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We are committed to protecting and maintaining the privacy, accuracy and security of your personal information. This Privacy and Credit Reporting Policy outlines how we manage your personal information (including credit information) and how we collect, store, use, disclose and exchange that information. It also provides you with information about how you can access and request correction of your personal information.
What is personal information?
Personal information is information or an opinion about an identified individual, or an individual who is reasonably identifiable:
The types of personal information that Credit Corp collects typically includes your:
Other types of personal information that Credit Corp collects relates to credit information, including credit eligibility information. This typically includes:
How does Credit Corp collect personal information?
Credit Corp collects personal information from various sources. This may include collecting personal information from:
Protecting your personal information
We are committed to ensuring the security of your personal information. We store information in both hard copy and electronic form. We protect your personal information from misuse, loss, unauthorised access, use, modification and disclosure. The steps that we take to protect your personal information include:
Why is personal information collected by Credit Corp?
Credit Corp collects personal information that is reasonably necessary for one or more of its functions or activities. We collect personal information about you so that we can:
Unless you otherwise consent or we are otherwise permitted to do so by law, personal information will only be used for the purpose for which it was collected (“the primary purpose”) or for a purpose related, or in the case of sensitive information directly related, to the primary purpose (“the secondary purpose”).
The main consequences of us not collecting personal information or you not providing personal information we request, are an inability or delay in being able to identify you, contact you or provide services to you.
We do not use your IRD number, driver’s licence number, National Health Index number or any other government related or unique identifier as an account number or as our own identifier for you. However, we may ask you for one of these identifiers to prove your identity when you deal with us.
Disclosure of personal information
Credit Corp only discloses personal information as authorised or required by law. This may involve disclosing such information to:
Disclosure to credit reporting bodies
Credit Corp may also disclose certain credit related personal information to credit reporting and identity verification agencies.
For example, if you fail to meet repayment obligations or commit a serious credit infringement, we may be entitled to disclose this to a credit reporting body. When such information is disclosed to a credit reporting body, the credit reporting body may retain such information (including default information), use such information to provide their credit reporting services and include such information in reports provided to credit providers to assist them in assessing your credit worthiness. We disclose information to the following credit reporting bodies:
Centrix Group Ltd
Tel: 0800 236874
Does Credit Corp provide information to overseas entities?
If you relocate overseas, we may disclose personal information to our overseas agents that operate in the particular country to which you have relocated. We may also disclose personal information to entities or branches which are part of the Credit Corp Group of Companies which are located overseas including within the Philippines.
Information about other people
Access to personal information
You have the right to request access to any personal information (including credit information) that we hold about you and for such information to be corrected. You can make a request for access to your personal information by contacting email@example.com.
In some circumstances, we may refuse to provide you with access to your personal information in accordance with the Act. These circumstances include but are not limited to where:
Depending on the complexity of the information and/or the request, we will respond to any request for access or correction of personal information as soon as reasonably practical, and in any case not later than 20 working days after the date on which we received the request.
In the event that we refuse to provide you with access to your personal information, we will provide you with an explanation for that refusal.
In the event that we do not correct your personal information, you are entitled to request that there be attached to the information a statement of the correction sought but not made. Where reasonably practical, we will inform each person or body or agency to whom the personal information has been disclosed of the correction or the correction sought but not made.
You will not be charged a fee for making a request to access your personal information. However, depending on the type of request, a reasonable fee may apply and be charged for providing the information to you. The fee covers the cost to us in collating, copying and providing certain information to you.
We will endeavour to provide the requested information as promptly and inexpensively as possible. Following receipt of your request, we will let you know if a fee applies and if so, the amount. Any applicable fee will most likely be required to be paid prior to us providing documents or information to you. Information about how any applicable fee is calculated will be provided following receipt of your request.
Credit Corp will take reasonable steps to ensure that your personal information is accurate, complete and up to date. This allows us to provide quality services to you. If you believe the information we hold about you is incorrect please write to us at the address listed below.
You may obtain more information about the way Credit Corp manages your personal information and about access to and correction of your personal information by applying in writing to our Privacy Officer:
Credit Corp Financial Solutions Pty Limited t/as Wallet Wizard
PO Box 83000, Johnsonville,
Further information on privacy in New Zealand may also be obtained by visiting the website of the Office of the New Zealand Privacy Commissioner at www.privacy.org.nz.
Making a complaint
Credit Corp Financial Solutions Pty Limited t/as Wallet Wizard
Telephone: 1300 768 621
We will endeavour to deal with your complaint as soon as is reasonably practicable. If we are unable to satisfactorily resolve your complaint, it may be referred to the Office of the New Zealand Privacy Commissioner by visiting the following website and following the steps listed on the website: https://www.privacy.org.nz/your-privacy/how-to-complain/.
Important Borrower Information
Here is some important information for anyone considering taking out a loan.
High-cost credit contracts, such as this, should not be used for long-term or regular borrowing and are only suitable to improve short-term cash flows.
When entering a credit contract you are agreeing to the financial schedule, terms and conditions, privacy disclosures and often an agreement to debit funds from your bank account. You should ensure you have read and fully understand the information in that contract before accepting or signing.
If you are unsure about whether you require a loan today or you would like further general information, you can access some on the NZ Government’s website www.sorted.org.nz
Wallet Wizard adheres to The Code of Responsible Lending and encourages its customers to be familiar with The Code of Responsible Borrowing. You can find a copy of these codes at www.familybudgeting.org.nz
Wallet Wizard refers to these resources as a part of our commitment to socially responsible lending. Wallet Wizard does not claim or imply any relationship or endorsement by the NZ Government in providing the links to these resources.