Privacy Policy

When you request a quote, we collect your name and contact details, employment situation, income, deposit, credit situation, and the type and amount of finance or warranty you are asking about. We may also collect technical information such as your IP address, browser, and how you arrived at our website (UTM parameters and referrer).

When you submit a full finance application, we may also collect identification information (including driver licence or passport details), income and employment information, financial information such as assets, liabilities, living expenses and bank statements, credit history and credit reports, residency information, supporting documents, information required for anti-money laundering (AML/CFT) verification, and co-borrower information where applicable.

We collect information directly from you and, where you have authorised it, from third parties including lenders, credit reporting agencies and identity verification providers.

We use your information to assess what options may be available to you and whether they are suitable and affordable, to share your enquiry with lenders and, for warranties, warranty providers, for the purpose of obtaining a quote or application outcome, to verify your identity, to communicate with you about your enquiry, and to comply with our legal and regulatory obligations, including under the Credit Contracts and Consumer Finance Act 2003 (CCCFA) and the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 (AML/CFT).

We share your information with banks and non-bank lenders, insurers and warranty providers only to the extent necessary to arrange the product you have asked about, and with credit reporting agencies, identity verification and compliance service providers, and professional advisers where you have authorised it or the law requires it. We use service providers to operate our website, manage customer records and process applications. We never sell your personal information.

Your information is stored electronically using secure systems, with reasonable safeguards to protect it from misuse, loss, and unauthorised access or disclosure.

We keep personal information for at least seven years, or longer where we need to for legal, regulatory or AML/CFT reasons.

Under the Privacy Act 2020 you have the right to access the personal information we hold about you, request correction of any inaccurate information, and request deletion of your information where we no longer have a lawful purpose for retaining it.

For any privacy questions or to exercise your rights, contact us at info@fmefinance.co.nz or 0800 995 014.

If you have a complaint about how we have handled your personal information, please contact us at info@fmefinance.co.nz in the first instance. If your complaint is not resolved to your satisfaction, you may contact the Office of the Privacy Commissioner at privacy.org.nz.