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, including how we comply with the Privacy Act 2020 and its amendments, including Information Privacy Principle 3A (IPP3A).

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.

Information we collect indirectly

In some circumstances, we collect your personal information from a source other than directly from you. This is known as indirect collection. Where we do this, we will take reasonable steps to ensure you are made aware of the relevant matters set out below, unless an exception applies.

We may collect personal information indirectly from sources such as:

• your mortgage adviser or financial adviser (accredited Liberty introducers);

• credit reporting agencies (for example, when assessing your creditworthiness);

• other lenders or financial institutions (for example, as part of a refinancing assessment);

• your employer or accountant (for income and employment verification); or

• publicly available sources (for example, the Companies Office register or Land Information New Zealand).

When we collect your personal information indirectly, we will take reasonable steps to notify you of the fact that your personal information has been collected, the purpose of the collection, who will receive your personal information, our name and contact details, whether the collection is required or authorised by law, and your right to access and correct your information. This notification will occur as soon as reasonably practicable after collection, and may be provided, through your adviser, or through a separate notice issued to you.

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.

Where we are legally required to collect information, including where that information is collected indirectly from a third party on our behalf, we will advise you of this and of the relevant legal authority for that collection.

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.

Where we share your personal information with a third party, and that third party then collects further information about you from other sources, that third party may have its own obligations under IPP3A to notify you of that indirect collection. In some cases, we may provide that notification on their behalf, where this is agreed and where our privacy policy or a separate notice to you covers the relevant matters.

We may use any of Equifax New Zealand Information Services and Systems Limited or illion New Zealand Limited as the credit reporting body or bodies from whom we collect and to whom we disclose credit information from time to time. They may be contacted as follows.

You have the right to contact any of these credit reporting bodies and request that they do not use your information for marketing and related purposes. If you reasonably believe that you have been or are likely to be a victim of fraud, you may contact the credit reporting body and request that they do not use or disclose your information.

Do we share your personal information overseas?

We share your information with our service providers who use cloud servers located overseas to store your information, and our related entities overseas who perform operational or administrative services on our behalf.

Countries we may send your personal information to include Australia, India, Hong Kong, the United States, the United Kingdom and countries in the European Union. These countries have laws that protect privacy offering similar standards of privacy protection to New Zealand,

If you are considering employment with us, we may share your information to our related entities in Australia.

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.

This right of access and correction extends to personal information about you that we have collected indirectly. If you believe any information we hold about you is inaccurate, incomplete, or out of date, please contact our Privacy Officer using the details below.

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).

If your complaint relates to how we have handled your personal information that was collected indirectly, the same complaints process applies. You are also entitled to complain directly to the Office of the Privacy Commissioner at any time.

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: 1 May 2026