Privacy statement

Apple Mortgage recognises the importance of protecting your privacy. We comply with our obligations under the Privacy Act 2020 when we handle your personal information.

Information we collect

We collect information about you for the purposes listed below, when you use our website, apply for a home loan, and during our relationship with you. This information may be collected directly from you, or from others (including third party systems). We can also make enquiries with others to verify the information you provide to us.

Our purposes for collection and use

You agree that we can collect and use your information for the following purposes:

• Obtaining and verifying your identity and address
• Checking that you meet our credit criteria and other eligibility requirements
• Opening and operating your accounts
• Providing you with our accounts, products and services, and managing your relationship with us
• Evaluating and improving our customer service
• Protecting and enforcing our rights as part of our relationship with you
• Complying with applicable laws or legal rules
• Market research, data processing and statistical analysis activities
• Letting you know about offers, accounts, products and services that might be of interest to you.

However, if you ask us not to provide you this information we will comply with your request. From time to time we may need to use your information for another purpose associated with a particular product or service. If so we will take reasonable steps to make you aware of that in accordance with the Privacy Act 2020. You authorise us to collect information about you from any person who can provide us with information that relates to a purpose listed above and is necessary for that purpose. This may include any credit reporting agency. We and our loan and insurance suppliers may make enquiries about any information that you provide to us in order to check the accuracy of the information. This may include providing the information to agencies engaged by us to verify customer identities or address information.

Disclosure of personal information

You agree that we can share your information with:

• Anyone who needs it to assist us with the purposes listed above (including third parties in New Zealand and overseas) that provide services to or for us. These third parties may be subject to overseas law or legal rules which require them to disclose your information
• Credit reporting and debt collection agencies
• Agencies engaged by us to verify customer identity or address information
• Organisations conducting market research, data processing and statistical analysis for us
• Guarantors of your obligations to us
• Our/your insurers in relation to money you owe us, or property you give us security over
• Our assignees or potential assignees
• Your previous or current employer(s), to confirm your employment history or income
• Law enforcement authorities, the courts, government agencies, regulatory authorities or third parties, both in New Zealand and overseas, where we believe the disclosure will assist us to comply with any law or legal rules or will assist in the investigation, detection and/or prevention of fraud, money laundering or other criminal offences
• Anyone that we need to contact to carry out your instructions to us (including the recipient of any payment).

We may also disclose information about you to anyone you authorise us to disclose that information to. We may also disclose information about you to others where required by law or legal rules.

You can choose not to provide information to us

If you do not provide information we have requested, you may be unable to obtain or access the accounts, products or services for which the information is required. Please ask us if you are unsure what information is important and how this might affect you.

Storage of information

We can store your information physically or electronically ourselves, or with others contracted to hold the information for us in New Zealand and overseas. We will act reasonably to ensure that your information is protected from unauthorised use or disclosure.

Your rights of access to and correction of information We will do everything reasonable to ensure that the information we hold about you is accurate, although this does depend on you telling us about any changes that mean the information, we hold about you is no longer correct. You may ask us for access to the information we hold about you and, if necessary, request corrections to it. Under the Privacy Act we may charge you for this. If you would like access to the information, we hold about you, please contact us.

Website Disclaimer

General information only:

The information on this website is general in nature and is not intended to be personalised financial advice. You should consult a professional financial adviser before making any financial decisions or taking any action based on the information on this website.

No liability:

Apple Mortgage Limited (FSP 1003525) does not accept any liability for any loss or damage arising from the use of this website. This does not prejudice your statutory rights.

Accuracy of information:

While Apple Mortgage Limited (FSP 1003525) has taken all reasonable care to ensure the information on this website is accurate, errors and omissions may occur. We do not accept any responsibility for any inaccuracy, error or omission in the website’s content, or for any loss caused to anyone from relying on that information. We may change, delete, add to or otherwise amend the information published on this website without notice.

Historical information:

Any reference on this website to historical information and performance of a product or service may not necessarily be a good guide to future performance. You are solely responsible for any loss caused from relying on such information.

New Zealand law:

The statement and terms and conditions applicable to this website are governed and construed in accordance with New Zealand law.

Cybersecurity:

Although we regularly update our cybersecurity and virus protection software, we do not guarantee that our website will be free from viruses or other malicious interference (such as spyware, malware, adware, ransomware, and worms) that can damage your computer system and access your data.

Continuous access:

We do our best to keep this website running smoothly. However, we do not guarantee that access to the website will be uninterrupted. We accept no liability for any loss caused by the website being temporarily unavailable either during its planned maintenance or due to technical or other issues beyond our control.