1.2 Your privacy is important to us. We are bound by the Privacy Principles contained in the Privacy Act 1993 (Privacy Act).
1.6 References to the Privacy Act includes any subordinate legislation, by-law, regulation, order, statutory instrument or determination made under it, any re-enactment of, or amendment to, the Privacy Act and all legislation passed in substitution for that legislation.
2.1 Personal Information (Personal Information) is any information that can or may be used to identify you and may include:
2.1.1 Contact details, including your name, email address, physical and/or postal address, telephone number and other contact details;
2.1.2 Information about your income and liabilities including information contained on bank and other financial statements;
2.1.3 Payment information, including credit or debit card number and expiry date;
2.1.4 Other information that you submit to us;
2.1.5 Information about your device; and
2.1.6 Information about how you use our website, including IP address, location information and search information.
2.2 We collect Personal Information from you in the following circumstances:
2.2.1 When you apply for a loan from us;
2.2.2 When you register, create and update your account;
2.2.3 When you communicate with us including when you make any inquiry or complaint;
2.2.4 When you visit our website;
2.2.5 When you submit information on any online form.
2.4 Failure to provide certain Personal Information may result in our services not being available to you.
2.5 We may use third parties to collect Personal Information. Where we do so you may need to agree to their privacy policies.
We may use the Personal Information we collect for any of the following purposes:
3.1.1 To process your application for a loan;
3.1.2 To verify your identity;
3.1.3 To carry out credit checks;
3.1.4 To meet our obligations under the loan, in particular advancing funds to you;
3.1.5 To enable you to use our services;
3.1.6 Where necessary, to enforce any legal rights we may have under our agreement with you;
3.1.7 To communicate with you and assist with your queries, requests or complaints;
3.1.8 To send you communications that we are required by law or which we need to provide;
3.1.9 To develop and improve our services;
3.1.10 To analyse and evaluate the use of our services;
3.1.11 If you consent, to provide information to you about us, our products and services, other websites and services and any other important news or developments which we consider may be of interest to you; and
3.1.12 Any other uses to which you consent.
4. Sharing Personal Information
4.1 We will share your Personal Information in the following circumstances:
4.1.1 To third parties who provide services for us, including credit agencies, payment processors, and third parties who help us to provide products and services to you.
4.1.2 To third parties where we believe this is reasonable to enforce any rights against you;
4.1.3 With law enforcement and regulatory bodies, upon a valid request or as required by law;
4.1.4 Where we sell our business or part of our business your Personal Information may be transferred to the new owner;
4.1.5 To third parties when we believe in good faith that we are required to do so by law;
4.1.6 Where you consent, we may share your Personal Information to a third party for direct marketing purposes
4.1.7 Where you otherwise authorise or request us to do so.
4.2 Please also see Cookies below.
5. Location of Processing
5.1 Personal Information will be processed in New Zealand.
6.1 We take reasonable steps to ensure the appropriate use of your Personal Information, to prevent unauthorised access or disclosure of your Personal Information and to ensure that such Personal Information is accurately and securely maintained, including the use of HTTPs encryption.
7. Holding Personal Information
7.1 We will keep your Personal Information only for as long as is reasonably necessary, having regard to the purpose of collection and in accordance with applicable legal requirements.
8.1 Subject to applicable law, you have the following rights in respect of your Personal Information:
8.1.1 Right of Access – to request access to your Personal Information.
8.1.2 Right of Correction – to request that we correct your Personal Information if it is inaccurate or incomplete.
8.1.3 Right to Object – to object to processing Personal Information for marketing purposes
8.2 We will respond to your requests within a reasonable time period. We may not be required to comply with your requests where an exception or limitation applies under applicable law.
To make any request you should: