Privacy Policy

Privacy Policy: Mortgage and Insurance New Zealand Limited

Last Updated: April 2026

At Mortgage and Insurance New Zealand Limited, protecting your personal information is a top priority. We want you to know exactly how we handle your data, why we collect it, and what rights you have.

1. Who We Are

We are Mortgage and Insurance New Zealand Limited. Our commitment is to keep your personal information safe and secure, using it only as needed to provide you with our services.

2. What Information We Collect

We only collect information essential for providing our products and services, including:

• Contact Details: Your name, address, email, and phone number.
• Financial Information: Data needed for loan and insurance applications.
• Employment Information: Salary, contract details, and history.
• Sensitive Information: Only when necessary (e.g., medical history for insurance claims).

3. How and Where We Collect Your Information

We primarily collect information directly from you when you interact with us.

Indirect Collection (IPP 3A Notification): To fulfil our service obligations, verify your details, and assess your eligibility for financial products, we may also collect information about you indirectly from third parties. These sources include:

• Credit Reporting Agencies: To check your credit history and rating.
• Financial Institutions & Banks: To verify financial data and mortgage repayment history.
• Insurance Companies: To obtain claims history or underwriting information.
• Government Agencies: For identity verification (e.g., NZTA or DIA).
• Medical Professionals: For insurance underwriting or claims.
• Your Employer: To verify employment and income status.

Note: In accordance with Information Privacy Principle 3A, by engaging our services or signing our Letter of Authority, you acknowledge and notify us of your consent for this indirect collection from the sources listed above.

4. How We Use Your Information

We use your information to:

• Provide Our Services: Process applications, verify your identity (AML compliance), and confirm your financial position.
• Communicate: Answer queries and send product updates.
• Improve Services: Analyse data to better our processes.
• Legal & Security: Comply with NZ laws, prevent fraud, and secure your data.

5. Sharing Your Information

We only share your information when:

• You Consent: We ask for your permission first.
• Service Providers: Trusted partners (IT support, auditors) who help us run our business under strict confidentiality.
• Legal Reasons: When required by law or court order.
• Cross-Border: If data moves outside NZ, we ensure the recipient protects it as strictly as we do.

6. How We Keep Your Information Safe

• Security: We use strict access controls and security tools.
• Storage: We only keep data for as long as required to provide services or meet legal rules.
• Disposal: We safely destroy or de-identify data when it is no longer needed.

7. Your Rights

You have the right to:

• Access: Request to see the information we hold about you.
• Correction: Ask us to fix any mistakes or outdated details.
• Options: Request changes to how we share info or opt-out of marketing.
• Deletion: Request data deletion in specific situations (legal requirements permitting).

8. What Happens If There’s a Breach?

If a security incident occurs, we will investigate immediately, notify you promptly if there is a risk of serious harm, and report to the Office of the Privacy Commissioner as required by law.

9. Contact Us

To exercise your rights or ask questions, contact our Privacy Officer:

• Contact: Andre Paul Stokes
• Email: info@mainz-ltd.com
• Phone: 027 451 6485
• Response Time: We aim to respond within 30 days.

10. Changes to This Policy

We may update this policy to stay current with the law. Significant updates will be posted on our website.