This policy outlines how we manage your personal information inline with the Privacy Act 2020 and the Credit Contracts and Consumer Finance Act 2003 (CCCFA), ensuring we handle your data responsibly and transparently.
Information we collect:
We collect various types of personal information, including but not limited to:
- Personal and contact details (name, address, email, phone).
- Financial details (income, expenses, credit history).
- Employment details and personal circumstances relevant to your financial status
- Verifying information, such as identification documents (e.g. driver's license, passport).
- Information on your interactions with us, such as website visits, which we track using cookies and IP addresses.
Why we collect your information:
- To assess your eligibility for credit and manage your account.
- To ensure you receive suitable and responsible lending offers as required by the CCCFA
- To improve and tailor our services to better meet your needs.
- To provide ongoing management and support of our services.
- To comply with our legal and regulatory obligations.
How we use your Information:
- To assess and process your credit applications in accordance with the CCCFA, ensuring responsible lending practices.
- To communicate with you about your account and our services.
- To improve and tailor our services to better meet your needs.
- For marketing purposes, with your explicit consent, to provide you with information about our products and services.
Who we share your Information with:
- With our lending partners: We share your personal and financial information with our lending partners during the matching process to help find suitable loan options for you. This sharing of information occurs after you submit your loan application and give consent to us to find loan options on your behalf.
- With credit reporting agencies: We may share and receive information from credit reporting agencies to assess your creditworthiness.
- With service providers: We may share your information with third-party service providers who assist us in conducting our business, such as identity verification services.
- With government agencies: When required by law or regulation, we may share your information with relevant government agencies.
How we store your information
We take the security and storage of your personal information seriously. Here's how we manage your data:
- Cloud storage: All customer information is stored securely in a cloud-based platform. The servers for this platform are located in the Asia Pacific region.
Disclosing personal information internationally:
We may transfer your information to overseas partners only when they offer comparable privacy protection or as required by New Zealand law. Currently, our overseas partners are located in Australia.
Security of your personal information:
We take strong measures to protect the information we hold against unauthorised access, loss, or other misuse. Our security protocols are regularly updated to keep your data safe.
Your rights and choices:
- You have the right to access the personal information we hold about you and to request corrections if needed.
- You can opt out of marketing communications at any time.
- Under the CCCFA, you are entitled to receive clear and concise information about any credit offered, ensuring you understand your obligations and the terms of your contract.
Changes to this policy:
We may update this policy from time to time to reflect changes in legal requirements or our processing practices. Any significant changes will be communicated through our website or directly to you.
Additional privacy information
For additional information about how we handle your privacy, please refer to our Terms and Conditions. These terms contain important privacy-related information that complements this Privacy Policy.
Contacting us:
If you have any questions or concerns about how we handle your personal information or if you wish to access or update your information, please contact us at:
Email: privacy@matchmemoney.co.nz
Phone: 0800 69 62 82
This policy is governed by New Zealand law, with authority over disputes resting in New Zealand courts and through the Office of the Privacy Commissioner.