Safeguarding your personal information is paramount to us. This document outlines our dedication to maintaining the privacy of the personal information we collect from you and how we handle that information.
Ensuring the security and confidentiality of your personal data is of utmost importance to us. Our commitment to safeguarding your personal information entails adhering to the Privacy Principles established in the Privacy Act 2020 (or any successor legislation) and all relevant laws. This Privacy Policy serves to complement and uphold our obligations under the Privacy Act and other pertinent laws.
In this Privacy Policy, the terms “we,” “us,” and “our” refer to Falcon Financial Services Limited trading as Falcon Mortgages, operating through a Financial Adviser
By furnishing us with personal information, engaging our services, or utilizing our website, you consent to the collection, use, storage, and disclosure of personal information as outlined in this Privacy Policy.
We reserve the right to update our Privacy Policy periodically by posting an amended version on this page to reflect legal changes and our evolving business requirements, provided that such changes do not disadvantage you. Your continued engagement with us or use of our website implies acceptance of the updated Privacy Policy.
When we mention personal information, we are referring to data that can identify you or has the potential to do so. This encompasses details such as your name, date of birth, address, contact information, account particulars, and occupation.
If you engage our services, we may gather personal information about your financial circumstances or objectives to facilitate recommendations regarding mortgage and insurance products (referred to as “Products”) that we are authorized to advise on.
We gather your personal information for the purpose of providing our services and maintaining our relationship with you, as well as for relevant third parties (refer to section 9 below: “Who do we disclose your personal information to?”). This includes:
- Addressing your requests or inquiries;
- Providing services to you (e.g., enabling us to recommend Products);
- Sending communications and direct marketing about products and services we believe may interest you (via mail, telephone, or electronic means such
as email and SMS/MMS);
- Conducting market research; and
- Any other purpose authorized by you or the Privacy Act.
If you prefer not to receive marketing information, you can opt out at any time by notifying us.
Additionally, we may collect personal information (including credit and health information) on behalf of the lenders, insurers, and other providers of Products that you choose to apply for (Product Providers). These Product Providers will have their own Privacy Policy that applies to the information we collect on their behalf.
Typically, we obtain your personal information directly from you. For instance, we collect it through your interactions with our website and any information you submit therein. Additionally, your personal information may be collected when you use the “contact us” feature on our website or during conversations between you and our team.
We may also gather your personal information from the following sources:
- Kiwi Advisor Network (KAN) and its affiliated entities;
- Credit reporting agencies;
- Banks (with your authorization, such as through the use of illion Bank Statements) and employers;
- Product Providers (e.g., during the term of any loan or insurance arranged on your behalf, to address inquiries or assist with financial arrangements as your circumstances evolve). If applicable, Product Providers may periodically disclose your loan balance or premium to us in connection with the payment of ongoing commission over the term of your loan or insurance;
- Any other individual authorized by you or as permitted by the Privacy Act.
If you provide us with personal information about someone else, you confirm that you have obtained that individual’s personal information in accordance with the Privacy Act. Additionally, you confirm that the individual has:
- Authorized the disclosure of their personal information to us and the collection, use, and disclosure of their personal information by us in accordance with this Privacy Policy;
- Been informed of their right to access and request correction of their personal information. Top of Form
We will generally rely on you to ensure the information we hold about you is accurate. If any of your details change, please let us know as soon as possible by contacting us.
We may share your personal information with the following individuals or entities if we deem it necessary for the purposes outlined in section 6 above:
- Kiwi Advisor Network (KAN) and its affiliated entities;
- Product Providers and other potential lenders, third parties, or intermediaries involved in your finance or insurance needs (including a prospective lender's mortgage insurer, parties entering into contractual agreements with lenders or insurers, guarantors, trustees, assignees, or potential assignees of lenders' or insurers' rights);
- Our referral partners who offer additional services;
- Contractors or service providers;
- Investors, or any entity with an interest in our business, or any entity to whom we may assign or transfer our rights or obligations, or sell part or all of our business;
- Individuals or organizations with whom we are legally required or authorized to share information, including regulators and government agencies;
- Auditors (such as KAN) to ensure compliance with regulations and that services provided are in your best interests;
- Your employer and referees, as well as credit reporting and identity verification agencies; and
- Any other person or entity authorized by you or as permitted by the Privacy Act.
You acknowledge and consent to credit reporting agencies holding your credit information, including default information, on their systems, and using such information to provide credit reporting services, which may include sharing your credit information with their clients.
Before disclosing your personal information to any other individual or organization, we will take reasonable steps to ensure that they are committed to protecting your personal information to a standard at least equal to our commitment.
We may utilize cloud storage for storing the personal information we maintain about you. The cloud storage and IT servers may be situated outside of New Zealand.
Additionally, we may disclose personal information to Kiwi Advisor Network (KAN) and its affiliated entities, as well as third-party suppliers and service providers located overseas, for certain purposes listed above.
Cookies and IP Addresses: Upon accessing our website, we may send a “cookie” (a small summary file containing a unique ID number) to your computer. This enables us to identify your computer each time you visit our website. Cookies are also used to analyze traffic patterns, identify visited areas of our website, measure transaction patterns, analyze trends, administer the website, track user movements, and gather broad demographic information. This helps us research user habits to improve our website and service offerings. Our cookies may record information such as your Internet Protocol (IP) address, device and browser type, operating system, pages or features browsed, time spent on those pages or features, site usage frequency, search terms used, links clicked or used, and other usage statistics. While our cookies do not collect personal information, if you submit your name and email address during usage, we will link that personal information with the cookie information previously collected from you. If you prefer not to receive cookies, you can configure your browser to reject them.
As our website is connected to the internet, which is inherently insecure, we cannot guarantee the security of information transmitted to us online. There is a risk that the information you provide may be intercepted during transmission over the internet. Therefore, any personal or other information you transmit to us online is done so at your own risk.
Our website may include links to other websites operated by third parties, as well as display advertisements hosted by third parties.
We do not make any representations or warranties regarding the privacy practices of these third-party websites or advertisement providers.
Additionally, we are not responsible for their privacy policies or the content of their websites or advertisements. It is the responsibility of third-party websites to inform you about their own privacy practices.
Our online advertising network partner may utilize cookies, web beacons, or other web tracking techniques to gather non-personally identifiable information about your activities on our website and other websites you visit. This information may be used to deliver targeted advertising based on your interests.
Our online advertising network partner may utilize cookies, web beacons, or other web tracking techniques to gather non-personally identifiable information about your activities on our website and other websites you visit. This information may be used to deliver targeted advertising based on your interests.Our online advertising network partner may utilize cookies, web beacons, or other web tracking techniques to gather non-personally identifiable information about your activities on our website and other websites you visit. This information may be used to deliver targeted advertising based on your interests.Our online advertising network partner may utilize cookies, web beacons, or other web tracking techniques to gather non-personally identifiable information about your activities on our website and other websites you visit. This information may be used to deliver targeted advertising based on your interests.Top of Form
You are not obligated to provide any personal information to us. However, choosing not to do so may impact our ability to offer services to you and your ability to secure finance, insurance, and other Products from Product Providers.
In most cases, it will be necessary for us to identify you to conduct business effectively. Nonetheless, where lawful and feasible, we will provide you with the option of engaging with us without disclosing personal information. For instance, if you inquire about interest rates or current promotional offers.
While you have the option to interact with our website anonymously, we will be unable to contact you unless you provide your personal information.
You have the right to access and request correction of any personal information we hold about you at any time. To do so, please contact us. Please note that we may charge a fee for the reasonable costs associated with retrieving and providing this information to you.
If you have any inquiries regarding our Privacy Policy or your personal information, please don’t hesitate to reach out to us.
