Privacy Policy

1. All emails, documents, images or other recorded information held or used by the Service Provider is “Personal Information” as defined and referred to in clause 20.3 and therefore considered confidential. The Service Provider acknowledges its obligation in relation to the handling, use, disclosure and processing of Personal Information pursuant to the Privacy Act 2020 (“the Act”) including Part II of the OECD Guidelines and as set out in the Act. The Service Provider acknowledges that in the event it becomes aware of any data breaches and/or disclosure of the Customer’s Personal Information, held by the Service Provider that may result in serious harm to the Customer, the Service Provider will notify the Customer in accordance with the Act. Any release of such Personal Information must be in accordance with the Act and must be approved by the Customer by written consent, unless subject to an operation of law.

2. Notwithstanding clause 20.1, privacy limitations will extend to the Service Provider in respect of Cookies where the Customer utilises the Service Provider’s website to make enquiries. The Service Provider agrees to display reference to such Cookies and/or similar tracking technologies, such as pixels and web beacons (if applicable), such technology allows the collection of Personal Information such as the Customer’s:

a) IP address, browser, email client type and other similar details;
b) tracking website usage and traffic; and
c) reports are available to the Service Provider when the Service Provider sends an email to the Customer, so the Service Provider may collect and review that information (“collectively Personal Information”) If the Customer consents to the Service Provider’s use of Cookies on the Service Provider’s website and later wishes to withdraw that consent, the Customer may manage and control the Service Provider’s privacy controls via the Customer’s web browser, including removing Cookies by deleting them from the browser history when exiting the site.

3. The Customer authorises the Service Provider or the Service Provider’s agent to:

a) access, collect, retain and use any information about the Customer;

i) (including, name, address, D.O.B, occupation, driver’s license details, electronic contact (email, Facebook or Twitter details), medical insurance details or next of kin and other contact information (where applicable), previous credit applications, credit history or any overdue fines balance information held by the Ministry of Justice) for the purpose of assessing the Customer’s creditworthiness; or
ii) for the purpose of marketing products and services to the Customer.

b) disclose information about the Customer, whether collected by the Service Provider from the Customer directly or obtained by the Service Provider from any other source, to any other credit provider or any credit reporting agency for the purposes of providing or obtaining a credit reference, debt collection or notifying a default by the Customer.

4. Where the Customer is an individual the authorities under clause 20.3 are authorities or consents for the purposes of the Privacy Act 2020.

5. The Customer shall have the right to request (by e-mail) from the Service Provider, a copy of the Personal Information about the Customer retained by the Service Provider and the right to request that the Service Provider correct any incorrect Personal Information.

6. The Service Provider will destroy Personal Information upon the Customer’s request (by e-mail) or if it is no longer required unless it is required in order to fulfil the obligations of this Contract or is required to be maintained and/or stored in accordance with the law.

7. The Customer can make a privacy complaint by contacting the Service Provider via e-mail. The Service Provider will respond to that complaint within seven (7) days of receipt and will take all reasonable steps to make a decision as to the complaint within twenty (20) days of receipt of the complaint. In the event that the Customer is not satisfied with the resolution provided, the Customer can make a complaint to the Privacy Commissioner at http://www.privacy.org.nz.