Disclaimer- Direct / External Links to Online Lending Partners
Any external links to other websites outside of First Rate Mortgages Limited (FRM) and NonBk Limited (NB) domain(s) and websites are provided for convenience and informational purposes only. Please note that when dealing directly with any of the online lending partners (lenders) linked to FRM and NB’s websites, you are dealing directly with such lenders. FRM and NB’s online lending partners may include (but are not necessarily limited to): One Partner, Prospa, HomeSec, and Bizcap. FRM and NB can only provide you with financial advice once you have formally engaged our services and once we have successfully onboarded you as a client and completed an assessment of your personal objectives, financial situation, and needs.
FRM and NB expressly recommend that you check whether any product offered by a lender is appropriate to your financial needs, objectives, affordability, and situation before acquiring such product(s) including any personal loans, short term business loans, or line of credit. Any application and facility preferences including the loan term, interest rate, payment frequencies, etc are subject to the lender’s own lending criteria and final approval.
You should seek independent advice from a trusted advisor prior to acquiring any products offered by the lenders. Your Solicitor, or Accountant would be a good first port of call, alternatively, you can also discuss any offered products with us (FRM and NB) to see whether these products are suitable to you and whether there are any alternative options available to you that would best suit your needs. You will be required to complete FRM and NB’s Fact Find Application and supporting documentation such as ID, Income Verification, Credit Checks, and Bank Statements prior to FRM and NB being able to offer you any financial advice.
FRM and NB are advised that the lender’s average standard loan approval time is 24 hours based on normal working business hours, Monday to Friday, excluding public holidays. More complicated applications may however take longer and may require additional information.
Any external links from FRM and NB’s website to any online lending partner does not constitute an endorsement by FRM and NB of these lenders or their products and services. You expressly agree that when dealing directly with any online lending partner and when using any external links on FRM and NB’s websites, you do so at your sole risk. FRM and NB are not liable for any loss or damage suffered or incurred whatsoever (whether direct or otherwise) in connection with your use of their website or of any linked website including your use of and/or reliance on any website content accessed through FRM or NB’s website or any linked website. All applications for credit are subject to the lender’s own internal credit assessment criteria.
Although FRM and NB take all reasonable care to make sure there is no error, we make no guarantees as to the accuracy, adequacy or completeness of the information contained in the brief profiles and external links to the lenders. All information is subject to change without further notice.
A referral commission may be paid to FRM and/or NB where a lending partner approves your application and can assist you.
© First Rate Mortgages Limited and NonBk Limited (2022) V1 29.08.22
First Rate Mortgages Ltd, Website Privacy Statement, Terms and Conditions
www.firstratemortgages.co.nz
First Rate Mortgages Limited complies with the Privacy Act 2020 (the Act).
This document sets out how we collect, hold, use and share your personal information. This does not limit or exclude any of your rights under the Act.
If you provide us with personal information through this website, we will protect your information as set out below.
We may amend this privacy statement from time to time.
Collection of your Information
We may collect personal information about you when you provide information to us directly, and when you obtain services from us. We may also collect personal information about you from third parties where authorised by you and from public sources.
The type of personal information we may collect may include:
- your contact details: name, address, phone number, email
- documents that confirm your identity: your driver’s licence, passport etc.
- other information relevant to the service we will provide to you
Use of Your Information
We only collect and use personal information from you to be able to provide you with the products and services you have requested from us. We may provide you with information on our other services from time to time. If you do not want First Rate Mortgages Limited or our representatives to contact you, you may “opt out” of this preference at any time.
We do not sell our client information or share it with third parties without your permission.
Retention and Security
We will not hold your personal information for longer than is required for the purpose(s) for which it was collected (subject to any obligations at law to hold the information for longer periods).
We have cyber security safeguards in place to protect the information and we will take all reasonable steps to ensure that information will not be disclosed to any unauthorised person or organisation. Our security measures include:
- Security software
- Anti-virus software
- Back up process
- Other security measures to guard against unauthorised access.
Where is information hosted?
Our website and customer relationship management systems are hosted in New Zealand. We also use G Suite, Microsoft 365 and Mailchimp which are hosted by the software provider in the USA and are compliant with the General Data Protection Regulations (GDPR).
When we share your data with a third party, we require them to have in place reasonable technical and organisational measures to protect your personal data.
As they may be overseas, many such providers are subject to different privacy and data protection laws to New Zealand. We therefore cannot be certain that your information will be held to a standard that is comparable with the New Zealand Privacy Act 2020.
We use reasonable endeavours to work with those companies to protect your personal information.
Your right of access and to correction
We will take all reasonable steps to ensure that personal information held by us is accurate and up-to-date. You are entitled to obtain from us confirmation as to whether or not we hold personal information about you and you are entitled to reasonable access to this information, and to ask for it to be corrected if you think it is wrong.
If you’d like to ask for a copy of your information and have it corrected, or would like to be removed from any of our subscription lists at any time, then please contact us at
First Rate Mortgages Limited P O Box 314 095
Orewa, Rodney, 0946
Email: [email protected]
Phone: 09 4268927
Internet use
While we take reasonable steps to maintain secure internet connections, you are responsible for all of your activity in accessing and using this website and any information you provide over the internet is provided at your own risk.
Our website may, from time to time, contain links to and from other websites. Please note that those websites will have their own privacy policies and that we do not accept any responsibility for the actions of those websites.
This website can not be used for any activities that breach any laws, or infringe on any party’s rights or breach of standards, content requirements or codes promulgated by any relevant authority. You must not distribute through this website any communication that is inappropriate or any disabling code or virus.
Unauthorised access or modification to this website or attempts to bypass security mechanisms are not permitted.
Intellectual Property
The intellectual property associated with this website, including but not limited to, logos, trademarks, copyright and design are either owned by First Rate Mortgages Ltd, or we are licensed to use them. Reproduction, adaption, distribution or publishing of any part of this website is not permitted without our prior written consent.
Website Disclaimers
The contents on this website are to provide general information only and to assist you assess if we may be able to help you with a financial solution. Every effort is made to ensure that the contents of this website are accurate and up to date, however legislation, policy, terms, and conditions are subject to change with little or no notice.
In addition Lenders promotions, special interest rates, cash back incentives, deposit requirements are also subject to change and the lender requirements at the time of the application.
Before relying on any information on this website we would therefore encourage you to seek advice personally with one of our advisers by phone, email or our online enquiry forms.
Thank you