Privacy Policy of Guardian Finance Limited
1. Our Commitment to Your Privacy
Guardian Finance Limited (referred to as “Guardian Finance”, “we”, “us”, or “our”) is committed to protecting your privacy and ensuring the safety of your personal information. This Privacy Policy explains how we collect, store, use, and disclose your personal information in accordance with the Privacy Act 2020 of New Zealand. We are dedicated to transparency, accountability, and your right to control your data.
2. Consent and Acceptance
By accessing our services, submitting applications, using our website, or communicating with us, you acknowledge and agree to the terms of this Privacy Policy. You authorize us to collect, use, store, and share your personal information as outlined in this document. If you do not agree to this policy, you may choose not to provide personal information; however, it may affect our ability to serve you.
3. What Personal Information We Collect
Personal information refers to any data that identifies you or could reasonably be used to identify you. This includes:
- Full name, date of birth, and gender
- Contact information (email, phone number, residential and postal addresses)
- Identification documents (e.g., driver’s license, passport)
- Employment details and income verification
- Banking details and financial history
- Credit history and fines information (where applicable)
4. How We Collect Personal Information
We generally collect personal information directly from you in the following ways:
- Use of Our Website: Personal information may be collected when you interact with our website, including through your browsing activity and any forms or fields you complete.
- Information You Submit: Any information you voluntarily provide through our website such as when registering, subscribing, or completing forms may be collected and stored.
- “Contact Us” Functionality: When you use the “Contact Us” feature on our website, we collect the personal information you provide as part of your inquiry or request.
- Direct Communications: We may also collect personal information during any direct communication between you and our team, whether through email, phone calls, or other forms of contact.
5. Purpose for Collecting and Using Personal Information
We use your personal information to:
- Process loan applications, verify identity, and assess creditworthiness
- Provide customer service and manage our relationship with you
- Meet legal and regulatory obligations (e.g., anti money laundering laws)
- Improve our products and services
- Offer relevant marketing and promotional content (with opt out option)
- Conduct market research and customer surveys
- Administer internal business functions such as risk management, audits, and system development
6. Disclosure of Your Personal Information
At Guardian Finance Limited, we treat your personal information with the highest standard of confidentiality and care. To provide our services and meet legal obligations, Aviva Finance Limited may disclose your personal information to trusted third parties, including:
- Finance companies and affiliated lenders
- Product providers, insurers, and guarantors involved in your finance or insurance application
- Referral partners and service providers supporting our operations (e.g., IT, marketing, customer service)
- Credit reporting and identity verification agencies
- Regulatory bodies and government authorities, as legally required
- Auditors and compliance professionals ensuring we meet industry standards
- Employers, referees, or any other party you’ve authorised or as permitted by law
- Investors or potential business partners, in the case of business changes such as mergers or asset transfers
Before sharing your information, we take all reasonable steps to ensure recipients handle it securely and in accordance with New Zealand privacy laws.
7. Cookies and Website Technologies
Our website uses cookies and tracking technologies to enhance your experience. These tools help us:
- Monitor site usage and performance
- Tailor content and advertisements to your interests
- Conduct analytics and improve functionality
You can disable cookies through your browser settings, though some features may be limited.
8. Direct Marketing
If you consent to receive marketing, we may send you promotional messages via email, SMS, or other channels. These communications may include updates on new products, offers, or surveys. You may opt out at any time by clicking the 'unsubscribe' link or contacting us directly.
9. Overseas Data Storage and Disclosure
We may store or process personal data on secure cloud servers located outside of New Zealand. When doing so, we take reasonable steps to ensure your data remains protected under New Zealand privacy principles, including contractual safeguards with our providers.
10. Your Rights to Access and Correct Information
You have the right to request access to any personal information we hold about you. You also have the right to request corrections to ensure your data is accurate and up to date. Requests can be made by contacting us at info@guardianfinance.co.nz.
11. Privacy Complaints and Concerns
If you believe your privacy has been compromised or this policy breached, please contact us immediately. We take all complaints seriously and aim to resolve issues promptly. You may also contact the Office of the Privacy Commissioner at www.privacy.org.nz.
12. Updates to This Policy
We may update this Privacy Policy from time to time to reflect changes in the law or our business operations. Any changes will be published on our website. Continued use of our services indicates your acceptance of any revised policy.
13. Contact Information
If you have any questions, concerns, or requests regarding your personal information or this policy, please contact:
Aviva Finance Limited
📧 info@guardianfinance.co.nz
🌐 www.guardianfinance.co.nz