Privacy Policy – Protection Partners – Reverse Mortgage Referral Service

This Privacy Policy sets out how Protection Partners Limited (NZCN 9414907) collects, uses, discloses, stores, and protects your personal information, in accordance with the Privacy Act 2020.

Nothing in this policy limits or excludes any rights you have under the Privacy Act 2020. For further information, please visit www.privacy.org.nz.

How We Collect Your Personal Information

We may collect personal information about you in the following ways:

Directly from you: When you use our online borrowing calculator, complete our pre-consultation questionnaire, book a consultation, or communicate with us by phone, email, or text message.

From third parties: Where you have authorised this, where it is publicly available, or where otherwise permitted by law.

Information We May Collect

The types of personal information we may collect include:

Your name, address, and contact details

Date of birth

Property details and estimated values

Financial information relevant to your enquiry

Identification documents where required for AML compliance

Device and usage information collected indirectly through our website

Any other information reasonably required to provide our services or comply with legal obligations

You are not required to provide personal information to us. However, if you choose not to, we may be unable to respond to your enquiry or provide services.

Why We Use Your Personal Information

We collect and use your personal information for purposes including:

Responding to your enquiry and facilitating your consultation

Referring your details to Heartland Bank where you have requested or consented to this

Providing financial advice services where engaged to do so

Verifying your identity where required

Complying with legal and regulatory obligations, including AML requirements

Improving our services and website

Communicating with you about our services

Managing complaints

Protecting and enforcing our legal rights and interests

Any other purpose authorised by you or permitted by law

Sharing Your Personal Information

We may share your personal information with:

Heartland Bank, where you have requested or consented to a reverse mortgage referral

Stafford Wealth Management Limited, with whom we have a referral relationship. Where we refer your details to Stafford Wealth Management Limited, they may contact you to discuss your financial situation or provide financial advice services. Stafford Wealth Management Limited will invoice Heartland Bank or the relevant referral partner for any referral fee or commission, and Protection Partners Limited receives a portion of that fee as a marketing and referral fee. This arrangement does not affect the cost of any product or service you receive.

Service providers who assist us in delivering our services, including IT and system providers

Regulatory authorities where disclosure is required or authorised by law

Any other person or organisation as permitted or required by law

By submitting your details through this website, you acknowledge that we may provide your personal information to Heartland Bank and/or Stafford Wealth Management Limited for the purposes described above.

Protecting Your Personal Information

We take reasonable technical and organisational measures to safeguard your personal information from loss, misuse, unauthorised access, disclosure, or alteration.

Accessing and Correcting Your Information

You have the right to request access to the personal information we hold about you and to request corrections, subject to the grounds for refusal permitted under the Privacy Act 2020.

To request access or correction, please contact us at:

george.salter@protectionpartners.co.nz

Please include proof of your identity and details of your request. We may charge reasonable costs for providing copies of personal information.

Cookies

We use cookies to monitor website usage and improve user experience. You can disable cookies through your browser settings; however, doing so may limit certain website functionality.

Contact Us

If you have any questions or concerns about this Privacy Policy or how we handle your personal information, please contact:

Protection Partners Limited Email: george.salter@protectionpartners.co.nz

Last updated: May 2026