Privacy Policy
Effective Date: 3rd October 2025
Last Updated: 3rd October 2025
QuickLoans (“QuickLoans”, “we”, “our”, “us”) is committed to protecting your privacy and handling your personal information in accordance with the New Zealand Privacy Act 2020, as well as international best practice.
This Privacy Policy explains how we collect, use, disclose, protect, and store your personal information when you interact with us, apply for a loan, or use our website https://www.quickloans.co.nz.
1. What Information We Collect
We may collect the following categories of information:
• Identification details: name, date of birth, driver’s licence, passport or other identity documents.
• Contact details: email address, phone number, residential and postal address.
• Financial information: bank account details, income, employment information, assets, liabilities, credit history, repayment history, transaction records.
• Additional information: alternative contacts (for location purposes), citizenship status, marital status, landlord details.
• Digital information: IP address, device identifiers, browser type, pages visited, cookies, and analytics data.
• Communications: emails, phone calls, chat messages, or other correspondence.
• Other information you choose to provide to us during your loan application or in ongoing dealings.
2. How We Collect Information
We collect personal information:
• Directly from you when you apply for a loan, use our website, or contact us.
• From third parties with your consent, such as credit reporting agencies, employers, banks, referees, and landlords.
• Automatically through cookies and similar technologies when you visit our website.
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3. Purpose of Collection and Use
We use your personal information for the following purposes:
• To assess and process loan applications.
• To verify your identity and comply with anti-money laundering (AML/CFT) obligations.
• To manage your loan, repayments, and ongoing customer relationship.
• To communicate with you regarding products, services, or support.
• To conduct credit checks and share repayment history with credit reporting agencies.
• To comply with legal and regulatory requirements.
• To improve our website, services, and customer experience through analytics.
• With your consent, to send you marketing material (you can opt out anytime).
4. Legal Basis for Processing
We process personal information on the following bases:
• Contractual necessity – to provide you with a loan or related service.
• Legal obligation – to meet our obligations under laws such as the Credit Contracts and Consumer Finance Act, AML/CFT Act, and Privacy Act.
• Consent – for optional uses such as marketing or non-essential cookies.
• Legitimate interests – such as fraud prevention, system security, and improving services.
5. Disclosure of Your Information
We may disclose your personal information to:
• Credit reporting agencies for credit checks and reporting repayment history.
• Service providers and contractors who support our operations (e.g., IT, payment processing, analytics, debt collection).
• Regulators and authorities where required by law.
• Professional advisers (e.g., auditors, legal counsel).
• Third parties with your consent, such as when you request us to provide information to another lender.
We do not sell your personal data to third parties.
6. Overseas Transfers
Some of our service providers (such as Google Analytics or cloud hosting) may store or process data outside New Zealand. Where this occurs, we ensure that appropriate safeguards are in place to protect your personal information (such as contractual protections or providers in countries with adequate data protection standards).
7. Cookies and Tracking Technologies
We use cookies, pixel tags, and similar technologies to:
• Improve website functionality.
• Analyse traffic and usage patterns via Google Analytics.
• Provide a personalised experience.
You can manage or disable cookies via your browser settings. Essential cookies are required for core functionality; non-essential cookies (e.g., analytics, marketing) are used only with your consent. See our [Cookie Policy] for more details.
8. Your Rights
Under the Privacy Act, you have the right to:
• Access your personal information.
• Request correction of inaccurate or incomplete information.
• Withdraw consent for marketing or cookies at any time.
• Complain to the Office of the Privacy Commissioner if you believe your rights have been breached.
To exercise these rights, contact us at [email protected] or use the contact details below.
9. Data Retention
We retain personal information only as long as necessary:
• To meet the purposes described above.
• To comply with legal, regulatory, and financial reporting obligations.
• To resolve disputes and uphold our agreements.
When no longer required, data is securely deleted, anonymised, or archived in line with legal retention periods.
10. Security
We take appropriate technical and organisational measures to protect your personal information, including:
• Secure servers, encryption, and firewalls.
• Access controls and staff training.
• Regular audits and monitoring.
While we take reasonable steps, no system is 100% secure, and we cannot guarantee absolute security.
11. Automated Decision-Making
When assessing loan applications, we may use automated credit scoring systems. These systems evaluate information such as credit history and financial data. You have the right to request human review of any decision that significantly affects you.
12. Children
Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.
13. Changes to This Policy
We may update this Privacy Policy from time to time. Updates will be posted on our website with a revised “Last Updated” date. If the changes are material, we will notify you directly where reasonably possible.
14. Contact Us
For privacy queries, access requests, or complaints, please contact:
Privacy Officer
QuickLoans
Email: [email protected]
Phone: 0800 435 746
Address: 3 Shirley Road, Mairehau, Christchurch 8013, New Zealand
If we cannot resolve your complaint, you may contact:
Office of the Privacy Commissioner
www.privacy.org.nz
