Privacy Policy

1. Overview and Agency Details

Finance and Beyond Limited ("we", "us", "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy sets out how we collect, store, use, and disclose personal information in accordance with the New Zealand Privacy Act 2020 and the 13 Information Privacy Principles (IPPs).

The agency holding your personal information is:

2. What Information We Collect

To evaluate loan requirements and present applications to our panel of lenders, we collect personal and financial information, including:

• Identity & Contact: Full legal name, date of birth, driver licence, passport details, current and former addresses, email address, and contact telephone numbers.
• Financial Position: Income statements, IRD tax summaries, bank statements, asset/liability summaries, living expenses, existing loan details, and credit history.
• Employment Data: Employer details, salary payslips, contract terms, or self-employed GST returns and financial accounts.
• Property Details: Purchase contracts, property valuations, lease agreements, and title information.

3. Purpose and Consequences of Collection

We collect personal information primarily to:

• Assess borrowing capacity, structure mortgage facilities, and submit applications to accredited New Zealand lenders.
• Verify identity under New Zealand Anti-Money Laundering and Countering Financing of Terrorism (AML/CFT) laws.
• Liaise with solicitors, valuer professionals, credit reporting agencies, and lenders throughout settlement.

Consequences of non-provision: Providing your information is voluntary; however, if you choose not to provide required information, we will be unable to provide financial advice or process your mortgage application.

4. Overseas Information Handling (IPP 12 Disclosure)

5. Disclosure to Third Parties

We may share relevant personal information with third parties necessary to complete your transaction, including:

• Accredited New Zealand banks and non-bank lenders evaluated for your application.
• Approved Credit Reporting Agencies in New Zealand (Centrix, Equifax NZ, Illion NZ) to perform credit checks with your authorization.
• Your nominated solicitor, conveyancer, accountant, insurance advisor, or real estate agent.
• Regulatory bodies and law enforcement agencies where required by New Zealand law.

6. Security and Data Retention

We maintain appropriate physical, electronic, and managerial safeguards to protect personal information against loss, unauthorized access, modification, or disclosure. Documents are retained for statutory periods required by New Zealand financial record-keeping laws (minimum 7 years) before secure destruction.

7. Your Rights of Access and Correction

Under the Privacy Act 2020, you have the right to request access to any personal information we hold about you and to request correction if you believe the information is inaccurate or out of date.

To exercise your privacy rights, please contact our Privacy Officer:

8. Privacy Complaints and Office of the Privacy Commissioner

If you believe your privacy has been compromised or have concerns about how your information was handled, please email us first. If you remain dissatisfied, you can lodge a formal privacy complaint directly with: