Privacy Policy

Effective Date: May 19, 2025

This Privacy Policy describes how Life-n-Loans (“we,” “us,” or “our”) collects, uses, and shares information when you use our website (the “Site”). By accessing or using the Site, you agree to the terms of this Privacy Policy.

Important Notice: Not Intended for European Union or California Residents

This Site is not intended for individuals residing in the European Union (EU) or California. We do not intentionally collect personal information from residents of these jurisdictions. If you are an EU or California resident, please do not use this Site or provide us with any personal information.

Information We Collect

We collect several types of information from and about users of our Site, including:

  • Information You Provide to Us:
    • Contact Forms: When you fill out a form on our Site, we may collect your name, email address, and phone number (if you choose to provide it). This information is used for the purpose of contacting you in response to your inquiry or request.
  • Information We Collect Automatically:
    • IP Address and Location: We automatically collect your IP address when you access the Site. We may also derive your general geographic location from your IP address. This information is used for analytical purposes and to understand where our users are coming from.
    • Tracking Technologies: We use various tracking technologies, such as cookies, web beacons, and similar technologies, to collect information about your Browse activities on our Site. This may include pages you viewed, links you clicked, and the duration of your visit. This information helps us to improve our Site, understand user preferences, and for analytical purposes. You may be able to control the use of cookies at the individual browser level.

How We Use Your Information

We use the information we collect for the following purposes:

  • To respond to your inquiries and fulfill your requests when you contact us through our forms.
  • To operate and maintain the Site.
  • To analyze how users interact with the Site and improve its functionality and user experience.
  • To monitor and prevent fraud, and to protect the security of our Site and our users.
  • To comply with legal obligations.

Sharing Your Information

We do not sell your personal information. We may share your information in the following circumstances:

  • Service Providers: We may share your information with third-party service providers who perform services on our behalf, such as website hosting, data analysis, and email delivery. These service providers are obligated to protect your information and are not permitted to use it for their own purposes.
  • Legal Requirements: We may disclose your information if required to do so by law or in the good faith belief that such action is necessary to comply with a legal obligation, protect and defend our rights or property, prevent or investigate possible wrongdoing in connection with the Site, or protect the personal safety of users of the Site or the public.
  • Business Transfers: In the event of a merger, acquisition, reorganization, bankruptcy, or other sale of all or a portion of our assets, your information may be transferred as part of that transaction.

Data Security

We take reasonable measures to protect the information we collect from loss, misuse, and unauthorized access, disclosure, alteration, and destruction. However, please be aware that no security measures are perfect or impenetrable, and we cannot guarantee the security of your information.

Data Retention

We will retain your information for as long as necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted by law.

Third-Party Websites

Our Site may contain links to third-party websites. This Privacy Policy does not apply to the practices of those third parties. We encourage you to review the privacy policies of any third-party websites you visit.

Children’s Privacy

Our Site is not directed to children under the age of 13 (or a higher age as required by applicable law in your jurisdiction). We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child without parental consent, we will take steps to remove that information from our servers.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the “Effective Date” at the top. You are advised to review this Privacy Policy periodically for any changes. Your continued use of the Site after any changes to this Privacy Policy will constitute your acceptance of such changes.

Contact Us

If you have any questions about this Privacy Policy, please contact us by email at: admin@life-n-loans.co.nz or by phone: 09 533 4000