Introduction

RCMK Limited (we, us, our) complies with the New Zealand Privacy Act 2020 (the Act) when dealing with personal information. Personal information is information about an identifiable individual (a natural person). This policy sets out how we will collect, use, disclose, and protect your personal information.

This policy does not limit or exclude any of your rights under the Act. If you wish to seek further information on the Act, you can contact our Privacy Officer by email at contact@EasyMortgage.co.nz or visit www.privacy.org.nz for further information.

Changes to This Policy

We may change this policy by uploading a revised version onto the website. The change will apply from the date we upload the revised policy.

What is Personal Information?

Personal information is information about an identifiable individual. It includes (but is not limited to):

• Name, address, and contact details
• Date of birth
• Occupations
• Payment details
• Employment history and/or details
• Education and qualifications
• Financial information
• Testimonials and feedback
• Evidence of the source of funds or source of wealth (in some cases)
• Other relevant information

How We Use Your Personal Information

We may use your personal information to:

• Verify your identity
• Provide services and products to you
• Market our services and products, including contacting you electronically (e.g., by call, text, or email)
• Improve our services and products
• Respond to communications from you, including complaints
• Protect and/or enforce our legal rights and interests, including defending any claims
• Comply with legal obligations
• Any other purpose authorized by you or the Act

Disclosing Your Personal Information

We may disclose your personal information to:

• Service providers assisting in our operations (e.g., mailing houses, hosting providers, consultants, and legal advisers)
• Product providers (e.g., lenders and insurance companies)
• Financial advisers and financial advice providers who may use our services
• Compliance review and audit professionals
• Identity verification agencies (e.g., New Zealand Department of Internal Affairs, New Zealand Transport Agency)
• Social media platforms where we have a presence
• Courts, tribunals, and regulatory authorities (e.g., Financial Markets Authority, Ministry of Justice)
• Office of the Ombudsman for complaints related to official information
• Agencies assisting in serious privacy breaches
• The New Zealand Privacy Commissioner for complaints regarding privacy breaches
• The Human Rights Commission for complaints about discrimination
• CERT NZ for assistance with voluntary privacy breach notifications
• Overseas privacy regulators for complaints involving international agencies
• Any other party you authorize us to disclose information to

We will not disclose your personal information without your written or oral consent unless required by law.

Protecting Your Personal Information

We take reasonable steps to protect your personal information from loss, unauthorized access, or misuse. Our software undergoes regular security audits, and all data is encrypted in transit and storage. Access is limited to secure network connections.

Storing Your Personal Information

We will retain personal information only as long as necessary for lawful purposes. All online data is backed up and retrievable in case of loss or corruption.

Some data may be stored on-premises at 96 Te Wharo Drive, Papamoa, if provided to us outside of our software.

Accessing and Correcting Your Personal Information

You have the right to:

• Access your personal information that we hold
• Request a correction to your personal information

We will need to verify your identity before processing any request. If we agree to a correction, we will update our records. If we do not make the correction, we will note that you requested it.

To exercise these rights, email us at contact@EasyMortgage.co.nz with evidence of your identity and details of your request.

Data Breaches

Our Privacy Officer has systems in place to identify, report, and investigate data breaches. If a breach occurs, we will promptly assess and respond to the situation.

Internet Use

We take reasonable steps to maintain secure internet connections. However, providing personal information online is at your own risk.

If you follow a link from our website to another site, that site’s privacy policy will apply. We encourage you to review their policy before providing personal information.

Cookies

We use cookies (small data files stored on your device) to track website usage. You can disable cookies in your browser settings, but some website features may not function properly.

We may also use website activity data to prevent unauthorized access or cyber threats, employing third-party monitoring services where necessary.