Privacy Policy

Last Updated: February 6, 2026

At FloatOrFix (“we”, “us”, or “our”), we value your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, and store your information when you use our website (floatorfix.co.nz) and our mortgage strategy tools.

By accessing or using our Service, you agree to the collection and use of information in accordance with this policy.

1. Information We Collect

We collect only the information necessary to provide our Deep Research analysis and ensure the security of our platform.

A. Personal Information

When you request access to the tool, we ask for:

  • Name: To personalize your experience.

  • Email Address: Used to send your unique Access Code and verifying that you are a human (not a bot).

B. Financial Input Data

To generate your mortgage strategy, you may input:

  • Mortgage Amount: Used solely to calculate potential interest savings.

  • Loan Preferences: Your preferred terms (e.g., 1 year vs. 5 years) and financial personality (e.g., “Stability” vs. “Lowest Cost”).

Note: We do not collect credit card numbers, bank account logins, or connect directly to your bank accounts.

C. Usage Data

We may collect information on how the Service is accessed and used (“Usage Data”). This may include your computer’s Internet Protocol address (e.g. IP address), browser type, browser version, and the pages of our Service that you visit.

2. How We Use Your Information

We use the collected data for the following purposes:

  • Verification & Security: We use your email to send a secure Access Code. This “human verification” step protects our AI systems from abuse by automated bots.

  • To Provide the Service: Your mortgage inputs are processed by our system (powered by n8n and AI algorithms) to generate your personalized strategy report.

  • Communication: We may contact you with newsletters, market updates, or information about new features, provided you have opted-in to receive such communications. You can unsubscribe at any time.

  • Improvement: To analyze usage trends and improve the accuracy of our mortgage algorithms.

3. Data Storage and Retention

Your data is stored securely in databases managed by us. We employ industry-standard security measures to protect your information from unauthorized access.

  • Verification Codes: We regularly purge old verification codes and associated temporary data to keep our systems clean.

  • Retention: We retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy.

4. Sharing of Data

We do not sell your personal data to banks or mortgage lenders.

We may share your data only in the following limited circumstances:

  • Service Providers: We may employ third-party companies (such as email delivery services like MailPoet or analytics providers) to facilitate our Service. These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

  • Legal Requirements: We may disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency).

5. Cookies and Tracking

We use Cookies and similar tracking technologies to track the activity on our Service and hold certain information.

  • You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use the login/verification portions of our Service.

6. Your Rights (Privacy Act 2020)

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

  • Ask for access to your personal information.

  • Ask to have any wrong information corrected.

  • Request deletion of your personal data (where applicable).

If you’d like to exercise any of these rights, please contact us at the email link below.

7. Third-Party Links

Our Service may contain links to other sites that are not operated by us (e.g., “Buy Me a Coffee” or external bank websites). If you click on a third-party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

8. Disclaimer

FloatOrFix is a technology tool, not a Financial Advice Provider. The data collected and the reports generated are for informational purposes only. We do not provide personalized financial advice. For specific advice regarding your mortgage, please consult a qualified mortgage broker or financial adviser.

9. Contact Us

If you have any questions about this Privacy Policy, please contact us via our Contact Page.