1. Introduction

Hello Finance NZ Limited (“Hello Finance”, “we”, “us”, “our”) respects your privacy and handles personal information in accordance with the Privacy Act 2020.

This Privacy Policy explains what information we collect, how we collect it, how we use it, who we share it with, and your rights.

This policy applies to current customers, former customers, applicants and users of our website.

 

2. Information We Collect

We may collect personal information including:

  • Full name
  • Date of birth
  • Residential address
  • Email address
  • Telephone numbers
  • Employment details
  • Income and expenses
  • Bank account details
  • Identification documents
  • IRD number where required by law
  • Credit history
  • Assets and liabilities
  • Dependants
  • Application records

  • Correspondence with us

     

3. How We Collect Information

We may collect information:

  • Directly from you
  • Through our website or online forms
  • Through brokers or introducers
  • From lenders
  • From employers or referees
  • From identity verification providers
  • From public registers
  • From credit reporting agencies

  • From bank verification providers where authorised by you

     

4. Why We Collect Information

We may collect, hold and use information to:

  • Assess finance applications
  • Verify identity
  • Submit applications to lenders
  • Manage customer relationships
  • Administer finance arrangements
  • Respond to enquiries or complaints
  • Comply with legal obligations
  • Prevent fraud or unlawful activity
  • Improve our products and services

  • Market relevant products where permitted

     

5. Credit Reporting Agencies

We may obtain and disclose information to credit reporting agencies including:

These agencies may hold credit information such as:

  • Enquiries
  • Repayment history
  • Defaults
  • Identity information
  • Other credit-related data

We may use this information to assess applications, verify identity and assist lenders.

 

6. Disclosure to Lenders

We may disclose information we collect about you to our Lending Partners for credit assessment and lending eligibility purposes. Further details on the collection of this information for all lenders listed below and their respective privacy practices are available via the links provided.

Examples of lenders we may share your information with include:

Our lender panel may change without notice.

 

7. Other Third Parties and Referral Partners

We may share your information with:

  • Insurers
  • Debt collection agencies
  • Technology and cloud providers
  • Identity verification providers
  • Payment processors
  • Fraud prevention agencies
  • Government or regulatory agencies where required

  • Purchasers or advisers in relation to any sale or restructure of our business

     

8. Overseas Disclosure

Some service providers may store or process information outside New Zealand.

Where this occurs, we take reasonable steps to ensure appropriate safeguards are in place.

 

9. Bank Verification Services

Where authorised by you, we may use third-party bank verification providers to obtain transaction information or bank statements for the purpose of assessing your application.

We do not require or store your internet banking passwords.

 

10. Marketing

We may contact you by email, phone or SMS regarding products or services that may interest you.

You may opt out of marketing communications at any time.

 

11. Website Data, Cookies & Analytics

When you visit our website, we may collect technical information such as:

  • IP address
  • Browser type
  • Operating system
  • Pages visited
  • Referring website

We may use cookies or analytics tools to improve website functionality and user experience.

You can disable cookies in your browser settings.

 

12. Social Media & Third Party Platforms

If you interact with us on social media platforms, those platforms may collect data in accordance with their own privacy policies.

We may also view information you choose to share publicly with us.

 

13. Access and Correction

You may request access to personal information we hold about you and request correction of inaccurate information.

 

14. Security & Data Breaches

We take reasonable steps to protect personal information from loss, misuse, unauthorised access or disclosure.

Where required by law, we will notify affected individuals and the Privacy Commissioner of notifiable privacy breaches.

 

15. Consequences of Not Providing Information

If you do not provide requested information, we may be unable to assess your application or provide requested services.

 

16. Changes to this Policy

We may update this Privacy Policy from time to time by publishing the updated version on our website.

 

17. Contact Us

Hello Finance NZ Limited

Email: [email protected]

Website: www.hellofinance.co.nz