Operator: Loanie (loanie.co.nz)
Legal Entity: Plaxo Mortgages Limited (FSP 769518)
1. Purpose
We know that how we collect, use, disclose and protect your information is important to you, and we value your trust. That’s why protecting your information and being clear about what we do with it is a vital part of our relationship with you.
The purpose of this Privacy Policy is to inform our clients and any users of our digital platforms (i.e. our website loanie.co.nz, wechat, social media pages) about how we comply with the requirements of the New Zealand Privacy Act 2020 (“the Privacy Act”) in managing personal information.
2. Consent to Privacy Policy
Please note that when you contact us through our website, wechat, or social media pages, you are agreeing to this Privacy Policy. If you do not agree with this Privacy Policy, please do not contact us through any of our digital platforms, but call us on 09 916 0116.
3. Collection of Personal Information
Personal Information is defined in the Privacy Act as information about an identifiable individual (a natural person as opposed to a company or other legal entity).
Types of personal information we collect
The types of personal information we collect will vary depending on the nature of your dealings with us. We only collect personal information that is necessary. Where reasonable and practicable, we will collect your personal information directly from you and inform you that we are collecting it.
We mainly collect personal information directly from you, for example:
- Over the telephone or a video call (such as over Microsoft Teams, Zoom or Skype);
- Through one of our digital platforms like our website (loanie.co.nz), wechat, or social media pages;
- When you email or write to us; or
- When you participate in a marketing campaign, competition or promotion administered by us or our representatives.
Generally, the types of personal information we collect and hold include your:
- Name, Date of Birth, and Contact details (email, postal address, phone number);
- Details relating to your use of any product and/or service offered by us;
- Details of your enquiry and any preferences you tell us about.
Online device information and cookies
When you visit us through our digital platforms, we collect information about your use and experience by using cookies. These are small pieces of information stored on your hard drive or mobile browser to provide a more meaningful experience.
The information collected through cookies may include:
- The date and time of visits and pages viewed;
- The website or app from which you accessed our platform;
- How you navigate through the website and interact with pages (including fields completed in forms);
- Information about your location and the device used to visit our platform;
- IP address(es) and the type of web browser used.
4. Purpose of Collection and Use
Any personal information you provide to us may be used to:
- Check whether you are eligible for the product or services offered by us;
- Facilitate those services and provide information that you request;
- Provide you with further information about our other products and services.
Marketing Opt-out: If you do not wish to receive marketing information, you may ‘opt out’ at any time by notifying us.
5. Storage and Protection
We take all reasonable steps to keep your electronically recorded information secure and prevent unauthorised disclosure.
Security Measures
- Access is controlled through identity and access management;
- Employees are bound by internal information security policies and completion of privacy training;
- We use cloud-based service providers subject to appropriate security and confidentiality obligations.
Timeframes for Keeping Information
In the case of information that relates to our advice services, we are required by law to hold this information for seven years. After this time, provided the information is no longer relevant to any service, we will take reasonable steps to safely destroy or de-identify it.
Privacy Breaches
If we experience a privacy breach that is likely to cause you serious harm, we will:
- Seek to quickly identify and secure the breach;
- Assess the severity and risk of harm;
- Notify affected individuals and the Privacy Commissioner where appropriate.
6. Disclosure of Your Personal Information
We may disclose your personal information to others outside Plaxo Mortgages Limited where:
- It is necessary to achieve the purpose of collection (e.g., Lenders);
- We are required or authorised by law (e.g., FMA);
- You have expressly consented to the disclosure.
Third-Party Websites: Our platform may link to other websites. We are not responsible for their privacy practices and encourage you to read their own policies.
7. Right to Access, Correct and Delete
You have the right to request access to, correct and, in some circumstances, delete your personal information.
Contact for Requests:
- Address: Level one, 638 Great South Road, Ellerslie, Auckland, 1051
- Email: [email protected]
Note: We are only able to delete your personal information to the extent that it is not required to be held by us to satisfy legal or regulatory requirements (such as the 7-year rule).
8. What happens if you do not provide us your information?
If you do not provide information we have requested, you may be unable to obtain or access our services for which the information is required.
9. Changes to this Privacy Policy
We review this Privacy Policy periodically. If the changes are significant, we may advise you directly. You may also obtain a copy of the latest version by calling us on 09 916 0116.
Privacy Queries and Concerns
If you are concerned about how your personal information is being handled, please contact:
- Contact: York Zhang
- Address: Level one, 638 Great South Road, Ellerslie, Auckland, 1051
- Email: [email protected]
- Phone: 09 916 0116
We will acknowledge your complaint within three working days and aim to resolve it within five working days.
If you are not satisfied with our response, you may lodge a complaint with the Office of the Privacy Commissioner:
- Website: www.privacy.org.nz
- Phone: 0800 803 909