Privacy Policy and Credit Information Policy
Simfuni Limited NZCN 8459867 (we, us or our), understands that protecting your personal information is important. This Privacy Policy and Credit Information Policy sets out our commitment to protecting the privacy of personal information provided to us, or otherwise collected by us when providing our insurance premium funding services (Services) to you.
This Privacy Policy and Credit Information Policy takes into account the requirements of privacy laws, codes and regulations in New Zealand, including the Privacy Act 2020 (Privacy Laws).
This Privacy Policy and Credit Information Policy explains:
- how we might collect your personal information
- how we may use and disclose your personal information
- how we will store your personal information
- our use of cookies and analytics tools in connection with our Services
- your rights to request access to and correction of your personal information
- how you can contact us if you have any other questions regarding our collection, use, storage and disclosure of your personal information
Personal information
Personal information means identifiable information about you, for example your name, email, address, telephone number and so on. If you cannot be identified (for example, when personal information has been aggregated and anonymised) then certain parts of this policy may not apply to that information.
The personal information we collect
The types of personal information we may collect about you include:
- Identity Data – first name, middle name, last name, and date of birth
- Contact Data – billing address, email address and telephone numbers
- Financial Data – bank account details, payment card details, and your credit score
- Background Verification Data – passport number, driver licence number, photographic identification or other details requested as part of our verification process to comply with due diligence obligations and anti-money-laundering laws
- Transaction Data – details about payments from you to us and other details of loans you have entered into with us
- Technical and Usage Data – IP address, browser and device info, session and location data, browsing behaviour, and information collected through cookies
- Profile Data – username, password, preferences, feedback, survey responses, and other information you provide through our Services
- Interaction Data – information you provide when you participate in any interactive features of our Services
- Marketing and Communications Data – preferences for receiving marketing and communication
- Professional Data – professional history if you are working with or applying to work with us
- Requested Data – any other personal information requested by us and/or provided by you or a third party
- Credit Information – as defined in the Credit Reporting Privacy Code 2020 and Privacy Act 2020
Credit information we may collect
Credit information may include:
- your name, address, contact number and email address
- the fact that you applied for credit from us
- the amount of credit applied for and provided
- terms of payment, credit term, and payment history
- any defaults or discharges of credit
- information from credit referees
- information about personal insolvency or court proceedings
Credit eligibility information (from a credit reporting body) may include:
- a credit report
- a credit assessment score
How we collect personal information
We collect personal information in a variety of ways:
- Directly – when you register for an account, complete a loan application, or contact us via our website, chat, email, or phone
- Indirectly – when you interact with our website or communications
- From third parties – analytics and marketing providers, including cookies
- From publicly available sources – such as the New Zealand Companies Office or LinkedIn
Collection and use of personal information
We may collect, hold, use and disclose personal information to:
- enable you to access and use our Services
- perform background and anti-money-laundering checks
- assess and manage loan applications and payments
- communicate with you about our Services
- maintain internal records and billing
- conduct analytics and improve our Services
- detect and prevent illegal activity
- carry out advertising and marketing (in compliance with law)
- comply with legal obligations and resolve disputes
- consider employment applications
Disclosure of personal information to third parties
We may disclose personal information to:
- IT, hosting, and data storage providers
- professional advisors, payment operators, insurers and brokers
- our employees, contractors, or related entities
- business partners and advisers
- credit reporting and debt collection agencies
- courts, tribunals, regulatory authorities and law enforcement
- analytics providers such as Google Analytics and Facebook Pixel
- any third parties as required or permitted by law
Google Analytics
We may use Google Analytics Advertising Features including Remarketing and Demographics reports.
You can opt out of Google Analytics Advertising Features using the Google Analytics Opt-out Browser add-on or by managing ad preferences through Google Ads Settings.
Overseas disclosure
Some third parties may store or access your information outside New Zealand.
We will comply with the Privacy Act 2020 and ensure appropriate safeguards are in place before disclosing data internationally.
Your choice
Providing personal information is voluntary. However, withholding information may limit our ability to provide our Services.
Information from third parties
If we receive personal information about you from a third party, we will protect it as set out in this policy.
If you provide someone else’s personal information, you confirm that you have their consent.
Restrict and unsubscribe
You can unsubscribe from marketing communications by contacting us or using the opt-out link provided in our communications.
Access and correction
You may request access to or correction of your personal information.
We may charge an administrative fee for access or decline corrections if legally permitted.
Complaints
If you wish to make a complaint, please contact us with full details.
We will investigate and respond in writing.
You may also contact the Office of the New Zealand Privacy Commissioner.
Storage and security
We take reasonable steps to safeguard personal information using physical, electronic, and managerial measures.
However, we cannot guarantee the security of data transmitted over the Internet.
Cookies
We may use cookies to improve user experience and for retargeting campaigns.
We use:
- Strictly necessary cookies – for core website functions
- Analytical/performance cookies – to measure and improve site performance
- Functionality cookies – to recognise you and remember preferences
You may block cookies in your browser settings, but this may limit functionality.
Links to other websites
Our Services may link to other websites. We are not responsible for their privacy practices or content.
Use of Google API Services
We use Google API Services to access and verify information from insurers and brokers.
Our use complies with the Google API Services User Data Policy, including Limited Use requirements.
We do not use or transfer data for advertising and maintain strict safeguards for data accessed via Google APIs.
Use of geo-localisation data
We may collect your location data to:
- provide region-appropriate access
- enhance security and prevent fraud
- meet legal obligations
You can disable location sharing in your device or browser settings, though this may affect service availability.
Amendments
We may update this Privacy Policy and Credit Information Policy at any time.
Please check our website regularly for the latest version.
Contact
Simfuni Limited NZCN 8459867
Address: 18 Anzac Street, Takapuna, Auckland 0622, New Zealand
Email: info@simfuni.com
Last update: 10 July 2023