Effective Date: 1 February 2026
Last Updated: 1 February 2026

Finance World ("we", "us", "our") is committed to protecting your privacy in accordance with the Privacy Act 2020 (New Zealand) and the Information Privacy Principles contained therein. This policy explains how we collect, use, store, and disclose your personal information when you use our services or visit our website at financeworld.co.nz.

1. Information We Collect

We may collect the following types of personal information:

Identity information: Full name, date of birth, residential address, and government-issued identification details.
Contact information: Email address, phone number, and postal address.
Financial information: Income details, employment information, bank statements, existing debts and liabilities, credit history, and property valuations.
Loan application data: Information required to assess and submit finance applications to lenders on your behalf.
Website usage data: IP address, browser type, pages visited, and cookies for analytics and website improvement purposes.

We collect personal information directly from you, from third parties (such as credit reporting agencies and lenders), and through automated means when you visit our website.

2. How We Use Your Information

We use your personal information for the following purposes:

To assess your financial situation and provide tailored finance advice.
To submit loan applications and negotiate terms with lenders on your behalf.
To communicate with you about your application, account, or our services.
To comply with our legal and regulatory obligations, including Anti-Money Laundering (AML) and Countering Financing of Terrorism (CFT) requirements.
To improve our website, services, and customer experience.
To send you relevant market updates and educational content, where you have consented to receive such communications.

3. Data Security

We take reasonable steps to protect your personal information from unauthorised access, modification, disclosure, or destruction. Our security measures include:

Encrypted data transmission using SSL/TLS technology on our website.
Secure storage of physical and electronic records with restricted access.
Regular review of our information security practices and procedures.
Staff training on privacy obligations and data handling best practices.

While we take all reasonable precautions, no method of electronic transmission or storage is completely secure. We cannot guarantee absolute security of your personal information.

4. Third-Party Disclosure

We may share your personal information with the following third parties:

Lenders and financial institutions: To process and assess your loan applications.
Credit reporting agencies: To conduct credit checks as part of the application process.
Valuers, solicitors, and conveyancers: As required to complete your finance transaction.
Regulatory bodies: Where required by law, including the Financial Markets Authority (FMA) and the Department of Internal Affairs (DIA) for AML/CFT compliance.
Service providers: Third-party technology and analytics providers who assist us in operating our website and delivering our services, subject to appropriate confidentiality agreements.

We will not sell, rent, or trade your personal information to any third party for marketing purposes.

5. Your Rights

Under the Privacy Act 2020, you have the right to:

Access: Request a copy of the personal information we hold about you.
Correction: Request that we correct any inaccurate or incomplete information.
Withdrawal of consent: Withdraw your consent for us to use your information for marketing purposes at any time.
Complaint: Lodge a complaint with the Office of the Privacy Commissioner if you believe your privacy has been breached.

To exercise any of these rights, please contact us using the details below. We will respond to your request within 20 working days.

6. Cookies and Analytics

Our website uses cookies and similar technologies to enhance your browsing experience and collect anonymous usage data. You can control cookie settings through your browser preferences. Disabling cookies may affect certain features of our website.

We use Google Analytics to understand how visitors interact with our website. This data is anonymised and used solely for the purpose of improving our online services.

7. Retention of Information

We retain your personal information for as long as is necessary to fulfil the purposes for which it was collected, or as required by law. Financial records are typically retained for a minimum of seven years in accordance with New Zealand regulatory requirements.

8. Changes to This Policy

We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. The updated policy will be posted on our website with the revised effective date. We encourage you to review this page periodically.

9. Contact Us

If you have any questions about this privacy policy or wish to exercise your rights, please contact us:

Business: Finance World
Contact Person: Varun Bhatti
Email: info@financeworld.co.nz
Address: 164 Great South Road, Manurewa, Auckland 2102, New Zealand

Privacy Policy