Privacy Policy

Flink (The Finance Network Limited) is committed to protecting the privacy of each of its customer’s personal and financial information. We take the collection of your personal information seriously and in handling this information we comply with the Privacy Act 2020.

By using this Website, you acknowledge that you are allowing us to collect, use, store and disclose your personal information in accordance with this Privacy Statement.

Information we collect

We collect personal information from you to provide you with the services that you have requested.

When collecting this information from you, we will make it clear the ways in which we may use or disclose that information with your authorisation to do so.

The personal information we may collect may include:

• Information about your identity, like your name, age, gender, identification, biometric data and image.
• Your contact details, like your address, phone number and email.
• Financial information, like your income, assets, expenses and liabilities. Including a request for bank statements.
• Information about your credit history, current obligations and financial position.
• Information about your employment history and occupation.

You do not have to provide us with this information we request, however without it we may not be able to provide you with the services you require.

You have the right to access, and request the correction of, any personal information we hold about you. For this information, please contact us at loans@flink.nz or on 0800 435 465.

Why we collect it

We collect your information to:

• Assess your application to source the finance and insurance you require.
• Assess your credit worthiness.
• Help administer and manage your account.
• Comply with the laws and regulations in New Zealand for lending and identity verification.
• For any marketing, promotional, direct marketing, or market research.
• Generally, do business together.

We may also use your personal information to provide you with information on other products and services, or product and services from third parties unless you inform us you don’t want to be contacted. You can contact us at loans@flink.nz to opt out of receiving this.

Disclosure of Information

When you apply for finance through us, you authorise how we may collect, use and disclose your personal and credit information in the Privacy Statement and consent before we process your application for credit. We will disclose your information to third parties only as the Privacy Act permits and where we consider appropriate for the purposes set out above.

Third parties may include:

Our service providers.

• Any trading bank, finance company, credit union, insurance company or other financial institution.
• Any credit reporting or identity verification service or agency.
• Government agencies and services who may hold information relevant to processing and assessing your application.
• The New Zealand Transport Agency`s `Driver Check` service or any other register or holder of information relating to the ownership of motor vehicles.
• Anyone to whom we may transfer or assign our rights and obligations under our agreement with you.
• Any person who has a guaranteed or given security in the product or service we have provided.
• Your agents, including your accountant or financial advisor, where required.
• Your Employer and referees, where authorised.

Where we receive your Personal Information from third parties (in connection with our product and service offerings), for example, motor vehicle dealers, you acknowledge that the disclosure of your Personal Information to us is governed by that third party’s privacy policy, which should be available for you to view on the relevant third party’s website.

Protecting your information

We will take all practical steps to safeguard our customers personal information against unauthorised use, access, and disclosure. This includes the use of passwords and other identity controls.

We will only retain your Personal Information for as long as reasonably necessary to fulfil the purposes we collected it for. Or until you request us to stop using it; or for as long as required by law.

Website Information Collection

When you visit our website, our web service records a range of information, and this information may be collected by using cookies which is data sent to your web browser. Cookies do many things, like helping us understand how our website is being used, letting users navigate between pages effectively, remembering your preferences, and generally improving your browsing experience. Cookies can also help ensure marketing you see online is more relevant to you. We may use cookies and other similar tracking technologies from third-party partners to help us distinguish between different end users and understand how often a particular end user may visit our website, how the end user got to our service, the end user’s activity on our website, and to deliver advertisements that we believe are relevant to your interests using the Personal Information we hold about you.

If you do you want to receive any cookies, you can disable the use of cookies on browser although your use of our site may be affected.

When visiting our site, you will not be required to provide us with any personal information unless you request information about our services or respond to a promotion. If you do, we will ask you to provide contact details along with other information required to respond to your contact with us.

Complaints and concerns

Please contact us if you have any complaints or queries about how we manage your information, or you no longer wish to receive marketing materials.

Our contact details:

Email: loans@flink.nz

Phone: 0800 435 465