Riverhorse Technologies Limited is committed to protecting and respecting your privacy. This policy explains what personal information we collect, how we use it, and what rights you have over it. This policy applies to www.myratecheck.co.nz and any related websites owned and operated by Riverhorse Technologies Limited. This policy was last updated in August 2026 to reflect the requirements of the Privacy Act 2020 and the Privacy Amendment Act 2025, including the Information Privacy Principle 3A (IPP 3A) which took effect on 1 May 2026.
Information We May Collect From You
We may collect and process the following personal data about you when you request mortgage-related goods, services, or information from us:
- Information provided by filling in forms on our website, including contact details (name, email, postal address), financial information (income, expenses, assets, liabilities, mortgage details), unique identifiers (username, account number, password), and preferences (favourites, transaction history, marketing preferences).
- Information you provide when you write to us, including by email.
- Information shared with us over the telephone. We may make and retain a record of that conversation.
- Responses to surveys we conduct.
- Details of transactions you carry out through our site, and your IP address.
- Information obtained from third parties in accordance with this policy — for example, we may verify identity or credit history via authorised credit agencies, or verify property details via relevant registries.
When you use MyRateCheck, we may collect personal, financial, technical and website usage information, including:
- Your name, email address, phone number and property address (where you choose to provide them).
- Mortgage information you enter into our calculators, including loan balance, interest rate, loan term, property value and repayment details.
- The results generated by our calculators, including estimated savings, cashback and repayment comparisons.
- Your Internet Protocol (IP) address or a securely hashed version of your IP address.
- Your browser type, device type, operating system, screen resolution and language settings.
- Your approximate location based on your IP address (such as country, region and city).
- The pages you visit, time spent on our website, buttons clicked, forms started or completed, and your navigation through our website.
- Referring websites, search engines, advertising campaign information, cookies, session identifiers and other analytics data.
- Information about how you interact with our website to help us improve our services, monitor performance, prevent fraud, maintain security and better understand customer needs.
We use cookies and similar technologies to improve your experience, analyse website traffic, personalise content, measure the effectiveness of our marketing and ensure the security of our website. Where practical, technical information is stored in a way that reduces the likelihood of directly identifying individual users.
If you choose to engage with mortgage advisory services provided by any affiliate of ours, we may also collect information about your property and financial position such as property type, location, valuation, and loan-to-value ratio.
We also automatically gather technical data such as IP addresses, browser type, operating system, referring pages, and clickstream data for site administration and analytics. This data does not identify individual users.
Indirect Collection of Personal Information (IPP 3A)
In accordance with the Privacy Amendment Act 2025 and the Information Privacy Principle 3A (IPP 3A), which came into force on 1 May 2026, we are required to notify you when we collect your personal information from a source other than you directly.
We may collect your personal information indirectly from sources such as:
- Credit reporting agencies and credit bureaus
- Real estate agents, valuers, or property data services
- Lenders, banks, or other financial institutions
- Government registries (e.g. Land Information New Zealand, Companies Office)
- Referral partners or introducers
- Publicly available sources
When we collect your personal information indirectly, we will take reasonable steps to ensure you are made aware of:
- The fact that your information has been collected and the source from which it was collected
- The name and address of the agency collecting and holding the information
- The purposes for which the information is being collected
- The intended recipients of the information
- Whether providing the information is required by law, and if so, which law
- Your right to access and correct your personal information
Notification will be provided as soon as reasonably practicable after collection. In some cases, IPP 3A exceptions may apply — for example, where you have already been made aware of the collection, or where notification would be impracticable or undermine a lawful purpose. We will document our basis for relying on any exception.
How We Use Your Information
We use the information we hold about you for the following purposes:
- To ensure content on our site is presented in the most effective way for you.
- To help affiliate mortgage advisers better understand your situation, so they can provide you advice.
- To provide mortgage-related information, products, or services you request from us, where you have consented to be contacted.
- To fulfil our obligations under any contracts between you and us.
- To notify you about changes to our goods and services.
- To assess your eligibility for mortgage or lending products and to make recommendations appropriate to your circumstances.
- To comply with our legal and regulatory obligations, including obligations under the Financial Markets Conduct Act 2013 and the Credit Contracts and Consumer Finance Act 2003.
We may also use your data, or permit selected third parties to use it, to provide information about goods and services that may interest you. Existing and new customers will be contacted by electronic means or mail, about similar goods and services to those previously supplied.
If you do not wish us to use your data for marketing or to pass your details to third parties, please contact us at [email protected] or refer to the Access & Your Choices section below.
Disclosure of Your Information
We will share your personal information with third parties only in the ways described in this policy, which include us providing the information to third parties, such as mortgage advisers, who will utilise the information to provide you with advice on how to improve your mortgage situation. We may obtain a fee from the affiliate in this instance.
We may disclose personal information to members of our corporate group, including subsidiaries and our ultimate holding company. We may also disclose your information to third parties in the following circumstances:
- If we sell or purchase any business or assets, we may share your data with the prospective buyer or seller.
- If Riverhorse Technologies Limited or substantially all of its assets are acquired by a third party, personal data held about customers will form part of the transferred assets.
- If we are legally required to disclose your data, or to enforce our Terms of Use, or to protect the rights, property, or safety of Riverhorse Technologies Limited, our customers, or others, including sharing information for fraud prevention and credit risk reduction.
- To lenders, banks, mortgage advisers and other financial institutions as necessary to provide our mortgage-related services to you.
- To credit reporting agencies in connection with the assessment of mortgage or loan applications.
We may share your information with companies that help us run our business. Those companies are only authorised to use your data as necessary to provide those specific services.
We do not disclose information about identifiable individuals to our advertisers, but we may share aggregate, anonymised statistics about our users.
Where we share your information with third parties who will themselves collect, hold, or use your information, we will ensure those parties are identified in this policy or in a specific notice to you, in compliance with IPP 3A.
Access & Your Choices
Under the Privacy Act 2020, you have the right to access and correct personal information we hold about you. If your personal information changes, or you no longer wish to use our services, you may correct, update, amend, or request deletion of your information by:
- Updating your details in your account settings.
- Emailing us at [email protected].
- Contacting us by post at the address in the Contact section below.
We will respond to access requests within 20 working days, as required by the Privacy Act 2020. A fee may apply to cover the reasonable cost of providing details of the information we hold about you, and we will advise you of any fee before processing your request.
We will retain your information for as long as your account is active or as required to provide services. In cases involving the collection and processing of financial data, we may retain records for up to 7 years to meet our legal obligations under applicable financial and tax legislation.
You may unsubscribe from our newsletters or marketing emails at any time by following the unsubscribe link in the email, updating your account preferences, or contacting us at [email protected].
You also have the right to ask us not to process your personal data for marketing purposes at any time. You may make a complaint to the Office of the Privacy Commissioner (www.privacy.org.nz) if you believe we have interfered with your privacy.
Cookies & Tracking Technologies
We may collect information about your computer, including IP address, operating system, and browser type, for system administration. This is statistical data about browsing behaviour and does not identify individuals.
We use cookies, small files stored on your device, to improve our site and deliver a personalised experience. Cookies enable us to:
- Estimate our audience size and usage patterns.
- Store your preferences and customise the site to your interests.
- Speed up your searches.
- Recognise you when you return to our site.
You may refuse cookies by adjusting your browser settings, though doing so may limit access to parts of our site. Unless you adjust those settings, our system may issue cookies when you log on.
Cookies set by our partners, affiliates, advertisers, or service providers are not covered by this policy. We do not have access to or control over those cookies.
We may display third-party advertisements. When you view or click an ad, a cookie may be set to help deliver relevant advertising. You may opt out via the tracking preference managers provided by those services.
How We Store, Process & Secure Your Data
Data we collect may be transferred to, and stored at, a destination inside or outside New Zealand. It may also be processed by staff operating inside or outside New Zealand who work for our suppliers or us, for example, in fulfilling service requests, processing applications, or providing support services.
By submitting your personal data, you agree to this transfer, storage, and processing. We will take all steps we consider reasonably necessary to ensure your data is treated securely and in accordance with this policy. Where data is transferred overseas, we take steps to ensure the overseas recipient is subject to privacy obligations comparable to those in New Zealand, in accordance with Information Privacy Principle 12 of the Privacy Act 2020.
All information provided via email or our site is stored on secure servers. When you enter sensitive information such as financial details, we encrypt the transmission using secure socket layer technology (SSL).
Where you have a password to access parts of our site, you are responsible for keeping it confidential. Please do not share your password with anyone.
No method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security, but we follow generally accepted standards to protect your information during transmission and once received.
In the event of a privacy breach that is likely to cause serious harm to individuals, we will notify affected individuals and the Office of the Privacy Commissioner as soon as practicable, in accordance with our obligations under the Privacy Act 2020.
For security questions, contact us at [email protected].
Additional Privacy Information
Blog & Forum
Our website may include a publicly accessible blog and community forum. Any information you share in these areas may be read, collected, and used by others. To request removal of your personal information, contact us at [email protected]. In some cases, removal may not be possible, and we will let you know if that is the case.
Referrals
If you use our referral service to recommend our site to a friend, we will ask for your friend's name and email address to send them a one-time invitation email. We store this information solely for the purpose of sending that email and tracking the success of our referral programme. Your friend may contact us at [email protected] to request removal from our database.
Links to Third-Party Sites
Our site may contain links to websites operated by our suppliers, partners, advertisers, affiliates, and other third parties. We are not responsible for the privacy practices or content of those websites. Please review their policies before submitting any personal data.
Social Media Widgets
Our website may include social media features such as sharing buttons. These features may collect your IP address, record which page you are visiting, and set a cookie to function properly. Your interactions with these features are governed by the privacy policy of the company providing them.
Single Sign-On
You may be able to log in using a third-party sign-in service. This authenticates your identity and may give you the option to share personal information, such as your name and email address, to pre-populate our sign-up form.
Privacy Officer
Riverhorse Technologies Limited has appointed a Privacy Officer to oversee compliance with the Privacy Act 2020 and this policy. If you have any concerns or queries about how we handle your personal information, you may contact our Privacy Officer at [email protected].
Changes to This Policy
We may update this policy from time to time to reflect changes in our information practices or in applicable law. If we make any material changes, we will notify you by email (sent to the address in your account) or by posting a notice on this site before the changes take effect.
We encourage you to review this page periodically for the latest information on our privacy practices.
Contact Us
Questions, comments, or requests regarding this privacy policy are welcome. If you believe your privacy rights have been interfered with, you may also contact the Office of the Privacy Commissioner at www.privacy.org.nz or by calling 0800 803 909.
Email us at [email protected], or by post at:
Riverhorse Technologies Limited
Office: 142 Hurstmere Road
Takapuna, Auckland
New Zealand
Office hours: Monday–Friday, 9:00 am – 5:00 pm. Closed weekends and public holidays.