Privacy statement
Finsol Financial Services comply with the New Zealand Privacy Act 2020 (the Act) when dealing with personal information.
The Privacy Act 2020 gives you the right to request access to your personal information held by Finsol. If you would like to access, correct or change the collected information at any time, please get in touch with our Privacy Officer by email at finsol@finsol.co.nz. Visit www.privacy.org.nz for more details on the Act.
Changes to this policy
We may change this policy by uploading a revised policy. The change will apply from the date that we upload the revised policy (noted at the bottom).
What is personal information?
Personal information is information about an identifiable individual. It includes (but is not limited to) name, address, contact details, date of birth, occupations, payment details, employment history and/or details, education and qualifications, financial information, testimonials and feedback, evidence of source of funds or source of wealth (in some cases) and other information.
When you deal with us, you consent to us using, disclosing and handling your personal information in accordance with this privacy statement. Please note we never pass on your personal information to any third party without your approval.
We collect your personal information so we can:
- to verify your identity
- to provide services and products to you
- to market our services and products to you, including contacting you electronically (e.g. by call, text or email for this purpose)
- to improve the services and products that we provide to you
- to respond to communications from you, including a complaint
- to protect and/or enforce our legal rights and interests, including defending any claim
- for any other purpose authorised by you or the Act.
If you do not provide the information required, it may affect our ability to provide you with our services. You are responsible for supplying us with all relevant information promptly, including all information that may be relevant to an insurer's assessment of a claim or a risk for which you have asked us to arrange insurance cover.
If you misrepresent or fail to disclose information, this could result in your policy being invalidated. In addition, your insurer may not pay any claims under your policy in this instance.
How we store your personal information and keep it secure and confidential.
- We will only retain personal information as long as it is required for the purposes for which the information may lawfully be used. All data stored online is backed up and can be retrieved in the event of data loss or corruption.
- We take all reasonable steps to protect your personal information from any loss, unauthorised access or other misuse.
- All personal information you provide to Finsol is held on file and in the secure SharePoint cloud. We do not keep paper files of any kind.
- Our cloud-based storage, CRM software and email have secure two-factor authentication. Our software is subject to audits to ensure it is continuing to meet security requirements.
- All data handled in our software is encrypted in transit and during storage and can only be accessed over secure network connections.
Disclosure of your personal information.
We respect and protect the privacy of your personal information at all times and only use and disclose it for the purposes we collected it. We may disclose your personal information to:
- other companies or individuals who assist us in providing services or who perform functions on our behalf (such as mailing houses, hosting and data storage providers, specialist consultants and legal advisers);
- Product providers (such as but not limited to lenders and insurance companies);
- Financial advisers and financial advice providers who may use our services;
- other companies or individuals who perform checks (such as but not limited to compliance reviews and audits) that are necessary or desirable under the law on our behalf;
- other companies, agencies or individuals that maintain databases against which your identity may be verified, which may include (but is not limited to) the New Zealand Department of Internal Affairs, and New Zealand Transport Agency;
- courts, tribunals and regulatory authorities (such as the Financial Markets Authority and Ministry of Justice in New Zealand);
- Office of the Ombudsman, where a complaint relates to official information;
- any person or agency we believe could assist in responding to a serious privacy breach.
- Office of the New Zealand Privacy Commissioner, where a complaint relates to breach of the Privacy Act 2020;
- Human Rights Commission, where a complaint relates to discrimination;
- CERT NZ, where appropriate to assist with the management of a voluntarily notified privacy breach
- Overseas privacy regulator, where a complaint relates to the actions of an overseas agency; and
- anyone else to whom you authorise us to disclose it.
- Government, law enforcement or statutory bodies (where required by law) or as otherwise required by law.
Except as described above, we will not disclose your personal information without your written or oral consent unless we are required to do so by applicable law.
How can you access and correct your personal information?
Subject to certain grounds for refusal set out in the Act, you have the right to access your readily retrievable personal information that we hold and to request a correction to your personal information. Before you exercise this right, we will need evidence to confirm that you are the individual to whom the personal information relates.
Please feel free to contact us to request access to or correct the personal information we hold about you. You can contact us by:
• Email: finsol@finsol.co.nz
• Phone: 0800 346 765
• Mail: Privacy Officer, 66 Munroe Street, Napier South, Hawke's Bay 4110
Data Breaches
Our Privacy Officer has processes and systems in place in the unfortunate event of a data breach. If such an event occurs, we will promptly identify, report and examine a personal data breach.
Internet use
While we take reasonable steps to maintain secure internet connections, if you provide us with personal information over the internet, the provision of that information is at your own risk.
If you follow a link on our website to another site, the owner of that site will have its own privacy policy relating to your personal information. We suggest you review that site's privacy policy before providing personal information.
We use cookies (an alphanumeric identifier that we transfer to your computer's hard drive to recognise your browser) to monitor your use of the website. You may disable cookies by changing the settings on your browser, although this may mean that you cannot use all of the website's features.
We may use information about your use of our websites and other IT systems to prevent unauthorised access or attacks on our software. We may utilise services from one or more third party suppliers to monitor use of our systems. These third-party suppliers will have access to monitoring and logging information as well as information processed on our websites and other IT systems.
About this website
The information provided and services described in this website are of a general nature and are not intended to be personalised financial advice.
No warranties
While every effort is made to ensure the information on this website is up-to-date and correct, Finsol makes no representations or warranties of any kind, express or implied, about the accuracy, reliability, completeness, suitability or availability of the website or the information about the products and services provided on the website. The information on this website is subject to change at any time. Finsol is under no obligation to update any information on this website or correct any errors in the information after it is published on the website. Any reference on this website to historical information and performance of a product or service may not necessarily be a good guide to future performance. You are solely responsible for any actions you take or do not take by relying on such information. To the full extent legally allowable the directors, contractors, associates and staff of Finsol expressly disclaim all and any liability and responsibility to any person in respect of anything, and of the consequences of anything, done or omitted to be done by any such person in reliance, whether wholly or partially, upon the whole or any part of the contents of this website. The disclaimers and limitations of liability do not prejudice your rights under the Consumer Guarantees Act 1993, nor are they intended to exclude liability arising under statute.
Liability
To the full extent legally allowable, the directors, contractors, associates and staff of Finsol expressly disclaim all and any liability and responsibility to any person in respect of anything, and of the consequences of anything, done or omitted to be done by any such person in reliance, whether wholly or partially, upon the whole or any part of the contents of this website. The disclaimers and limitations of liability do not prejudice your rights under the Consumer Guarantees Act 1993, nor are they intended to exclude liability arising under statute.
New Zealand jurisdiction
The information published on this website is governed by, and has been prepared to comply with, the New Zealand law. The information is only intended for persons within the New Zealand jurisdiction and is not intended for persons outside the New Zealand jurisdiction. Finsol does not accept responsibility for the compliance of this information with the laws of any other country. The laws of New Zealand shall govern your use of the website and by visiting this website you hereby agree to submit to the exclusive jurisdiction of the New Zealand courts.
Virus protection
Although Finsol regularly updates its virus protection software, it does not warrant that the server that makes the information and contents of this website available is free of viruses or bugs. You acknowledge that it is your responsibility to implement sufficient procedures and virus checks (including anti-virus and other security checks) to satisfy your requirements for the correct display and/or presentation of any material contained on this website.
Linked websites
Through this website you may be able to link to other websites. Finsol has no knowledge of or control over the nature, content, and availability of those websites. Finsol does not sponsor, recommend, or endorse anything contained on these linked websites. Finsol does not accept any liability of any description for any loss suffered by you by relying on anything contained or not contained on these linked websites.
Website availability
Every effort is made to keep the website up and running smoothly. However, Finsol takes no responsibility for, and will not be liable for, any loss you may suffer due to the website being temporarily unavailable either during its planned maintenance or due to technical or other issues beyond our control.
Intellectual property
All materials on this website are protected by copyright and intellectual property laws and are the property of Finsol unless otherwise explicitly stated. The website may also contain several trademarks, logos and symbols which are either owned by Finsol or used with the approval of the Inland Revenue. Nothing on the website should be construed as granting any licence to use any trade mark without the permission of the trade mark owner. Any material on this website that is identified as being subject to copyright of a third party, authorisation to use or reproduce such material must be obtained from that third party. Unless stated otherwise, you may access and download the materials located on this website only for personal, non-commercial use.
This policy was last updated in March 2022.
