1. What We Do

Mortgage Genius is a marketing service. We do not provide financial advice ourselves. Instead, we collect your information via quizzes and forms, and pass it to licensed mortgage brokers or advisers ("our clients") so they can assist you.

2. Definitions

• "We", "Us", "Our" – Mortgage Genius (https://mortgage-genius.co.nz)
  
  

• "You" – A user of our website or quiz
  
  

• "Client" – A licensed mortgage adviser or broker who receives lead information
  

• "Personal Information" – Any information that can identify you, such as name, email, or mortgage preferences
  

3. Data We Collect

We collect information you voluntarily provide, including:

• Full name
  
  

• Email address
  
  

• Phone number
  
  

• Region and property value
  
  

• Deposit size and income range
  
  

• Mortgage goals, preferences, or refinancing interests
  

We do not collect banking details or IRD numbers.

4. Use of Your Data

We use your personal information to connect you with a mortgage adviser. Your data may also be used to send relevant updates or offers, which you can opt out of at any time.

Once your data is shared, it is subject to the third party’s own Privacy Policy. We are not responsible for their use, storage, or handling of your information.

5. Third-Party Tools

We use trusted third-party services such as Google Analytics, Meta Ads, Airtable, and form builders. These services may collect anonymized usage data via cookies or tracking pixels. We are not responsible for the privacy practices of these platforms and recommend reviewing their respective privacy policies.

6. Storage and Security

Your data is stored using encrypted cloud platforms with commercially reasonable safeguards. No storage system is perfectly secure, but we aim to prevent unauthorized access, alteration, or misuse.

7. Consent

By submitting your information, you explicitly consent to:

• The collection of your personal information
  
  

• The sale or transfer of that information to one or more licensed mortgage professionals
  
  

• Being contacted by phone, SMS, or email by a mortgage broker
  
  

You may withdraw consent at any time by emailing us at mortgages@insurancegenius.co.nz.

8. Disclaimers

• Mortgage Genius is not a licensed financial adviser or lending institution.
  
  

• We do not guarantee the performance, licensing, or conduct of any mortgage adviser.
  
  

• We do not guarantee loan approvals or financial outcomes.
  
  

9. Data Rights

You may request to access, update, or delete your personal data at any time. Please email us and we will respond within 30 days.

10. Cookies

We use cookies to optimise website performance, store preferences, and improve user experience. These may collect anonymised usage information. You can modify cookie settings through your browser.

11. Children’s Data

Our site is not intended for use by individuals under 16 years of age. We do not knowingly collect data from minors.

12. Governing Law & Jurisdiction

This policy is governed by the laws of New Zealand. Any disputes arising from your use of this website will be resolved in the courts of New Zealand, and you consent to their jurisdiction.

13. Changes to Policy

We may update this Privacy Policy & Terms of Service from time to time. Changes will be posted to this page with a new effective date.

14. Contact Us

For privacy concerns, data requests, or feedback:
📧 mortgages@insurancegenius.co.nz