Privacy Policy

Zora Mortgages("we", "us", "our") respects your privacy and complies with the New Zealand Privacy Act 2020 when collecting and handling personal information. Personal information is information about an identifiable living person.

This policy explains what we collect, why we collect it, who we share it with, and the choices you have. It does not limit your rights under the Privacy Act. For general guidance on privacy law, visit privacy.org.nz.

We may update this policy from time to time by publishing a revised version on our website. Changes take effect when the updated policy is posted. We encourage you to review this page periodically.

Depending on how you interact with us, we may collect:

• Identity and contact details (name, address, phone, email, date of birth)
• Employment, income, and financial position information
• Property, asset, and liability details
• Loan application and supporting documentation
• Communications with our team (calls, emails, messages, portal notes)
• Website usage data, including cookies and analytics
• Any other information you choose to provide or that we need to give advice

In some cases we collect information from third parties — for example credit checks, employer verification, or documents supplied by your solicitor or accountant. Where required, we will let you know that information has been collected from another source, why it was collected, and your right to access and correct it.

We use personal information to:

• Verify your identity and assess lending eligibility
• Provide mortgage advice and arrange lending on your behalf
• Communicate with you about your application and ongoing loan needs
• Meet legal and regulatory obligations, including FMA and AML requirements
• Improve our services, website, and client experience
• Send relevant updates or marketing where permitted (you may opt out at any time)
• Respond to complaints and protect our legal rights

We may disclose personal information to:

• Lenders and insurers involved in your application
• Professional advisers and referral partners working on your matter
• Technology providers (hosting, CRM, document storage, email, and security tools)
• Identity verification, credit reporting, and compliance service providers
• Regulators such as the Financial Markets Authority, when required by law
• Courts, tribunals, or dispute resolution schemes if a complaint is escalated
• Any other party you authorise us to share information with

We do not sell your personal information. We only disclose information without your consent where the Privacy Act or other law allows or requires it.

Some of our service providers may store or process data outside New Zealand (for example cloud hosting). Where this occurs, we take reasonable steps to ensure your information is protected in line with New Zealand privacy standards.

We use reasonable technical and organisational safeguards to protect personal information from loss, misuse, unauthorised access, or disclosure. Data transmitted through our website and client portal is encrypted in transit, and access is restricted to authorised personnel.

We retain personal information only for as long as needed for the purposes it was collected, including legal and regulatory record-keeping requirements. When information is no longer required, we securely delete or de-identify it where practicable.

You may request access to personal information we hold about you, and ask us to correct it if you believe it is inaccurate, incomplete, or out of date. We may need to verify your identity before responding.

To make a request, email info@zoramortgages.co.nz with sufficient detail for us to locate your records. We will respond within a reasonable timeframe. If we decline a request, we will explain why.

If a privacy breach occurs that is likely to cause serious harm, we will assess the breach promptly and notify affected individuals and the Office of the Privacy Commissioner where required under the Privacy Act.

Our website may use cookies and similar technologies to remember preferences, measure traffic, and improve performance. You can disable cookies in your browser settings, though some features may not work correctly.

While we take care to maintain secure connections, transmitting information over the internet carries inherent risk. Please contact us by phone or in person if you prefer not to send sensitive documents electronically.

Links on our website may take you to third-party sites with their own privacy policies. We are not responsible for the practices of those sites.

For privacy questions, access requests, or concerns about how we handle your information:

Zora Mortgages
Christchurch, Canterbury, New Zealand
Email: info@zoramortgages.co.nz
Phone: 020 407 48057