Privacy Policy

1. Introduction

Personal Loan Comparison NZ ("we," "us," or "our") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information in accordance with the Privacy Act 2020 and other applicable New Zealand laws.

2. Information We Collect

Personal Information

When you use our comparison service or apply for loans, we may collect:

• Name, address, phone number, and email address
• Date of birth and identification information
• Employment and income details
• Financial information including existing debts and expenses
• Credit score information (if provided)
• Loan requirements and preferences

Technical Information

We automatically collect certain information when you use our website:

• IP address and device information
• Browser type and version
• Pages visited and time spent on our website
• Referring website information
• Cookies and similar tracking technologies

3. How We Use Your Information

We use your personal information for the following purposes:

• Providing loan comparison services and matching you with suitable lenders
• Facilitating loan applications with selected lenders
• Improving our website and services
• Communicating with you about your applications and our services
• Complying with legal obligations and regulatory requirements
• Fraud prevention and security purposes
• Marketing communications (with your consent)

4. Information Sharing and Disclosure

We may share your information with:

Lenders

When you choose to apply for a loan, we share your application information with the selected lender(s) for the purpose of assessing your loan application.

Service Providers

We may share information with trusted third-party service providers who help us operate our website and services, including hosting providers, analytics services, and customer support tools.

Legal Requirements

We may disclose your information when required by law or to protect our rights, safety, and security.

5. Credit Information

When you consent to credit checks, lenders may access your credit information from credit reporting agencies. This may result in a credit inquiry being recorded on your credit file. Multiple inquiries within a short period for the same type of credit typically have minimal impact on your credit score.

6. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• SSL encryption for data transmission
• Secure data storage and access controls
• Regular security assessments and updates
• Staff training on privacy and security practices

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, and resolve any disputes. Typically, we retain information for:

• Application data: 7 years from the date of application
• Marketing communications: Until you unsubscribe
• Website analytics: 24 months

8. Your Rights

Under the Privacy Act 2020, you have the right to:

• Access your personal information
• Request correction of inaccurate information
• Request deletion of your information (subject to legal requirements)
• Withdraw consent for marketing communications
• Complain to the Privacy Commissioner if you believe we have breached your privacy

9. Cookies and Tracking

Our website uses cookies and similar technologies to improve your experience and provide personalized content. You can control cookie settings through your browser, though some functionality may be limited if you disable cookies.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. We encourage you to review this policy periodically.

11. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us:

Email: privacy@personalloancomparison.co.nz
Website: www.personalloancomparison.co.nz
New Zealand