Privacy Policy

iLender Privacy Policy 1st April 2026

Privacy Statement

Enlightened Life Limited (trading as iLender and Smart Adviser) is committed to protecting your personal information in accordance with the Privacy Act 2020.

This statement explains how we collect, use, store, and share your information when you engage with us.

What information we collect

We may collect personal information such as:

• Your name, date of birth, and contact details
• Financial information (income, expenses, assets, liabilities)
• Insurance, lending, and investment details
• Identification documents (for AML/CFT purposes)
• Health information (where required for insurance applications)

We only collect information that is necessary to provide our services.

How we collect your information

We collect information:

• Directly from you (e.g. forms, meetings, emails, phone calls)
• Through our website (e.g. contact forms, bookings)
• From third parties such as:
  • Insurance providers
  • Medical professionals
  • Employers
  • Other financial service providers

Indirect Collection

In some situations, we may collect personal information about you from third parties rather than directly from you. This may include information obtained from:

• Insurance providers
• Medical professionals or specialists
• Employers
• Mortgage lenders or banks
• Other financial advisers or service providers
• Government agencies or identity verification providers

Where we collect information from a third party, we will take reasonable steps to ensure you are aware of:

• The fact that we have collected, or may collect, your information from a third party
• The types of information collected, which may include identification details, financial information, insurance information, medical information, lending information, and other information relevant to the services we provide
• The purpose for collecting the information, including providing financial advice, assessing insurance or lending applications, managing products and services, meeting legal and regulatory obligations, and supporting administration and compliance requirements
• The intended recipients of the information, which may include insurers, lenders, product providers, compliance advisers, technology providers, and regulatory authorities where required

The name and address of the agency collecting and holding the information:

Enlightened Life Limited
Trading as Smart Adviser and iLender
FSP532766
Email: [email protected]
Phone: 021 283 5065

Your rights to request access to, and correction of, your personal information in accordance with the Privacy Act 2020.

Why we collect your information

We use your information to:

• Provide financial advice and recommendations
• Arrange and manage insurance, lending, and investment products
• Communicate with product providers on your behalf
• Meet our legal and regulatory obligations
• Improve our services

Who we share your information with

We may share your information with:

• Insurance companies and product providers
• Lenders and financial institutions
• Compliance and regulatory bodies
• Service providers who support our business (e.g. CRM systems and technology providers)

We only share information where necessary and ensure appropriate safeguards are in place.

Overseas disclosure

Some of our service providers may store or process data overseas.

Where this occurs, we take reasonable steps to ensure your information is protected in a way that is comparable to New Zealand privacy standards, or we obtain your authorisation where required.

How we store and protect your information

Your information is stored securely using systems such as:

• Microsoft Office 365 (Outlook, Teams, OneDrive, SharePoint)
• Trail CRM
• Hubspot
• Text Reload
• Other approved service providers

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

How long we keep your information

We retain your information for at least 7 years after our relationship ends, as required by law.

After this period, your information is securely deleted or destroyed.

Your rights

You have the right to:

• Request access to your personal information
• Request correction of any incorrect information

To do this, please contact us using the details below.

Meeting recordings

We may use tools such as Marloo to record client meetings for note-taking, training, and quality assurance purposes.

Where we record a meeting, we will:

• Inform you in advance that the meeting will be recorded
• Explain the purpose of the recording
• Obtain your consent before recording begins

Recordings may capture personal information discussed during the meeting and will be:

• Stored securely within our approved systems
• Accessible only to authorised personnel
• Retained only for as long as necessary, in line with our record keeping obligations

In some cases, recordings may be processed or stored using third-party platforms, which may involve overseas data storage. Where this occurs, we take reasonable steps to ensure your information is protected in accordance with New Zealand privacy standards.

You can request access to your information, including recordings, at any time.

Cookies and Analytics

Our website uses cookies and similar technologies to improve your experience and understand how our website is used.

What are cookies?

Cookies are small data files stored on your device when you visit a website. They help websites remember your preferences and track how users interact with the site.

How we use cookies

We use cookies and analytics tools to:

• Understand how visitors use our website
• Improve website functionality and user experience
• Measure the effectiveness of our marketing

Analytics and third-party tools

We may use third-party services such as:

• Google Analytics to analyse website traffic and usage
• Meta (Facebook) Pixel to measure advertising performance and deliver relevant ads

These providers may collect information such as:

• IP address
• Browser type and device information
• Pages visited and time spent on the website

This information may be stored on servers located outside New Zealand.

Your choices

You can choose to disable cookies through your browser settings. Please note that some parts of the website may not function properly if cookies are disabled.

You can also learn more about how these providers use your information:

• Google: https://policies.google.com/privacy
• Meta: https://www.facebook.com/privacy/policy

Consent

By using our website, you consent to the use of cookies and analytics tools as described in this Privacy Statement.

Privacy breaches

If a privacy breach occurs that is likely to cause serious harm, we will:

• Notify the Privacy Commissioner
• Notify affected individuals where required

Contact us

If you have any questions about this Privacy Statement or your information, please contact:

Enlightened Life Limited

Email: [email protected]

Phone: 021 283 5065

Updates to this statement

We may update this Privacy Statement from time to time. The latest version will always be available on our website.