Protecting your private information and data is important to us.
Last Updated: 3 September 2024
This Privacy and Data Collection Policy (Privacy Policy) describes our policies and procedures on our collection, use and disclosure of your information and tells you about your privacy rights and how the law protects you. We are bound by, and will abide by, the requirements of the Privacy Act 2020.
We use your personal data to provide and improve our services.
IMPORTANT. PLEASE READ: By using the services that we provide, whether through our website or otherwise, you agree to the collection, use and disclosure of information in accordance with this Privacy Policy. In providing this information to us, you consent to the matters set out in this Privacy Policy.
For the purposes of this Privacy Policy:
While using our service, we may ask you to provide us with certain personally identifiable information about you. Personally identifiable information may include, but is not limited to:
Your personalised quote or credit application will ask for information about your credit status, including income, expenses, bank statements and other information regarding your credit history.
In some cases, we will also ask for information in relation to your spouse or partner, especially where information contained in your credit application relates to shared income and expenses.
By providing this information to us, you confirm that that all information contained in your personalised quote or credit application is true and correct.
Usage data is collected automatically when using our services.
Usage data may include information such as your device’s internet protocol address (e.g. IP address), browser type, browser version, the pages of our website that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
When you access our services by or through a mobile device, we may collect certain information automatically, including, but not limited to, the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile internet browser you use, unique device identifiers and other diagnostic data.
We may also collect information that your browser sends whenever you visit our website or when you access our services by or through a mobile device.
Cookies are small files that are placed on your computer, mobile device or any other device by a website, containing the details of your browsing history on that website.
We use cookies and similar tracking technologies to track the activity on our services. Tracking technologies collect and track certain information . The use of these technologies is intended to improve and analyse our services. Further information on the technologies we may use is set out in Appendix 1.
We may use personal data for the following purposes:
For the purposes of providing our services we may disclose information to the following persons for the following purposes:
Your information, including your personal data, is processed at our offices and in any other places where our service providers are located. It means that this information may be transferred to, and maintained on, computers located outside of New Zealand. The data protection laws in these jurisdictions may differ from New Zealand.
By providing this information to us, you consent to this Privacy Policy and agree to that transfer.
We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy. No transfer of your personal data will take place to an organisation or a country unless there are adequate controls in place in respect of the security of your data and other personal information in that jurisdiction.
Under certain circumstances, we may be required to 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 a government agency).
We may also disclose your personal data in the good faith belief that such action is necessary to:
You authorise any third party to provide your personal information to us for any of the above purposes.
You understand and agree that if we disclose your personal information to a credit agency, they may:
You confirm that, if applicable, you have the permission of your spouse or partner to disclose details of any shared income and expenses.
You agree that we may communicate with you via mail, email, telephone, sms, app for all purposes including general communications and promotions. If we provide you with a loan or any other financial products, you consent to documents required by law being sent by mail or in electronic form.
Your personal information will be held by us in a secure manner which protects against loss and unauthorised access, use or disclosure. The security of your personal data is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal data, we cannot guarantee its absolute security.
We will retain your personal data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your personal data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.
We will also retain usage data for internal analysis purposes. Usage data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our services, or we are legally obliged to retain this data for longer time periods.
You may request access to your personal information by emailing us at [email protected]. We will, as far as possible, provide you with a copy of the personal information we keep about you. There may be circumstances where we cannot provide this information to you. For example, if the information does not exist, cannot be found or is not easily retrievable.
You may request us to delete your personal data in whole or in part by emailing us at [email protected] . We are happy to comply with such a request provided we are no longer required by law to retain this information.
You also have the right to request correction of any information we hold about you by emailing us at [email protected].
We do not provide our services to anyone under the age of 18. In addition, we do not knowingly collect personally identifiable information from anyone under the age of 13. If you are a parent or guardian and you are aware that your child has provided us with personal data, please contact us. If we become aware that we have collected personal data from anyone under the age of 13 without verification of parental consent, we will take steps to remove that information from our servers.
If we need to rely on consent as a legal basis for processing your information and New Zealand law requires consent from a parent, we may require your parent’s consent before we collect and use that information.
Our website may contain links to other websites that are not operated by us. 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.
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new privacy and data collection policy on this page.
We will let you know via email and/or a prominent notice on our website, prior to the change becoming effective and update the “Last updated” date at the top of this Privacy Policy.
You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
If you have any questions about this Privacy Policy, You can contact us:
The technologies we use will likely change over time as newer technologies become available. As at the date of this Privacy Policy, these technologies may include:
Cookies can be “Persistent” or “Session” Cookies. Persistent Cookies remain on your personal computer or mobile device when you go offline, while Session Cookies are deleted as soon as you close your web browser.
We use both Session and Persistent Cookies for the purposes set out below:
Type: Session cookies
Administered by: Us
Purpose: These cookies are essential to provide you with services available through the website and to enable you to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these cookies, the services that you have asked for cannot be provided, and we only use these cookies to provide you with those services.
Type: Persistent cookies
Administered by: Us
Purpose: These cookies identify if users have accepted the use of cookies on the website.
Type: Persistent Cookies
Administered by: Us
Purpose: These cookies allow us to remember choices you make when you use the website, such as remembering your login details or language preference. The purpose of these cookies is to provide you with a more personal experience and to avoid you having to re-enter your preferences every time you use the website.
