Privacy policy

The Good Broker Limited (we, us, our) complies with the New Zealand Privacy Act 2020 (the Act) when dealing with personal information. Personal information is information about an identifiable individual (a natural person). This policy sets out how we will collect, use, disclose, and protect your personal information.

This policy does not limit or exclude any of your rights under the Act. If you wish to seek further information on the Act, you can contact our Privacy Officer by email at nathan@thegoodbroker.co.nz, or visit privacy.org.nz for further information.

We may change this policy by uploading a revised policy onto the website. The change will apply from the date that we upload the revised policy.

Personal information is information about an identifiable individual. It includes (but is not limited to) name, address, contact details, date of birth, occupations, payment details, employment history and/or details, education and qualifications, financial information, testimonials and feedback, evidence of source of funds or source of wealth (in some cases) and other information.

Where we collect your personal information from someone other than you, we will take reasonable steps to notify you that we have collected your personal information, the purpose of the collection, the intended recipients of the information, the name and address of the agency collecting and holding the information, whether the collection is authorised or required by law and, if so, the law that authorises or requires the collection, and your right to access and request correction of that information, unless an exception applies under the Privacy Act 2020.

• to verify your identity
• to provide services and products to you
• to market our services and products to you, including contacting you electronically (e.g. by call, text, or email for this purpose)
• to improve the services and products that we provide to you
• to respond to communications from you, including a complaint
• to protect and/or enforce our legal rights and interests, including defending any claim
• for any other purpose authorised by you or the Act.

We may disclose your personal information to:

• Other companies or individuals who assist us in providing services or who perform functions on our behalf (such as mailing houses, hosting and data storage providers, specialist consultants, and legal advisers);
• Product providers (such as but not limited to lenders and insurance companies);
• Financial advisers and financial advice providers who may use our services;
• Other companies or individuals who perform checks (such as but not limited to compliance reviews and audits) that are necessary or desirable under the law on our behalf;
• Other companies, agencies, or individuals that maintain databases against which your identity may be verified, which may include (but are not limited to) the New Zealand Department of Internal Affairs, and New Zealand Transport Agency;
• Social media sites on which we may have a presence;
• Advertising and analytics providers (such as Meta Platforms and Google), in the limited and typically hashed form described under “Advertising and analytics” below;
• Courts, tribunals, and regulatory authorities (such as the Financial Markets Authority, and the Ministry of Justice in New Zealand);
• Office of the Ombudsman, where a complaint relates to official information;
• Any person or agency we believe could assist in responding to a serious privacy breach;
• Office of the New Zealand Privacy Commissioner, where a complaint relates to breach of the Privacy Act 2020;
• Human Rights Commission, where a complaint relates to discrimination;
• CERT NZ, where appropriate to assist with the management of a voluntarily notified privacy breach;
• Overseas privacy regulator, where a complaint relates to the actions of an overseas agency; and
• Anyone else to whom you authorise us to disclose it.

Except as described above, we will not disclose your personal information without your written or oral consent, unless we are required to do so by applicable law.

Some of our service providers store or process personal information outside New Zealand, including in the United States, Singapore and Australia. Where information is transferred overseas, we take reasonable steps to ensure it is protected by safeguards comparable to those required under the New Zealand Privacy Act 2020.

We may record and retain telephone and video calls with you. We do this to keep accurate records of our discussions and the advice we provide, to meet our professional and regulatory obligations, and to help us improve our service. Where we record a call, we will make you aware of it.

We use trusted third-party technology providers, including artificial intelligence and automated transcription tools, to transcribe, summarise and organise our communications with you and the information you provide. This helps us maintain accurate records and serve you better. Our providers are contractually required not to use your information to train their own AI models.

We will take reasonable steps to keep your personal information safe from loss, unauthorised activity, or other misuse. Our software is subject to audits to ensure it is continuing to meet security requirements. All data handled in our software is encrypted in transit and during storage and can only be accessed over secure network connections.

We will only retain personal information as long as it is required for the purposes for which the information may lawfully be used. All data stored online is backed up and can be retrieved in the event of data loss or corruption. Data will sometimes be held on-premise at Office 2, 18 Tawa Street, Mount Maunganui 3116, New Zealand if it is provided to us outside of our software.

Subject to certain grounds for refusal set out in the Act, you have the right to access your readily retrievable personal information that we hold and to request a correction to your personal information. Before you exercise this right, we will need evidence to confirm that you are the individual to whom the personal information relates.

In respect of a request for correction, if we think the correction is reasonable and we are reasonably able to change the personal information, we will make the correction. If we do not make the correction, we will take reasonable steps to note the personal information that you requested the correction.

If you want to exercise either of the above rights, email us at nathan@thegoodbroker.co.nz. Your email should provide evidence of who you are and set out the details of your request (e.g. the personal information, or the correction, that you are requesting).

Our Privacy Officer has processes and systems in place in the unfortunate event of a data breach. If such an event occurs, we will promptly identify, report and examine a personal data breach.

While we take reasonable steps to maintain secure internet connections, if you provide us with personal information over the internet, the provision of that information is at your own risk. If you follow a link on our website to another site, the owner of that site will have its own privacy policy relating to your personal information. We suggest you review that site’s privacy policy before you provide personal information.

We use cookies (an alphanumeric identifier that we transfer to your computer’s hard drive so that we can recognise your browser) to monitor your use of the website. You may disable cookies by changing the settings on your browser, although this may mean that you cannot use all of the features of the website.

We may use information about your use of our websites and other IT systems to prevent unauthorised access or attacks on our software. We may utilise services from one or more third-party suppliers to monitor the use of our systems. These third-party suppliers will have access to monitoring and logging information as well as information processed on our websites and other IT systems.

We advertise on social media and other online platforms, and we measure how well that advertising works. As part of this:

• Our websites use cookies and similar technologies (such as the Meta pixel) that record how you found us and what you do on our pages, for example completing an enquiry form or booking a call.
• If you became a lead after clicking one of our ads, we may later send the advertising platform confirmation that a business milestone occurred (for example, an enquiry progressing to a mortgage application, or a loan settling), together with identifiers such as your email address, phone number and name. These identifiers are hashed (converted into a scrambled code) before they leave our systems, so the platform can only use them to match against its own existing records.
• We never share the answers you give in our quizzes or fact finds, your income, or details of your financial position with advertising platforms.

We use this information to measure which of our ads lead to genuine client outcomes, to improve how our advertising budget is spent, and to reach audiences similar to our clients. Meta Platforms processes this information in the United States. You can control how Meta uses your data for advertising in your Facebook or Instagram ad settings, and you can ask us to stop sharing your information for these purposes at any time by emailing nathan@thegoodbroker.co.nz.

We also use analytics services such as Google Analytics to understand how visitors use our websites.

We work with a range of lenders and product providers to assist in arranging financial solutions tailored to your needs. A list of the providers we currently work with can be found here.

We are also a member of Kiwi Adviser Network, which provides access to a broader panel of lenders and product providers. You can view the full list of providers available through Kiwi Adviser Network here.