Privacy Policy & Terms and Conditions

​

Penguin Financial Services limited operates as penguinfinance.co.nz. It is Penguin Finance's policy to respect your privacy regarding any information we may collect while operating our website. The contents of this website are for informational and referential purposes only and contents should be considered for the guidance of specific financial products. We recommend you always seek independent financial advice to suit your individual situation.

To the extent permitted by law, penguinfinance.co.nz will not be liable for any indirect or consequential loss or damage from the display or use of website content. Penguin Finance will make no warrant that the functionality of the website will be uninterrupted or error-free and will not be liable for any error or omissions in the information provided on the website.

 

You agree to indemnify and hold penguinfinance.co.nz and its employees harmless from and against all liabilities, legal fees, damages, losses, costs and other expenses in relation to any claims or actions brought against penguinfinance.co.nz arising out of any breach by you of the terms and conditions and other liabilities arising out of your use of this website. These terms and conditions shall be governed by and construed in accordance with the law of New Zealand and you hereby submit to the exclusive jurisdiction of the New Zealand courts. Penguin Financial Services complies with the Privacy Act 2020, which sets out how we must collect, store, disclose, and give access to personal information.

 

Website Visitors

​

This website www.penguinfinance.co.nz is owned and operated by Penguin Financial Services Ltd., Auckland, New Zealand. All the digital platforms of the company like the Penguin Finance Website, social media pages and others that may be added in the future are all committed to ensuring the privacy of your information.

 

How We Collect Your Information We gather the following information about the users of Penguinfinance.co.nz and its digital platforms:

 

• Personal information provided by the users of their own wish when they complete the online query, enter any survey/feedbacks or competition, or engage in the webchat or texts.

• The type of personal information that we collect will depend on the purpose for which it is collected, and may include: Contact information (name, address, email, phone no), documents required to verify identity (Passport or Drivers licence), financial information (IRD no, tax status, income sources), security information (residential property, vehicle details, personal assets), and employment information.

• By accessing Penguinfinance.co.nz our digital platform identifies the computer device or browser used to access the information and how you use them including IP address, device, browsers and operating system identifiers. If you do not wish to allow cookies you may change your browser setting to disable cookies.

• We also collect information related to the date and time of the visit and the pages you are visiting on penguinfinance.co.nz.
   

Indirect Collection of Personal Information In addition to collecting information directly from you, we also authorise the collection of personal information about you indirectly from third parties. This includes, but is not restricted to, credit reporting agencies, government agencies, regulatory authorities, banks, and employers.
 

Product Provider Collection Notice Personal information about you is also being collected by the following product providers:
 

• ANZ: www.anz.co.nz

• ASB: www.asb.co.nz

• BNZ: www.bnz.co.nz

• Westpac: www.westpac.co.nz

• SBS Bank: www.sbsbank.co.nz

• The Cooperative Bank: www.co-operativebank.co.nz

• Heartland Bank: www.heartland.co.nz

• AIA / AIA Go Home Loans: www.aia.co.nz

• Prospa: www.prospa.co.nz

• NZCU Baywide: https://unitymoney.co.nz/

• First Mortgage Trust: www.fmt.co.nz

• Avanti Finance: www.avantifinance.co.nz

• Liberty Finance: www.libfin.co.nz

• DBR Limited: www.dbrlimited.co.nz/

• Kiwibank: www.kiwibank.co.nz

• Pepper Money: www.peppermoney.co.nz

• Partners Life: www.partnerslife.co.nz

• Fidelity Life: www.fidelitylife.co.nz

• Chubb: www.chubb.com/nz

• nib: www.nib.co.nz

• Asteron Life: www.asteronlife.co.nz
   

Purpose of Collection
 

The various information collected (both directly and indirectly) can be used towards processing your application form, a product or service, or to answer your query. It is also used to customise the advertising to make it more relevant to your requirements.
 

Furthermore, information collected by lenders and product providers will be used to assess, process, administer, and manage your application for financial products and any related services, determine your eligibility, meet contractual obligations, and manage the product for its duration.

Providing this information is necessary for the lender to consider your application. If the required information is not provided, your application may be declined or delayed.
 

Disclosure of Information
 

For us to enhance our relationship with you, we may use your information by offering relevant products and services appropriate to your needs, and it is at your discretion to take those offers. The gathered information can be shared for surveys or with advertisers and other partners, assuring you that none of the information will be sold and no personal information about you will be given to any third party outside Penguin Finance without reason.

To implement advice and manage your application, personal and business information may be disclosed to:
 

• Product providers (lenders or insurers).

• Professionals such as solicitors, accountants, insurance advisers and/or valuers when a referral is made at your request.

• Other financial institutions and organisations at their request if you seek to obtain products and/or services from them.

• The Financial Markets Authority, dispute resolution schemes and/or independent compliance reviewers as required for monitoring or compliance purposes.

• Our Professional Indemnity insurer in the event of a complaint.

• Lawyers and other professionals, and our insurers (and their advisers), in connection with defending, protecting and/or enforcing our legal rights and interests including defending a complaint, claim or other action.

• Any prospective purchaser of the business, if we sell the Financial Advice business.

• We may also pass your information on when required or otherwise permitted by law (e.g., under Court Orders or Statutory Notices pursuant to taxation laws).
   

Digital Marketing and Google Analytics
 

Penguin Finance uses third parties to do online display of ads on websites including Google. These third-party advertising companies may use cookies as well to track and target advertising based on customer browsing history. You may opt out of these third-party cookies by following the link for Network Advertising Initiatives: http://optout.networkadvertising.org.
 

We use Google Analytics, which is website measurement software, to improve the website’s performance and help in initiating marketing options. The information related to website users using the information on penguinfinance.co.nz is gathered by Google Analytics to provide us with information which eventually will help in the detailed understanding of our public website users, and there are no individual visitors identified. The Google privacy policy link helps us in further understanding the same: https://policies.google.com/privacy.
 

Additional Information
 

Penguin Finance is not responsible for the contents of the websites that our digital platform is accessing. The links provided are only for your convenience and do not declare that we endorse the products offered by those site owners. Please be assured that your information will never be shared with third parties unless you give us permission to do so, or it falls under the disclosures outlined above.
 

If at any time you wish to have access to, or correct any of, the personal information obtained with your permission, please contact us. Your personal information held by lenders will be handled in accordance with their respective privacy policies, which explain how you can request access to, and correction of, your information.
 

Privacy Policy Changes
 

Although most changes are likely to be minor, Penguin Finance may change its privacy policy from time to time, and at Penguin Finance's sole discretion. We undertake to advise you of material changes to any of the items or products/services noted above via email and/or via post. We encourage visitors to frequently check this page for any changes to its privacy policy.