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FURN & CO 2022 LIMITED Privacy Policy

This Privacy Policy sets out how FURN & CO 2022 Limited aims to protect the privacy of your personal information, your rights in relation to your personal information managed by us and the way in which we collect, hold, use and disclose your personal information.

 

In handling your personal information, FURN & CO 2022 Limited will comply with the New Zealand Privacy Act 1993 (as applicable), and all other relevant laws, regulations and codes relating to privacy and personal information (‘Privacy Law’).

 

Unless stated otherwise, this Privacy Policy is relevant to the personal information of individuals who are our current or former customers, as well as any other individuals we may deal with (for example, our customers’ guarantors, directors and shareholders or individuals we deal with in other capacities as part of our business).

 

This Privacy Policy may be updated from time to time. You should review it periodically so that you are aware of any changes.

 

What kind of personal information do we collect?

Personal information is information or an opinion about an identified, or reasonably identifiable, individual.

The kinds of personal information FURN & CO may include, but is not limited to, your:

  1. contact and identification information, such as your name, address, email address, telephone number, gender, and date of birth.

  2. information about your vehicles.

  3. government identifiers and related information, such as your driver’s licence to verify your identity or eligibility at the time you request a product or service.

  4. other details relating to your relationship with us, including if we deal with you in a capacity other than a customer (for example, information about agreements or other arrangements) and any information contained in correspondence between us; and

  5. any other information lawfully obtainable under relevant Privacy Law.

In some circumstances, FURN & CO may collect sensitive information about you, for example in relation to insurance claims. Sensitive information is a type of personal information and includes health information and information about racial or ethnic origin, political opinions, membership of a trade union or political association, religious beliefs or affiliations, philosophical beliefs, sexual preferences, and criminal record. We will only collect sensitive information about you where we are permitted to do so by law.

 

How do we collect your personal information?

Where practicable we aim to collect your personal information directly from you. The circumstances in which we may do so will vary depending on the context in which we are dealing with you but can include, for example, when you are:

  • inputting contact details via one of our websites.

  • submitting applications and other forms through our online services, by email, verbally and/or in hard copy.

  • subscribing to receive alerts/e-brochures and filling in surveys or research or participating in promotions and competitions we offer.

  • contacting us for any reason including, but not limited to, reporting a problem with one of our services or websites, requesting further services, updating your personal information, or otherwise seeking our assistance.

  • posting or contributing material on our websites.

 

There may be occasions when we collect your personal information from other sources, such as from:

  • a public or commercial information services provider.

  • social media platforms if you choose to interact with us via your social media account.

  • a third party assisting us to process an application or other transaction, confirming information in an application or other request or assisting us to locate or communicate with you.

  • vehicle dealers and other businesses involved in dealings with you and us.

  • your employer, such as where we are providing a novated lease, salary packaging services or fleet services.

 

Generally, FURN & CO will only collect your personal information from sources other than you if:

  • it is unreasonable or impracticable to collect the personal information from you; and

  • the collection of that personal information complies with all relevant Privacy Law.

 

How we use your personal information

We collect, hold, use and disclose your personal information where it is reasonably necessary for the purposes of providing our products and services, for our other business purposes and for any necessary related purposes. These purposes include, but are not limited to:

  1. provision of commercial and consumer vehicle leasing arrangements and factoring and finance arrangements, including accident replacement vehicle services and invoice factoring products.

  2. processing a product application or service or purchase request.

  3. managing our products and services or other relationships and arrangements.

  4. processing receipts, invoices and payments and servicing customer accounts, including determining liability for payment.

  5. responding to customer enquiries about applications, accounts, products, or services.

  6. understanding customer needs and offering products and services to meet those needs.

  7. assessing, processing, and investigating, credit risk and insurance risks or claims.

  8. accounting, billing, and other internal administrative purposes.

  9. identifying and informing customers of products and services that may be of interest.

  10. notifying you about changes to our products and services.

  11. any other legal and regulatory requirements. Various laws may expressly require us to collect your personal information, or we may need to do so in order to be able to comply with other obligations under those laws.

  12. enforcing our rights, including undertaking debt collection activities and legal proceedings; and

  13. undertaking business funding and development activities.

 

Where personal information is used and disclosed, we take steps reasonable in the circumstances to ensure the personal information is relevant to the purposes for which it is to be used and disclosed. You are under no obligation to provide your personal information to us. However, without certain information from you, we may not be able to provide our services to you or any other relevant customer.

 

Disclosures of your personal information

We may disclose your personal information for purposes such as those listed above, and we will always do so consistently with our privacy obligations.

Third parties to whom we may disclose your personal information include:

  1. administrative services providers, such as mailing houses, printers, and call centre operators.

  2. legal, settlement, valuation, and recruitment service providers.

  3. data processing and market research service providers.

  4. regulatory bodies, law enforcement authorities and toll operators.

  5. any person who is considering whether to acquire or who has acquired any part of our business, or the rights or obligations under our contract with you.

  6. financial and other advisors.

  7. other participants in financial and payment systems, such as banks, credit providers, clearing entities and credit card associations.

  8. account information aggregation service providers, to assist in the transfer of your account data to us in connection with an application for a vehicle leasing arrangement.

  9. insurers, reinsurers, loss adjusters, assessors, and underwriters.

  10. brokers and other distributors.

 

Direct marketing

We may use and disclose your personal information, including by sharing it between members of FURN & CO in order to inform you of products and services that may be of interest to you.

In the event that you do not wish to receive such communications, you can opt out by following the instructions for doing so in the communications we send to you.  

Security of your personal information.

 

We may hold your personal information in physical form or in electronic form on our systems or the systems of our service providers.

We take steps reasonable in the circumstances to ensure that the personal information we hold is protected from misuse, interference, and loss and from unauthorised access, modification, or disclosure. We hold personal information in both hard copy and electronic forms in secure databases on secure premises, accessible only by authorised staff, and follow procedural safeguards that meet or exceed relevant Privacy Law.

We require third parties handling personal information on our behalf to follow equally compliant standards of security and confidentiality.

We will destroy or de-identify personal information in circumstances where it is no longer required unless we are otherwise required or authorised by law to retain the information.

Access and correction to the personal information that we hold about you.

We take steps reasonable in the circumstances to ensure that personal information we hold is accurate, up-to-date, complete, relevant, and not misleading.

You have a right to access and seek correction of your personal information that is collected and held by us. This is subject to some exceptions specified in the Privacy Act 1993 (New Zealand).

If at any time you would like to access or amend the personal information we hold about you, or you would like more information on our approach to privacy, please contact our Privacy Officer in accordance with the contact details set out below.

 

We will grant access to personal information to the extent required by applicable Privacy Law and will take reasonable steps to amend personal information where necessary and appropriate.

To obtain access to your personal information:

  1. you will have to provide proof of identity. This is necessary to ensure that personal information is provided only to the correct individuals and that the privacy of others is protected.

  2. we request that you be reasonably specific about the information you require; and

  3. we may charge you a reasonable administration fee which reflects the cost to us for providing access in accordance with your request. We will not charge you for making the request.

If we refuse your request to access or correct your personal information, we will provide you with written reasons for the refusal and details of the ways in which you can make a complaint. We will also take steps reasonable in the circumstances to provide you with access to your personal information in a manner that meets yours and our needs.

In the event that we correct your personal information previously disclosed to another entity and you request that other entity to be notified of the correction, we will take reasonable steps in the circumstances to do so unless impracticable or unlawful.

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Complaints and Disputes

If you wish to complain or are dissatisfied about the way in which we collect or handle your personal information, including your credit-related personal information, or if you believe we have breached any Privacy Law, you can contact our Privacy Officer using the details below.

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Following a complaint, our Privacy Officer will commence an investigation into your complaint. You will be informed of the outcome of your complaint following completion of the investigation. At all times, privacy complaints:

  1. will be treated seriously.

  2. will be dealt with promptly.

  3. will be dealt with in a confidential manner; and

  4. will not affect your existing obligations or impact on the commercial arrangements between you and us.

In the event you are dissatisfied with the outcome of your complaint, you may refer the complaint to the New Zealand Privacy Commissioner.

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Please direct all privacy queries and complaints to our Privacy Officer at privacyofficer@furnandco.co.nz

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Privacy Statement: The personal information we collect from you will be used to respond to your query about accident loan cars. Our Privacy Policy contains information about how you can access and correct your personal information, how to make a complaint, and how we deal with complaints. TO VIEW OUR PRIVACY POLICY

© 2023 FURN & CO 2022 Limited - NZBN: 9429051154950

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