Privacy Policy

Cody Subritzky Mortgage Brokers Limited (“us”, “we”, or “our”) operates the https://www.codysubritzky.co.nz website (the “Service”).

This Privacy Policy explains our policies regarding the collection, use, retention, and disclosure of personal information when you use our Service, and the choices you have in relation to that information.

By using our Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, terms have the same meanings as in our Terms and Conditions, accessible at https://www.codysubritzky.co.nz.

Information We Collect and Use

We collect several types of information to provide and improve our Service.

Personal Data

While using our Service, we may ask you to provide certain personally identifiable information (“Personal Data”), which may include but is not limited to:

Email address
First and last name
Phone number
Address (including city, postal code, region)
Cookies and usage data

Usage Data

We may also collect information about how the Service is accessed and used (“Usage Data”). This may include:

IP address
Browser type and version
Pages visited on our Service
Date and time of your visit
Time spent on pages
Device identifiers and diagnostic data

Tracking & Cookies

We use cookies and similar technologies to track activity on our Service and hold certain information. Cookies are small files stored on your device that may include a unique identifier.

You can configure your browser to refuse all cookies or notify you when a cookie is being sent. If you disable cookies, some parts of our Service may not function properly.

Examples of cookies we use:

Session Cookies: To operate our Service
Preference Cookies: To remember your settings and preferences
Security Cookies: For security purposes

Use of Data

Cody Subritzky Mortgage Brokers Limited uses the collected data for purposes including:

Providing and maintaining the Service
Notifying you about changes to the Service
Enabling you to participate in interactive features
Providing customer support
Improving the Service through analysis and insights
Monitoring usage and performance
Detecting, preventing, and addressing technical issues

Transfer of Data

Your information, including Personal Data, may be transferred to and stored on computers outside of your region where privacy laws may differ.

If you are located outside New Zealand and choose to provide information to us, please note that we transfer and process data in New Zealand. By providing information, you consent to this transfer.

We will take all reasonable steps to ensure your data is treated securely and in accordance with this Privacy Policy and the Privacy Act 2020.

Disclosure of Data

We may disclose your Personal Data in good faith if necessary to:

Comply with a legal obligation
Protect and defend the rights or property of Cody Subritzky Mortgage Brokers Limited
Investigate possible wrongdoing in connection with the Service
Protect the safety of users or the public
Protect against legal liability

Security of Data

We are committed to safeguarding your data in line with the Privacy Act 2020. We use commercially acceptable means to protect your Personal Data but cannot guarantee its absolute security.

Data Retention

We retain your personal information only for as long as necessary to:

Provide you with our services
Comply with legal, regulatory, and financial record-keeping obligations (including those required by the Financial Markets Authority, IRD, and other applicable regulators)
Resolve disputes
Enforce our agreements

Where your personal information is no longer required for these purposes, we will securely delete, anonymise, or archive it in accordance with industry best practice and the Privacy Act 2020.

Service Providers

We may employ third-party companies to:

Facilitate our Service
Provide the Service on our behalf
Perform Service-related tasks
Assist with analytics

These third parties have access to your Personal Data only to perform their tasks and must not disclose or use it for other purposes.

Links to Other Sites

Our Service may contain links to third-party sites. We are not responsible for the content or privacy practices of those sites and encourage you to review their privacy policies.

Children’s Privacy

Our Service is not directed to anyone under the age of 18. We do not knowingly collect Personal Data from children. If you are a parent or guardian and believe your child has provided us with Personal Data, please contact us so we can remove it.

Your Privacy Rights

Under the Privacy Act 2020, you have the following rights regarding your personal information:

Right to Access: You may request confirmation of whether we hold personal information about you and access a copy of that information.
Right to Correction: You may request that any personal information we hold about you is corrected if it is inaccurate or incomplete.
Right to Deletion: In certain circumstances, you may request that we delete your personal information (where legally permissible).
Right to Withdraw Consent: If we rely on your consent to process your data, you may withdraw it at any time.

To exercise these rights, please contact us using the details below. We may require verification of your identity before processing your request.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you by posting the new policy on this page and updating the “effective date” at the top. In some cases, we may also notify you by email or through a prominent notice on our Service.

We encourage you to review this Privacy Policy periodically for changes.

If you have any questions about this Privacy Policy, or wish to exercise your privacy rights, you can contact us at:

Email: cody@codysubritzky.co.nz