1. Our commitment to protecting your privacy

We understand how important it is to protect your personal information. This document sets out our privacy commitment in respect of the personal information we hold about you and what we do with that information.

It is important to us that you are confident that any personal information we hold about you will be treated in a way that ensures the protection of your personal information. Our commitment in respect of personal information is to abide by the Privacy Principles set out in the Privacy Act 2020 (or any successor legislation) (the Privacy Act) and all other applicable laws.

In this Privacy Policy, “we” “us” and “our” means Lifecycle Financial Services Ltd, as the context requires. By receiving our services, you agree to this Privacy Policy and to us collecting, using, disclosing, storing, and retaining your personal information in accordance with this Privacy Policy and the Privacy Act 2020.

We may amend this Privacy Policy from time to time and provide written notice of this to you. If you do not agree to any amendments, you may no longer receive our services after the date that any amendment takes effect.

2. Your Authorisation

By providing us with personal information, engaging us to provide you with services, or by using our website, you consent to the collection, use, storage and disclosure of personal information in accordance with this Privacy Policy.

3. Changes to our Privacy Policy

We may change our Privacy Policy from time to time, 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 Privacy Policy.

4. What personal information may we collect and why?

The personal information that we may collect includes:

Your name
Your telephone number and/or email address
Your address or location
Recordings of your interactions with us
Financial, billing, or invoicing information including bank account numbers
Insurance information including details of assets and past insurance claims

If you engage us to provide services to you, we may collect personal information about your financial situation or goals in order to recommend mortgage and insurance products.

We collect your personal information for purposes such as:

Responding to your requests or inquiries
Providing services (e.g., product recommendations)
Sending communications and marketing you may be interested in
Conducting market research
Any purpose authorised by you or the Privacy Act

You may ‘opt out’ of marketing at any time. We may also collect info (credit/health) on behalf of lenders, insurers, and providers.

5. How do we collect your personal information?

We may collect your personal information from:

Directly from you (via our website or conversations)
Lifecycle Financial Services Ltd and related bodies corporate
Credit reporting agencies
With your consent, from banks and employers
Product providers
Any person authorized by you or the Privacy Act

Where we collect personal information about you from someone other than you, we will take reasonable steps to notify you of the collection, including the purpose for collecting the information, the intended recipients, the name and address of the agency collecting and holding the information, whether the collection is authorised or required by law, and your rights to access and request correction of the information, unless an exception applies under the Privacy Act 2020.

If you provide us personal info about someone else, you must confirm they have authorised this in line with the Privacy Act and are aware of their access rights.

6. Who do we disclose your personal information to?

We may disclose your personal information to:

KAN and related bodies corporate
Banks, lenders, insurers, and other product providers
Referral partners and professional advisors
Service providers, contractors, and technology providers who assist us in operating our business
Auditors, compliance consultants, and regulatory bodies for compliance and monitoring purposes
Government agencies, regulators, courts, or dispute resolution schemes where required or authorised by law
Credit reporting agencies, identity verification agencies, and fraud prevention agencies
Quote comparison platforms and other third-party service providers used to support our services
Your employer, referees, or representatives where authorised by you
Any other person or organisation authorised by you or required under the Privacy Act 2020

We may also disclose your personal information to overseas service providers, including cloud-based storage providers and software platforms, where appropriate safeguards are in place in accordance with the Privacy Act 2020.

We take reasonable steps to ensure that any third party receiving personal information from us is required to protect that information in a manner consistent with the Privacy Act 2020.

7. Updating your personal information

Please notify us of any changes to your personal info. We rely on you to ensure the info we hold is accurate.

8. Do we disclose your personal information to anyone outside New Zealand?

Yes, we may store your personal info in overseas cloud services or share it with overseas service providers as needed.

9. Our website

Cookies and IP addresses

We use cookies to recognise your device, track website usage, improve our service and measure trends. IP address, browser/device type, time spent, and search terms may be collected.

You can disable cookies in your browser. Submitting your email links that info with cookies we collect.

Security

Online data transmission is inherently insecure. We cannot guarantee your data won’t be intercepted online.

Links and third-party advertisements

We are not responsible for the privacy practices of third-party websites or ads linked from our site. They should inform you of their own policies.

10. Are you required to provide personal information to us?

You are not required to, but not doing so may affect our ability to serve you or help with products. In some cases, we may be able to assist without collecting personal info (e.g., general inquiries).

11. Access and correction to your personal information

You can request access or correction of your personal info at any time by contacting us. We may charge a reasonable fee for retrieval.

12. Further information

For questions about this Privacy Policy or your personal info, please contact us.

This Privacy Policy was last updated in May 2026.

13. How to contact us

Email: harpreet@lifecyclefinancial.co.nz

Phone: 0800 507 770

Mail: Harpreet Rattan, 3 Otaota way, Flat Bush, Auckland