1. Our commitment to protect your privacy

Hamaka Trading Limited, trading as Nsure, is committed to protecting your personal information. This document sets out our commitment regarding the personal information we collect and hold. We abide by the Information Privacy Principles (IPPs) set out in the Privacy Act 2020 (including all subsequent amendments such as IPP 3A) and all other applicable laws.

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2. Who are we?

References in this Privacy Policy to “we", “us” and “our” refers to:

Hamaka Trading Limited (trading as Nsure)
Registered Office:  109 South Street, Feilding 4702, New Zealand
Contact Email:  rocky@nsure.co.nz

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3. Your authorisation

By providing us with personal information, engaging us to provide services, or by using our website, you consent to the collection, use, storage, and disclosure of personal information in accordance with this Privacy Policy.

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4. Changes to our Privacy Policy

We may change our Privacy Policy from time to time by publishing an updated version on this page. By continuing to engage us or use our website, you accept the updated Privacy Policy.

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5. What personal information do we collect?

Personal information refers to information that identifies you. This includes your name, date of birth, address, contact details, account details, and occupation. To provide financial advice, we may also collect sensitive information regarding your financial situation, goals, and health history to recommend mortgage and insurance products (“Products”).

 

6. Why do we collect your personal information?

We collect your information for the following purposes:

• Service Delivery: Responding to inquiries and providing financial advice.

• Compliance: Meeting our legal obligations under the Financial Markets Conduct Act 2013 and AML/CFT legislation.

• Marketing: Sending communications about products or services of interest (you may opt out at any time).

• Research: Conducting market research to improve our service.

 

7. How do we collect your personal information?

Direct Collection: Generally, we collect information directly from you via our website, "contact us" forms, or direct conversations.

Indirect Collection: We may also collect personal information from third parties. When we do so, we will notify you as soon as practicable. Sources may include:

• Credit reporting agencies.

• With your authorization: Banks, employers, and medical professionals.

• Product Providers (Lenders/Insurers) regarding your loan balance or premiums for commission and service purposes.

• Publicly available sources.

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8. Updating your personal information

We rely on you to ensure your information is accurate. Please contact us as soon as possible if your details change.

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9. Who do we disclose your personal information to?

We may disclose your information to the following parties for the purposes described in Section 6:

• Product Providers: Prospective lenders, insurers, underwriters, and intermediaries required to secure your finance or insurance.

• Service Providers: Contractors, IT providers, and CRM platforms that support our business operations.

• Regulatory Bodies: Government agencies or regulators where we are legally required to share information.

• Professional Advisers: Our auditors and legal advisers to ensure our advice meets regulatory standards.

• Credit Agencies: To perform credit checks or identity verification.

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10. Overseas disclosure and Cloud Storage

We use cloud storage providers (such as Microsoft 365 or Google Workspace) to store your personal information. These servers may be located outside of New Zealand. We take reasonable steps to ensure that any overseas recipient is required to protect your information in a way that, overall, provides comparable safeguards to those in the New Zealand Privacy Act.

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11. Our Website

• Cookies: We use cookies to track website usage and improve user experience. While cookies do not typically collect personal information, if you submit your name/email, we may link that data to your usage history.

• Security: Information transmitted over the internet is at your own risk. We cannot guarantee the security of data during transmission.

• Third-Party Links: We are not responsible for the privacy practices of third-party websites linked on our page.

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12. Voluntary disclosure and consequences

Providing personal information to us is voluntary. However, if you choose not to provide the requested information:

• We may be unable to provide you with financial advice.

• Lenders or insurers may decline your applications for Products.

• We may be unable to verify your identity as required by law.

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13. Access and correction to your personal information

Under the Privacy Act, you have the right to access and request the correction of any personal information we hold about you. You can do this by contacting our Privacy Officer at the details listed in Section 2. We will process these requests in accordance with the timelines set out in the Privacy Act.

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14. Further information

If you have any questions regarding this policy or how we handle your data, please contact us directly.