Privacy Policy

Privacy Policy
Effective Date: May 2025

At JV Financial Services (“we”, “us”, “our”), your privacy is important to us. We are committed to protecting your personal information and ensuring transparency in how we collect, use, and store it in accordance with the New Zealand Privacy Act 2020.

This policy outlines how we manage your personal information in relation to our services, including insurance advice, KiwiSaver, investment services, and mortgage referrals.

1. What Personal Information We Collect
   We may collect the following types of personal information:

Full name, date of birth, and contact details

Financial information (e.g., income, expenses, assets, liabilities)

Health and medical information (for insurance underwriting purposes)

Employment details

IRD number (if applicable)

Identification documents (e.g., driver’s licence, passport)

KiwiSaver or investment account details

Any other information required to provide you with tailored financial advice

2. How We Collect Your Information
   We collect personal information:

Directly from you (e.g., through meetings, forms, or online inquiries)

From third parties with your consent (e.g., insurers, product providers, or medical professionals)

From public sources or databases, where appropriate

3. Why We Collect Your Information
   We collect your personal information for the following purposes:

To provide you with tailored financial and insurance advice

To assess insurance and investment needs

To assist with applications for insurance or KiwiSaver/investment products

To refer you to trusted mortgage advisers or other professionals (with your permission)

To meet our legal and regulatory obligations under the Financial Markets Conduct Act 2013

To manage and maintain client relationships

4. Who We Share Your Information With
   We may disclose your information to:

Insurance providers or product issuers you agree to engage with

KiwiSaver and investment product providers

Medical professionals (with your consent, for underwriting purposes)

Our compliance consultants, auditors, or legal advisers

The Financial Markets Authority (FMA) or the Office of the Privacy Commissioner, if required

Trusted third parties involved in the provision of financial services, with your permission

We will never sell your information to third parties.

5. How We Store and Protect Your Information
   We store your personal information securely using both physical and digital protections, including:

Password-protected systems and encrypted software

Locked filing cabinets for paper records

Secure cloud-based platforms (located in compliance with New Zealand privacy laws)

We retain your personal information only as long as necessary to fulfil our obligations to you and our legal requirements.

6. Accessing and Correcting Your Information
   You have the right to access the personal information we hold about you and to request corrections if necessary. To do so, please contact us using the details below.
7. Cookies and Website Analytics
   Our website may use cookies and analytics tools to improve user experience. These tools may collect non-identifiable information about your device, browser, and activity. You can disable cookies through your browser settings.
8. Changes to This Policy
   We may update this privacy policy from time to time. Any changes will be posted on our website. We encourage you to review it regularly.
9. Contact Us
   If you have any questions about this policy or wish to access or correct your personal information, please contact us:

JV Financial Services
📍 22 Sunridge Estate, Welcome Bay, Tauranga 3112
📧 [email protected]
📞 Jan Viljoen: 022 599 8127
📞 Zhan Viljoen: 022 029 5049