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Privacy Policy
Last updated: 09 May 2026
Echo Financial Advisors Ltd is committed to protecting your privacy and handling your personal information with care, confidentiality, and transparency.
This Privacy Policy explains how we collect, use, store, disclose, and protect personal information when you visit our website, contact us, book a meeting, request information, use our services, or otherwise interact with us.
Echo Financial Advisors Ltd is a New Zealand financial advice provider. We comply with the Privacy Act 2020 and applicable New Zealand privacy, financial advice, anti-money laundering, and record-keeping obligations.
1. Who we are
This website is owned and operated by:
Echo Financial Advisors Ltd
Financial Advice Provider
FSP1001566
Website: www.echo-financial-advisors.co.nz
Email: info@echo-financial-advisors.co.nz
For privacy-related matters, you can contact:
Echo Financial Advisors Ltd
2. Information we may collect
We may collect personal information about you when it is reasonably necessary for our business, advisory, compliance, or website functions.
The information we collect may include:
- your name, email address, phone number, and contact details;
- information you provide through website forms, booking forms, emails, questionnaires, or consultation requests;
- information about your financial goals, investment experience, risk tolerance, investment timeframe, portfolio, KiwiSaver, assets, liabilities, income, expenses, and financial circumstances;
- information needed to assess whether our services are suitable for you;
- identification, address, source-of-funds, source-of-wealth, tax residency, or other information required for anti-money laundering, countering financing of terrorism, tax, regulatory, or legal obligations;
- records of communications between you and Echo Financial Advisors Ltd;
- meeting notes, file notes, advice records, client instructions, and supporting documents;
- website usage information, including IP address, browser type, device information, pages visited, referral source, and interaction data;
- cookie, analytics, and marketing preference information;
- information provided by third-party service providers where this is necessary to deliver our services or comply with legal obligations.
We will only collect information that is reasonably necessary for the purpose for which it is collected.
3. How we collect information
We may collect personal information directly from you when you:
- visit or use our website;
- complete an online form;
- book a call, meeting, diagnostic review, or consultation;
- contact us by email, phone, website form, video call, or other communication method;
- provide documents, statements, screenshots, reports, financial information, or identification material;
- engage us to provide financial advice or related services;
- subscribe to updates, newsletters, insights, or other communications;
- respond to questionnaires, surveys, reviews, or client information requests.
We may also collect information from third parties where this is authorised by you, permitted by law, or necessary for us to provide services or meet our obligations. This may include product providers, investment platforms, custodians, brokers, banks, verification providers, regulatory bodies, professional advisers, or other service providers.
4. Why we collect and use personal information
We may collect and use your personal information for the following purposes:
- to respond to your enquiries;
- to assess whether Echo Financial Advisors Ltd is the right fit for your needs;
- to book and manage meetings, calls, reviews, and consultations;
- to provide investment planning, portfolio review, KiwiSaver review, diagnostic review, or related financial advice services;
- to understand your goals, needs, financial circumstances, risk tolerance, and investment timeframe;
- to prepare advice, reports, recommendations, diagnostics, working papers, or other client documents;
- to communicate with you about your enquiry, engagement, review, or ongoing service;
- to verify your identity and meet anti-money laundering and countering financing of terrorism obligations;
- to comply with financial advice, tax, regulatory, licensing, record-keeping, and legal obligations;
- to maintain appropriate business, compliance, audit, advice, and client records;
- to manage complaints, disputes, incidents, or regulatory enquiries;
- to improve our website, services, client experience, and business operations;
- to monitor website performance, analytics, security, and user experience;
- to send relevant updates, insights, or marketing communications where permitted and where you have not opted out.
We will not use your personal information for purposes unrelated to the reason it was collected unless permitted by law or authorised by you.
5. Financial advice and sensitive information
Because Echo Financial Advisors Ltd provides investment-related financial advice services, some of the information we collect may be detailed, personal, or financially sensitive.
This may include information about your assets, liabilities, income, expenses, investment portfolio, KiwiSaver, retirement plans, investment goals, risk tolerance, tax residency, and other personal circumstances relevant to financial advice.
We collect this information so that we can understand your position, assess suitability, provide appropriate services, and meet our legal and professional obligations.
If you do not provide information we reasonably need, we may be unable to provide advice, or the advice we provide may be limited.
7. Marketing communications
We may use your contact details to send you relevant updates, insights, articles, service information, or marketing communications.
You can unsubscribe from marketing communications at any time by using the unsubscribe option in the relevant communication or by contacting us at:
info@echo-financial-advisors.co.nz
We will still send you non-marketing communications where necessary, including service, engagement, compliance, legal, security, or administrative messages.
8. Use of AI-assisted tools and technology
Echo Financial Advisors Ltd may use technology tools, including AI-assisted tools, to support administration, research, analysis, drafting, review, document preparation, workflow management, and business operations.
AI-assisted tools do not replace adviser judgement. Financial advice is reviewed, approved, and delivered by a human financial adviser.
When using AI-assisted tools or third-party technology providers, we take reasonable steps to protect confidentiality, avoid unnecessary disclosure of sensitive personal information, and apply appropriate privacy and security controls.
We do not intentionally use AI tools to make final financial advice decisions without human adviser review.
9. Who we may disclose information to
We may disclose your personal information where reasonably necessary for the purposes described in this Privacy Policy.
This may include disclosure to:
- product providers, investment platforms, brokers, custodians, banks, fund managers, or other financial service providers;
- identity verification, AML/CFT, source-of-funds, or compliance service providers;
- professional advisers, including accountants, lawyers, tax advisers, auditors, consultants, or compliance specialists;
- technology, website, cloud hosting, CRM, document management, email, analytics, scheduling, security, backup, and business systems providers;
- regulators, government agencies, dispute resolution schemes, courts, law enforcement bodies, or other authorities where required or permitted by law;
- third parties authorised by you;
- service providers who support our business operations under confidentiality and privacy obligations.
We do not sell your personal information.
10. Overseas storage and processing
Some of the third-party service providers we use may store, process, access, or back up personal information outside New Zealand.
This may include providers of website hosting, analytics, email, cloud storage, scheduling, CRM, document management, security, AI-assisted tools, payment processing, and business operations systems.
Where personal information is disclosed to an overseas provider, we take reasonable steps to ensure appropriate privacy, confidentiality, and security safeguards apply. This may include using reputable providers, contractual protections, security controls, privacy terms, and other measures designed to protect personal information in a way that is appropriate for the nature of the information and the service being provided.
By using our website or services, you acknowledge that your personal information may be processed or stored outside New Zealand where this is reasonably necessary for our business, advisory, compliance, or technology operations.
11. Payment information
If payments are made online or through third-party payment systems, payment information may be processed by external payment providers.
Echo Financial Advisors Ltd does not intentionally store full credit-card details on its own systems.
Payment providers may collect and process payment information in accordance with their own privacy, security, and payment processing terms.
12. Security of personal information
We take reasonable steps to protect personal information from loss, unauthorised access, misuse, disclosure, alteration, or destruction.
Security measures may include:
- access controls;
- password protection and authentication controls;
- secure cloud systems;
- encryption where appropriate;
- document and record management controls;
- confidentiality obligations;
- limited access to client information;
- lsecurity monitoring and system updates;
- staff, contractor, and adviser obligations relating to confidentiality and privacy.
No method of transmission or storage is completely secure. However, we take privacy and security seriously and apply reasonable safeguards appropriate to the nature of the information we hold.
13. Retention of information
We retain personal information for as long as reasonably necessary for the purpose for which it was collected and to meet our legal, regulatory, tax, financial advice, AML/CFT, professional, dispute resolution, and record-keeping obligations.
As a financial advice provider, we may be required to retain advice records, client instructions, supporting documents, compliance records, and related information for statutory record-keeping periods.
When information is no longer required, we will take reasonable steps to securely delete, destroy, de-identify, or archive it, unless we are required or permitted by law to retain it.
14. Accuracy of information
We rely on the information you provide to assess your needs, prepare advice, and meet legal obligations.
You are responsible for ensuring that the information you provide is accurate, complete, and up to date.
Please tell us promptly if your personal information, financial circumstances, contact details, tax residency, investment objectives, risk tolerance, or other relevant circumstances change.
15. Accessing and correcting your information
You have the right to request access to personal information we hold about you.
You may also ask us to correct personal information if you believe it is inaccurate, incomplete, out of date, or misleading.
To request access or correction, please contact:
Privacy Officer
Echo Financial Advisors Ltd
Email: info@echo-financial-advisors.co.nz
We may need to verify your identity before responding to your request.
We will respond to access and correction requests in accordance with the Privacy Act 2020. In some cases, we may be legally permitted to refuse a request, in whole or in part. If we do so, we will explain the reason where required.
16. Privacy breaches
If we become aware of a privacy breach, we will assess the breach and take appropriate steps to contain, investigate, and manage it.
If a privacy breach has caused, or is likely to cause, serious harm, we will notify affected individuals and the Office of the Privacy Commissioner where required by the Privacy Act 2020.
17. Third-party websites and links
Our website may contain links to third-party websites, platforms, booking tools, payment providers, articles, resources, or external services.
We are not responsible for the privacy practices, security, accuracy, or content of third-party websites or services.
Before providing personal information to a third-party website or service, you should review that provider’s privacy policy and terms.
18. Children and young people
Our website and services are intended for adults seeking financial information or financial advice services.
We do not knowingly collect personal information from children or young people unless it is provided by a parent, guardian, authorised representative, or where it is necessary and lawful in the context of financial advice or related services.
19. Changes to this Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our services, website, technology, legal obligations, or business practices.
The updated version will be published on our website with the “Last updated” date amended.
Your continued use of our website or services after changes are published will indicate that you accept the updated Privacy Policy.
20. Contact us
If you have any questions, concerns, access requests, correction requests, or complaints about how we handle personal information, please contact:
Privacy Officer
Echo Financial Advisors Ltd
Email: info@echo-financial-advisors.co.nz
Website: www.echo-financial-advisors.co.nz
If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner.
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