Privacy Policy

Stream Finance Limited is committed to protecting your privacy and the confidentiality of your personal and credit information. In handling your credit or personal information, we are bound by and comply with the NZ Privacy Act 2020.

By using any of our facilities, website, products or services you acknowledge and agree to the collection, use and disclosure of your personal information in accordance with this Privacy Statement.

Collection of Personal Information

We collect information from you and about you as appropriate to:

• Respond to your enquiries about finance products or insurances we can source for you
• Assess your credit application and source the finance and insurances you require
• Assess the application for finance made by a company where you are listed as a director
• Assess your application to guarantee the repayment of finance we are sourcing
• Provide support
• Promote our products and services
• Manage complaints

Use of Personal Information

• Manage your application: assessing and processing your finance application
• Conducting credit checks and verifying your identity
• Communicating with you about your application and related services
• Meet our regulatory and legal obligations
• Develop new products, policies and procedures
• Undertake market research
• Obtain legal and compliance advice about our obligations

The information we collect may include personal identification, contact details, financial information, lending and default history, banking details, personal and trade references, and employment or business history, depending on the relationship you wish to have with us. If you choose not to provide this information, our ability to assist you may be restricted.

Wherever possible, we collect your information directly from you. We may obtain personal information about you from a third party, such as your accountant or a credit reporting body, where authorised.

We may also collect information from you if you choose to use our website to communicate with us, through customer enquiry forms, online finance applications, or comment forms.

In some circumstances, dealers, accountants, referees, external dispute resolution schemes, your agents and government bodies may provide us with your information. We take steps to protect any information we collect so it will be safeguarded from misuse, loss, unauthorised access, use, disclosure or modification.

The law may require us to retain your personal information for a period of time after our business dealings have finished. It is securely stored and disposed of, or de-identified, when no longer required.

Website Information Collection

When you visit our website, our ISP host records a range of information, including your server address, domain name, the date and time of the visit and the pages viewed. This may be collected using cookies. If you disable cookies, your use of our site may be affected.

Use and Disclosure

We use your information to source the finance and insurances you require, assess your suitability to be a guarantor, and perform other functions and activities associated with managing our relationship.

We will disclose your information to third parties only as the Privacy Act permits and where there is a valid reason to do so. Third parties may include:

• Lenders, financial institutions, and credit reporting agencies
• Government authorities, regulators, law enforcement agencies, as required by law
• Prospective credit providers and/or insurers
• Insurers, insurance brokers and insurance assessors
• Employees, contractors, auditors and advisers
• Debt collection agencies
• Companies to which we are related
• Your agents, including your accountant, legal or financial advisor
• IT and data storage service providers
• Credit reporting bodies

Credit Checks & Reporting

By submitting your application, you consent to us obtaining credit reports from credit reporting agencies. You acknowledge that these agencies may retain your information and disclose it to other credit providers in accordance with their policies.

Data Security & Retention

We take reasonable steps to protect your information from misuse, loss, and unauthorised access. Your information will be retained only as long as necessary for the purposes outlined in this policy or as required by law.

Your Rights

Under the Privacy Act 2020, you have the right to:

• Access and request a copy of your personal information
• Request correction of any inaccurate or outdated information
• Withdraw your consent to the use of your information (subject to legal or contractual obligations)

Contact us at info@streamfinance.co.nz to exercise these rights.

Complaints

If you lodge a complaint, our Internal Dispute Resolution officer will commence investigation within 2 days and provide a response within 14 days. If you do not accept our response, you may take the complaint to our External Dispute Resolution Scheme, Financial Services Complaints Limited (FSCL):

• Email: complaints@fscl.org.nz
• Phone: 0800 347 257
• Mail: FSCL, PO Box 5967, Wellington 6140

Policy Updates

This privacy policy may change over time. You can obtain the current version from our website or by contacting us at info@streamfinance.co.nz.