Advantage Finance

0800 175 000

Privacy

Advantage Finance Limited is committed to protecting your privacy and maintaining security of the information you provide to us. We abide by the laws relating to privacy and safeguarding of information.

Privacy Act 1993

You agree that we may collect (including by way of recorded telephone conversations), retain and use personal information about you for the purposes of assessing your creditworthiness and administering this contract. The information may be sought from and given to any person for these purposes and you specifically consent to the collecting, using and disclosing your personal information for the following purposes:

  1. Verifying any information that you give to us (or information that we may collect from other sources) with third parties and third party databases, including Government agencies (for eg. NZ Transport Authority, Motor Vehicle Register, PPSR).
  2. Carrying out credit checks on you with a credit reporting agency for a purpose of making a credit decision affecting you (including debt collection) or for the requirements of the Anti-Money Laundering and Countering Financing Terrorism Act 2009. This will require us to give your  information to the credit reporting agency as well as the credit reporting agency providing information about you to us.
  3. Debt recovery including appointing an agent to collect any outstanding debts and listing defaults with a credit reporting agency.
  4. Checking the Ministry of Justice fines database for any overdue fines you may have. This will require us to give your information to the Ministry of Justice. This check may be carried out by a credit reporting agency, which will require the search results to be disclosed to the credit reporting agency.
  5. Verifying any information that you give to us (or information that we may collect from other sources) with third parties and third party databases for the purposes of fraud prevention or the Anti-Money Laundering and Countering Financing Terrorism Act 2009.
  6. Where you have voluntarily given us your driver license information, this information may also be disclosed to a credit reporting agency and the Ministry of Justice as part of the checks we undertake with them.

You authorise and acknowledge as follows:

  • You authorise any third party to provide your personal information to us for any of the above purposes.
  • You acknowledge that if we disclose your personal information to a credit reporting agency, they may hold your information on their credit reporting database and use it for providing credit reporting services and for any other lawful purpose and they may disclose your information to their subscribers for the purpose of credit checking or debt collection or for any other lawful purpose.