Privacy Policy

Dayone Consulting Limited, trading as Day One Mortgages & Insurance (“Day One Mortgages”, “we”, “us”, or “our”), is committed to protecting your privacy and handling your personal information in accordance with the New Zealand Privacy Act 2020 (“Privacy Act”).

Introduction

This Privacy Policy explains how we collect, use, store, disclose, and protect your personal information when you engage with our services or use our website.

Nothing in this policy limits your rights under the Privacy Act 2020. For more information about privacy rights in New Zealand, please visit Office of the Privacy Commissioner or contact our Privacy Officer at [email protected].

Updates to this Privacy Policy

We may amend or update this Privacy Policy from time to time by publishing a revised version on our website. Any changes will take effect from the date the updated policy is published.

What is Personal Information?

“Personal information” refers to any information relating to an identifiable individual. This may include, but is not limited to:

full name
residential or postal address
contact details
date of birth
employment details and history
financial information
payment details
educational background and qualifications
identification documents
source of funds or wealth information (where required)
testimonials, feedback, or communications with us

Collection of Personal Information

We may collect personal information directly from you or from authorised third parties where necessary to provide our services.

Where personal information is collected from a third party, we will take reasonable steps to notify you in accordance with the Privacy Act 2020, unless an exception under the Act applies.

How We Use Your Information

We may use your personal information for purposes including:

verifying your identity
assessing and arranging lending or insurance services
communicating with you regarding enquiries or applications
providing and improving our services
complying with legal and regulatory obligations
conducting internal administration and record keeping
responding to complaints or disputes
protecting our legal rights and interests
marketing our services, including via phone, SMS, or email (where permitted)
any other purpose authorised by you or permitted by law

Disclosure of Personal Information

We may disclose your personal information to trusted third parties where necessary, including:

lenders, insurers, and product providers
financial advisers and financial advice providers
compliance, audit, and professional service providers
legal advisers and consultants
IT, hosting, cloud storage, and data management providers
government agencies and regulatory authorities
identity verification providers
courts, tribunals, or dispute resolution bodies
agencies involved in investigating or responding to privacy breaches
any other party authorised by you

We will not disclose your personal information to third parties except as outlined above, unless required or permitted by law.

Protection of Personal Information

We take reasonable steps to safeguard personal information against loss, misuse, unauthorised access, disclosure, or alteration.

Our systems utilise secure technologies, including encrypted data transmission and storage, controlled system access, and ongoing security monitoring to help protect your information.

Storage and Retention of Information

We retain personal information only for as long as necessary to fulfil the purposes for which it was collected or as required by law.

Information stored electronically is securely backed up to reduce the risk of loss or corruption.

In some circumstances, documents or records may also be stored securely at our business premises located at E4, 14-22 Triton Drive, Albany, Auckland 0632.

Accessing and Correcting Your Information

You have the right to request access to the personal information we hold about you and to request corrections where appropriate, subject to the provisions of the Privacy Act 2020.

Before processing any request, we may require proof of identity to confirm that the request is being made by the relevant individual.

If you would like to access or correct your personal information, please contact us at:

[email protected]

Please include sufficient details regarding the information or correction requested.

Privacy Breaches

Day One Mortgages maintains procedures and systems designed to identify, assess, and respond to privacy breaches in accordance with applicable legal requirements.

Where required, affected individuals and relevant authorities will be notified as soon as practicable.

Internet Use and Cookies

While we take reasonable measures to maintain secure online systems, the transmission of information over the internet is undertaken at your own risk.

Our website may contain links to external websites. Those websites operate independently and may have their own privacy policies. We recommend reviewing their policies before providing personal information.

We may use cookies and similar technologies to improve website functionality, analyse website traffic, and enhance user experience. You may disable cookies through your browser settings; however, some website features may not function correctly as a result.

We may also use third-party monitoring and security services to help protect our systems and detect unauthorised access or malicious activity. These providers may have limited access to technical and system-related information as required to perform their services.