To assess and arrange finance on your behalf, we may collect:

• Identity information (name, date of birth, contact details, address history)
• Financial information (income, expenses, employment, bank statements, credit history)
• Vehicle and loan details relevant to your application
• Identification documents (e.g. driver’s licence, passport)
• Information from credit reporting agencies
• Communications between you and us (calls, emails, texts)

We usually collect information directly from you, through application forms, phone calls, email, or our website. We may also receive information from:

• Credit reporting agencies (e.g. Centrix, Illion, Equifax)
• Lenders and insurers on our panel
• Vehicle dealers, where applicable
• Publicly available sources

We use your information to:

• Assess your eligibility for finance
• Submit applications to lenders on your behalf
• Communicate with you about your application
• Meet our obligations under the Credit Contracts and Consumer Finance Act 2003 (CCCFA) and other NZ financial services law
• Improve our services and contact you about future offers (you can opt out at any time)

We may share your information with:

• Lenders and insurers you apply to
• Credit reporting agencies
• Our dispute resolution scheme, if a complaint is raised

We do not sell your personal information.

We store your information securely using reasonable physical and digital safeguards, including secure systems and access controls. We retain information only as long as necessary for the purposes above or as required by law.

Our website may use cookies or similar technologies to improve your browsing experience and understand site usage. You can disable cookies in your browser settings, though this may affect site functionality.

We may update this policy from time to time. The latest version will always be available on our website.