At Road Trip Finance, safeguarding your information, including personal and credit data, is our top priority. The information and documents you provide to us as a part of your application process is collected by Road Trip Finance Limited [NZBN 9429052037733] [Company Number 9222440] [FSP 1007284], Road Trip Finance PTY LTD [ACN 676 038 136] or it’s related entities (We, Us, Roadtrip) in accordance with the NZ Privacy Act (2020).
When you use our website or engage with us via phone, email, social media or our website, you consent to this privacy policy, encompassing our website, online application, and social media. Also, by utilising our services you acknowledge and consent to adhere to the terms outlined in this policy. Engaging in any way with our services indicates your acceptance of this policy. If you do not agree with these terms, kindly refrain from using our service. For further privacy inquiries, please contact us.
Information we gather and retain:
Personal information comprises of any data identifying or reasonably identifying individuals, as defined by the New Zealand Privacy Act 2020. Credit-related information includes financial status and financial history including credit inquiries and repayment history.
As a Road Trip Finance customer, we collect personal information in order to verify your identity, assess your suitability for credit, to facilitate credit provision and inform you about relevant services.
The data we gather will encompass contact and identity details such as name, phone number and email address, and driver’s license details. Additionally, we may collect information including your address history, tax records, payslips, your New Zealand residency or visa status, assets and liabilities, relationship status, passport details, income and employment particulars and employment history, and credit-related information. Most of this information will be provided by you directly however we may verify the information with third parties (see below).
This data we gather will allow us to provide you with relevant credit options, benefits and facts. We will only collect personal information which is reasonably necessary for, or directly related to, our functions or activities.
All written communication (including email and SMS messages) with you will be retained on our systems. Our website may use cookies for statistical tracking of website visits, including logging your IP address and device information, please refer to our website terms of use for details. We do not accept liability for the privacy practices of third-party websites linked to ours. We may also take notes of our verbal interactions and conversations with you, including any statements made by you regarding your personal information or financial status. We reserve the right to record phone conversations with you, for quality and training purposes. We will retain your information and may contact you regarding your finance application. You permit us to contact you from time to time about our other services.
Sensitive information:
Sensitive information is any information about a person’s racial or ethnic origin, political opinion, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences or practices, criminal record or health information.
We will not ask you to disclose sensitive information, but if you elect to provide sensitive information it will also be captured and stored.
How we may share your information:
We may share your personal information with any of the entities listed below for the purpose of verifying your information and providing you with credit services. We will use reasonable endeavours to not share your information unnecessarily, for example if we are seeking a loan for you from one preferred lender we will typically not provide your information to any other lender.
Below is a list of lenders, insurers, personal contacts and partners with whom we might contact and share your information with for the purposes described above, who will then treat your information in accordance with their own privacy policies and procedures.
To review their privacy policies and information statements, please refer to the individual lender/insurer/partner/personal contact below:
YOUR PERSONAL CONTACTS:
Your employer
Your accountant
Your existing or previous credit providers
Anyone else you authorise us to gather information from
ROADTRIP AND OUR PARTNERS:
Road Trip Finance Limited [NZBN 9429052037733],
Road Trip Finance Pty Ltd (Australia) [ACN 676 038 136]
Our related entities, (together, ‘we’, ‘us’, ‘RoadTrip’)
Our suppliers and service providers
CREDIT REPORTING BODIES:
Equifax Pty Ltd
Illion New Zealand Ltd
Centrix Group Ltd
GOVERNMENT DEPARTMENTS AND AGENCIES:
Inland Revenue New Zealand
New Zealand Transport Agency (including but not limited to their driver check service)
The Personal Property and Securities Register
The New Zealand Companies Office
INSURERS MAY INCLUDE:
Autosure Insurance
COVE Insurance
Janssen Insurance
Protecta Insurance
LENDERS MAY INCLUDE:
Branded Financial Services
Oxford Finance
Finance Now
Financial Holdings Limited
Geneva Finance
Avanti Finance (Branded Financial Services)
UDC Finance
COMMUNITY FINANCIAL SERVICES
In addition to the above list of entities, if we are legally required to share your information with any government body, court, authority, lender, or supplier we will do so.
We frequently use the services of Credit Reporting Bodies to check your eligibility for credit and may share your information with those bodies in order to receive your credit-related information. The Credit Reporting Bodies may record our credit inquiry made on your behalf which may appear on your credit history.
You acknowledge that if any Lender or Insurer on our panel provides their services, they may:
-retain personal information for the duration of the finance period and after full repayment of all credit provided.
-share information about the finance facility with Road Trip Finance Limited during and after the repayment period, including updated personal and financial details.
-gather and monitor personal information about you as required for the management and security of such credit or insurance.
-disclose any personal information to a third party engaged by a Lender on our panel to aid in the enforcement of any agreement between us.
-periodically send you/us information about other products and services.
For a comprehensive overview of the fees Road Trip Finance may impose in facilitating your finance acquisition, please refer to our website’s Fees and Charges section.
Information Security Measures:
We electronically record and store collected personal information, employing third-party cloud services with stringent security measures. Your information’s confidentiality and security are our priority.
Accessing Your Information:
You have the right to access and correct your personal information by contacting Road Trip Finance. While some limitations may apply, we ensure transparency regarding access refusals or discrepancies.
Additional Information and Privacy Complaints:
Any changes to our privacy policy will be duly communicated.
For privacy-related complaints or privacy concerns, contact our Privacy Officer:
Email: [email protected]
By mail:
Road Trip Finance Limited
PO Box 302196
North Harbour 0751
Phone: 0800 112 226
We aim to acknowledge your privacy complaint/privacy concern within 2 business days, along with providing details on who in the company is handling your complaint. This agent will provide you with their direct contact details.
Road Trip Finance aims to resolve all privacy complaints/privacy concerns within 7 working days, sometimes the resolution process may take longer if we require further information from you or need to investigate the matter on our end.
If you’re dissatisfied with how we’ve addressed your concern, you have the option to escalate it to the Office of the Privacy Commissioner using the following methods:
Contact via telephone: 0800 803 909
Send an email to: [email protected]
Lodge a complaint: www.privacy.org.nz