Privacy policy
Last updated: 29 July 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 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:
Provide financial advice and related services.
Understand your circumstances, goals, and objectives.
Prepare financial analysis, recommendations, and advice.
Meet our legal and regulatory obligations.
Respond to enquiries and communicate with you.
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, including Microsoft 365 and cloud storage solutions.
Access to client information is limited to those who need it for legitimate business or regulatory purposes.
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.
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 only share information with your consent.
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 and recommend reviewing their privacy policies before providing personal information.
Retention of Information
We retain client information for as long as required to meet our legal and regulatory obligations.
As a Financial Advice Provider, Spectra generally retains client records for at least seven years as required under applicable obligations.
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 or have any privacy concerns, please contact us.
Contact Us
If you have any questions about this Privacy Policy, wish to request access to 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