Privacy Policy

Introduction

Reliable Financial Group Limited (we, us, our) complies with the New Zealand Privacy Act 2020 when handling personal information. Personal information is any information about an identifiable individual. This policy explains how we collect, use, disclose, and protect your personal information.

This policy does not limit your rights under the Privacy Act 2020. For further information, you may contact our Privacy Officer at ankur@reliablemortgages.co.nz or visitwww.privacy.org.nz.

Changes to This Policy

We may update this policy by uploading a revised version to our website. All updates take effect from the date the revised policy is published.

What Is Personal Information

Personal information includes, but is not limited to:

• Name and contact details
• Address
• Date of birth
• Occupation
• Payment information
• Employment history
• Education and qualifications
• Financial information
• Testimonials and feedback
• Evidence of source of funds or source of wealth
• Any other information relating to an identifiable individual

How We Use Your Personal Information

We may use your personal information:

• To verify your identity
• To provide you with financial services and products
• To market our services and products to you by phone, text, or email
• To improve our services
• To respond to your communications, including complaints
• To protect or enforce our legal rights and interests
• For any purpose authorised by you or the Privacy Act

Disclosing Your Personal Information

We may disclose your personal information to:

• Service providers who assist us in delivering services (including hosting and data storage providers, mailing services, consultants, and legal advisers)
• Product providers including lenders, insurers, and KiwiSaver providers
• Financial advisers or financial advice providers who use our services
• Organisations performing checks such as compliance reviews or audits
• Agencies that verify identity information such as the Department of Internal Affairs and NZ Transport Agency
• Social media platforms where we operate
• Courts, tribunals, government agencies, and regulatory authorities including the Financial Markets Authority and the Ministry of Justice
• The Office of the Ombudsman
• Any agency assisting with a serious privacy breach
• The Office of the New Zealand Privacy Commissioner
• The Human Rights Commission
• CERT NZ when required for managing privacy breaches
• Overseas privacy regulators when applicable
• Any person or agency you authorise us to disclose information to

We will not disclose your information without your consent unless required by law.

Protecting Your Personal Information

We take reasonable steps to keep your personal information safe from loss, unauthorised access, or misuse. All data handled in our systems is encrypted in transit and at rest. Access is provided only through secure network connections.

Storing Your Personal Information

• Personal information is retained only as long as necessary to meet lawful purposes.
• Data is stored within Trail CRM.
• No physical data is stored outside our main office.

Accessing and Correcting Your Personal Information

You have the right to request access to personal information we hold about you and to request corrections. Proof of identity may be required.

If a correction is reasonable and can be made, we will update the information. If not, we will record that you requested a correction.

To request access or amendments, email info@reliablemortgages.co.nz with proof of identity and details of the information or correction requested.

Data Breaches

Our Privacy Officer, Ankur Bajaj (ankur@reliablemortgages.co.nz), oversees data breach procedures. In the event of a breach, we will promptly identify, assess, and manage the incident in line with legal requirements.

Internet Use

We take reasonable steps to maintain secure internet connections. However, providing personal information over the internet is at your own risk.

If you follow a link on our website to another site, that site will have its own privacy policy. We recommend reviewing it before providing personal information.

We use cookies to monitor website usage. Cookies may be disabled in your browser, although this may affect website functionality.

We may use information about your use of our website or IT systems to prevent unauthorised access or attacks. Third party service providers may assist with this and may have access to monitoring and logging information when required.