Privacy Policy

Privacy Policy

This website is operated by Jai Lucas, Financial Adviser (FSP 1010248), providing mortgage advice under Mortgage Science Limited (FSP 776833).

We comply with the New Zealand Privacy Act 2020 when dealing with personal information. This policy explains how we collect, use, store, disclose, and protect your personal information when you use this website or engage with our services.

What information we collect

We may collect personal information including:

  • Your name, email address, phone number, and contact details
  • Information you provide through contact forms, enquiry forms, or application forms
  • Information about your lending needs, goals, financial position, income, expenses, assets, debts, and personal circumstances
  • Documents or details required to assess borrowing options or support a mortgage application
  • Website usage information such as IP address, browser type, pages visited, and interactions with this website

How we collect information

We collect personal information:

  • Directly from you when you contact us, complete a form, or provide information by phone, email, or online
  • When you begin or complete a mortgage application
  • Through secure application systems used to process your enquiry or application
  • From third parties where you have authorised this, or where it is necessary to provide mortgage advice or assist with your application
  • Automatically through cookies, website analytics, and similar technologies

Why we collect your information

We collect and use your information to:

  • Respond to your enquiry
  • Provide mortgage advice and related services
  • Assess your lending position and borrowing options
  • Submit applications to lenders or product providers on your behalf
  • Communicate with you about your enquiry, application, or ongoing lending needs
  • Meet legal, regulatory, compliance, and record-keeping obligations
  • Improve our website, systems, and services

If you do not provide the information requested, we may not be able to provide advice, assess your lending options, or assist with your application.

Who we may share your information with

We may share your personal information with:

  • Mortgage Science Limited
  • Lenders, banks, non-bank lenders, and other financial product providers
  • Kiwi Adviser Network and secure application or compliance systems used to process your application
  • Credit reporting agencies, valuers, insurers, solicitors, accountants, or other professionals where relevant to your application
  • Technology, CRM, document storage, email, website hosting, and IT service providers
  • Regulators, dispute resolution providers, or other parties where required by law or for compliance purposes

We will only share your information where necessary to provide services, process your application, meet our obligations, or where otherwise permitted or required by law.

Storage and protection of information

We take reasonable steps to protect personal information from loss, misuse, unauthorised access, disclosure, alteration, or destruction.

Your information may be stored using secure electronic systems, cloud-based platforms, and third-party service providers. Some information may be stored or processed outside New Zealand by trusted service providers.

Retention of information

We retain personal information for as long as required to provide services and meet legal, regulatory, compliance, and record-keeping obligations. When information is no longer required, we will take reasonable steps to securely delete or de-identify it.

Cookies and website analytics

This website may use cookies and analytics tools, such as Google Analytics, to understand how visitors use the website and to improve performance and user experience.

You can disable cookies through your browser settings, although some website features may not function properly.

Your rights

You have the right to request access to the personal information we hold about you and to request correction if you believe it is wrong or incomplete.

To make a privacy request, contact: jai@mortgagescience.nz

Third-party websites

This website may contain links to other websites. Those websites have their own privacy practices, and we are not responsible for their content or privacy policies.

Changes to this policy

We may update this Privacy Policy from time to time. The latest version will be available on this website.