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Privacy Policy

Right Now Finance Limited (“RNF”, “we”, “us”, “our”) is committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 2020, the Credit Reporting Privacy Code 2020, and all other applicable New Zealand laws.

NZBN 9429049680577 | FSP 1009533

1  |  Scope

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This policy explains how we collect, use, store, and share the personal information of:

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• Individual customers

• Self employed persons

• Companies (incl. directors, guarantors & beneficial owners)

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It applies when you visit our website, request a quote, start or complete a finance or insurance application, or otherwise interact with us.

2  |  What We Collect

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Depending on your relationship with us we may collect:

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Identification & contact: Full name, date of birth, driver licence / passport, physical & email addresses, phone numbers

Financial & credit: Income, expenses, assets, liabilities, bank statements, credit history, repayment behaviour

Employment & business: Employer details, job title, business financials, NZBN

Insurance & asset: Vehicle, property or personal risk details, claims history

Technical: Device/ browser data, IP address, cookies and site‑usage statistics

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We collect information directly from you wherever possible. We may also obtain information (with your authority or as permitted by law) from accountants, employers, referees, credit reporting bodies (CRBs), government agencies, insurers, motor‑vehicle dealers, our funding partners and other third parties.

3  |  Why We Collect It

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We use your information to:

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  1. Provide services – assess and arrange finance or insurance, manage applications and accounts, register security interests, and communicate with you.

  2. Verify identity & meet legal duties – e.g. anti‑money‑laundering (AML/CFT), responsible lending, tax or sanctions checks.

  3. Manage and improve our business – customer support, staff training, auditing, system development, market research and analytics.

  4. Marketing (optional) – tell you about products or promotions we think may interest you. You can opt out at any time.

4  |  Who We Share It With

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We disclose information only for the purposes above, to:

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  • Lending & insurance partners that assess or provide the products you request.

  • Credit Reporting Bodies (e.g. Equifax NZ, Centrix) for credit checks and account‑status reporting.

  • Service providers (IT, mailing, document storage, advisers, auditors) under strict confidentiality.

  • Regulators & law‑enforcement agencies where required or authorised by law.

  • Affiliated entities that help deliver our services.

5  |  Storage & Security

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Your information is held in secure electronic or physical form and protected against unauthorised access, alteration, or loss. We retain it only as long as needed for the purposes above or as required by law, then securely destroy or de‑identify it.

6  |  Your Rights

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Under the Privacy Act 2020 you can:

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  • Access the personal information we hold about you.

  • Request correction of any inaccuracies.

  • Withdraw consent for marketing at any time.

  • Complain to us if you are unhappy with our response.

7  |  Cookies & Website Analytics

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Our website uses cookies to improve performance and gather aggregated statistics. You may disable cookies in your browser, but parts of the site may not work optimally.

8  |  Complaints

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If you have a privacy concern, please contact us first. We will acknowledge your complaint within two business days, investigate, and aim to resolve it within 10 business days (keeping you updated if it takes longer). If we haven’t resolved things to your satisfaction within 40 working days, you can refer your complaint to Financial Dispute Resolution Service (FDRS) – our external dispute‑resolution scheme.

9  |  Changes to This Policy

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We may update this Privacy Policy from time to time. The latest version is always available on our website and takes effect when posted.

10  |  Contact Us

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Right Now Finance Ltd
198  Ferry Road, Waltham, Christchurch 8011
Phone: 021 236 5748 | Email: info@rightnowfinance.nz

✅ Customer Consent

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By submitting a quote request, starting an application, or otherwise providing personal information to Right Now Finance, you confirm that you have read, understood, and agree to this Privacy Policy, and you authorise us to collect, use, store, and disclose your information as described above.

(Updated May 2025)

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