At Instant Finance (Instant Finance Limited and all related companies (as defined in the
Companies Act 1993)) we take your privacy seriously and we are committed to protecting your
As we offer financial services, we recognise the importance of keeping your personal information
confidential and secure.
Personal information is information by which you may be identified directly or indirectly. It
includes information that could be used to identify you, such as your name and contact details. It
also includes credit information as defined in the Credit Reporting Privacy Code 2004.
information collected by us, or submitted to us either directly by you or from your devices.
We are bound by, and comply with the Privacy Act 1993.
our commitment to the protection of your privacy.
Collection, Use & Disclosure of Information
We need to collect, hold and use personal information about you in the course of providing
our products and services.
Collection of Information
We will collect information about you when you:
- use our websites;
- apply for a loan either though our websites or in any one of our branches;
- enter competitions or other promotions (though our website, our official Facebook Page
or in branch);
- complete surveys online or in any of our branches.
We may also collect personal information about you from third parties, such as credit agencies,
referees, your present or former employer, any other present or former creditor.
When you provide us with your personal information, you are consenting to our use of such
information and our right to disclose it to third parties.
Use of Information
We use personal information for the following purposes:
- to process, assess and acknowledge any request for finance you have made with us;
- for the management, assessment or enforcement by us of any agreement and/or security
you have with us;
- to assess your credit worthiness and financial position from time to time;
- to verify your identity as may be required from time to time by the Anti-Money Laundering
and Countering Financing of Terrorism Act 2009 and regulations;
- to collect any outstanding debt from you;
- to offer further finance to you;
- to comply with any laws in New Zealand;
- to market our products and services and undertake market research related to those or
future products and services which we believe may be of interest to you and for the
benefit of our customers;
- share your personal information with third parties where you have consented for that
information to be shared;
- train our staff, monitor and maintain our systems and networks;
- for our internal purposes such as risk management and billing
- Respond and follow up on any queries, complaints or requests you might have made.
We may disclose information about you to third parties such as:
- Work and Income New Zealand;
- Justice Department ;
- Department of Corrections;
- Customs Service New Zealand;
- Inland Revenue Department;
- NZ Transport Agency (NZTA/Motochek)
- Housing New Zealand;
- your employer;
- your representatives, such as your legal or financial adviser;
- your Landlord;
- Credit Reporting Agencies;
- Debt Recovery Agencies
- any other sources considered appropriate by Instant Finance.
The information we collect includes but is not limited to your name, address, phone numbers,
date of birth, email address, financial details, employment details, credit record, banking
transaction history, household budget, reasons for borrowing, how you discovered Instant
Finance, marital status, residential status, IP address and cookie, device, browser and operating
You can choose to withhold personal information but this may well restrict the services and
products we can supply you with.
Third Party Partners and Analytics
We promote our products and services on our websites and on social media. Third party
vendors, including Google, show our advertisements on sites throughout the internet. Both us
to assist in serving the most relevant available Instant Finance advertisements to you based on
your prior visits to our websites. You do not need to accept these cookies to transact with us and
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, Facebook’s Remarketing feature.
By using any of our websites you consent to the processing of data about you as explained
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.
Storage of Personal Information
Your personal information will be stored either in paper files or electronically in secure data
centres located in New Zealand that are owned by third parties.
All electronically stored personal information is protected from unauthorised access through the
use of recognised security procedures such as password.
We have strict confidentiality standards that control who on our staff can see your information
and what they’re allowed to do with it.
Access or Correct Your Personal Information
You are responsible for promptly informing Instant Finance of any change of your personal
information. If the information held by us is inaccurate, incomplete or not up to date you may ask
us to correct the information.
You have the right to ask for a copy of any personal information we hold about you.
You can access or correct your personal information by calling 0800 760 000 or asking at any
If you would like any further information about our handling of personal information or to make a
complaint about our handling of your personal information, please lodge a written complaint
addressed to our Risk & Compliance Officer using the contact details below:
Instant Finance Limited
PO Box 11427
Telephone: 09 525 3600
Fax: 09 525 3366
Once we receive your complaint, we will respond to you within a reasonable period of time,
usually within 20 working days.
If you’re unhappy with our response, you may wish to contact either the Privacy
Commissioner at privacy.org.nz or The Insurance and Savings Ombudsman at www.ifso.nz.
From time to time we may need to amend the terms of this Policy if our practices change. We
version on our website.
Your continued use of the website will indicate your acceptance of the updated policy.
The courts of New Zealand have non-exclusive jurisdiction