Website Privacy Policy
Here at Mortgage WOF, we recognize the importance of protecting the privacy of any information provided to us by visitors to our site. In particular any information that may identify an individual – this is known as “Personal Information”.
This Privacy Policy governs the manner in which the personal information you provide to the site, will be handled. We reserve the right, to modify, update or remove segments of this Privacy Policy at our discretion. This Privacy Policy should be reviewed regularly so that you are aware of any changes that may have occurred. This policy is to be read in conjunction with the Terms of Use
Your personal information
Personal information about visitors to is collected only when you intentionally submit it. For example, we may need to collect information that is required in order to fulfil the services offered by this site.
This policy will protect your personal information from being dealt with in any way that is inconsistent with applicable privacy laws in New Zealand.
How your personal information is collected
In the course of providing our services, we collect personal information in a variety of ways. For example, information is collected when you:
1. Submit a contact us request form that is an enquiry about or request for one of our products or services
2. Ask to be placed on one of our mailing lists
3. Request your Mortgage WOF
3. Visit our web site
We may from time to time receive and store certain automatic non-identifiable information relating to your use of, and behaviour on the site. For example, we may record information such as the areas of the site accessed by you, the time, date and URL of the pages requested by you, your browser software, your IP address, and/or the previous web site that you have linked to the site from. The recording of such information enables us to identify the areas of our sites that are most popular and to tailor the site accordingly. We may also collect personal information from third party service providers.
Use of personal information
We will generally use personal information to:
1. provide you with the products and services you have requested;
2. personalise and customise the advertising, products and services included on the site;
3. manage our business and enhance our products and services;
4. contact you and allow representatives and our registered financial advisers to contact you; and
5. comply with applicable legal and regulatory requirements.
We may share your personal information with our website supplier’s and/or our registered financial advisers for these purposes. We do not provide your information to mailing list companies and will not otherwise disclose your personal information without your consent. You should be aware that providing information to our registered financial advisers through our site will result in the information being passed onto the service provider/s and your information may then be held in any way that does not conform to this Privacy Policy.
We may sometimes use the personal information we collect for a secondary purpose, that is, for use in a way different from the original reason for collection. We will only do this in the following circumstances:
1. Where you have consented
2. Where the secondary purpose is directly related to the primary purpose, and you would reasonably expect us to use or disclose the information in such a way or
3. Where we are permitted or required by law, or it is in the interests of public safety to do so.
Consent
By providing your personal information you consent to us and our registered financial advisers using your personal information to provide you with the service you have requested. Based on your preference, this may include contacting you by telephone, mail or e-mail to discuss relevant products and services. You also consent to us and our registered financial advisers, offering you products and/or services that you may be interested in, and this extends to goods or services from us or any third party.
Disclosure
Personal information may be disclosed:
1. Where you have consented;
2. Where disclosure is necessary to achieve the purpose for which it was submitted;
3. In special situations where we have reason to believe that doing so is necessary to identify, contact or bring legal action against anyone damaging, injuring, or interfering (intentionally or unintentionally) with our site's rights or property, users of this site, or anyone else who could be harmed by such activities; or
4. If we are required or authorised by law to disclose the information.
If you need to correct your personal information
You can also request that information about you be accessed, corrected or deleted by contacting us by email info@mortgagewof.com
Security
We will take reasonable steps to protect your personal information by storing it in a secure environment, and when the information is no longer needed for any purpose for which the information may be used or disclosed, it will be destroyed or permanently de-identified.
We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.
While we take all reasonable measures to safeguard against the unauthorised disclosure of personal information, we accept no responsibility for the conduct of third parties we have little or no control over.
Links to other sites
We provide links to Web sites outside of our web site, as well as to third party Web sites. These linked sites are not under our control, and may not protect your personal information in a manner consistent with this Privacy Policy. The provision of a link does not imply any endorsement, nor do we accept responsibility for the conduct of the companies who own those third party sites. Before disclosing your personal information on any other website, we advise you to examine the terms of use and the privacy policy of that site.
Further privacy information
If you have any queries about this Privacy Policy, or have a problem or complaint, then you should contact us at
Web Site Terms and Conditions of Use
Terms
By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.
Use License
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Permission is granted to temporarily download one copy of the materials (information or software) on Mortgage WOF's web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
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modify or copy the materials;
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use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
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attempt to decompile or reverse engineer any software contained on Mortgage WOF's web site;
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remove any copyright or other proprietary notations from the materials; or
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transfer the materials to another person or "mirror" the materials on any other server.
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This license shall automatically terminate if you violate any of these restrictions and may be terminated by MortgageWOF at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
Disclaimer
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The materials on Mortgage WOF's web site are provided "as is". MortgageWOF makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, MortgageWOF does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.
Limitations
In no event shall MortgageWOF or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Mortgage WOF's Internet site, even if MortgageWOF or a MortgageWOF authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
Mortgage WOF Calculator Assumptions
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A general 5.50% interest rate is used
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A general 30 year loan term is used
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Loan to Value(LVR) are being used, 20% minimum deposit for the house you live in and 40% minimum deposit for any investment properties
A number of internal assumptions are used for all other calculations
Revisions
The materials appearing on Mortgage WOF's web site could include technical, typographical, or photographic errors. MortgageWOF does not warrant that any of the materials on its web site are accurate, complete, or current. MortgageWOF may make changes to the materials contained on its web site at any time without notice. MortgageWOF does not, however, make any commitment to update the materials.
Site Terms of Use Modifications
MortgageWOF may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.
Governing Law
Any claim relating to Mortgage WOF's web site shall be governed by the laws of New Zealand without regard to its conflict of law provisions.