`PRIVACY POLICY`

By providing us with Personal Information, you consent to the use of your Personal Information in accordance with this privacy policy.

What information do we collect?

As our customer, we will collect certain Personal Information from you which are necessary to allow us to provide our services to you.

Personal information that we collect includes but is not limited to:

Personal information (Full name, date of birth, employment, address, children's ages)

Credit history and other financial information

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Information about your income sources
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Liabilities (Mortgages, credit cards, overdrafts, personal loans, hire purchases, student loans)

Failure to provide necessary Personal Information when requested by us may result in us not being able to provide certain services to you.

How do we use your information?

We will use your Personal Information:

to assist you with obtaining credit or other services

to improve the services and products that we provide to you

to undertake credit checks (if necessary)

to bill you and to collect money that you owe us

to comply with laws, rules or regulations (including identity verification requirements, Anti Money Laundering/Counter Financing of Terrorism compliance and audit and reporting requirements, in New Zealand or overseas)

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for direct marketing purposes
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to protect and/or enforce our legal rights and interests, including defending any claim

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generally to do business with you
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Who do we share your information with?

We may disclose your Personal Information to third parties who enable us to provide you with our services, which include, but are not limited to:

to protect and/or enforce our legal rights and interests, including defending any claim

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your other professional advisers
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our service outsource providers such as IT consultants, custodians, etc.

a person who can require us to supply your Personal Information (e.g. a regulatory authority)

any other person authorised by the Act or another law (e.g. a law enforcement agency)

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any other person authorised by you
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Protecting Your Personal Information

We will take reasonable steps to keep your Personal Information safe from loss, unauthorised activity, or other misuse.

Accessing and correcting your information

You may access and request correction of any of the Personal Information that we hold about you at any time by contacting us. We may charge a fee for our reasonable costs of retrieving and supplying the information to you.

Change of ownership

If our ownership changes, your Personal Information may be transferred to the new owner so that the new owner can continue providing you with services. In this event, your information will remain subject to this privacy policy.

Users outside New Zealand

The information we collect may be processed in and transferred between your location and New Zealand. New Zealand may not have equivalent information protection laws to those in force in your location.

Changes in privacy policy

We may occasionally make changes to our privacy policy. We encourage you to review the policy regularly for the latest information on our privacy practices.

Contact details

If you have any questions about this policy, our privacy practices, or if you would like to request access to, or correction of, your Personal Information, please contact us directly. If you are not satisfied with our response, or have any other privacy related concerns, you can contact the Privacy Commissioner on:

Telephone:

0800 803 909

In writing: PO Box 10 094, Wellington 6143

Lodge a complaint: www.privacy.org.nz