Privacy Policy
Last updated: 28 September 2026
Introduction
Spectra Financial Services Limited ("Spectra") respects your privacy and is committed to protecting your personal information.
This Privacy Policy explains how we collect, use, store and protect personal information when providing financial advice services and operating our website.
Spectra collects and handles personal information in accordance with the Privacy Act 2020 and applicable financial advice obligations.
Information We Collect
We collect personal information that is reasonably necessary to provide our services and meet our legal and regulatory obligations.
The information we collect may include:
Contact and identification information.
Financial information and details about your circumstances.
Information about your goals, priorities, and financial objectives.
Information provided through client questionnaires, fact finds, meetings, emails, and website enquiries.
We only collect information that is reasonably necessary for the services we have agreed to provide.
How We Collect Information
We may collect information through:
Client meetings, including video calls and in-person meetings.
Email correspondence.
Website enquiry forms.
Client questionnaires and fact finds.
How We Use Your Information
We use your information to:
Understand your circumstances, goals and objectives.
Provide financial advice and related services.
Prepare financial analysis, recommendations and advice.
Meet our legal and regulatory obligations.
Respond to enquiries and communicate with you.
Maintain records of the advice and services we provide.
How We Store and Protect Your Information
We take reasonable steps to protect your personal information from loss, misuse, unauthorised access or disclosure.
Client information may be stored using secure cloud-based systems and other technology services used to operate our business.
Access to client information is limited to those who need it for legitimate business or regulatory purposes.
Some of our service providers may store or process information outside New Zealand. Where this occurs, we take reasonable steps to ensure personal information is handled in accordance with applicable privacy obligations.
Sharing Your Information
We do not sell client information or share client information with financial product providers as part of providing our advice services.
We may share information where:
You have authorised us to do so.
It is necessary to provide agreed services.
It is required by law or regulatory obligations.
A service provider needs the information to provide services to Spectra.
You request that we provide information to another professional adviser or service provider.
Where appropriate, we may recommend engaging other professionals, such as lawyers, accountants or specialist advisers. We will generally only share your information with another professional with your consent, unless we are otherwise required or permitted to do so by law.
Website Cookies and Analytics
Our website uses cookies and website analytics tools, including services provided through Squarespace, to help us understand visitor behaviour and improve website functionality.
These tools may collect information such as website usage patterns and general visitor activity. This information is used to improve the performance and user experience of our website.
You can manage cookie settings through your web browser settings.
Website Links and Third-Party Services
Our website may contain links to third-party websites or services, including appointment booking services.
We are not responsible for the privacy practices of external websites or services. We recommend reviewing their privacy policies before providing personal information to them.
Retention of Information
We retain personal information for as long as reasonably necessary for the purposes for which it was collected and for the periods required by applicable legal and regulatory obligations.
For financial advice records, this generally includes a minimum retention period of seven years.
Your Rights
You have the right to request access to, or correction of, the personal information we hold about you.
If you would like to request access to your information, request a correction, or raise a privacy concern, please contact us using the details below.
If you are not satisfied with how we have handled your privacy concern, you can also make a complaint to the Office of the Privacy Commissioner.
Contact Us
If you have any questions about this Privacy Policy, wish to request access to or correction of your personal information, or have any privacy concerns, please contact:
Privacy Officer
Piet Witteveen
Spectra Financial Services Limited
Email: piet@spectrafinancial.co.nz
Phone: 021 178 2700