First Rate Mortgages Ltd, Website Privacy Statement, Terms and Conditions
First Rate Mortgages LTD 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
Indirect Collection of Personal Information (IPP3A – Effective 1 May 2026)
From 1 May 2026, we may collect personal information about you from third parties rather than directly from you, including lenders, referral partners, service providers, credit-checking agencies, website analytics tools and other organisations we work with.
When we collect personal information in this way, we will take reasonable steps to ensure you are aware that the information has been collected, the purpose for which it has been collected, who we may share it with, and that First Rate Mortgages Ltd, NonBk Ltd or Same Day Finance Ltd is the agency collecting and holding the information.
Where relevant, we will also inform you of any law authorising the collection, and of your rights to access and correct the information we hold about you, unless an exception under IPP3A applies.
Website Analytics
We analyse non-identifiable web traffic data to improve our services. We use Fabric Digital Ltd, a paid third party service to analyse the web traffic data for us. We own the data that is generated and it will not be shared with any other party for any other purpose.
We may collect, hold, and use statistical information about visits to help us improve the site, for instance:
- Your IP address
- The search terms you used
- The pages accessed on our site and the links you clicked on
- The date and time you visited the site
- The referring site (if any) through which you clicked through to this site
- Your operating system (e.g. Windows XP, Mac OS X)
- The type of web browser you use (e.g. Internet Explorer, Mozilla Firefox)
The data collected is aggregated and is not personally identifiable. IP addresses are masked so that they cannot be used to identify individuals. Our web analytics will
Links to social networking services
We do use social networking services such as Twitter, Facebook and LinkedIn to communicate with the public about our work. When you communicate with us using these services, the social networking service may collect your personal information for its own purposes.
These services may track your use of our website on those pages where their links are displayed. If you are logged in to those services (including any Google service) while using our site, their tracking will be associated with your profile with them.
These services have their own privacy policies which are independent of ours.
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.
Third Party Providers
Where we use a third party provider, such as MailChimp (for newsletters), any personal information you provide (e.g. your email address) will be stored by the third party provider.
The privacy policy of MailChimp is here: https://mailchimp.com/legal/privacy/
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 the 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 Ltd t/a NonBk Ltd and Same Day Finance Ltd
71 Maka Terrace, Orewa 0931, New Zealand
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 cannot 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 in assessing 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.
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: privacy@firstratemortgages.co.nz
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