Privacy Policy

1. Introduction

Boat Financing NZ ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our marine finance comparison services.

2. Information We Collect

2.1 Information You Provide

We may collect information you provide directly to us, including:

• Personal identification information (name, email address, phone number)
• Financial information (income, employment details, credit information)
• Boat preferences and financing requirements
• Communication preferences and feedback

2.2 Information We Collect Automatically

When you visit our website, we may automatically collect:

• IP address and device information
• Browser type and version
• Pages visited and time spent on our site
• Referring website information
• Cookies and similar tracking technologies

3. How We Use Your Information

We use the information we collect to:

• Provide and improve our marine finance comparison services
• Match you with appropriate boat loan lenders
• Communicate with you about loan options and services
• Process applications and facilitate loan approvals
• Analyze website usage and improve user experience
• Comply with legal obligations and prevent fraud
• Send marketing communications (with your consent)

4. Information Sharing and Disclosure

4.1 With Lenders

We share your loan application information with marine finance lenders to obtain quotes and facilitate loan approvals. This is the core function of our service.

4.2 With Service Providers

We may share information with third-party service providers who assist us in operating our website, conducting business, or serving our users.

4.3 Legal Requirements

We may disclose your information if required by law, court order, or government regulation, or to protect our rights or the safety of others.

4.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

5. Data Security

We implement appropriate security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• SSL encryption for data transmission
• Secure servers and data storage
• Regular security assessments
• Limited access to personal information
• Staff training on privacy and security practices

However, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security of your information.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your browsing experience, analyze site traffic, and understand user preferences. You can control cookies through your browser settings, though disabling cookies may affect site functionality.

Types of Cookies We Use:

• Essential Cookies: Necessary for website functionality
• Analytics Cookies: Help us understand how visitors use our site
• Marketing Cookies: Used to deliver relevant advertisements
• Preference Cookies: Remember your settings and preferences

7. Your Privacy Rights

Under New Zealand privacy law, you have the right to:

• Access your personal information
• Correct inaccurate or incomplete information
• Request deletion of your information (subject to legal requirements)
• Withdraw consent for marketing communications
• File a complaint with the Privacy Commissioner

To exercise these rights, please contact us using the information provided in the "Contact Us" section below.

8. Marketing Communications

We may send you marketing communications about marine finance products, industry news, and special offers. You can opt out of these communications at any time by:

• Clicking the unsubscribe link in our emails
• Updating your communication preferences
• Contacting us directly

9. Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. When we no longer need your information, we will securely delete or anonymize it.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

11. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we become aware that we have collected such information, we will take steps to delete it promptly.

12. International Data Transfers

Some of our service providers may be located outside New Zealand. When we transfer your information internationally, we ensure appropriate safeguards are in place to protect your privacy in accordance with New Zealand privacy law.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last updated" date. We encourage you to review this policy periodically for any changes.

14. Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us:

15. Privacy Commissioner

If you have concerns about how we handle your personal information, you can contact the New Zealand Privacy Commissioner: