Privacy Policy

1. Collection and Storage of Personal Information

We collect information from, and about, you to:

• •respond to enquiries
• •assess finance applications
• •submit applications to lenders
• •provide customer support
• •manage complaints
• •meet legal and regulatory obligations

We may also use information to:

• •manage applications
• •improve services and processes
• •undertake research and compliance activities

Information collected may include identification details, contact details, financial information, bank statements, credit history, employment details and supporting documents.

If you do not provide required information, we may be unable to assist you.

We may collect information from third parties where authorised, including lenders, credit reporting agencies, bank statement providers, referees, dealers, or government bodies.

2. Website Information Collection

We may collect website usage data including IP address, pages visited and interaction behaviour using cookies or similar technologies.

Cookies help improve user experience and marketing effectiveness. You can disable cookies via your browser settings.

3. Use and Disclosure

We use your information to facilitate finance applications and manage our relationship with you.

We may disclose information to:

• •lenders and insurers
• •credit reporting agencies
• •service providers
• •professional advisers
• •government authorities where required

We do not sell your personal information.

4. Use of Artificial Intelligence and Automated Processing

Our website uses artificial intelligence (AI) tools to process and extract information from documents uploaded by users, such as loan statements and supporting financial documents.

This processing is automated and may occur without human review at the point of extraction. AI is used strictly for administrative and data processing purposes to assist in preparing and assessing finance applications. AI is not used to make lending decisions or to provide financial advice.

Information extracted through automated processing may be used internally to assist in the assessment of applications. Any lending decision is made by a suitably qualified person, not by an automated system.

In providing this functionality, data may be processed by secure third-party service providers. These providers may store or process data outside of New Zealand. Where this occurs, we take reasonable steps to ensure your information is protected to a standard consistent with the New Zealand Privacy Act 2020.

While we take reasonable steps to ensure the accuracy of automated processing, this process may not always be error-free. You are responsible for reviewing any extracted information presented to you and ensuring that the details submitted as part of your application are accurate and complete.

5. Credit Reporting

You authorise us to obtain and share credit information with credit reporting agencies including:

• •Centrix
• •Equifax
• •Experian (illion)

This may include repayment history, defaults and credit enquiries.

Reporting agencies will collect your credit information for the purpose of providing credit reporting services to us and other subscribers to their credit reporting services, and will use and disclose your credit information in accordance with their respective privacy statements.

Details of how each agency handles your personal information can be found at:

• •https://www.centrix.co.nz/privacy-statement
• •https://www.equifax.co.nz/privacy
• •https://www.experian.co.nz/privacy-policy

You have rights of access to and correction of your credit information and any other personal information held by each agency, as set out in their respective privacy statements.

6. Data Storage and Overseas Disclosure

Information may be stored securely using cloud-based systems in New Zealand or overseas.

Where data is transferred internationally, we take reasonable steps to ensure it is protected in accordance with the Privacy Act 2020.

7. Data Retention

We retain personal information only as long as necessary for business or legal purposes.

8. Your Rights

You have the right to request access to your personal information and request correction if needed.

Requests can be made to: info@finance-worx.co.nz

9. Direct Marketing

We will only send marketing communications where permitted by law or where you have consented. You may opt out at any time.

10. Complaints

If you believe your privacy has been breached, contact us at: info@finance-worx.co.nz

If unresolved, you may contact the Office of the Privacy Commissioner.

11. Changes

We may update this policy from time to time.