Privacy Policy

Fullstack Property Limited (“we,” “us,” or “our”) values your privacy and is committed to
protecting your personal information. This Privacy Policy explains how we collect, use, store,
and disclose your personal information in accordance with the Privacy Act 2020 and Privacy
Amendment Act 2025. By engaging our services, you consent to the collection, use, and
disclosure of your information as described in this policy.

1. Type of Information We Collect - Personal and non-personal

We treat your information according to whether it is personal or non-personal:
Non-personal information is data that cannot identify you as an individual. Examples include:

● Browser type and version
● Operating system
● Pages visited on our website
● Time and date of visit

As defined in the Privacy Act 2020, personal information means information about an
identifiable individual.

We may collect the following types of personal information from you:

● Name, date of birth, and contact details (email, phone, address)
● Identification documents (passport, driver’s license, proof of address)
● Financial information (bank details, income, mortgage information)
● Property preferences and requirements
● Transaction history and communications with our agency
● Credit information from credit reporting agencies
● Other information necessary to provide our services

We only collect information necessary for the purposes outlined in this Policy.

2. How We Collect Your Information

We may collect non-personal information automatically as you navigate our website.
Non-personal information does not identify you and may include aggregated or anonymised
data such as website usage statistics. We may use and share this non-personal information for
purposes such as improving our website, measuring performance, and generating marketing
insights.

We collect personal information in the following ways:

Personal information collected directly from you

● Forms, applications, or agreements
● Email, phone, and in-person communications
● Our website or online portals

Personal information collected from third parties (with your consent where required)

● Credit reporting agencies and other third-party services

We may also collect personal information indirectly (from third parties) where permitted or
required by law. In line with Information Privacy Principle 3A (Privacy Amendment Act 2025), we
will take reasonable steps to notify you when personal information is collected indirectly,
including why we are collecting it, who is collecting it, and your rights to access and correct your
information.

3. Purpose of Collection and Use of Personal Information

We collect and use personal information to:

● Provide property consultant and project management services, including property
searches, negotiations and renovations
● Assess your eligibility for services or financial arrangements
● Verify your identity and conduct due diligence
● Conduct credit checks and facilitate debt collection through third-party service
providers, where applicable
● Comply with legal obligations, including tax, anti-money laundering, and credit reporting
● Communicate with you about our services, offers, or updates
● Improve our services and website functionality

We will only use your personal information for the purposes for which it was collected, unless
another use is permitted or required by law.

For clarity, this purpose limitation applies to personal information only. Non-personal,
aggregated, or anonymised information may be used and shared for analytics, service
improvement, and marketing insights, as permitted by law.

4. Storage and Protection of Your Personal Information

We store personal information securely and implement appropriate physical, electronic, and
administrative safeguards to protect it. Reasonable steps are taken to minimise the risk of:

● Unauthorised access, use, or disclosure
● Loss, theft, or corruption
● Improper or accidental destruction

Some of your personal information may be stored in paper files, but the majority is stored
electronically on physical hard drives and/or in the cloud via cloud-based service providers.

While we take all reasonable steps to protect your personal information, no system is completely
secure. You must keep any passwords or access codes confidential and notify us if they are
compromised.

5. Who We May Disclose Your Information To

We may share your personal information with third parties when necessary to deliver our
services or when required by law. These include:

● Service providers and contractors: such as IT and cloud‑storage providers, CRM
platforms, or marketing partners who support our business operations.
● Financial institutions and lenders: mortgage brokers, banks, and insurers, to help with
financing or insurance related to property acquisition.
● Professional advisors: such as lawyers, accountants, valuers, and property inspectors
who assist in your transaction.
● Credit reporting agencies: with your consent, to obtain or share credit‑related
information.
● Related companies: our affiliates or group entities where relevant to your engagement
and service.
● Regulatory or government bodies: when required by law, regulation, or to fulfill legal
obligations.
● Debt recovery agencies: if required to recover unpaid amounts under our agreement.
● Others as authorised by you: anyone you explicitly ask us to share your information with.

All third parties are contractually obligated to protect your personal information and only use it
for the purpose of providing services to us.

6. Cookies

Our website, and any third-party service providers we engage (if applicable), may use cookies
and similar technologies to improve user experience, analyse site traffic and performance, or
remember preferences and login information. Cookies are small text files placed on your device
(computer, tablet, or smartphone) when you visit our website.

When you browse our website or social media pages, cookies may collect information such as:

● the date and time of your visits;
● which website pages you viewed;
● how you navigate through our site;
● details of your device, operating system and browser; and
● other interaction data (such as pages where you complete forms).

We may engage third parties for analytics, marketing, or advertisements. These parties use
cookies to improve their services and track trends. We do not control these third-party cookies;
please review their privacy policies.

You may disable cookies in your browser, but some features of our website may not function
properly if you do.

7. Links to Other Websites

Our website and social media pages may contain links to external websites that are not
operated or controlled by us. These third-party sites may have their own privacy and security
practices, which differ from ours and for which we are not responsible. You access them at your
own risk, and we strongly encourage you to review their privacy policies before providing them
with any personal information.

We do not make any representations or warranties about the content, security, or availability of
these linked websites. The inclusion of a link does not imply endorsement, recommendation, or
sponsorship by us of anything found on those sites. You should not rely on any information on
third-party websites as if it were provided by us.

Furthermore, because these external sites are independent, we cannot monitor or control their
content, and we accept no liability for any loss, damage, or risk you may incur through
accessing, using, or relying on them.

8. Public Discussions and Forums

Any information you post in public forums or discussions on our site becomes public. We are not
responsible for how third parties may use that information. Users must comply with our terms
and avoid posting sensitive information.

9. International Data Transfers

If we need to transfer your personal information outside New Zealand, we will ensure it is
protected in line with the Privacy Act 2020, including using contractual or other safeguards.

10. Retention

We retain your personal information only for as long as necessary to:
● Provide our services
● Comply with legal and regulatory obligations (including tax and accounting record-keeping requirements)
● Resolve disputes
● Enforce agreements

Where we collect or generate information relating to fees, commissions, invoices, payments, or
other financial transactions, we may be required to keep relevant records for at least 7 years
from the end of the tax year to which they relate, in line with Inland Revenue record-keeping
requirements.

After the applicable retention period, your information is securely deleted or anonymised.

11. Privacy Breach

We work diligently to protect your personal information using robust security measures,
however, there is no guarantee that our security will not be breached.

In the event of a suspected privacy breach, we will:

● Assess the nature and impact of the breach;
● Take steps to contain and mitigate the breach; and
● Notify affected individuals and the Office of the Privacy Commissioner if required by law.

12. Disclosure of Your Personal Information

We may disclose your personal information to third parties where necessary to provide our
services, including:

● Credit reporting agencies
● Mortgage brokers, lenders, or insurers
● Legal or financial advisors
● Property inspectors, valuers, or agents
● Debt collection agencies
● Our related companies (if applicable)

All third parties are required to handle your information securely and in accordance with the
Privacy Act (2020).

13. Your right to access, correct and delete your personal information

You have the right to:
● Access your personal information
● Request corrections to ensure it is accurate and up-to-date
● Request deletion of personal information where it is no longer necessary for the
purposes it was collected
● Withdraw consent for certain uses of your information (where legally permissible)
You can do so by contacting us at 110 Laird Place, Te Awamutu 3800, New Zealand
Or via email at Jason@fullstackproperty.nz

14. Consequences of Not Providing Information

If you do not provide requested information, we may not be able to:

● Provide our full range of services;
● Conduct due diligence or property transactions on your behalf;
● Comply with legal and regulatory obligations.

15. Changes to This Privacy Policy

We reserve the right to update this Privacy Policy at any time. Any updates will be published on
our website, and the effective date will be revised. We encourage you to review this policy
periodically. This privacy policy was last updated on 26/03/2026.

16. Privacy Policy Queries and Concerns
If you have any concerns about how your personal information is handled, please contact us.

Contact Details:
Full Stack Property Limited
Email: jason@fullstackproperty.nz
Address: 110 Laird Place, Te Awamutu 3800, New Zealand

You also have the right to contact the Office of the Privacy Commissioner if you are unsatisfied with our response.