Privacy Policy

Introduction

Better Choice Financial Services Ltd (we, us, our) complies with the New Zealand Privacy Act 2020 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 Privacy Act. If you would like further information about the Act, please contact our Privacy Officer at rohit@betterchoice.co.nz, or visit www.privacy.org.nz.

Changes to this Policy

We may update this policy from time to time by publishing a new version on our website. Updates will apply from the date they are uploaded.

What is Personal Information?

Personal information includes (but is not limited to):

• Name, address, and contact details
  
  
• Date of birth, occupation, employment history
  
  
• Payment details, financial information
  
  
• Education and qualifications
  
  
• Testimonials and feedback
  
  
• Source of funds or wealth (in some cases)
  
  
• Other information relating to you as an identifiable individual
  
  

How We Use Your Personal Information

We may use your personal information to:

• Verify your identity
  
  
• Provide financial services and products
  
  
• Market our services and products to you (including by email, text, or phone)
  
  
• Improve our services and customer experience
  
  
• Respond to communications and complaints
  
  
• Protect and enforce our legal rights and interests
  
  
• Fulfil any other purpose authorised by you or required under the Privacy Act
  
  

Disclosure of Your Personal Information

We may disclose your personal information to:

• Product providers (such as lenders and insurance companies)
  
  
• Other companies or individuals who assist us in providing services
  
  
• Compliance reviewers, auditors, or regulators (e.g., FMA, Ministry of Justice)
  
  
• Courts, tribunals, and dispute resolution schemes
  
  
• The Office of the Privacy Commissioner (where a complaint relates to privacy)
  
  
• Other agencies such as the Ombudsman, Human Rights Commission, or CERT NZ (if applicable)
  
  
• Anyone else you authorise us to disclose it to
  
  

We will not disclose your personal information except as described above unless required by law.

Protecting Your Personal Information

We will take reasonable steps to keep your personal information safe from loss, unauthorised access, or misuse. Data held in our systems is encrypted in transit and storage, and can only be accessed through secure networks.

Storing Your Personal Information

 We will only keep your personal information for as long as required for lawful purposes.
 Data may be stored electronically (with secure backups), or on occasion at our office.

Address: 10/10 Acheron Drive, Riccarton, Christchurch 8041, New Zealand
Phone: 0800005676
Email: rohit@betterchoice.co.nz
Website: https://betterchoice.co.nz

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Access and Correction

You have the right to access your readily retrievable personal information that we hold and request corrections.

If you wish to do so, please email rohit@betterchoice.co.nz with evidence of your identity and details of your request.

If we decline to make a correction, we will attach your request to the relevant record so it is clear you sought the correction.

Data Breaches

If a privacy breach occurs, we have systems in place to investigate, notify affected individuals (where required), and report to the Privacy Commissioner if the breach is serious.

Internet Use and Cookies

• If you provide us with personal information online, it is at your own risk.
  
  
• If you follow links on our website to third-party sites, their privacy policies will apply.
  
  

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