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Privacy Policy

Last updated: May 2026

  1. Introduction

Smart Brokers Limited trading as Smart (“we”, “us”, “our”) is committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 2020 (including the Privacy Amendment Act 2025).

This Privacy Policy explains how we collect, use, store, and disclose your personal information.

  1. What Personal Information We Collect

We may collect personal information including, but not limited to:

  • Full name, date of birth, and contact details
  • Financial information (income, expenses, assets, liabilities)
  • Employment details
  • Identification documents
  • Insurance and mortgage-related information
  • Credit history and credit reports
  • Any other information required to provide financial advice and services
  1. How We Collect Your Information

We may collect personal information:

(a) Directly from you

Including when you:

  • Complete forms on our website
  • Engage with us via phone, email, SMS, or social media
  • Use our services or coaching programmes

(b) Indirectly from third parties

Including:

  • Referral partners, advisers, or introducers
  • Lenders, insurers, and financial service providers
  • Credit reporting agencies
  • Publicly available sources
  • CRM systems and technology platforms
  1. Purpose of Collecting Your Information

We collect your personal information to:

  • Provide mortgage, insurance and kiwsaver advice
  • Arrange financial products and services
  • Assess your eligibility for lending, insurance or kiwisaver
  • Communicate with you
  • Manage our relationship with you
  • Comply with legal and regulatory obligations
  • Improve our services and systems
  1. Use of Your Information

We use your personal information only for the purposes outlined above, including information collected both directly and indirectly.

  1. Disclosure of Personal Information

We may disclose your personal information to:

  • Lenders and financial institutions
  • Insurance providers
  • KiwiSaver providers
  • Credit reporting agencies
  • Referral partners and introducers
  • Service providers (including CRM, messaging, and IT platforms)
  • Regulatory bodies where required by law

In some cases, we may receive your information from third parties and also share your information with third parties as part of providing our services. Where required, we will comply with our obligations under the Privacy Act, including Information Privacy Principle 3A (IPP3A).

6A. Indirect Collection of Personal Information (IPP3A Compliance)

We may collect personal information about you from third parties rather than directly from you.

Where we do so, we will take reasonable steps to ensure you are aware of:

  • The fact that we have collected your personal information
  • The purpose for which the information has been collected
  • The intended recipients of the information
  • Our name and contact details
  • The name of any organisation holding your information (if different from us)
  • Whether the collection is authorised or required by law (and the relevant law, if applicable)
  • Your right to request access to and correction of your personal information

We will provide this information either:

  • Before the information is collected; or
  • As soon as reasonably practicable after collection

unless an exception applies under the Privacy Act 2020, including where:

  • You have already been made aware of these matters
  • It is not reasonably practicable to notify you
  • Notification would prejudice the purpose of collection
  • Another legal exception applies

How we may notify you

We may notify you of indirect collection via:

  • Email
  • SMS
  • Phone call
  • Disclosure from a referral partner
  • During onboarding or initial engagement
  1. Storage and Security

We take reasonable steps to protect your personal information from:

  • Loss
  • Unauthorised access
  • Misuse or disclosure

Your information may be stored securely using third-party service providers, including cloud-based systems.

  1. Access and Correction

You have the right to:

  • Request access to your personal information
  • Request correction of your personal information

To do so, please contact us using the details below.

  1. Cookies and Website Analytics

Our website may use cookies and analytics tools to:

  • Improve user experience
  • Track website performance
  • Understand visitor behaviour

You can disable cookies through your browser settings.

  1. Retention of Information

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

  • Fulfil the purposes for which it was collected
  • Comply with legal and regulatory obligations
  1. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will take effect once published on our website.

  1. Contact Us

If you have any questions or concerns about this Privacy Policy or your personal information, please contact:

Smart Brokers Limited t/a Smart
Email: info@smartbrokers.co.nz
Website: https://smartbrokers.co.nz