Privacy Policy

1. About us

Rostron Finance Pty Limited (“we”, “us”, “our”) is committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 2020. This Privacy Policy explains how we collect, use, store, and disclose your personal information when you interact with us, including through our website.

We may update this Privacy Policy from time to time. Any changes will apply from the date the updated version is published on our website.

2. What personal information we collect

“Personal information” means information about an identifiable individual. This may include:

• name, date of birth, and contact details
• address and identification information
• employment and financial information
• information about your circumstances and objectives
• information you provide when using our website or digital services (including IP address and device information)
• information required to verify your identity
• credit‑related information (see section 5) 

If you do not provide the information we request, we may be unable to provide financial advice in relation to consumer credit products, or provide finance broking and credit‑arranging services.

3. How we collect your information?

We collect personal information:

• directly from you (in person, online, by phone, email, or forms)
• when you use our website or digital services
• when you interact with us on social media
• when you request our services, publications, or updates
• when you attend events or seminars 

Indirect collection

We may also collect information about you from third parties, including:

• Credit Reporting Bodies (CRBs)
• identity‑verification service providers
• publicly available sources
• your employer, referees, or representatives
• product providers (e.g., lenders or insurers)
• our aggregator, Viking Aggregation NZ Limited

When we collect information indirectly, we do so to verify your identity, assess suitability and affordability of credit (including consumer and non‑consumer credit), and assist with applications.

4. Why we collect and use your information?

We collect and use your information to: 

• provide financial advice in relation to consumer credit products
• provide finance broking and credit‑arranging services
• assist with applications for consumer and non‑consumer credit and other finance solutions
• verify your identity
• meet our legal and regulatory obligations, including under the Anti‑Money Laundering and Countering Financing of Terrorism Act 2009
• manage and support our business operations
• communicate with you
• provide information about products and services offered by us or our Group (you may opt out at any time)

5. Credit-related information

We may collect, use, and disclose credit‑related information, including:

Credit information

This includes your identity, the type and terms of credit provided to you, repayment history, default information, payment information, court proceedings information, insolvency information, and publicly available information.

Credit eligibility information

This includes credit reporting information supplied to us by a CRB and any information we derive from it.

Credit Reporting Bodies we use

We currently use:

• Centrix – www.centrix.co.nz/privacy-statement/
• Equifax New Zealand – www.equifax.co.nz/privacy 

You appoint us as your agent to obtain credit reports from CRBs on your behalf.

6. Who we disclose your information to

We may disclose your information to:

• credit providers and insurers for the purpose of confirming or arranging insurance on the asset being financed (we do not provide insurance advice)
• our aggregator, Viking Aggregation NZ Limited
• financial advisers and financial advice providers engaged by us
• our related bodies corporate and service providers
• identity‑verification service providers and official record holders
• CRBs (for identity verification, assessing creditworthiness and credit reporting)
• regulators, dispute resolution bodies, courts, and tribunals
• persons assisting with a serious privacy breach
• your representatives (lawyers, accountants, advisers)
• co‑borrowers or guarantors
• organisations assisting with fraud prevention or investigation
• persons considering acquiring an interest in our business
• associated businesses that may want to market products to you (you may opt out)
• any person where required or authorised by law 

We only disclose what is necessary to provide our services, support our operations, or comply with legal obligations.

7. Overseas disclosure

We may disclose your personal information to service providers located overseas. These providers support our financial advice services in relation to consumer credit products, and our finance broking and credit‑arranging services for consumer and non‑consumer credit. The countries in which these providers are located include:

• Australia
• Fiji
• the Philippines

Where we do so, we take reasonable steps to ensure those providers protect your information in a way that is comparable to the safeguards in the Privacy Act 2020. Overseas providers may be required to disclose information to foreign authorities under their local laws.

8. Storage and Security

We store personal information at our offices and in secure data facilities, including cloud‑based systems located within and outside New Zealand. We take reasonable steps to protect your information from misuse, loss, unauthorised access, modification, or disclosure.

9. Access and correction

You have the right to request access to, or correction of, the personal information we hold about you. To make a request, contact:

The Privacy Officer Rostron Finance Level 3, Forsyth Barr House 35 The Octagon Dunedin Central, 9016

Email: privacy@rostron.co.nz |  T: 0800 700 399

10. Contact us

If you have questions or concerns about how we handle your information, please contact us at:

info@rostron.co.nz or write to the Privacy Officer at the address above