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.
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.
We collect personal information directly from you, automatically through your use of the Superloans Website, and from third parties where permitted by law.
This may include (but is not limited to):
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.
We may collect personal information about you from third parties. This may include information from:
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.
We collect and use your personal information for the following purposes:
By using the Superloans Website, you agree and consent to us collecting and using your personal information for these purposes.
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 will only disclose your personal information:
We may disclose your personal information to:
We may obtain personal and credit information about you from, and disclose your personal and credit information to, Centrix Group Limited.
This information may include your credit history, payment history, arrears, defaults and other credit-related information. We may use this information for credit checks, identity verification, AML/CFT compliance and other purposes related to assessing your application, managing your account, or meeting our legal obligations.
Centrix collects, holds, uses and discloses personal information to provide credit reporting services to us and to other authorised Centrix subscribers. This may include providing updated credit information, alerts or ongoing credit-monitoring services.
You can read the Centrix Privacy Statement on their website. To request access to, or correction of, your personal information held by Centrix, contact them directly at:
We may disclose your personal information to Recoveries Corporation New Zealand Limited when we require assistance with debt collection, account recovery or related services.
The information we provide may include your contact details, account information, payment history, arrears, defaults, and any other information necessary for Recoveries Corporation to contact you, assess your circumstances, and recover amounts owed to us. Recoveries Corporation may also collect additional information directly from you.
Recoveries Corporation collects, holds, uses, and discloses personal information to provide debt collection and account management services to us and to other clients who use their services. This may include locating you, contacting you, negotiating repayment arrangements, and updating us on the status of your account.
You can read the Recoveries Corporation Privacy Policy on their website. To request access to, or correction of, personal information held by Recoveries Corporation, contact them directly at:
We may use financial analysis services provided by Experian New Zealand Limited and Credit Sense Australia to help assess your application, verify your financial situation, or meet our legal obligations.
With your authorisation, these service providers collect your bank transaction data, account details, income and expense information, and other financial insights directly from your bank. They then analyse this information and provide us with a report summarising your financial position.
To request access to, or correction of, personal information held by Experian or Credit Sense, contact them directly at:
We use trusted third‑party service providers to help us deliver our services, including electronic signature services, cloud hosting, IT support, and communication tools. These providers may process your personal information on our behalf but may not use it for their own purposes.
We use a combination of technical and organisational measures to protect your personal information, including:
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.
You have the right to:
For questions about this Privacy Policy, or to request access to or correction of your personal information, contact us at privacy@superloans.co.nz
If you have concerns about how we handle your personal information, please contact us first (privacy@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.
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.