Privacy Policy

Purpose

We understand how important your privacy is. Protecting your personal information and being transparent about how we handle it is a core part of our relationship with you.

This Privacy Policy outlines how PJ Capital Investments Limited (FSP1008825) ("we", "our", "us") collects, uses, stores, and discloses your personal information in accordance with the Privacy Act 2020.

Consent to Privacy Policy

By contacting us, engaging our services, or using our website or social media pages, you consent to the collection and use of your personal information as outlined in this Privacy Policy.

If you do not agree, please contact us directly by phone instead of using our online channels.

Collection of Personal Information

We only collect personal information necessary to provide you with financial advice and related services.

We may collect your information:

• when you meet or speak with us (in person, by phone, video call, or email)
• when you use our website or social media pages
• when you participate in a marketing campaign, promotion, or client survey

We may also receive information from publicly available sources (e.g. internet, social media) and your professional advisers (e.g. accountant, solicitor, banker).

Types of Personal Information

Depending on your interactions with us, we may collect:

• your name, contact details, date of birth, and identification information
• financial, credit, and property details relevant to your lending or advice needs
• employment and income information
• records of our communications and advice provided
• your preferences or feedback

Storage and Protection of Information

Your information may be stored electronically or in hard copy. We take reasonable steps to protect it from misuse, loss, or unauthorised access.

We use a combination of secure storage systems and IT safeguards, including restricted access to authorised personnel, password-protected systems and encryption, employee privacy and cybersecurity training, and secure cloud storage.

We retain personal information only for as long as required by law or for legitimate business purposes — typically seven years from the conclusion of our engagement with you.

Disclosure of Personal Information

We may disclose your personal information to:

• PJ Capital Investments Limited (FSP1008825), for compliance, audit, and licence-oversight purposes
• lenders, product providers, or insurers as required to deliver our services
• external compliance reviewers, auditors, or IT providers
• our external dispute-resolution scheme
• regulators (e.g. the FMA) if legally required
• credit or identity-verification agencies where necessary

We will never sell or receive payment for your personal information.

Access, Correct, or Deletion of Your Information

You have the right to access and request correction of your personal information.

We may ask for identification before releasing or amending your information. There is no charge for correction requests. A reasonable fee may apply for large access requests. If we cannot meet your request (for legal or regulatory reasons), we will explain why.

Privacy Queries and Complaints

If you have concerns about how your personal information has been handled, please contact us first. We aim to acknowledge all complaints within three working days and resolve them within five working days where possible.