Last updated: 5 November 2026
Find a Mortgage Broker in plain English
This short section explains how Find a Mortgage Broker (findamortgagebroker.nz) uses your information. The full policy follows.
- What we collect: what you type into a calculator or form (such as your name, email, phone number and the numbers you enter), and basic information about how you use the site. For advisers and firms, we hold the details on the public Financial Service Providers Register and the details you give us when you claim your listing.
- Your details go to the adviser you choose: when you send a calculator result or an enquiry, we send your details and results to you and to the adviser or firm you chose, so they can help you. No other adviser sees them.
- Who runs it: Riverhorse Technologies Limited runs Find a Mortgage Broker, NZMAI, CalcStudio and ClientConnection. We don't send clients marketing emails. Advisers and firms may hear about related services and offers if they agree when they claim their listing, and they can turn offers off in their account at any time.
- Unsubscribing: every marketing email has an Unsubscribe link that works straight away. Advisers and firms can also turn off “Offers from related services” in their account. Emails about your enquiry, or about your listing while you have one, carry on.
- Seeing or correcting your information: email info@riverhorse.io and we will tell you what we hold about you and correct anything that is wrong.
1. About this Privacy Policy
Riverhorse Technologies Limited respects your privacy and is committed to handling personal information in accordance with the New Zealand Privacy Act 2020.
In this Privacy Policy, Riverhorse, we, us and our mean Riverhorse Technologies Limited.
Our contact details are:
This Privacy Policy explains how we collect, use, hold, analyse and disclose personal information through Riverhorse websites, platforms, calculators, customer review services and other digital services.
2. Websites and services covered
This Privacy Policy applies to Riverhorse operated websites and services that link to it, including where applicable:
- riverhorse.co.nz
- MyRateCheck.co.nz
- HowMuchCanIBorrow.co.nz
- MortgageCalculatorNZ.co.nz
- BusinessLoanCalculator.co.nz
- FindAMortgageBroker.nz
- NZMAI (nzmai.co.nz)
- CalcStudio.io
- ClientConnection.io
- Riverhorse operated landing pages, calculators, review services and feeder websites
- Any future website, application, calculator, microsite or digital service operated by Riverhorse Technologies Limited that links to this Privacy Policy
A particular website or service may also display a Site Privacy Notice explaining how personal information is used for that particular service.
If a site is operated by another legal entity, that site’s own privacy terms may apply instead.
3. Personal information we may collect
The information we collect depends on the website or service you use.
It may include:
- Your name.
- Email address.
- Telephone or mobile number.
- Address, location or region.
- Property information.
- Mortgage balance.
- Mortgage lender.
- Interest rate.
- Remaining mortgage term.
- Repayment information.
- Fixed rate expiry or review timing.
- Property ownership information.
- First home buyer information.
- Deposit information.
- Income, expenses, liabilities and other financial information where relevant to the service.
- Business and business finance information.
- Information you provide when using a calculator, questionnaire, application or review tool.
- Your objectives, preferences, questions and reasons for seeking assistance.
- Information contained in communications with Riverhorse or through our systems.
- Adviser, business and professional information where you use one of our adviser or business platforms.
- Professional information about financial advisers and Financial Advice Providers, including details from the Financial Service Providers Register (such as name, FSP number, Financial Advice Provider, licence details, advice types and business address), and business contact details.
- Recordings and transcripts of telephone calls, including calls made with AI-assisted calling technology, where we tell you a call may be recorded.
- Consent, communication and contact preferences.
- Information about how you interact with our websites and services.
- Technical information such as browser type, device information, referring page, approximate location, IP address and website usage information where collected by the relevant service.
We will not necessarily collect every category listed above from every user.
4. How we collect information
We may collect personal information:
- Directly from you when you use a Riverhorse website, calculator, form, application or service.
- When you communicate with us by telephone, email, text message or another communication channel.
- Through an adviser, Financial Advice Provider or business using a Riverhorse service.
- From another organisation that has collected information from you and is authorised or otherwise lawfully able to provide it to us.
- From a marketing, referral, data or service provider where the collection and subsequent use are lawful.
- From publicly available information where permitted.
- From public registers, including the Financial Service Providers Register and the Companies Office.
- Through cookies, analytics and similar technologies used by our websites.
Where Riverhorse deliberately collects personal information about you from another person or organisation, we will take reasonable steps to provide any notification required by the Privacy Act 2020.
5. Why we collect and use information
We may use personal information to:
- Provide the website, calculator, review or service you requested.
- Produce indicative calculations, comparisons, reports and scenarios.
- Understand the objective or purpose of your enquiry.
- Identify services or options that may be relevant to you.
- Respond to questions and requests.
- Determine whether an adviser, Financial Advice Provider, lender, finance provider or other professional may be able to assist you.
- Connect you with an appropriate adviser or provider where you request this.
- Operate ClientConnection and other Riverhorse platforms.
- Publish professional directory listings of financial advisers and Financial Advice Providers (see section 7A).
- Contact advisers and Financial Advice Providers about their listing and about Riverhorse services, in line with section 10.
- Administer adviser and business accounts.
- Prevent duplicate enquiries, fraud, misuse or unauthorised access.
- Maintain records of consent and communications.
- Improve our calculators, websites, systems and services.
- Analyse service performance and customer journeys.
- Undertake statistical, product and system development.
- Meet legal, regulatory, security and compliance requirements.
- Protect our rights and the rights of our customers and users.
- Carry out another purpose you have authorised or that is permitted by law.
We use the information you give us when setting up your listing to run your listing, match enquiries to you, and to tell you about Riverhorse services that fit how you work.
We will only collect information that we reasonably require for a lawful purpose connected with our activities.
6. Indicative analysis and technology
Some Riverhorse services use software, calculation engines, automation or artificial intelligence to analyse information, produce indicative calculations, identify potential options, organise enquiries or help determine which type of adviser or provider may be relevant.
These tools may use information you provide together with available product, rate, market or other information.
An indicative calculation, comparison or system generated result is not necessarily financial advice, approval or an offer from a lender or provider.
Where financial advice is required, it must be provided by an appropriately authorised financial adviser or Financial Advice Provider.
7. Connecting you with an adviser or provider
One purpose of some Riverhorse services is to help a person identify whether further assistance may be worthwhile and, where that person wants assistance, connect them with an appropriate adviser or provider.
Where a website asks whether you would like someone to contact you, selecting the affirmative option authorises Riverhorse to use and disclose relevant personal information for that purpose.
Depending on the service, this may include providing a selected adviser, Financial Advice Provider, finance provider or other relevant provider with:
- Your identity and contact information.
- The information relevant to your enquiry.
- Calculator or modelling information.
- Your stated objectives and preferences.
- Information about the reason you requested assistance.
- Relevant communications or structured summaries.
- Other information reasonably required to respond to your request.
The specific website notice will explain the intended recipients and the action that authorises the referral.
7A. Adviser and Financial Advice Provider directory listings
FindAMortgageBroker.nz publishes directory listings of New Zealand financial advisers and Financial Advice Providers, compiled from the Financial Service Providers Register and other lawful sources.
A basic listing shows professional information only: name, FSP number, Financial Advice Provider, licence details, advice types and the region or town where the adviser works.
We hold business contact details so that we can forward client enquiries and contact advisers about their listing. We never publish an adviser’s phone number or email address. Clients contact advisers through FindAMortgageBroker.nz.
If an adviser gives us a recovery email, it's only used to keep access to their listing.
Our emails to advisers may record whether the email was opened and whether a link was clicked, so we know our messages are arriving.
An adviser can claim their listing to check and update it, add further information or choose where enquiries are sent. An adviser can ask us to correct their listing, stop contacting them, or hide their listing, by using the links on their listing or in our emails, or by emailing info@riverhorse.io.
8. Commercial referral and qualified enquiry fees
Riverhorse operates commercial technology, referral and connection services.
Riverhorse may charge or receive a fee for:
- Introducing a customer to an adviser or provider.
- Supplying a qualified customer enquiry.
- Giving an adviser access to a qualified enquiry through ClientConnection or another Riverhorse service.
- Technology or qualification services associated with an enquiry.
- Referral, marketplace, subscription or other commercial services.
This means Riverhorse may receive payment when relevant personal information is provided to an adviser or provider for the purpose that has been explained to you and authorised by you.
Payment to Riverhorse does not give the recipient unrestricted ownership of your personal information or authority to use it for unrelated purposes.
Riverhorse does not provide unrestricted customer databases or personal information to unrelated organisations for purposes that have not been disclosed, authorised or otherwise permitted by law.
9. Who we may disclose personal information to
Depending on the service and purpose, information may be disclosed to:
- Mortgage advisers.
- Financial Advice Providers.
- Business finance advisers.
- Lenders or finance providers where appropriate and authorised.
- Professional service providers assisting Riverhorse.
- Hosting, database, communications, analytics and technology providers.
- Identity, fraud prevention or verification providers where required.
- Payment providers where a payment service is used.
- Contractors working for Riverhorse who require access to perform their duties.
- Regulators, government agencies, courts or other persons where disclosure is required or permitted by law.
- Another person or organisation you specifically authorise.
We will limit disclosure to information reasonably relevant to the applicable purpose.
10. Marketing and electronic communications
We may communicate with you about the service you requested, your enquiry, a review, an adviser connection or another transaction or service involving you.
Where we send commercial electronic marketing communications, we will comply with applicable New Zealand electronic messaging requirements.
Where required, we will obtain or rely upon an appropriate form of consent before sending commercial electronic messages.
Commercial electronic communications will identify the sender and provide an appropriate method for stopping future marketing communications.
You can withdraw your marketing consent or unsubscribe from marketing communications.
Stopping marketing communications does not necessarily prevent us from sending service, security, transactional or administrative communications that are reasonably required in connection with a service you are using.
Riverhorse Technologies Limited runs Find a Mortgage Broker, NZMAI, CalcStudio and ClientConnection. We don't send clients tips or offers. We send tips and offers about these related services only to advisers and firms who agree when they claim their listing (they can turn “Offers from related services” off in their account at any time). Every such email has an Unsubscribe link, and we keep a record of each permission and each withdrawal.
11. Cookies, analytics and website information
Our websites may use cookies and similar technologies to:
- Operate the website.
- Maintain security.
- Remember settings.
- Understand website usage.
- Measure performance.
- Improve services.
- Understand the source of enquiries.
- Measure marketing or advertising effectiveness where applicable.
Each site identifies any material analytics, advertising or tracking technologies it uses in its Site Privacy Notice or cookie information.
12. Information received from another organisation
Riverhorse may sometimes receive your personal information from another organisation rather than directly from you.
Where the Privacy Act 2020 requires us to notify you about an indirect collection, Riverhorse will take reasonable steps to make you aware of:
- The fact that we have collected your information.
- Why we have collected it.
- The intended recipients.
- Riverhorse Technologies Limited as the agency collecting and holding the information, where applicable.
- Our address.
- Any relevant statutory authority for the collection where applicable.
- Your rights to request access to and correction of your information.
A site or communication may provide this information through a specific privacy notice linked to this Privacy Policy.
13. Overseas services and service providers
Riverhorse may use technology and service providers that operate, store information or process information outside New Zealand.
These include providers of cloud hosting and databases, email delivery, payments, analytics, artificial intelligence services and office software.
Where the Privacy Act 2020 applies to disclosure of personal information outside New Zealand, Riverhorse will take steps required by that Act to ensure that the disclosure is permitted and that appropriate privacy safeguards apply.
14. Protecting personal information
Riverhorse uses reasonable administrative, technical and organisational safeguards designed to protect personal information against loss, unauthorised access, unauthorised use, modification, disclosure and other misuse.
Access to personal information is limited to people and systems that require it for an authorised purpose.
We record the IP address and approximate location of sign-ins, claims and changes to listings to protect advisers' listings from misuse. Only Riverhorse staff can see them.
No internet or electronic storage system can provide an absolute guarantee against every security risk.
15. How long we keep personal information
Riverhorse will retain personal information only for as long as reasonably required for a lawful purpose, including providing services, maintaining appropriate business and consent records, resolving disputes and meeting legal or regulatory obligations.
Different types of information may have different retention periods.
Information that is no longer required is securely deleted, anonymised or otherwise disposed of.
16. Accessing and correcting your information
You may ask Riverhorse whether we hold personal information about you and request access to that information.
You may also ask us to correct personal information that you believe is inaccurate, incomplete, out of date or misleading.
We may need to verify your identity before processing a request.
Privacy requests can be sent to:
Please mark your communication for the attention of the Privacy Officer.
17. Privacy complaints
If you have a concern about how Riverhorse has handled your personal information, please contact our Privacy Officer first so that we can investigate the issue.
You may also have the right to make a complaint to the New Zealand Office of the Privacy Commissioner.
You can contact the Office of the Privacy Commissioner at www.privacy.org.nz.
18. Privacy breaches
Riverhorse maintains processes for identifying, investigating and responding to privacy and information security incidents.
Where a privacy breach is notifiable under the Privacy Act 2020, Riverhorse will take the notification and response steps required by law.
19. Changes to this Privacy Policy
We may update this Privacy Policy when our services, technology, websites or legal obligations change.
The current version will show its effective or last updated date.
Material changes that affect how personal information is collected, used or disclosed will also be reflected in the relevant Site Privacy Notice and collection process.
20. Contact
Questions about this Privacy Policy or Riverhorse’s handling of personal information can be sent to: