Superloans Privacy Policy

Superloans is committed to protecting your personal information and handling it in accordance with the New Zealand Privacy Act 2020. This privacy policy explains how we collect, use, disclose, store and protect your personal information when you interact with us.

1. Definitions

Superloans, we, us, our refers to Superloans Limited (the company), its subsidiary companies and Superloans staff acting in their professional capacity.

Superloans Website means the primary Superloans website located at superloans.co.nz, together with any related sites operated by Superloans (including apply.superloans.co.nz and my.superloans.co.nz), and any online products, services, tools or functionality we provide. This definition also includes the official Superloans mobile applications available on iOS and Android, and any features, content, or services accessed through those applications.

Personal Information has the meaning given in the Privacy Act 2020, and includes any information about an identifiable individual.

Third-party service providers means organisations engaged by Superloans to support the delivery and operation of the Superloans Website.

2. Collection of your personal information

We collect personal information directly from you, automatically through your use of the Superloans Website, and from third parties where permitted by law.

Information you provide directly

This may include (but is not limited to):

• Name and Contact details
• Identification information
• Financial information
• Employment and Benefit information
• Application information
• Account information
• Any information you provide when communicating with us

Information collected automatically

When you use the Superloans Website, we may automatically collect certain information about your device and your interactions with the website. We use this information for analytics, diagnostics, security, fraud prevention and detection, and service improvement. This information is generally used in aggregate, non-identifiable form.

Information collected from third parties

We may collect personal information about you from third parties. This may include information from:

• Identity verification providers
• Bank statement retrieval and analysis providers
• Credit reporting agencies
• Vehicle and Asset information providers
• Government databases
• Authentication providers (eg: Google, Facebook)

When using bank statement retrieval and analysis providers, we do not receive or store your online banking login credentials. These credentials are provided directly to the third-party service provider and are not accessible to Superloans.

Where we collect information from a third party, we will take reasonable steps to notify you of the fact that we have collected your information.

3. Purposes for collecting and using your personal information

We collect and use your personal information for the following purposes:

• Assessing applications for finance
• Verifying your identity
• Conducting credit checks
• Performing affordability and responsible-lending assessments
• Managing and maintaining your Superloans account
• Communicating with you about your account, applications, or services
• Meeting legal, regulatory and compliance obligations
• Providing and improving products, services and digital platforms
• Analytics, diagnostics, fraud prevention and detection, and service improvement
• Marketing and promotional activities related to Superloans

By using the Superloans Website, you agree and consent to us collecting and using your personal information for these purposes.

4. Third-party authentication

We may use third-party service providers or social media platforms to verify your identity and authenticate your access to the Superloans Website. When you sign in using these services:

• We receive only the information those providers choose to share with us (typically your name, email address and profile identifier)
• We do not receive your password or login credentials
• The information provided to us is also held by the third-party provider and is governed by their own privacy policies
• You may revoke access through the third-party provider's account settings.

5. Disclosure of personal information

 We will only disclose your personal information:

• For the purposes for which it was collected
• As permitted by the Privacy Act 2020
• As required by law
• With your consent

We may disclose your personal information to:

Third-party service providers

These providers assist us with hosting, analytics, identity verification, authentication, bank statement retrieval and analysis, and marketing.

Credit reporting agencies

We may disclose your personal information to credit reporting agencies. These agencies may:

• Use the information to provide credit reporting services to us and other authorised subscribers
• Hold their own information about you
• Combine their information with the information we provide

You may request a copy of your credit report directly from the credit reporting agency (www.centrix.co.nz) at any time.

Debt collection agencies

We may disclose your personal information to debt collection agencies for the purpose of recovering any overdue amounts owed to Superloans. These agencies may use the information we provide to contact you, to take steps to recover the debt, and to update their own records.

6. Storage, Security and Retention

We use a combination of technical and organisational measures to protect your personal information, including:

• Access controls
• Secure storage systems
• Encryption
• Monitoring and auditing

While we take reasonable steps to protect your personal information, no method of electronic transmission or storage is completely secure. Therefore, we cannot guarantee absolute security. Please be cautious when sharing personal information online.

We retain personal information only for as long as it is required for the purposes for which it was collected, or as required by law.

If any personal information is stored or processed outside of New Zealand, we ensure appropriate safeguards are in place to protect it in accordance with the Privacy Act 2020.

Information you voluntarily make public (such as profile details or comments) may be visible to others. We are not responsible for information you choose to disclose publicly.

7. Your rights

You have the right to:

• Request access to your personal information
• Request correction of your personal information
• Request deletion of your personal information where it is no longer required by us

You may contact us at enquire@superloans.co.nz to exercise these rights.

8. Complaints

If you have concerns about how we handle your personal information, please contact us first (enquire@superloans.co.nz) so we can work to resolve the issue. You also have the right to make a complaint to the Office of the Privacy Commissioner.

9. Changes to this policy

We may update this Privacy Policy from time to time. Any changes will be posted on the Superloans Website, and the updated version will apply from the date it is published.