Last updated March 7, 2023

1. How Capital Finance Protects Your Privacy

We recognize the significance of safeguarding your data. Therefore, this document outlines our pledge to privacy regarding any personal information we possess about you and how we handle such data.

Our top priority is to guarantee that your personal information is protected and handled carefully.

Our commitment to safeguarding your personal information is demonstrated by our adherence to the Privacy Principles defined in the Privacy Act 2020 (or any subsequent legislation) (the Privacy Act) and all other relevant laws. This Privacy Policy supplements and does not restrict our rights and obligations under the Privacy Act and other applicable laws.

2. Defining the Company

Any reference to “the company,” “we,” “us,” or “our” in this agreement refers to Capital Finance, 12 Street, Auckland 1212, New Zealand.

3. Authorisation

When you provide us with personal information, seek our services, or use our website, you grant us your consent to gather, employ, retain, and disclose personal data in agreement with this Privacy Policy.

4. Privacy Policy Changes

Our Privacy Policy may be updated periodically to reflect changes in the law or our business needs, as long as the changes do not put you at a disadvantage. The updated version will be published on this page, and by continuing to use our services or website, you will be deemed to have accepted the revised Privacy Policy.

5. The Personal Data We Collect

We use the term “personal information” to refer to any information that can be used to identify you, such as your name, date of birth, address, contact details, account details, and occupation.

If you engage in our services, we may need to collect personal information about your financial situation or goals. This information is necessary to provide recommendations on mortgage and insurance products we are authorized to advise on.

6. Why do We Collect Your Personal Information?

We collect your personal information for various reasons related to our services, your relationship with us, and relevant third parties, as described in section 9 below. These reasons include the following:

• Responding to your requests or inquiries.
• Providing services to you, such as recommending Products.
• Sending communications and direct marketing to you about products and services we think may interest you via mail, telephone, or electronic means (including email and SMS/MMS).
• Conducting market research; and
• Any other purposes authorized by you or the Privacy Act.

If you don’t want to receive marketing information, please let us know anytime to opt-out. We may also collect personal information, including credit and health information, on behalf of the Product Providers you choose to apply for. The Product Providers have their own Privacy Policy that applies to the information we collect on their behalf.

7. How do We Collect Your Personal Information?

We primarily collect your personal information directly from you, such as through your use of our website or when you provide information through the “contact us” function.

Additionally, we may collect your personal information from the following sources:

• Capital Finance and its related bodies corporate;
• Credit reporting agencies;
• Banks and employers with your permission (e.g., through bank statements);
• Product Providers to answer your queries or assist with your financial arrangements;
• Any other person authorized by you or the Privacy Act.

If you provide us with personal information about someone else, you confirm that you have collected it per the Privacy Act and that the individual has authorized the disclosure, collection, use, and disclosure of their personal information by us. They have also been informed of their right to access and request correction of their personal data.

8. How to Update Your Personal Information

We rely on you to keep the information we have about you accurate. Please inform us promptly if any of your details change by contacting us.

We may disclose your personal information to the following parties:

• Capital Finance and its related companies
• Product providers, lenders, third parties, and intermediaries who may assist you with your finance or insurance requirements. This includes the prospective lender’s mortgage insurer, any entity that provides a guarantee or security, any trustee, and any assignee or potential assignee of a lender’s or insurer’s rights
• Our referral partners can assist you with other services
• Contractors or service providers
• Investors or entities that have an interest in our business or those to whom we may assign or transfer our rights or obligations or sell all or part of our business
• Anyone whom we are legally required or authorized to share your information with, including regulators and government agencies
• Auditors to ensure that we are providing services to you that are in your best interests and in compliance with current regulations
• Your employer and referees, credit reporting, and identity verification agencies
• Any other person or entity authorized by you or the Privacy Act.

You acknowledge and agree that credit reporting agencies may hold your credit information, including default information, on their systems and use it to provide credit reporting services. They may also provide your credit information, including default information, to their customers.

Before disclosing your personal information to another person or organization, we will take reasonable steps to ensure that they commit to protecting your data, which is at least equivalent to our commitment.

9. Instances Where We Disclose Your Personal Information to Anyone Outside of New Zealand?

The personal information we hold about you may be stored in cloud storage, which could be located outside of New Zealand along with the IT servers.

For some of the purposes mentioned above, we may also share personal information with third-party suppliers, service providers, and Capital Finance’s related corporate bodies located overseas.

10. The Capital Finance Website

Cookies and IP Addresses

When you visit our website, we may use cookies, small summary files containing a unique ID number to recognize your computer. This helps us measure traffic patterns, analyze trends, and gather broad demographic information. We use this information to improve our website and service offering. While our cookies do not collect personal information, if you provide your name and email address, we will link it with the previously collected cookie information.

Our cookies may record your Internet Protocol (IP) address, device and browser type, operating system, pages visited, time spent on those pages, frequency of site use, search terms used, links clicked, and other usage statistics. You can set your browser not to accept cookies if you prefer.

Security

Our website is linked to the internet, so we cannot assure the security of information transmitted online. Therefore, any personal information or other information transmitted online is at your own risk.

Our website may contain links to third-party websites and display advertisements hosted by third parties. We are not responsible for third-party websites or advertisements’ privacy practices or policies.

Our advertising network partner may use web tracking techniques to provide targeted advertising based on your interests.

11. Are You Required to Give Us Your Personal Information?

Providing personal information to us is not mandatory, but it may impact our ability to offer you our services and affect your ability to obtain finance, insurance, and other Products from Product Providers. In most cases, we must identify you to conduct business with you. However, if it is legal and practical, we may offer you the option of doing business with us without providing personal information. For instance, if you inquire about interest rates or current promotional offers.

You can remain anonymous while interacting with our website, but we cannot contact you unless you provide us with personal information.

12. Accessing and Correcting Your Personal Information

At any time, you have the right to access and request the correction of your personal information held by us by contacting us. We may require a fee to cover our reasonable costs of retrieving and supplying the information to you.

13. Contact Us for More Information

If you have further questions regarding our Privacy Policy, please contact us by email at info@capitalfinance.nz