Privacy policy

This policy explains what NZ Credit Solutions collects about you, why, and what we do with it. It is written to be read, not to be survived. If anything in it is unclear, ring us and ask.

Who we are

NZ Credit Solutions Limited, 55 Mahana Road, Te Rapa, Hamilton 3200. You can reach us on 021 58 7070 or ron@nzcreditsolutions.com.

What we collect

• What you send us. Your name, contact details, what you want to finance, how you earn your income, and anything you tell us about your circumstances or upload as a document.
• Credit information. With your consent, information from credit reporting agencies, and information lenders give us about your application.
• How the website is used. Aggregate, cookieless analytics: which pages are read and roughly where visitors are. No cookies, no cross site tracking, and nothing that identifies you personally.

The repayment calculator on this site runs entirely in your browser. The numbers you type into it are never sent to us.

Why we collect it

To arrange finance for you. That means assessing what you are asking for, deciding which lenders it suits, and lodging an application with the ones you agree to. We also keep records because the law requires a financial service provider to.

Who we share it with

• Lenders, once you have consented, and only the ones we have discussed with you.
• Credit reporting agencies, when you have consented to a credit check.
• Our service providers, being the companies that host this website, store our data and send our email. They act on our instructions and cannot use your information for anything else.

We do not sell your information, and we do not pass it to anybody for marketing. If we are ever legally required to disclose something, we will tell you unless the law prevents it.

Where it is stored

Applications and documents are held in a database and file storage located in Sydney, Australia, operated by Supabase. Documents you upload go into private storage that only our team can open, and they are not published or linked anywhere public. Website hosting and email delivery involve providers who may process data outside New Zealand. All of them are required to protect it to a standard comparable to the Privacy Act 2020.

How long we keep it

Where finance settles, seven years from the end of the arrangement, which is what our record keeping obligations require. Where an application does not proceed, two years, so that we can pick up a conversation you come back to. Website analytics carry no personal information and are kept indefinitely in aggregate.

Your rights

Under the Privacy Act 2020 you can ask for a copy of what we hold about you, and ask us to correct anything wrong. Email ron@nzcreditsolutions.com and we will answer within 20 working days. There is no charge.

You can withdraw consent for us to act for you at any time. That does not undo anything already lodged with a lender, and it does not remove records we are required to keep.

Cookies

This site sets no tracking cookies and shows no consent banner, because there is nothing to consent to. The only cookie the site can set is a session cookie in the staff admin area, which visitors never see.

Complaints

If you are unhappy with how we have handled your information, tell us first, on the complaints page. If we cannot resolve it, you can complain to the Office of the Privacy Commissioner at privacy.org.nz.