Privacy Policy

This is the Privacy Policy of Nomu Finance Limited (Nomu,we, our, or us).

This privacy policy describes the type of information that we collect about you, how we will handle your information, who we can share your information with and your rights to the personal information we hold about you.

We comply with the New Zealand Privacy Act 2020 (the Act)when handling personal information. Personal information is information held and processed about an identifiable individual (a natural person).

We take your privacy and data security seriously. Nomu uses bank-grade technology to protect any personal information you share with us and takes all reasonable steps to keep it secure. However, please note that information sent over the internet can never be guaranteed as completely secure.

By contacting us (by phone, email or in person), visiting our website, using our online forms or verification tools, or applying for any of our products or services, you acknowledge that we will collect, use, store, disclose and process your personal information in accordance with this Privacy Policy and the Privacy Act 2020.

Personal information we collect

We may collect, store, use, disclose and retain the following types of personal information:

• Your contact information, including your name, address, email, phone, date of birth and other personal information about you including information which you have shared publicly on social media platforms.
• Your residency status and/or your right to work in New Zealand.
• Information about your income, employment history, financial information including details of your income, assets and liabilities, your credit history and credit requirements.
• Bank account transactions including information on your account.
• Information about your application, account and account activity and all interactions and correspondence with us (including SMS, email and telephone).
• Information about your property, assets or goods(where relevant).
• Copies of documents you provide (for example, your New Zealand Drivers License or New Zealand Passport) or any personal information including biometric identification) contained within these documents which you submit to us electronically.
• Information about your interactions with us including through any electronic service.
• Details of your computer or network including activity within any electronic service used or provided by us, including e-mail, social media, electronic application, electronic document collection and details of any mobile device you used to access an electronic service (for example, your IP address, security information, geo-location).

How we collect your personal information

We will collect your personal information from you directly where possible, through our website, marketing campaigns, promotions or competitions run by us. We may also collect information from common internet technologies like cookies and analytics.

We may collect bank account transaction information from your bank or financial institution using secure bank data providers with your consent.

We may obtain your credit score and credit-related information from Centrix and Experian reporting agencies.

How we use your personal information

We collect, retain, use and disclose your personal information in order to provide the information and services that you request from us, and to provide you with information about other services we consider appropriate.

Specifically, we may use it to

• Assess and provide a response to any application you submit to us including assessing your current and ongoing credit-worthiness.
• Open and administer an account for you following a successful application
• Facilitate your entry into any relevant insurance.
• Monitor your account(s) to prevent and detect fraud.
• Verify (or re-verify) your identity and address as required, including electronically.
• Operate, improve and optimise our website or any electronic service for our customers, including sending you service, support and administrative messages, reminders, and updates.
• Communicate with you about your application, account or any lending, product or services being offered by us.
• Provide other related products or services(including electronic services) to you.
• Conduct market research and statistical analysis.
• Ensure we comply with our legal obligations including under New Zealand credit, privacy legislation and regulation, and under any industry codes of conduct.

Who we share your personal information with

We may share your personal information with trusted partners and organisations that help us provide our services and meet our legal requirements.

These may include credit reporting agencies, lenders, pastor current credit providers, insurers, government agencies (such as the New Zealand Transport Agency, Department of Internal Affairs, Inland Revenue and other regulators), employers, banks, law enforcement agencies, technology providers, debt collection agencies, and any joint applicant or authorised representative.

We may also share information with any assignee or potential assignee of our rights in relation to your application or account.

By submitting an application, contacting us or using our services, you authorise Nomu Finance to request and obtain your personal information from these sources and consent to them providing information to Nomu Finance for the purposes described in this Privacy Policy.

Your rights

Providing your personal information to us is always your choice. However, if you choose not to provide certain details or do not consent to our collection and use of your information as outlined in this policy, we may not be able to assess or process your application and may be unable to proceed with it.

You can opt out of receiving marketing messages from Nomu Finance at any time by following the unsubscribe link in our emails or by contacting us directly.

You are entitled, on request, to receive confirmation of whether we hold any personal information about you. Where any of your personal information can be readily retrieved, you may request access to it and ask us to correct any details you believe are inaccurate or incomplete. You also have the right to be notified of any action we take in response to your request.

To make a privacy request or raise a concern, please email privacy@nomu.co.nz or call us on 0800 437 621 during business hours.

If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner at privacy.org.nz or the Insurance and Financial Services Ombudsman Scheme at ifso.nz.

Updates

We may update this policy from time to time. The updated version will be published this website and apply from the date we make it available.