Privacy Policy

FAP Name: Nityai Financial Services Limited

Trading Name: NFS Secure Dreams

FSP Number: FSP1012157

Nityai Financial Services Limited (“we”, “us”, “our”) complies with the Privacy Act 2020 (New Zealand) when collecting, using, storing, and protecting your personal information.

This Privacy Policy explains how we handle your personal information when you use our services.

For any privacy enquiries, you may contact our Privacy Officer at enquire@nityai.co.nz or visit www.nityai.co.nz for more information about your rights.

1. Updates to This Policy

We may update this Privacy Policy from time to time. Any updated version will be published on our website and will apply from the date it is posted.

2. What Personal Information We Collect

Personal information is any information that identifies you. This may include:

• Name and contact details
• Date of birth
• Employment and occupation details
• Financial and banking information
• Identity verification documents
• Education and qualifications
• Source of funds or wealth (where required)
• Communication records, feedback, and service history

3. How We Collect Information

We collect personal information directly from you and, where necessary, from third parties such as employers, product providers, or verification agencies.

Where information is collected from a third party, we will take reasonable steps to inform you of:

• What information has been collected
• Why it has been collected
• Who it may be shared with
• Who collected and holds the information
• Whether it is required by law
• Your rights to access and correct your information

4. How We Use Your Information

We use your personal information to:

• Verify your identity
• Provide financial advice and related services
• Assess and process applications
• Communicate with you
• Respond to enquiries and complaints
• Improve our services and systems
• Conduct marketing (where permitted or with your consent)
• Meet legal and regulatory obligations
• Protect our legal rights
• Any other purpose authorised by you or permitted by law

5. Sharing Your Information

We may share your personal information with:

• Insurance companies, lenders, and other product providers
• IT and cloud service providers (including storage and security providers)
• Compliance advisers, auditors, and regulators
• Financial advisers and related service providers
• Identity verification agencies
• Courts, tribunals, and government authorities
• Dispute resolution services such as Financial Services Complaints Limited (FSCL)
• Privacy Commissioner or other regulatory bodies where required
• Any other party you authorise

We will only share your information where necessary, required by law, or with your consent.

6. Protecting Your Information

We take reasonable steps to protect your personal information from loss, misuse, or unauthorised access.

Our systems use encryption, secure storage, and access controls. Regular security monitoring and audits are carried out.

However, no system or online transmission can be guaranteed to be completely secure.

7. Storage of Information

We retain personal information only for as long as required for business, legal, or regulatory purposes.

Your information may be stored in:

• Secure cloud-based systems (including overseas storage where applicable)
• Internal secure systems and backups
• Secure third-party CRM systems

All systems are protected with appropriate security controls to reduce risk of loss or unauthorised access.

8. Access and Correction

You have the right under the Privacy Act 2020 to access and request correction of your personal information.

To make a request, contact us at enquire@nityai.co.nz with proof of identity and details of your request.

If a correction is reasonable and practical, we will update your information. If not, we will record your correction request alongside your file.

9. Data Breaches

We have systems and processes in place to detect, manage, and respond to any data breaches.

If a breach occurs, we will take appropriate steps to contain it, assess the impact, and notify affected individuals and relevant authorities where required.

10. Internet Use & Cookies

While we take reasonable steps to protect online data, any information transmitted over the internet is at your own risk.

We use cookies and similar technologies to improve website performance and user experience. You may disable cookies in your browser settings, although some features may not work properly.

We may also use monitoring tools and third-party services to protect our systems from cyber threats and unauthorised access.

11. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for their privacy practices and recommend reviewing their privacy policies before providing personal information.

12. Complaints & Privacy Concerns

If you have concerns about how your personal information has been handled, please contact:

Privacy Officer
Nityai Financial Services Limited (NFS Secure Dreams)
Email: enquire@nityai.co.nz
Phone: 022 224 3647

We will acknowledge and work to resolve your concern promptly.

If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner (New Zealand): https://www.privacy.org.nz/

13. Your Agreement

By using our services or providing your information, you confirm that you have read and understood this Privacy Policy and agree to its terms. You also acknowledge that third-party providers may have their own privacy policies that apply to their services.