Life Protector Limited ("we", "us", "our") is committed to protecting your privacy and managing your personal information in accordance with the Privacy Act 2020 (New Zealand), the Financial Markets Authority (FMA) requirements, and other applicable laws and regulations.
This Privacy Policy explains how we collect, use, disclose, store, and protect your personal information when you use our services, visit our website, or interact with us.
Our Commitment
As a financial services provider operating in New Zealand, we adhere to the highest standards of privacy protection and comply with all FMA requirements for handling client information.
We collect and use your personal information for the following purposes:
Process loan applications, assess creditworthiness, and provide financial advice and services
Comply with Anti-Money Laundering (AML) and Know Your Customer (KYC) requirements
Meet regulatory obligations under FMA, Responsible Lending Code, and other NZ laws
Contact you about your application, services, updates, and respond to inquiries
Conduct credit checks, fraud prevention, and risk management assessments
Improve our services, website functionality, and customer experience
Send promotional materials about products and services you may be interested in
Establish, exercise, or defend legal claims and resolve disputes
We process your personal information based on:
We may disclose your personal information to third parties in the following circumstances:
Third-party service providers who assist with verification services, IT support, data storage, payment processing, marketing services, and professional advisors (lawyers, accountants, auditors).
Financial Markets Authority (FMA), Commerce Commission, Inland Revenue Department (IRD), Police, and other regulatory bodies when required by law or to comply with legal obligations including AML/CFT requirements.
When arranging insurance products as part of loan services, we may share relevant information with insurance companies to provide quotes and process applications.
In the event of a merger, acquisition, sale of assets, or business reorganization, your personal information may be transferred to the new entity, subject to the same privacy protections.
Important Notice
We never sell your personal information to third parties for marketing purposes. All third-party disclosures are made with appropriate confidentiality agreements and comply with New Zealand privacy laws.
We implement robust security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction:
SSL/TLS encryption for data transmission and encrypted storage for sensitive information
Strict access controls ensuring only authorized personnel can access your information
Firewalls, intrusion detection systems, and secure data centers in New Zealand
Ongoing security assessments, vulnerability testing, and compliance reviews
Regular privacy and security training for all employees handling personal data
Regular encrypted backups with disaster recovery procedures in place
While we take extensive measures to protect your information, no system is 100% secure. We encourage you to use strong passwords and protect your login credentials.
Under the Privacy Act 2020, you have the following rights regarding your personal information:
Request access to the personal information we hold about you, including how we collected it and who we've shared it with.
Request correction of inaccurate, incomplete, or out-of-date personal information we hold about you.
Object to certain types of processing, including direct marketing. You can opt-out of marketing communications at any time.
Request deletion of your personal information, subject to legal and regulatory retention requirements (e.g., financial records must be kept for 7 years).
Request a copy of your personal information in a commonly used, machine-readable format for transfer to another service provider.
Lodge a complaint with us or with the Office of the Privacy Commissioner if you believe your privacy rights have been breached.
To exercise any of these rights, please contact us using the details below:
Email: [email protected]
Phone: 021 886 846
Response Time: We will respond to your request within 20 working days, as required by the Privacy Act 2020
We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy and comply with legal obligations:
Retained for the duration of our business relationship plus 7 years after account closure (as required by financial services regulations)
Minimum 7 years from the end of the financial year they relate to (IRD requirement)
Retained for up to 2 years for regulatory compliance and potential re-application
Retained until you withdraw consent, plus a reasonable period to process your opt-out request
After the retention period expires, we securely delete or anonymize your personal information in accordance with industry best practices.
We use cookies and similar tracking technologies to improve your website experience, analyze usage, and provide personalized content. Cookies are small text files stored on your device.
Required for website functionality, security, and user authentication. Cannot be disabled.
Help us understand how visitors use our site to improve performance and user experience.
Track your browsing to display relevant ads. Require your consent and can be disabled.
Manage Your Preferences: You can control cookies through your browser settings. Note that disabling certain cookies may affect website functionality.
Our website may contain links to third-party websites, including lenders, credit bureaus, and partner services. We are not responsible for the privacy practices or content of these external sites.
Recommendation: Please review the privacy policies of any third-party websites before providing your personal information.
Your personal information is primarily stored and processed within New Zealand. However, some of our service providers may be located overseas, including:
Protection Measures: We ensure that overseas recipients comply with New Zealand privacy standards through contractual agreements, and only work with providers in countries with adequate data protection laws.
Our services are intended for individuals aged 18 years and older. We do not knowingly collect personal information from children under 18 without parental consent.
If you believe we have inadvertently collected information from a minor, please contact us immediately so we can delete it.
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or business operations.
Notification: We will notify you of material changes via email or prominent notice on our website
Effective Date: The "Last Updated" date at the top of this page shows when changes were made
Continued Use: Your continued use of our services after changes constitutes acceptance of the updated policy
We recommend reviewing this Privacy Policy periodically to stay informed about how we protect your information.
We're here to help. Contact us using any of the methods below.
Life Protector Limited
New Zealand Registered Company
For all privacy-related inquiries and requests
For privacy complaints, you may also contact the Office of the Privacy Commissioner at www.privacy.org.nz
Life Protector Limited is committed to compliance with:
Privacy Act 2020
New Zealand privacy legislation
FMA Requirements
Financial Markets Authority standards
AML/CFT Act 2009
Anti-Money Laundering obligations
Responsible Lending Code
Fair lending practices
Credit Reporting Privacy Code
Credit information handling
Fair Trading Act 1986
Consumer protection standards
We are committed to maintaining the highest standards of privacy protection and transparency. Your trust is essential to our business, and we take our responsibility to protect your personal information seriously.