Joint Privacy Policy: Finance in NZ & Living in NZ

Introduction

NetworkG Partners Limited (FSP1010947) operates two distinct advisory services:

• Finance in NZ (financeinnz.co.nz) – Financial advice services authorised by Link Financial Group 2022 Limited (FSP1004590)
• Living in NZ (livinginnz.co.nz) – Immigration advisory services

This joint privacy policy explains how we collect, use, and safeguard your information across both services in accordance with the:

• Privacy Act 2020
• Financial Markets Conduct Act 2013 (FMCA)
• Immigration Advisers Licensing Act 2009
• Anti-Money Laundering and Countering Financing of Terrorism Act 2009 (AML/CFT)

Data Separation Between Services

We maintain separate CRM and database management systems for financial and immigration services to ensure your sensitive data remains isolated and protected.

• Financial advice records are stored separately from immigration advisory records
• Each service operates with dedicated data management protocols
• Access controls ensure staff only access data relevant to their service area
• Regular audits verify data separation compliance

Internal Referrals Between Services

Information is not automatically shared between our immigration and financial advisers. We will only share your data internally if you provide specific, documented consent.

If you choose to use both our financial and immigration services:

• You will be asked to sign a separate consent form for any internal data sharing
• You can withdraw consent at any time without affecting either service
• No internal referral incentives exist between our service divisions
• Each adviser maintains separate professional obligations

Information We Collect

We collect personal information to provide mortgage and immigration advice, and to meet our obligations under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009, the Credit Contracts and Consumer Finance Act 2003, and the Financial Markets Conduct Act 2013.

This may include:

• Personal identification (name, date of birth, address, contact details)
• Financial information (income, expenses, assets, liabilities)
• Employment details and income verification
• Credit history and credit score
• Property information
• Identity verification documents (passport, driver's licence, proof of address)
• Immigration status and visa details (where applicable)

Where We Collect Information From

We collect the personal information we need to provide you with financial advice and to meet our legal obligations. Most of this information is provided directly by you.

We may also collect information about you from the following sources:

• Credit reporting agencies — for credit checks and verification. The specific agency we use may vary depending on the lender or the circumstances of your application.
• Government agencies — for identity verification and compliance purposes.
• Your employer — for income verification.
• Your accountant or financial adviser — for financial documentation.
• Lenders — for application status and loan information.

Where we collect personal information about you from someone other than you (as listed above), the Privacy Act 2020 — including Information Privacy Principle 3A — requires us to take reasonable steps to ensure you are aware, as soon as reasonably practicable, of the collection and its purpose, who is collecting and holding it, whether it is authorised or required by law, and your right to access and correct it. This policy, together with our Public Disclosure Statement and the Authority and Declaration you sign at the start of your engagement, is intended to meet that requirement.

We only collect information that is necessary for providing advice or meeting our regulatory requirements. You can request access to, or correction of, your personal information at any time by contacting us.

For further information about how personal information is handled and the types of third parties involved, please refer to the Link Financial Group Privacy Statement.

Sharing Your Information

We share your data with our panel of lenders (including ANZ, ASB, BNZ, Co-operative Bank and a range of non-bank and specialist lenders), credit reporting agencies (which may vary depending on the lender or circumstances of your application), and our licensee, Link Financial Group 2022 Limited.

As part of the advice and loan process, your information may also be shared with:

• Lenders: Including ANZ, ASB, BNZ, Co-operative Bank and a range of non-bank and specialist lenders, to process and assess your loan application
• Solicitors: For legal documentation and settlement
• Valuers: For property valuation services
• Credit reporting agencies: for credit checks, using an agency that may vary depending on the lender or your application.
• Insurers: For risk insurance and property insurance purposes
• Regulatory bodies: Where required by law (including the FMA and RBNZ)

We will only share your information with your consent or where required by law.

Cookies and Analytics

We use cookies and analytics tools to improve your experience on our website and understand how visitors interact with our content.

Google Analytics

We use Google Analytics 4 to collect anonymous information about how visitors use our website. This helps us improve our services and content. Google Analytics collects:

• Pages you visit and time spent on each page
• How you arrived at our website (e.g., search engine, direct link)
• Your approximate geographic location (city/country level)
• Device type, browser, and operating system
• Interactions with our website (clicks, scrolling)

This information is anonymized and cannot be used to personally identify you. Google Analytics data is retained for 14 months.

Your Cookie Choices

When you first visit our website, you will be asked to accept or decline analytics cookies. You can change your preference at any time by:

• Clearing your browser cookies and revisiting our website
• Using your browser settings to block cookies
• Using the Google Analytics Opt-out Browser Add-on

For more information about how Google processes data, visit Google's Privacy Policy.

Your Rights Under the Privacy Act 2020

Under the Privacy Act 2020, you have the following rights:

• Right to Access (Principle 6): You have the right to request access to any personal information we hold about you. We will provide this information within 20 working days of receiving your request.
• Right to Correction (Principle 7): You have the right to request that we correct any inaccurate, incomplete, or misleading personal information we hold about you. If we have disclosed incorrect information to third parties, we will take reasonable steps to notify them of the correction.
• Know how we use your data: You have the right to understand how your information is collected, used, and disclosed.
• Withdraw consent: Where we rely on your consent to process data, you can withdraw that consent at any time.

To exercise any of these rights, please contact us at contactus@financeinnz.co.nz. We will respond to all requests within 20 working days.

How We Protect Your Information

We take reasonable steps to protect your personal information from unauthorized access, use, modification, or disclosure. This includes:

• Secure storage of physical documents in locked premises
• Encrypted electronic systems and secure cloud storage
• Access controls and password protection for staff
• Regular security reviews and updates
• Staff training on privacy and data protection

Data Retention

We retain your personal information for as long as necessary to provide our services and comply with our legal obligations. Under AML/CFT requirements, we are required to retain identity verification records for a minimum of 5 years after the business relationship ends. Financial advice records are retained for 7 years as required by our licence conditions.