Privacy policy

About this policy

We value your privacy and are committed to ensuring your personal information remains confidential.

This privacy policy applies to anyone who visits our website, uses our services, or interacts with us – this is your informed consent that you authorise us to collect, store and use your personal information according to this privacy policy. If you do not agree with our privacy policy or do not want us to collect your personal information, then please discontinue your use of our website, services, or any interaction with us. If you at any point withdraw your consent, we will stop collecting your personal information, but we may not be able to continue providing some or all our services to you.

From time to time, we may change this privacy policy and will post the changes on our website.

The statement below is a summary of the policies employed by Liberty Financial.

What personally identifiable information do we collect?

If you contact Liberty Financial, we will keep a record of that communication either electronically or in hard copy. When you make an enquiry through our website, we will collect your name and contact details. If you apply for financial services, we will collect the information necessary for your application. When you apply for credit, we will collect employment, financial and lifestyle information from you. We may also share information about you with credit reporting agencies that relates to your creditworthiness.

We may be legally required to collect your personal information

The law sometimes requires us to collect your information. For example, if you apply for financial services, we may need to collect your personal information under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 to prove your identity and confirm your tax residency status under tax legislation.

How do we use your personal information?

We will only use your personal information for the purposes that we collected it and in accordance with this privacy policy. We generally use your personal information for the purpose of processing your application for our financial services, for delivering those services to you, and if needed, enforcing your agreements with us.

If you provide your details when downloading one of our online guides or completing any form on the Liberty Financial website, we will enter your information into our marketing database. We will use this information to contact you about our services – directly in the case of a term deposit investment and via an accredited broker in relation to our credit products. You can choose to opt-out of receiving marketing communications from us by clicking on the ‘unsubscribe’ link in our email communication to you.

We may also use information you provide via our surveys and competitions for research and marketing purposes. If you do not provide the information requested, we may not be able to assist you with your enquiry or provide our products and services.

What are cookies and do we use them?

A cookie is a small amount of data sent to your browser from a web server and stored on your device. Liberty Financial uses cookies for a variety of purposes including, but not limited to, enabling more efficient navigation while you are using our site.

Who do we share your information with?

Liberty Financial will not disclose any of your personally identifiable information except with your permission or to companies related to or providing services to Liberty Financial, or when we are legally required to under New Zealand law.

Can you update, correct, or delete your personally identifiable information?

You may access the personal information Liberty Financial holds on you by contacting us via mail, phone or email, please refer to the "How to contact us" section below. Your information can be updated, corrected and in some cases deleted at your request at any time. The Privacy Act 2020 places some limits on these rights.

How do we protect your information?

We take steps to protect personal information from misuse, interference, loss and unauthorised access. These steps include physical security, such as locks and access control to our premises, and computer security – including requiring passwords and other security measures for accessing our systems and databases. We also have information security policies that our staff and business partners must follow.

You can help us keep your information secure by ensuring any password you use to access our systems is kept strictly confidential and by logging off when you finish using a shared computer. We will not be responsible for any access or change made to your personal information occurring as a result of you disclosing your password to a third party or through any unauthorised access.

How long do we keep your personal information

We will not retain your personal information for longer than is required for the purposes for which the information may lawfully be used or for the purpose of discharging our obligations under relevant applicable legislation.

Making a complaint

We’re committed to providing our customers with great service. So, if our service doesn't meet your expectations, we want to know.

In most cases, we can resolve your complaint on the spot. If this is not possible, we will send you a letter to acknowledge your complaint and let you know when we expect to provide a resolution.

If you are not satisfied with our response or with the result of our investigation, you can seek assistance from an independent external dispute resolution service. This is provided by the Office of the Privacy Commissioner (OPC).

How to contact us

Attn: Privacy Officer

PO Box 4295
Shortland Street
Auckland 1140
0800 003 391
privacy@libfin.co.nz

How to contact the OPC

PO Box 10 094
Wellington 6143
0800 803 909
enquiries@privacy.org.nz
www.privacy.org.nz

Updated: 23 May 2023