How Fair Finance ("we", "us", "our") collects, uses, shares and protects your information. We follow the New Zealand Privacy Act 2020.
When you use our calculator or submit an application, we may collect: your name, email, phone number, address, the loan amount and term you're after, details about the vehicle, images of the front and back of your driver licence, your income type and rough income, anything you tell us in the notes field, and standard technical data (IP address, browser, pages visited, and advertising click identifiers such as UTM tags, gclid or fbclid).
We do not collect or store payment card information through this website.
We use your information to match you with suitable lenders on our panel, to pass your application to them for assessment, to contact you about your enquiry, to run and improve our service, and to measure the performance of our marketing.
The core of what we do is refer you to lenders, so we share your application with the approved New Zealand lender partners on our panel for the purpose of assessing it. We also use trusted service providers (for example hosting, analytics, and communication tools) who only access what they need to do their job and are bound by their own obligations. Some providers may store data outside New Zealand; where they do, we take reasonable steps to ensure comparable protection. We may disclose information if required by New Zealand law.
We do not sell your personal information.
By submitting an application, you consent to us sharing your details with our lender partners so they can assess it. You can withdraw consent or ask us to stop contacting you at any time by getting in touch with us.
By submitting an application you authorise us to pass your details to our panel of approved New Zealand finance partners, and you authorise those partners to obtain credit information about you from a credit reporting agency. Pre-approval uses a soft credit check only, which has no impact on your credit score and is not visible to other lenders. A hard credit check, which may affect your score, only occurs if you choose to proceed to a final loan. We and our finance partners handle your credit information in line with the Privacy Act 2020 and the Credit Reporting Privacy Code 2020.
To complete an application you need to provide a clear photo of the front and back of your driver licence. We collect these images to verify your identity and to meet our finance partners' identity and anti-fraud requirements. Licence images are transmitted securely, shared only with a finance partner on our panel assessing your application, and stored securely. We retain them for seven (7) years in line with New Zealand financial record-keeping requirements, then delete them. We do not use them for any other purpose.
Fair Finance is free for you to use. We receive a referral fee from our finance partners when a loan you apply for is completed. This fee does not increase your interest rate or the cost of your loan.
We use essential cookies to run the site, and analytics tools (such as Google Analytics and advertising pixels) to understand how people use it and how our ads perform. You can control cookies through your browser settings.
Under the Privacy Act 2020 you can ask what personal information we hold about you, ask us to correct it, and ask us to delete it (subject to records we're legally required to keep). To do any of these, get in touch with us.
We keep your information for as long as needed to provide the service and meet our legal and tax record-keeping obligations, then delete or de-identify it.
Questions about this policy or your information? Email us at [email protected]. If you're not satisfied with our response, you can contact the Office of the Privacy Commissioner at privacy.org.nz.
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