Privacy Notice

We value your privacy and take every step to ensure your information remains confidential.

This privacy policy applies to anyone who visits our website, uses our services, or interacts with us – this is your informed consent that you authorise us to collect, store and use your personal information according to this privacy policy. If you do not agree with our privacy policy or do not want us to collect your personal information, then please discontinue your use of our website, services, or any interaction with us. If you at any point withdraw your consent, we will stop collecting your personal information, but we may not be able to continue providing some or all our services to you.

From time to time, we may change this privacy policy and will post the changes on our website.

The statement below is a summary of the policies employed by Mike Pero (New Zealand) Ltd and Mike Pero Mortgages Ltd, our Authorised Bodies, and our Advisers (together ‘Mike Pero’), including how we comply with the Privacy Act 2020 and its amendments, including Information Privacy Principle 3A (IPP3A).

What personally identifiable information does Mike Pero collect from me?

If you contact Mike Pero, we will keep a record of that communication. For example, Mike Pero occasionally asks clients to complete surveys or invites participation in competitions.

When you make an enquiry through our website, we will collect your name and contact details. If you use our services to apply for a financial service, we will collect the information necessary for your application, which may include employment, financial and lifestyle information.

Information we collect indirectly

In some circumstances, we collect personal information from a source other than directly from you. This is known as indirect collection. When we do this, we will take reasonable steps to ensure you are made aware of the relevant matters set out below, unless an exemption applies.

We may collect personal information indirectly from sources such as but not limited to:

• credit reporting agencies (for example, when assessing your creditworthiness);
• lenders or financial institutions;
• your employer or accountant (for income and employment verification);
• publicly available sources (for example, the Companies Office register or Land Information New Zealand); or
• our referral partners.

When we collect personal information indirectly, we will take reasonable steps to notify you of the fact that your personal information has been collected, the purpose of the collection, who will receive your personal information, our name and contact details, whether the collection is required or authorised by law and your right to access and correct your information. This notification will occur as soon as reasonably practicable after collection, through your Adviser or through a separate notice issued to you.

We may be legally required to collect your personal information

The law sometimes requires us to collect your information. For example, if you apply for financial services, we may need to collect your personal information under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 to prove your identity and confirm your tax residency status under tax legislation.

Where we are legally required to collect information, including where that information is collected indirectly from a third party on our behalf, we will advise you of this and of the relevant legal authority for that collection.

How does Mike Pero use your personal information?

We will only use your personal information for the purpose of assisting you with obtaining or enquiring about finance, insurance or related products and services and in accordance with this privacy policy. We generally use your personal information for the purpose of making an application for finance, insurance or related products on your behalf and for delivering our services to you.

If you provide your details directly to us or when downloading one of our online guides or completing any form on the Mike Pero website, we will enter your information into our marketing database and use this information to contact you about our services. You can choose to opt-out of receiving marketing communications from us by clicking the ‘unsubscribe’ link in our email communication to you. Alternatively, you may tell us at any time that you do not wish to receive any further marketing materials by sending an email to privacy@mikepero.co.nzand we will stop sending you such materials unless you consent to receive them again.

We may also use information that you provide via our surveys and competitions for research and marketing purposes.

What are cookies and does Mike Pero use them?

A cookie is a small amount of data that is sent to your browser from a web server and stored on your device. Mike Pero uses cookies for a variety of purposes including, but not limited to, enabling a more efficient navigation system while you are using our website.

Who do we share your information with?

Mike Pero will not disclose any of your personally identifiable information except when we have your permission or to companies related to or providing services to Mike Pero, or when we are legally required to under New Zealand law. Where we share your personal information with a third party, and that third party then collects further information about you from other sources, that third party may have its own obligations under IPP3A to notify you of that indirect collection. In some cases, we may provide that notification on their behalf, where this is agreed and where our privacy policy or a separate notice to you covers the relevant matters.

We may use any of Equifax New Zealand Information Services and Systems Limited or illion New Zealand Limited as the credit reporting body or bodies from whom we collect and to whom we disclose credit information from time to time. They may be contacted as follows.

You have the right to contact any of these credit reporting bodies and request that they do not use your information for marketing and related purposes. If you reasonably believe that you have been or are likely to be a victim of fraud, you may contact the credit reporting body and request that they do not use or disclose your information.

Do we share your personal information overseas?

We share your information with our service providers who use cloud servers located overseas to store your information, and our related entities overseas who perform operational or administrative services on our behalf.

Countries we may send your personal information to include Australia, India, Philippines, Hong Kong, the United States, the United Kingdom and countries in the European Union. These countries have laws that protect privacy offering similar standards of privacy protection to New Zealand.

If you are considering employment with us, we may share your information to our related entities in New Zealand and/or Australia.

Can you update, correct, or delete your personally identifiable information?

You may access your personal information that Mike Pero holds on you by contacting us via phone, post, or email. Please refer to the “How to contact us” section below. Your information can be updated, corrected and in some cases deleted at your request at any time. The Privacy Act 2020 places some limits on these rights.

This right of access and correction extends to personal information about you that we have collected indirectly. If you believe any information we hold about you is inaccurate, incomplete, or out of date, please contact us using the details below.

How do we protect your personal information?

We take steps to protect personal information from misuse, interference, loss and unauthorised access. These steps include physical security, such as locks and access control to our premises, and computer security – including requiring passwords and other security measures for accessing our systems and databases. We also have information security policies that our staff and business partners must follow.

You can help us keep your information secure by ensuring any password you use to access our systems is kept strictly confidential and by logging off when you finish using a shared computer. We will not be responsible for any access or change made to your personal information occurring as a result of you disclosing your password to a third party or through any unauthorised access.

How long do we keep your personal information?

We will not retain your personal information for longer than is required for the purpose which the information was to be lawfully used or for the purpose of discharging our obligations under relevant applicable legislation.

Making a complaint

We’re committed to providing our customers with great service. So, if our service doesn't meet your expectations, we want to know.

We aim to resolve issues or complaints as quickly as possible. If this is not possible, we'll send you a letter to acknowledge your complaint and let you know when we expect to provide a resolution.

If you’re not satisfied with our response or with the result of our investigation, you can seek assistance from an independent external dispute resolution service. This is provided by the Office of the Privacy Commissioner (OPC).

If your complaint relates to how we have handled your personal information that was collected indirectly, the same complaints process applies. You are also entitled to complain directly to the Office of the Privacy Commissioner at any time.

How to contact us
ATTN: Privacy Officer
PO Box 4295
Shortland Street
Auckland 1150
privacy@mikepero.co.nz
0800 500 123

How to contact the OPC
PO Box 10 094
Wellington 6143
enquiries@privacy.org.nz
www.privacy.org.nz
0800 803 909