Privacy Policy

1) Who we are

HomeEquityRelease.co.nz is operated by [Your NZ legal entity name] (“Controller”).
Contact: privacy@homeequityrelease.co.nz.

2) Information we collect

When you use our website and forms (including the Apply flow and Legal Quiz), we may collect:

• Identity & contact: name, email, phone.
• Eligibility & preferences: age band (e.g., 60–64), home value band, existing mortgage band, location, timeframe, provider preference, legal support stage.
• Consent & communications: your agreement to be contacted and your contact preferences.
• Technical data: IP address, device/browser type, pages viewed, referral URL, and approximate location (from IP).
• Cookies/analytics: cookies and analytics to improve site performance and experience.

We do not ask for bank account numbers, full dates of birth, or identity documents in our initial forms.

3) How we use your information

• Provide our service: match you with reverse mortgage providers and/or independent legal advisers; facilitate quotes/referrals you request.
• Communicate with you: confirmations, updates, and responses to enquiries.
• Improve the site: analyse usage and performance to enhance content and features.
• Legal/compliance: keep required records, handle complaints, prevent misuse/fraud.

Lawful grounds include your consent, providing services you’ve requested, and our legitimate interests in running and improving our service. We do not conduct automated decision-making that produces legal or similarly significant effects.

4) Sharing your information

We never sell your personal information. We may share it with:

• Reverse mortgage providers you ask us to compare or be referred to (e.g., SBS Bank, Heartland Bank) so they can assess eligibility and contact you.
• Independent legal advisers (if you request a legal referral) so they can contact you and provide advice/quotes.
• Service providers: hosting, analytics, email/SMS tools, and customer support systems—only what’s needed to operate our service.
• Compliance/requests: if required by law, regulation, or to protect rights and security.

We share the minimum necessary for the purpose (e.g., contact details, location, high-level eligibility bands rather than precise values).

5) International transfers

Some service providers may process or store data outside New Zealand (e.g., Australia, EU/UK, or the US). Where that occurs, we take reasonable steps to ensure comparable safeguards are in place.

6) Retention

• Active enquiries/referrals: kept while we (or the referred provider/adviser) assist you.
• Inactive leads: typically up to 24 months after last meaningful contact.
• Legal/compliance records: as required by law.

When no longer required, we take reasonable steps to delete or de-identify your data.

7) Your rights

Under the Privacy Act 2020 you can request to access the personal information we hold about you and correct it. You can also withdraw consent (e.g., stop sharing with providers/advisers or opt out of marketing).

To exercise your rights, email privacy@homeequityrelease.co.nz. If you’re not satisfied with our response, you can complain to the Office of the Privacy Commissioner at privacy.org.nz.

8) Marketing & preferences

We’ll only send marketing communications if you’ve consented or as otherwise permitted by law. You can unsubscribe at any time via our messages or by contacting us.

9) Cookies & analytics

We use cookies and similar technologies to remember preferences, understand performance, and measure effectiveness. You can control cookies via your browser settings (blocking some cookies may affect site functionality).

If you use specific tools (e.g., Google Analytics/GA4, Meta Pixel), link to their policies here.

10) Security

We use reasonable technical and organisational measures (e.g., encryption in transit, access controls) to protect your data. No online service is 100% secure, but we work to prevent unauthorised access, use, or disclosure.

11) Third-party sites & logos

Our site may link to third-party websites and display third-party logos for identification. Those sites operate under their own privacy policies—we’re not responsible for their practices.

12) Children

Our services are for adults. We do not knowingly collect personal information from persons under 18.

13) Changes to this policy

We may update this policy from time to time. We’ll post the revised version with a new Effective date. Material changes will be highlighted where appropriate.

14) Contact us

HomeEquityRelease.co.nz
Email: privacy@homeequityrelease.co.nz
Contact form: /contact