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SMART Brokers Limited – Website Terms & Privacy Policy

Effective Date: 31 March 2026

SMART Brokers Limited trading as SMART (“SMART”, “we”, “us”, “our”) is committed to protecting your privacy, complying with New Zealand law, and providing accurate information and services via our website www.smartbrokers.co.nz and associated programmes, including the SMART Mortgage Rapid Repay Coaching Programme.

By accessing or using our website or services, you agree to these Terms & Privacy Policy. If you do not agree, you must discontinue use immediately.

We may update this document from time to time. Changes take effect when published on this website. Your continued use constitutes acceptance of the updated terms.

1. Use of Website

By viewing or using this website, you agree to:

  • Use it in accordance with applicable New Zealand law, including the Fair Trading Act 1986 and Consumer Guarantees Act 1993
  • Not attempt to harm, interfere with, or gain unauthorised access to the site or its systems

Your sole and exclusive remedy if you disagree with these terms is to stop using the website.

2. Disclaimer

  • All information is provided “as is” for general information only.
  • We do not guarantee accuracy, completeness, or currency.
  • Information on this site does not constitute personalised financial, legal, or other professional advice.
  • Users must take their own precautions to avoid viruses or malware.

SMART will not be liable for any loss, damage, or cost arising from:

  • Use of the website
  • Reliance on information contained on the site
  • Inability to access the site

Note: Nothing limits your non-excludable rights under New Zealand law.

3. Links to Other Websites

This website may link to third-party sites. Links are provided for convenience only. SMART:

  • Does not control or endorse external sites
  • Accepts no responsibility or liability for their content or accuracy
  • Use of linked websites is at your own risk

4. Intellectual Property

All website content, including text, logos, graphics, images, and software, is owned or licensed by SMART.

You may:

  • View, print, or download content for personal, non-commercial use
  • Retain copyright or proprietary notices

You may not:

  • Copy, distribute, or use content for commercial purposes without express written permission
  • Remove, modify, or obscure any intellectual property notices

All rights not expressly granted are reserved.

5. Privacy & Personal Information

SMART respects your privacy and complies with the Privacy Act 2020 (NZ).

5.1 Information Collected

We may collect:

  • Name, email, phone number, and financial information relevant to services
  • Browsing and device information, IP addresses, cookies
  • Any information you voluntarily submit

5.2 Use of Information

We may use your information to:

  • Respond to enquiries and provide services
  • Administer our programmes
  • Send updates, marketing communications, or news (where permitted)
  • Improve our website, products, and services
  • Conduct research and analysis
  • Comply with legal obligations

You may opt out of marketing communications at any time via info@smartbrokers.co.nz or unsubscribe links.

5.3 Storage & Security

  • Personal information is stored securely and accessed only by authorised staff or contractors
  • We may use cloud storage and IT servers located overseas
  • We take reasonable steps to ensure overseas recipients protect information to standards comparable with NZ law

5.4 Disclosure

We may disclose personal information:

  • With your consent
  • Where necessary to deliver our services
  • To regulators, auditors, or as required by law
  • To service providers, partners, or affiliates (including overseas recipients)

We will not sell or rent your personal information.

5.5 Access & Correction

You have the right to request access to or correction of personal information we hold about you. Contact info@smartbrokers.co.nz. We may charge a reasonable fee for access.

6. SMS, Email & Marketing Communications

We may contact you via SMS, email, or phone (including automated systems or AI tools) for:

  • Service-related updates
  • Marketing, promotions, and programme information

All electronic communications comply with the Unsolicited Electronic Messages Act 2007. You may unsubscribe at any time.

7. Security & Viruses

While we take reasonable precautions to protect data and systems, transmissions over the internet cannot be guaranteed secure. Information you transmit is at your own risk.

8. Governing Law & Jurisdiction

These terms are governed by the laws of New Zealand. Any disputes arising from use of the website or services are subject to the exclusive jurisdiction of the New Zealand courts.

9. Changes to These Terms

SMART may update these terms without prior notice. The latest version is always available on the website. Continued use of the website indicates acceptance of the updated terms.

Contact Us

For queries about these terms, privacy, or your personal information:

SMART Brokers Limited
Email: info@smartbrokers.co.nz

Last updated: [Insert Date]