Get your FREE copy of The Mortgage Game

<section id="complaint" class="bookchat"> <div class="container" data-aos="fade-up"> <div class="section-title" style="padding-bottom:10px !important;"> <h2>Privacy Policy</h2> </div> <div class="row"> <div class="col-lg-12 pt-4 pt-lg-0 order-2 order-lg-1 content"> <div id="complaint-paragraph" class="fst-normal"> Freehold Express Limited is committed to ensuring that your privacy is protected. This privacy policy outlines our obligations and your rights as set out in the New Zealand Privacy Act 2020. Consent to Privacy Policy By using this website and/or service you are agreeing to this privacy policy. Please do not use the site and/or our services if you do not agree with this privacy policy. We collect personal information from you, including information about your: <ul style="list-style-type:disc; margin-left:3%"> <li>Name</li> <li>Contact Information</li> <li>Location</li> <li>Financial information</li> <li>Interactions between us</li> <li>Any other relevant information which depends upon the interaction with us and our services.</li> </ul> We collect your personal information to provide and promote our services to you, including: <ul style="list-style-type:disc; margin-left:3%"> <li>Conducting our business.</li> <li>Liaise with professionals including but not limited to solicitors and accountants when a referral is required, at your request.</li> <li>If you have insurance, those involved in the insurance process such as claims investigators, medical practitioners, re-insurers, insurance reference agencies and other professionals that are part of the process.</li> <li>For internal administration, marketing, planning, research,and development requirements</li> <li>Disclose your personal information for the purpose for which it was collected to financial institutions and insurance providers.</li> <li>Disclose your personal information for regulatory and contractual reporting and compliance.</li> <li>To follow up with you on a regular basis to provide further financialadvice as and when required.</li> </ul> Other than Freehold Express Limited staff, we share this information with: Retail banks, lenders, insurer’s and third-party financial service providers to assess your suitability for your application. Freehold Express Limited may be required to disclose your personal information if disclosure is required, for example to government and regulatory authorities. We may also share this information with overseas third-party suppliers, service providers and other related bodies for some of the purposes listed above. Providing some information is optional: If you choose not to provide some of your personal information, we will be unable to provide full services as intended. Collection and Storage of information: <ul style="list-style-type:disc; margin-left:3%"> <li>Personal information is collected directly from you in person, telephone, fax, letter, email, website, website analytics or other suitable communication methods.</li> <li>Your information is kept in a secured digital storage facility. We don’t store hard copies.</li> <li>Your information is kept up to seven years at which point it is securely destroyed by erasing the digital and physical copies (unless otherwise required by complementary legislation).</li> <li>We use cloud storage to store your personal information held. Our cloud storage and IT servers may also be outside of New Zealand.</li> <li>We may access your personal information stored in the cloud storage from New Zealand as well as overseas should we need to for the purposes of providing our services.</li> </ul> Credit Card Payments <ul style="list-style-type:disc; margin-left:3%"> <li>We don’t store any credit card details except to the extent detailed below.</li> <li> Credit card details are required to process payments from our website; however, they are not saved once the order is processed. The credit card details that are held by the payment gateway (Click by Worldline) include the name on the card, expiry date, and a masked version of the credit card digits. Click by Worldline is a fully PCI-DSS secure Credit Card payment gateway. </li> </ul> Statistical Information and Cookies <ul style="list-style-type:disc; margin-left:3%"> <li>Cookies are files containing data that can be used to identify you anonymously. These are sent from each website you visit to your browser and stored on your computer’s storage facility.</li> <li>Cookies allow us to collect information and to help us improve our services. You are open to accept or refuse these cookies and know when a cookie is being sent to your computer. If you refuse, you may not be able to interact or use certain portions of the service.</li> <li>Statistical information is collected on your visits to our website to help improve the site overall or other communication sent to you as part of our marketing campaigns. This information is aggregated and is non-personally identifying.</li> <li>Cookies can also be generated for monitoring the site’s usage. No personal information is collected for this purpose. These cookies can be disabled through your browser settings or clear them out of the web browser used to access the site. This should not affect your ability to use the site.</li> </ul> Security As our website is linked to the internet, and the internet is inherently insecure, we cannot provide any assurance regarding the security of transmission of information you communicate to us online. We also cannot guarantee that the information you supply will not be intercepted while being transmitted over the internet. Accordingly, any personal information or other information which you transmit to us online is transmitted at your own risk. Disclosure of Information: <ul style="list-style-type:disc; margin-left:3%"> <li>Your personal information may be disclosed to those that belong to our professional network to enable me to properly conduct the service.</li> <li>Your personal information may be disclosed to regulatory bodies, law enforcement and to third party service providers as permitted or required by law.</li> <li>Where your personal information has been disclosed to third parties to perform services, those third parties may handle your information and must only use the information for the purposes for which it was supplied, although we are not responsible for ensuring this.</li> </ul> Access of your information: You have the right to request access to your personal information held.You have the right to request your personal information to be corrected if you believe it is incorrect. We may require some proof of identity before providing any information. Phone Calls When you call us, or if we call you, you consent to us recording the phone call fortraining, quality control,and compliance purposes. Consent to Electronic Messages Act 2007 By providing us with an email address, you consent to receiving communications fromus in electronic form to that email address or any otheremail addressspecified by you. Changes to our Privacy Policy We may change our Privacy Policy from time to time, by publishing an updated version on tis page to reflect changes in the lawand our business needs so long as the changes don’t disadvantage you. By continuing to engage us or use our website, you will be deemed to have accepted the updated Privacy Policy. Serious Privacy Breaches: In case of any serious breaches ofprivacy we will; <ul style="list-style-type:disc; margin-left:3%"> <li>Contain it by ascertaining the event.</li> <li>Assess the seriousness of the breach.</li> <li>Notify those affected and the Privacy Commissioner.</li> <li>Review our processes to prevent future breaches.</li> </ul> Contact: You have the right to ask for a copy of any personal information we hold about you, 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, or to have it corrected, or have any queries about this privacy policy, please contact the Client Relationship Manager at: <a class="link-primary" href="mailto:info@fhx.co.nz">info@fhx.co.nz</a>, or <a class="link-primary" href="tel:033396000">03 339 6000</a>, or Post: PO Box 651 Christchurch 8140 Physical: 3/301 Lincoln Road, Addington, Christchurch If you are not satisfied with our response to any privacy-related concerns you may have, you can contact the Privacy Commissioner: Office of the Privacy Commissioner PO Box 10 094, Wellington, New Zealand <a class="link-primary" href="tel:+64044747590">+64 04 474 7590</a> <a class="link-primary" href="tel:093028655">09 302 8655</a> (within Auckland) <a class="link-primary" href="tel:0800803909">0800 803 909</a> (outside Auckland) Fax: 04 474 7595 <a class="link-primary" href="mailto:enquiries@privacy.org.nz"> <div class="mb-3">enquiries@privacy.org.nz</div> </a> </div> </div> </div> </div> </section>

Start your free Mortgage Analysis here

First Name

Please choose a first name.

Last Name

Please choose a last name.

Email not valid.

Password

Please enter password.

Mobile

Please choose mobile.

Address

Street Number

Please choose street number.

Street Name

Please choose street name.

Street Type

Please choose street type.

Suburb

Please choose suburb.

City

Please choose city.

Province

Post Code

Please choose post code.

How did you hear about us?

Please choose...

I agree to the Privacy Policy and User Terms & Conditions

USER Terms & Conditions

By ticking this box you agreed to be bound by the terms and conditions set out below.

References in these terms and conditions to “we", “us” and “our” means Freehold Express Limited, its employees, and any Financial Adviser providing advice under Freehold Express Limited’s license to provide regulated financial advice issued by the Financial Markets Authority (FMA).

We may change our terms and conditions by publishing an updated version on this page, to reflect changes in the law and our business needs so long as the changes do not disadvantage you.  By continuing to engage us or use our website you will be deemed to have accepted the updated terms and conditions.

The use of this website and online forms is conditional to these Terms & Conditions.

Company Policies

Receiving a free mortgage analysis does not mean that we can help you. We must review client provided data, have an online meeting with clients, complete a credit check, and review lenders criteria to see if we’re a good fit with clients before proceeding.

Informational Only

The content on the Website, including any calculators or other tools is for information purposes only. All content is of a general nature only and does not constitute personalised financial advice or other professional advice.

Exclusive Client Rights

Your client rights are exclusive to you and your financial circumstances. You may not share or allow any third party any client rights, online tools, Freehold Express intellectual property or confidential information.

With respect to the free mortgage analysis and Freehold Express Plan, you understand and agree that any reference to maintaining your existing lifestyle, is a direct reference to receiving and maintaining the income and expenditure that you enter and submit in the free mortgage analysis. You are solely responsible for ensuring the information in your mortgage analysis is correct because the Freehold Express plan relies upon the information that you provide. You understand that you can review and correct the data in your free mortgage analysis when you receive it. You understand that Freehold Express Limited accepts no liability or responsibility if you have entered information incorrectly.

Client use of Freehold Express online tools and support is limited to the borrowings shown in the Mortgage Analysis at the time of purchase.

Lawful Purposes Only

You may use the Website for lawful purposes only. You shall not use the Website in such a manner that it may disrupt the use of any other person. You may not use any technology of techniques designed to circumvent user authentication/authorization or any other security measure. Copyright in all information on this site, unless otherwise indicated, is owned by Freehold Express. The information provided by the Website to you may be proprietary in nature. You represent and warrant to us that you are not and shall not be a competitor of Freehold Express and agree not to share our confidential information with any competitors. In some cases, Freehold Express has procured a license to use certain content, images or video on the Website. Rights in this content remain the property of their original owner. You shall not use any technology or techniques including but not limited to screen scraping designed to collect information, in bulk form, from the Website.

Links to Other Sites

From time to time the Website may link to other 3rd party websites. These links may be in the form of a clickable hyperlink or other approaches that include 3rd party content in pages on the Website. Freehold Express takes no responsibility for any information contained in these 3rd party websites. The content, accuracy and opinions expressed in such websites are not necessarily checked, monitored or endorsed by Freehold Express. Linking to a third party website does not indicate any endorsement of that website, its content or any associated organizations.

Privacy Act 2020

Freehold Express Ltd is an agency for the purposes of the Privacy Act 2020. All personal information that you supply to Freehold Express will be treated in accordance with that Act. In the course of providing you with our products and services, we may collect personal information from you. We will collect, hold and use your personal information in accordance with our privacy policy. You have the right to ask to see information that Freehold Express holds about you and if you believe that the information is incorrect to ask that we correct it. To request information about yourself please contact us.

Partner Offers

From time to time we may make available offers from selected partners. We make no representations or warranties concerning these Partner Offers and you agree that we are not responsible or liable for any loss or damage of any sort incurred, or as the result of the delivery or display of the Offers. We are not responsible for the terms and conditions of Partner offers nor are we responsible for delivery of the goods or services. We make a good faith effort to screen all Partner Offers to provide the best experience for our members however we are not responsible for dealings between you and a partner organization. You are responsible for and must carefully read and assess the terms of any partner in light of your particular individual circumstances.

Signing Documents Online

Freehold Express documents can be signed online from our website and its landing pages. Website users agree that by typing their name in their signature field, they have signed the document and agree to the terms of the document. Do not sign or submit a document if you don’t agree to the terms in the document.

User Submitted Content

You are solely responsible for any content and other material that you submit, publish, display or link to the Website. This includes any files or images that you might upload. You may not post, distribute, or reproduce in any way any copyrighted material, trademarks, or other proprietary information on the Site. You are responsible for ensuring that any content that you post is in compliance with all local laws and regulations. You agree to indemnify us from any claims that may arise as a result of content that you have posted. You agree that by posting any content or other material to the site you grant us an irrevocable, royalty-free, worldwide, perpetual license to use that content. We are under no obligation to publish content that you may provide us and reserve the sole right to determine if and when content is posted and removed. Unsolicited Electronic Messages Act 2007 The Unsolicited Electronic Messages Act 2007 aims to stem the flow of unsolicited commercial electronic messages. When Freehold Express sends you messages about our products, services or promotions it is because we believe you have provided either express or inferred consent for us to send these emails. Freehold Express would like to continue to keep in contact with you, however, should you not want to receive these messages, you should use our contact us form to let us know.

Limitation of Liability

If you are dissatisfied with the Website, with any content on the website or with these terms and conditions then your sole and exclusive remedy is to discontinue using the Website. Except insofar as any liability under statute cannot be excluded, none of Freehold Express, any of its employees and agents, or any other party accepts any responsibility or liability for any direct or indirect loss or damage that may result from any errors or omissions on the Website, reliance on information on the Website, or access to, the use of, or inability to use, the Website. If, notwithstanding the clause above, a court of competent jurisdiction holds us (or any of our officers, employees or agents) liable in respect of any matter arising out of or incidental to your use of the Website or these terms and conditions, whether that liability arose in tort (including negligence), contract, equity or on any other basis, the total aggregate liability will be limited to NZ$1.00.

Breach

Any breach of these terms and conditions will result in immediate termination of the website and online services. Freehold Express reserves its right to pursue available legal remedies for any loss of profits or consequential damages and losses suffered from any breach of these or any other terms, conditions and agreements between the parties.

Governing Law

These terms and conditions are governed and construed in accordance with New Zealand law and when accessing this website you accept the exclusive jurisdiction of the New Zealand courts.