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Privacy Policy

Woodland Grove Ltd t/a Kylee Smit Mortgages

At Woodland Grove Ltd, trading as Kylee Smit Mortgages, we are dedicated to protecting your privacy and handling your personal information responsibly. This Privacy Policy explains our commitment to safeguarding your personal information and outlines how we collect, use, store, and disclose it.

We want you to feel confident that your information is managed in compliance with the Privacy Act 2020 (or any future legislation) and all other applicable New Zealand laws. This Privacy Policy applies in addition to, and does not limit, our rights and obligations under the Privacy Act or other relevant legislation. 

1. Our Commitment to Protecting Your Privacy
Your privacy is important to us. We are committed to handling your personal information in a way that protects it and ensures your trust in our business. 

2. Who Are We?
References to “we,” “us,” or “our” in this Privacy Policy mean Woodland Grove Ltd t/a Kylee Smit Mortgages, acting as your financial adviser. 

3. Your Consent
By providing your personal information, engaging our services, or using our website, you consent to the collection, use, storage, and disclosure of your information as outlined in this Privacy Policy. 

4. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in the law or our business practices. Any updates will be published on our website. By continuing to engage our services or use our website, you accept the updated terms of this Privacy Policy.

5. What Personal Information Do We Collect?
We collect personal information that identifies or can identify you, such as:

  • Your name, date of birth, address, contact details, and occupation.

  • Financial information, including income, expenses, assets, and liabilities.

  • Supporting documents, such as identification, proof of address, or bank statements.

  • If you engage us to provide services, we may also collect information about your financial situation, goals, and needs to provide tailored mortgage and insurance advice.

6. Why Do We Collect Your Personal Information?
We collect personal information to:

  • Respond to your inquiries and provide financial advice.

  • Recommend suitable mortgage and insurance products.

  • Communicate with you about products or services that may interest you.

  • Conduct market research to improve our services.

  • Comply with our legal and regulatory obligations.

  • Fulfil any other purpose authorized by you or required by the Privacy Act.

If you prefer not to receive marketing communications, you can opt out at any time by notifying us.

We may also collect personal information, such as credit or health information, on behalf of lenders, insurers, or other product providers. Each product provider has its own privacy policy that governs how they handle your information. 

7. How Do We Collect Your Personal Information?
We collect personal information directly from you, for example:

  • Through forms, emails, or conversations with us.

  • When you use our website or contact us through online forms.

We may also collect information from:

  • Credit reporting agencies.

  • Banks, employers, or other financial institutions (with your consent).

  • Product providers during the term of your loan or insurance policy.

  • Other parties authorized by you or permitted by the Privacy Act.

If you provide us with someone else’s personal information, you confirm that:

  • You have their consent to share the information.

  • They have been informed about how their information will be handled and their right to access and correct it.

8. Updating Your Personal Information
To ensure we provide accurate advice, it is important that your personal information is up to date. Please notify us of any changes as soon as possible.

9. Who Do We Share Your Information With?
We may disclose your personal information to:

  • Product providers, lenders, or insurers relevant to your financial needs.

  • Service providers, contractors, or referral partners assisting in our operations.

  • Regulatory bodies, auditors, or government agencies as required by law.

  • Other third parties authorized by you or the Privacy Act.

Before sharing your information, we take reasonable steps to ensure that recipients are committed to protecting your privacy.

10. Overseas Disclosure
We may use cloud-based storage or engage third-party providers located outside New Zealand to store or process your personal information. When doing so, we ensure appropriate safeguards are in place to protect your information.

11. Using Our Website
Cookies and IP Addresses

We use cookies and tracking tools to improve our website and service offerings. Cookies may record non-identifiable data such as:

  • Your device type, browser, and IP address.

  • Pages visited, time spent on the site, and links clicked.

You can adjust your browser settings to refuse cookies if you prefer.

Website Security
While we take precautions to secure your personal information, data transmission over the internet is not completely secure. You share information online at your own risk.

Third-Party Links
Our website may contain links to third-party websites. We are not responsible for their privacy practices or content. 

12. Is Providing Personal Information Mandatory?
Providing personal information is optional, but choosing not to may limit our ability to assist you or process your applications for loans, insurance, or other financial products. 

13. Access and Correction
You have the right to access and correct your personal information. To do so, please contact us. A small fee may apply for retrieving and supplying your information.

14. Contact Us
If you have any questions about this Privacy Policy or wish to exercise your privacy rights, please contact us: 

Woodland Grove Ltd t/a Kylee Smit Mortgages
Email: kylee@ksmortgages.co.nz
Phone: 027 273 7411