MoneyShop Group Limited (“MoneyShop”, “we”, “us”, “our”) complies with the New Zealand Privacy Act 2020 (the Act) when dealing with personal information. Personal information is information about an identifiable individual (a natural person).
MoneyShop recognises the importance of safeguarding your personal information. This policy sets out how we will collect, use, disclose and protect your personal information.
What information does MoneyShop collect?
We are committed to our obligations under the Act relating to collecting personal information. In order to provide our services to you it is essential collect, hold, use, process and disclose some personal information.
We may also collect other information which is not necessarily personal information, including your IP address, cookies, and information about your device, browser and operating system.
You can choose to withhold personal information, but this may restrict the services we can supply to you.
Collection of Personal Information
We will use every security precaution available to us to maintain the security of your personal information, however there are risks inherent in transmitting and storing data online. As such, we cannot guarantee data sent or stored electronically will be secure, and any information provided to us is at your own risk. We will endeavour to contact you if any security breaches compromise the security of your personal data.
Your personal information will be stored in paper files and electronically in secure branches located in New Zealand. All electronically stored personal information is protected from unauthorised access through the use of recognised security procedures such as passwords.
How does MoneyShop use your information
We may use your information:
Sharing your Information
We use and disclose your personal information for the purposes we collected it. We may use and disclose your personal information for a secondary purpose only if the secondary purpose is directly related to the purpose of collection. When necessary and in connection with the purposes listed above, we may disclose your personal information to:
We may also disclose your credit information, including account information, default information, repayment history (including whether payments are made on time) and identification information to credit reporting agencies.
Information disclosed by us to credit reporting agencies may be listed in their systems, used by them to provide their credit reporting services or other information services, and supplied to their customers who use their services to make credit decisions about you or any applicable organisation you are representing.
We will only send information overseas or collect personal information about you from overseas for the purposes in this statement.
You are responsible for promptly informing MoneyShop of any change to your personal information. If the information held by us is incorrect, inaccurate, incomplete or not up to date, then you may ask us to correct the information and we will either correct the information or make a record of your comment, as we think appropriate.
You have the right to request access to any personal information (including your credit information) we hold about you. Where we hold information that you are entitled to access we will endeavour to provide you with a suitable range of choices (including direction to a credit reporting agency) as to how to access is provided (e.g. emailing or mailing it to you). A fee may be charged to cover the cost of retrieval.
You can request access to or correct your personal information by calling 0800 66 66 39 or asking at any branch.
A cookie is a small file that resides on your computer and is recognised by our server when you visit our sites. A cookie does not provide us with any personally identifiable information. It does provide details of your IP address, the computer platform that you use (eg Mac or Windows), the browser that you use (e.g. Microsoft Explorer or Netscape) and what domain you are accessing our sites from. With this information we can do the following:
Track traffic patterns to our sites.
Ensure that the most relevant content is being shown.
Allow you to enter certain site member services without having to log in each time you visit.
Third Party Partners and Analytics
Throughout our public websites, the Google Analytics system is used to measure anonymised site activity, associating multiple sessions across multiple devices. The information generated by these cookies (which includes your IP address) will be transmitted to and stored on the servers belonging to the companies providing us with analytic services (Notably Google). These agencies may also transfer information gathered in this way to their agents or to other entities as required by law.
We also use other tools in order to better target advertising and our communications, including but not limited to Google's Remarketing feature and Facebook's Remarketing feature.
By using any of our websites you consent to the processing of data about you as explained above.
Links to other websites
Our website may contain links to other websites. These websites have their own privacy policies and we have no responsibility for linked websites, or their communication with you, and provide them solely for your information and convenience.
We may use electronic communication (including email and SMS/text message) for the purpose of disclosure pursuant to the Credit Contracts and Consumer Finance Act 2003 and any other reason such as for marketing purposes.
Marketing and Opting Out
Where we have obtained your consent to do so, or in circumstances where you would reasonably expect that your personal information would be used or disclosed for this purpose, we may contact you from time to time with marketing material about our other products and services. We may also share your personal information with our related companies, so that they can provide you directly with marketing material about their products and services. You may opt out of receiving this material at any time by contacting us on 0800 66 66 39 or by email to email@example.com
Your consent to receive this information will remain current until you advise us otherwise.
Privacy Concerns, Questions or Complaints
Your continued use of the website will indicate your acceptance of the updated policy.