1. Introduction
Chaperone ("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 use our mortgage application platform.
By using Chaperone, you agree to the collection and use of information in accordance with this policy. If you do not agree with the terms of this privacy policy, please do not access the platform.
2. Information We Collect
Personal Information
We may collect personally identifiable information that you voluntarily provide to us when you:
- Register for an account
- Complete a mortgage application
- Contact us with enquiries
- Subscribe to our communications
This information may include:
- Name, email address, phone number, and postal address
- Date of birth and identification documents
- Employment and income information
- Financial information including assets, liabilities, and bank statements
- Property information for mortgage applications
Automatically Collected Information
When you access our platform, we may automatically collect certain information about your device and usage, including your IP address, browser type, operating system, access times, and pages viewed.
3. How We Use Your Information
We use the information we collect to:
- Process and manage your mortgage applications
- Share your application with lenders and mortgage brokers as authorised by you
- Communicate with you about your application status
- Provide customer support
- Improve our platform and services
- Comply with legal and regulatory requirements
- Detect and prevent fraud
4. Disclosure of Your Information
We may share your information with:
- Lenders: To process your mortgage application as authorised by you
- Mortgage Brokers: To facilitate your application process
- Service Providers: Third parties that help us operate our platform
- Legal Requirements: When required by law or to protect our rights
We do not sell your personal information to third parties.
5. Data Security
We implement appropriate technical and organisational security measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure.
6. Data Retention
We retain your personal information for as long as necessary to fulfil the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.
7. Your Rights Under New Zealand Privacy Law
Under the Privacy Act 2020, you have the right to:
- Access your personal information held by us
- Request correction of inaccurate information
- Request deletion of your information (subject to legal requirements)
- Withdraw consent for certain processing activities
To exercise these rights, please contact us through the platform.
8. Cookies and Tracking
We use cookies and similar tracking technologies to enhance your experience on our platform. You can control cookie settings through your browser preferences.
9. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date.
10. Contact Us
If you have any questions about this Privacy Policy or our privacy practices, please contact us through the Chaperone platform.