual requirements).

To protect your privacy, we may ask you to verify your identity before providing access to your information.

Privacy Breaches

If a privacy breach occurs that is likely to cause serious harm, we will:

• Contain the breach.
• Investigate what happened.
• Notify affected individuals where required.
• Notify the Office of the Privacy Commissioner where legally required.
• Review our systems and procedures to reduce the risk of future breaches.

Children’s Privacy

Our financial services are intended for adults.

We do not knowingly collect personal information from children under the age of 16 without appropriate parental or guardian consent.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in legislation, regulatory requirements or our business practices.

The latest version will always be published on our website. Your continued use of our website and services constitutes acceptance of the updated Privacy Policy.

Contact Us

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

Lending Experts NZ Limited
Financial Advice Provider (FSP735791)

Email: info@lendingexperts.co.nz

Website: https://lendingexperts.co.nz

Phone: [Insert Phone Number]

Office Address: [Insert Office Address]

Complaints

If you have a concern about how we have handled your personal information, please contact us first so we can investigate and attempt to resolve the matter.

If you are not satisfied with our response, you may contact:

Office of the Privacy Commissioner
PO Box 10-094
Wellington 6143
New Zealand

Phone: 0800 803 909

Website: https://www.privacy.org.nz

Email: enquiries@privacy.org.nz