Kripa Financial Solutions Limited FSP Number: 771115

Our Commitment to Your Privacy

At Kripa Financial Solutions Limited (we, us, our), your privacy matters. We comply fully with the New Zealand Privacy Act 2020 and are committed to handling your personal information with care, transparency, and respect.

This policy explains what personal information we collect, how we use it, and how we protect it. It does not limit or exclude any of your rights under the Act.

For further information about the Privacy Act 2020, visit www.privacy.org.nz or contact our Privacy Officer directly: 📧 sethu@kripa.co.nz

Changes to This Policy

We may update this policy from time to time. Any changes will be published on our website and will take effect from the date they are uploaded. We encourage you to check this page periodically.

What is Personal Information?

Personal information is any information that identifies you as an individual. This includes, but is not limited to:

• Name, address, and contact details

• Date of birth and occupation

• Employment history and details

• Education and qualifications

• Financial information and payment details

• Evidence of source of funds or source of wealth (where required)

• Testimonials and feedback

How We Use Your Personal Information

We collect and use your personal information for the following purposes:

• To verify your identity

• To provide services and products to you

• To market our services and products to you, including contacting you electronically (such as by phone, text message, or email)

• To improve the services and products we provide

• To respond to communications from you, including complaints

• To protect and/or enforce our legal rights and interests, including defending any claims

• For any other purpose authorised by you or permitted under the Privacy Act 2020

Sharing Your Personal Information

We only share your personal information where necessary. We may disclose it to:

• Service providers such as mailing houses, data storage providers, specialist consultants, and legal advisers who assist us in delivering our services

• Product providers including lenders and insurance companies relevant to your application

• Financial advisers and financial advice providers who may use our services on your behalf

• Compliance and audit bodies such as companies or individuals that conduct reviews required or permitted by law.

• Identity verification agencies including the New Zealand Department of Internal Affairs and the New Zealand Transport Agency

• Social media platforms on which we maintain a presence

• Courts, tribunals, and regulators such as the Financial Markets Authority and the Ministry of Justice

• The Office of the Ombudsman for complaints relating to official information

• The Office of the New Zealand Privacy Commissioner where a complaint relates to a breach of the Privacy Act 2020

• The Human Rights Commission for complaints relating to discrimination

• CERT NZ, where appropriate, to assist with the management of a voluntarily notified privacy breach

• Overseas privacy regulators when a complaint involves the actions of an overseas agency

• Any person or agency who we reasonably believe could assist in responding to a serious privacy breach

• Anyone else to whom you have given us authorisation to disclose your information

We will not share your personal information beyond the above without your written or verbal consent, unless required to do so by law.

How We Protect Your Personal Information

We take the security of your information seriously. Our measures include:

• Regular security audits of our software systems

• Encryption of all data, both in transit and in storage

• Access restricted to secure, authorised network connections only

How Long We Keep Your Information

We retain personal information only for as long as it is lawfully required. Our data management practices include:

• Regular online backups to protect against data loss or corruption

• On-premise storage at 7 Culdaff Place, Mt Roskill, Auckland, where information is provided to us outside of our software systems

Your Rights for Access and Correction

Under the Privacy Act 2020, you have the right to:

• Access your personal information that we hold

• Request a correction if that information is inaccurate or incomplete

To exercise either right, please email us at sethu@kripa.co.nz. Include evidence of your identity and clearly describe what information you are requesting access to or wish to have corrected.

If we agree a correction is reasonable and practicable, we will make it. If we are unable to make the correction, we will note your request against the relevant record.

Data Breaches

We have processes and systems in place to manage data breaches promptly and responsibly. In the event of a breach, our Privacy Officer will act quickly to identify, report, and investigate the incident in line with our legal obligations.

Internet and Website Use

While we take reasonable steps to maintain secure internet connections, please be aware that transmitting information online always carries some risk. Providing personal information over the internet is done at your own risk.

A few additional points to be aware of:

• Third-party links: If you follow a link from our website to another site, that site will have its own privacy policy. We recommend reviewing it before providing any personal information.

• Cookies: We use cookies (small alphanumeric identifiers stored on your device) to monitor how our website is used. You can disable cookies in your browser settings, though this may affect some website functionality.

• System security monitoring: We may use information about how you use our website and IT systems to prevent unauthorised access or cyberattacks. We may engage third-party suppliers to assist with this monitoring. These suppliers may have access to monitoring, logging, and processing information from our systems.

For any privacy-related queries, please contact our Privacy Officer at sethu@kripa.co.nz.

Kripa Financial Solutions Limited · 7 Culdaff Place, Mt Roskill, Auckland · FSP 771115