Privacy Policy

At Yes Finance Limited (“we”, “us”, “our”), we are fully committed to protecting your privacy and ensuring your personal information is handled safely and transparently. This Privacy Policy outlines how we collect, use, store, and disclose your personal information in accordance with the New Zealand Privacy Act 2020 and the Credit Reporting Privacy Code 2021.

1. Information We Collect

We collect personal information directly from you when you interact with our website, complete an online enquiry, or submit an application for credit. This information may include:

• Identity Details: Your full name, date of birth, gender, marital status, and government-issued identification (e.g., Driver’s License, Passport, or NZ Firearm License).
• Contact Information: Your physical address, billing address, email address, and phone numbers.
• Financial Information: Details of your income, employment history, bank statements, assets, liabilities, and ongoing expenses.
• Digital & Technical Data: Your IP address, device type, browser information, date/time of web visits, and website traffic interactions collected via cookies and analytics software.

2. How We Use Your Information

We use the personal information we collect to securely manage our relationship with you. This includes:

• Assessing your creditworthiness, financial suitability, and affordability for our loan products.
• Verifying your identity to satisfy our statutory requirements under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 (AML/CFT).
• Administering, monitoring, and enforcing any credit contracts or financial facilities we provide to you.
• Complying with our legal, regulatory, and audit obligations under New Zealand law.
• Conducting statistical analysis, internal auditing, and website optimization.

3. Credit Reporting and Third-Party Disclosures

To properly assess credit applications and manage active loans, you authorize us to disclose your information to, and collect information from, the following external entities:

• Credit Reporting Agencies: We exchange information with credit bureaus (including Centrix, Equifax, and illion). This includes querying your credit file to evaluate an application, and reporting information about your repayment history, defaults, or credit defaults. Information reported to bureaus may be held by them and disclosed to their standard subscribers.
• Identity Verification Services: We utilize electronic database systems to cross-reference your identification documents against official government records (e.g., NZTA or the Department of Internal Affairs).
• Bank Verification Software: If you utilize our digital bank statement retrieval portals, you authorize us to access your transaction history securely through our third-party data aggregators to verify income and expenses.
• Government Agencies: We may disclose details to the Ministry of Justice (for fine checks), Work and Income (WINZ), the Inland Revenue Department (IRD), or law enforcement agencies when legally required or permitted.
• Your Representatives: Your employer, land-lord, referees, or professional advisors, as explicitly authorized by you during the application process.

4. Direct Marketing & Opt-Out Rights

From time to time, Yes Finance Limited or its related corporate entities may use your contact details to provide you with informational updates, promotional offers, or new financial products that we believe may interest you.

• We will never sell or distribute your personal details to external third parties for their independent marketing purposes.
• You have the right to opt out of electronic marketing communications at any time by using the “Unsubscribe” function embedded in our emails or by contacting us directly.

5. Cookies, Google Analytics, and Online Advertising

• Cookies: Our website uses both session cookies (temporary tokens used to securely maintain your digital loan application session) and persistent cookies (used to remember user preferences and track aggregate site traffic patterns). Cookies do not access files on your hard drive.
• Google Analytics: We track website traffic patterns anonymously using Google Analytics. This data is aggregated globally to help us understand web performance; no individual customer identities can be extracted from these analytics.
• Targeted Advertising: We partner with third-party vendors, including Google, to display advertisements across the internet. These platforms use anonymous cookies to serve targeted ads based on your previous visits to our website. You can manage or opt out of these cookies via the Network Advertising Initiative or your Google Ads Settings.

6. Data Security and Storage

• Transmission: We employ robust encryption protocols (such as Secure Socket Layer/TLS) to protect confidential data transmitted through our online credit application forms.
• Storage: Personal information is stored securely in password-protected physical files, secured on-premise servers, or inside compliant, enterprise-grade cloud hosting facilities.
• Data Breaches: In the unlikely event of a privacy breach that causes, or is likely to cause, serious harm to you, we will notify you and the Office of the Privacy Commissioner immediately, in accordance with our mandatory statutory duties under the Privacy Act 2020.

7. Your Legal Rights: Access and Correction

Under the Privacy Act 2020, you hold explicit rights regarding your data:

• Right to Access: You may request a complete copy of all personal information we hold about you at any time.
• Right to Correction: You may request that we correct any errors, outdated details, or inaccuracies in your personal records.
• No Access Fees: In compliance with modern consumer legislation, no fee will ever be charged to submit an access request or correct your records.

8. Contact Our Privacy Officer

If you wish to exercise your data rights, lodge an inquiry regarding your data handling, or submit a formal privacy complaint, please contact our designated Privacy Officer:

• Company Name: Yes Finance Limited
• Attention: The Privacy Officer
• Email: info@yesfinance.co.nz
• Postal Address: P O Box 276011, Manukau Auckland 2241

If you remain unsatisfied with our internal response, you retain the right to escalate your complaint directly to the Office of the Privacy Commissioner (www.privacy.org.nz).