At Right Choice Finance, we get that when you’re dealing with mortgages, lending and insurance, it usually means sharing personal and financial information. We take that responsibility a little too seriously sometimes.
This Privacy Policy explains how Right Choice Finance collects, uses, stores, and shares personal information when you visit our website, contact us, request information, book a consultation, use our online forms, or work with us for financial advice.
Right Choice Finance is committed to handling personal information responsibly and in line with the privacy rules that apply in New Zealand, including the Privacy Act 2020.
1. About Right Choice Finance
In this Privacy Policy, “Right Choice Finance”, “we”, “us” and “our” means Right Choice Financial Limited, trading as Right Choice Finance.
Company FSP Number: FSP1011591
Our website is: https://rightchoicefinance.co.nz/
Our contact details are:
Right Choice Financial Limited
Trading as Right Choice Finance
Ground Floor, 39 Bishop Dunn Place
Botany, Auckland 2013
New Zealand
Email: info@rightchoicefinance.co.nz
Phone: 027 509 0203
2. What Is Personal Information?
Personal information means information about an identifiable individual.
Depending on the services you request and your circumstances, the information we collect may include:
- Full name
- Date of birth
- Residential or postal address
- Email address
- Phone number
- Employment and occupation details
- Employer information
- Income and other sources of income
- Regular expenses and financial commitments
- Bank and account information
- Savings and deposit information
- Existing loans and other debts
- Credit or lending information
- Property and asset information
- Mortgage information
- Insurance information
- Identification documents
- Information required for identity verification
- Information relating to your financial goals and objectives
- Information about your borrowing requirements
- Documents you provide to support an application
- Records of communications with us
- Information contained in applications or financial advice records
- Feedback, testimonials or reviews you provide
- Any other information reasonably required to provide our services
The type of information we collect will depend on the service you are seeking and your individual circumstances.
3. How We Collect Personal Information
Where reasonably possible, we collect personal information directly from you.
For example, we may collect information when you:
- Complete an enquiry form on our website
- Contact us by phone
- Contact us by email
- Request a consultation
- Ask us about buying your first home
- Enquire about an investment property
- Ask about refinancing or reviewing an existing mortgage
- Request mortgage or financial advice
- Enquire about life insurance
- Enquire about health or medical insurance
- Enquire about income protection insurance
- Provide information for a loan or insurance application
- Send us documents
- Speak with one of our advisers
- Book or attend an appointment
- Provide feedback or a testimonial
- Subscribe to communications from us
We may also collect personal information from other sources where this is permitted or authorised by law.
4. Information We Collect From Other Sources
There may be situations where we receive personal information about you from someone other than you.
For example, information may be provided by:
- A joint applicant or partner
- A person acting on your behalf
- Your accountant
- Your solicitor or legal adviser
- A lender or financial institution
- An insurance provider
- A product provider
- A credit reporting or verification provider
- A property professional or valuer
- A referral partner
- Another financial adviser or financial advice provider
- A government agency or regulatory body
- A service provider involved in your application
- A publicly available source
We may collect this information where it is reasonably necessary for providing financial advice, assessing or progressing an application, verifying information, meeting legal obligations, or providing another service you have requested.
Indirect collection
Where we collect your personal information indirectly, we will take reasonable steps to ensure you are informed about the collection as required by applicable privacy law.
This may include informing you:
- That we have collected your personal information
- Why the information was collected
- Who the information may be provided to or received from
- Who is collecting and holding the information
- Any applicable legal authority for the collection, where relevant
- Your rights to access and request correction of the information
These requirements are subject to any exceptions available under the Privacy Act 2020.
5. Why We Collect Your Information
We collect personal information because it may be necessary to understand your circumstances and provide the services you request.
We may use your information to:
- Respond to your enquiries
- Contact you about your request
- Arrange appointments and consultations
- Understand your financial circumstances
- Understand your financial goals and requirements
- Provide financial advice
- Assess mortgage and lending requirements
- Assist with home loan applications
- Assist first-home buyers
- Assist with investment property lending
- Review or refinance existing lending
- Assist with insurance enquiries and applications
- Identify financial products or options that may be appropriate for your circumstances
- Communicate with lenders, insurers and product providers
- Verify your identity and information
- Carry out required checks
- Prepare and manage applications
- Maintain records of financial advice
- Manage our relationship with you
- Respond to questions, complaints or feedback
- Meet legal and regulatory obligations
- Protect our business, website and clients against fraud, misuse or unauthorised activity
- Improve our website and services
- Send service-related communications
- Send marketing communications where permitted by law
- Carry out other purposes that you have authorised or that are permitted or required by law
We will not knowingly use your personal information for an unrelated purpose unless permitted or required by law or otherwise authorised by you.
6. Information Required for Financial Advice
Providing financial advice may require us to understand your broader financial position.
Depending on the service involved, we may ask for information about:
- Your income
- Employment
- Household expenses
- Assets
- Savings
- Existing mortgages and other lending
- Credit commitments
- Property
- Insurance arrangements
- Financial objectives
- Borrowing requirements
- Future plans
- Other circumstances relevant to the advice being provided
We use this information to understand your circumstances and provide or arrange financial advice and services that are relevant to your needs.
If you choose not to provide information that is reasonably necessary for us to provide a particular service, we may not be able to provide that service or progress your application.
7. Identity Verification and Other Checks
Depending on the service you request and our legal or regulatory obligations, we may need to verify your identity or confirm information you have provided.
This may involve information such as:
- Name
- Date of birth
- Address
- Identification documents
- Other information reasonably required for verification
Where appropriate, we may use third-party identity verification, compliance or information services to assist with these checks.
We may also carry out other checks where required or permitted by law.
8. Credit Information
Where relevant to the service you request, information relating to your credit history or existing lending may be obtained, used or disclosed for purposes connected with assessing or arranging financial products.
This may include information about:
- Existing credit facilities
- Loans
- Credit limits
- Repayment history
- Outstanding balances
- Other relevant credit information
Where credit information is obtained from a credit reporting body or another organisation, its use and disclosure may also be subject to that organisation’s privacy policy and applicable law.
9. Information Shared With Lenders and Product Providers
If you ask us to help arrange a mortgage, loan, insurance policy or another financial product, relevant personal information may need to be provided to the lender, insurer or product provider.
This information may be required to:
- Assess an application
- Confirm your identity
- Assess your financial circumstances
- Assess eligibility
- Determine available lending or insurance options
- Obtain terms or pricing
- Process an application
- Provide or arrange the financial product or service
The lender, insurer or product provider may have its own privacy policy governing how it handles information once it receives it.
We aim to provide only information that is reasonably necessary for the relevant purpose.
10. Who We May Share Your Personal Information With
We do not sell your personal information.
Depending on your circumstances and the service you request, we may disclose relevant information to:
- Banks and other lenders
- Insurance companies
- Financial product providers
- Other financial advisers or financial advice providers involved in providing the requested service
- Credit reporting bodies
- Identity verification providers
- Compliance and verification service providers
- Valuers and other property professionals
- Solicitors and legal advisers
- Accountants and other professional advisers
- Technology and software providers
- Website, hosting and data-storage providers
- Communication and customer management providers
- Compliance, audit and professional service providers
- Government departments and regulatory authorities
- Courts, tribunals or other bodies where legally required
- Any person or organisation you have authorised us to provide information to
- Other parties where disclosure is permitted or required by law
We consider the purpose of the disclosure and seek to limit the information shared to what is reasonably necessary.
11. Information Held by Product Providers
When we collect or provide information to a lender, insurer or another product provider as part of your application, that organisation may become responsible for its own handling of your information.
For example, a lender or insurer may use your information to:
- Assess an application
- Determine whether it can provide a product
- Manage an existing product or relationship
- Meet its legal and regulatory obligations
- Manage credit or other risks
- Prevent fraud or misuse
The relevant provider’s own privacy policy will apply to information it holds.
If you want to access or correct information held directly by a lender, insurer or other product provider, you may need to contact that organisation directly.
12. Service Providers We Use
We may use external service providers to help us operate our business.
These providers may assist with:
- Website hosting
- Data storage
- Online forms
- Email and communications
- Customer relationship management
- Document management
- Website analytics
- Technical support
- Cybersecurity or monitoring
- Compliance and professional services
Where these providers handle personal information on our behalf, we take reasonable steps to ensure that the information is handled appropriately and in accordance with applicable privacy requirements.
13. Overseas Providers and Disclosure
Some of the organisations or technology providers we use may operate outside New Zealand, or information may be stored or processed outside New Zealand.
Where personal information is disclosed or transferred overseas, we will take reasonable steps to ensure that the disclosure is handled in accordance with the requirements of New Zealand privacy law.
Where applicable, we will consider whether the overseas recipient provides appropriate privacy protection or whether another lawful basis for the disclosure applies.
14. Website Information and Cookies
When you visit our website, certain technical information may be collected automatically.
This may include:
- IP address
- Browser type
- Device information
- Operating system
- Pages visited
- Date and time of visits
- Referring website
- General website usage information
Our website may also use cookies and similar technologies.
Cookies may help us:
- Keep parts of the website functioning
- Improve website performance
- Understand website usage
- Remember certain preferences
- Measure website traffic
- Understand the effectiveness of online marketing
You can manage cookies through your browser settings.
If you disable certain cookies, some parts of the website may not function as intended.
15. Website Analytics and Third-Party Technologies
We may use third-party analytics, advertising or website technologies to understand how visitors use our website and to improve our online services.
Depending on the technologies used, these services may collect information such as:
- Device information
- Browser information
- Website activity
- Pages visited
- General location information
- Referral information
- Interaction with online advertising
Third-party providers may handle this information according to their own terms and privacy policies.
16. Marketing Communications
Where it is allowed by law, we might use your contact details in order to send you stuff about our services, some updates, financial information, or other communications that could be helpful for you.
You can decide not to receive marketing communications from us.
If you get a marketing email, you can usually unsubscribe by using the unsubscribe option that’s shown in the message itself.
You can also reach out to us directly and ask us to stop sending marketing communications.
If you choose not to receive marketing communications, it won’t stop us from contacting you about something already underway, like an enquiry, an application, an appointment, a financial advice service, or any other related matter that is connected with your relationship with us.
17. Protecting Your Personal Information
We take reasonable steps to protect personal information from:
- Loss
- Unauthorised access
- Unauthorised disclosure
- Misuse
- Alteration
- Destruction
The safeguards we use may include appropriate technical, organisational and administrative measures.
However, no website, online service or electronic method of communication can be guaranteed to be completely secure.
When sending sensitive information to us electronically, you should take reasonable care to use appropriate communication channels.
18. Privacy Breaches
If we become aware of a privacy or security incident involving personal information, we will, sort of assess the incident and take reasonable steps to contain it, and address it.
Where the Privacy Act 2020 requires it, we will notify the relevant individuals and/or the Office of the Privacy Commissioner about a notifiable privacy breach.
We might also take reasonable measures to reduce the likelihood of a similar incident happening again, later.
19. How Long We Keep Information
We retain personal information only for as long as we reasonably need it for the purposes for which it was collected, to provide our services, manage our relationship with you, or meet applicable legal, regulatory and record-keeping requirements.
The length of time information is retained will depend on the type of information and the circumstances.
When personal information is no longer required and there is no lawful reason to retain it, we will take reasonable steps to securely delete, destroy or de-identify it.
20. Your Right to Access Your Information
You generally have the right to ask if we keep personal information about you, and you can request access to that information, with the usual exceptions that the law provides.
Before we share personal information with you, we might need to verify your identity first.
This is a significant security move meant to help prevent someone else from getting your details, sort of out of the blue.
If you want to request access to your information, please reach out to us using the information in the Contact Us section just below
21. Your Right to Correct Your Information
We aim to keep the personal information that we hold for you, accurate complete, and properly up to date.
If you think the information we have about you is incorrect, incomplete, or kind of misleading, you can ask us to correct it.
If we agree that the correction is the right thing to do, and we’re reasonably able to make the change, we will update the information.
If we don’t make a requested correction, we will handle your request under the Privacy Act 2020, which includes, where it makes sense, noting the correction you asked for.
22. Making an Access or Correction Request
To request access to your personal information or ask us to correct information, please contact us at:
Email: info@rightchoicefinance.co.nz
Please include:
- Your full name
- Your contact details
- Enough information to identify the information you are requesting
- Details of any correction you are seeking
We may request reasonable evidence of your identity before processing your request.
Under the Privacy Act 2020, privacy requests are generally required to be responded to within 20 working days, subject to applicable extensions, exceptions or refusal grounds.
23. Privacy Complaints
We want you to feel confident about the way we handle your personal information.
If you have a concern about our collection, use, storage or disclosure of your personal information, please contact us first.
When making a privacy complaint, please provide:
- Your name
- Your contact details
- Details of your concern
- Any relevant information or documents
- The outcome you are seeking
We will review your concern and respond within a reasonable timeframe.
If you are not satisfied with how we have handled your complaint, you can contact the Office of the Privacy Commissioner of New Zealand.
You can find further information about privacy rights and complaints on the Office of the Privacy Commissioner’s website.
24. Third-Party Websites
Our website might have links to other websites, including sites run by lenders, insurers, product providers, or other organisations. Those places are not controlled by Right Choice Finance, so they can follow different privacy policies and ways of doing things.
Once you click away from our site, we do not take responsibility for the privacy, security, or content on that other website. In other words, it’s outside our reach.
We suggest that you read the privacy policy of any third party website before you share personal information, just to be safe.
25. Information About Other People
You may sometimes provide us with personal information about another person, such as:
- A partner
- Joint applicant
- Family member
- Guarantor
- Director or shareholder
- Another person involved in a financial application
If you provide information about another person, you should have appropriate authority to provide that information where required.
We may take reasonable steps to ensure that personal information provided about another person is handled in accordance with applicable privacy requirements.
26. Information You Choose Not to Provide
Where we request personal information, you may choose not to provide it unless the information is required by law or is reasonably necessary for a service you have requested.
However, if you do not provide information that is reasonably necessary, we may not be able to:
- Provide financial advice
- Assess your circumstances
- Arrange a financial product
- Progress an application
- Complete identity or verification checks
- Provide a particular service you have requested
We will explain where information is reasonably necessary for a particular service.
27. Privacy and Financial Advice Records
As a financial advice provider, we might have to keep records about the advice we gave, the applications submitted, communications, and other things that happen in our business.
So some details may need to be held for longer than what would normally be needed for everyday customer contact.
Where keeping the information is required by law, or by the regulatory rules that apply to us, we will keep it for the period that is required.
28. Changes to This Privacy Policy
We may update this Privacy Policy from time to time.
Changes may be made if:
- Our services change
- Our website or technology changes
- Our information-handling practices change
- Legal or regulatory requirements change
- We identify improvements to the way we explain our privacy practices
When we update this Privacy Policy, the latest version will be published on our website and the Last Updated date will be changed.
We recommend reviewing this page periodically.
29. Contact Us
If you have questions about this Privacy Policy, want to request access to your information, want to request a correction, or wish to raise a privacy concern, please contact us.
Right Choice Financial Limited
Trading as: Right Choice Finance
Company FSP: FSP1011591
Address:
Ground Floor, 39 Bishop Dunn Place
Botany, Auckland 2013
New Zealand
Email: info@rightchoicefinance.co.nz
Phone: 027 509 0203
Website: https://rightchoicefinance.co.nz/
30. Privacy Policy Version
Policy: Privacy Policy
Business: Right Choice Financial Limited trading as Right Choice Finance
Company FSP: FSP1011591
Last Updated: 8 August 2026
This Privacy Policy should be read together with any other applicable terms, disclosures and notices published by Right Choice Finance.