Privacy Policy

Aitutaki Capital is the lending brand of the Aitutaki Whanau Trust ("we", "us", "our"). We are committed to protecting your privacy and to handling personal information in accordance with the Privacy Act 2020 and its Information Privacy Principles. This policy explains how we collect, use, disclose and protect personal information.

Who we are

The entity responsible for personal information collected through this website and in the course of our lending is the Aitutaki Whanau Trust, a registered financial service provider (FSP1006985), of 362 Cowes Bay Road, Waiheke Island, Auckland 1071.

Information we collect

We may collect personal information about brokers, advisers, borrowers, guarantors, and their associated individuals, including: name and contact details; entity and ownership details; financial information relevant to a lending scenario; details of the security property; identity and verification information; and any information you provide through our enquiry form or in the course of a transaction. Where you submit information about another person, you confirm that you are authorised to provide it and to have it handled in accordance with this policy.

Why we collect it

We collect and use personal information to assess, document, advance and administer lending; to communicate with brokers, advisers and their clients; to conduct credit assessment; to meet our legal and regulatory obligations, including customer due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009; and to protect and enforce our security and legal rights.

Customer due diligence

As a reporting entity under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009, we are required to verify the identity of our customers and, in some cases, of beneficial owners and persons acting on their behalf. We may collect identity and source of funds information for this purpose and may be required to retain it and to report certain matters, whether or not a transaction proceeds.

Disclosure

We may disclose personal information to: solicitors and valuers acting on a transaction; brokers and advisers involved in the enquiry; credit reporters and referees; any prior-ranking or incoming financier in connection with a priority arrangement; our professional advisers; and government agencies, regulators or law enforcement where we are required or permitted by law. We do not sell personal information.

Storage and security

We take reasonable steps to keep personal information secure and to protect it from loss, misuse and unauthorised access, disclosure or alteration. We retain personal information for as long as it is needed for the purposes described above and for as long as we are required to retain it by law.

Access and correction

You have the right to ask for access to the personal information we hold about you and to ask us to correct it. To make a request, or to raise a privacy concern, contact us using the details below. We may need to verify your identity before responding.

Website enquiries

Information you submit through our enquiry form is sent to us by email for the purpose of responding to your enquiry. Please do not submit sensitive information through the form that is not necessary for your enquiry.

Cookies and analytics

This website does not use tracking or analytics cookies. If this changes, we will update this policy.

Complaints

If you are not satisfied with how we have handled your personal information, please contact us first so we can try to resolve it. You may also complain to the Office of the Privacy Commissioner at privacy.org.nz.

Contact

Privacy enquiries: info@aitutakicapital.com, or Aitutaki Whanau Trust, 362 Cowes Bay Road, Waiheke Island, Auckland 1071.