Terepay Neophile Limited Privacy Policy

Updated October 5, 2024

To Terepay Neophile Limited ("Terepay"), 101 Pakenham St West, Wynyard Qtr.

This is the Privacy Policy of Terepay Neophile Limited (Terepay, we, our or us).

This Privacy Policy describes the type of information that we will collect about you, how we will handle your information, who we can share your information with, and your rights to the Personal Information we hold.

We understand the importance of keeping your information safe and secure. We will take all reasonable steps to securely store any Personal Information we collect. However, you should be aware that information transmitted over the internet is not always completely secure.

By contacting us (by phone, email, or in person), accessing our website, using our electronic services, our ID verification application or electronic document collection, or requesting and/or using our products and services, you consent to the collection, use, disclosure, storage, and processing of your Personal Information and data in accordance with this Policy.

What Personal Information will we collect?

You agree that we may collect, store, use, disclose and retain the following types of information:

  1. Your name, address, date of birth, and other contact information, including information you have shared publicly on social media platforms.
  2. Information about your credit history, personal finances, and credit requirements.
  3. Information about your account and account activity, and all interactions and correspondence with us (including telephone conversations);
  4. Information about your property or goods (where relevant);
  5. A copy of any document you provide to Terepay (for example, your New Zealand Driver Licence, New Zealand or Australian Passport) and any personal (including biometric) information contained in those documents or which you submit to Terepay electronically;
  6. Details of your computer or network, including activity within any electronic service used or provided by Terepay, including e-mail, social media, electronic document collection, and any mobile or other electronic application (an Electronic Service) and details of any mobile device you use to access an Electronic Service (including, for example, your IP address, security information, geo-location etc);
  7. Information about your interactions with Terepay, including through any Electronic Service.

We will collect your personal information directly from you where possible, but we may also collect your personal information from common internet technologies (like cookies) and any of the sources listed under the heading "Who will we share your Personal Information with?"

For what purpose do we collect, retain, use and disclose your Personal Information?

You authorise us to collect, retain, use, and disclose your Personal Information to:

  1. Assess and respond to any quotation inquiry you make;
  2. Assess/process any application you submit to Terepay, including assessing your current and ongoing creditworthiness;
  3. Open and manage/administer an account or issue any product to you following a successful application;
  4. Maintain the integrity and effectiveness of Terepay's credit records and those of credit reporting agencies;
  5. Enforce any defaults under your account(s);
  6. Monitor your account(s) to prevent and detect fraud;
  7. Verify (or re-verify) your identity and address ("ID Verification") as required, including electronically;
  8. Operate, improve and optimise our website(s) or any Electronic Service;
  9. Communicate with you about your application, account, or any lending or product which Terepay issues;
  10. Provide other related products or services (including Electronic Services) to you;
  11. Conduct market research and statistical analysis;
  12. Ensure we can comply with our legal obligations including under New Zealand credit and privacy legislation and regulation, under industry codes of conduct, and our contracts.

Who will we share your Personal Information with?

You agree that Terepay may share your Personal Information (for the above purposes) with and may also request and obtain Personal Information about you from:

  1. Credit reporting agencies, past and current credit providers, insurers, government agencies, employers, banks, law enforcement agencies;
  2. Any dealer, vendor or broker relevant to your application or account;
  3. Third parties for marketing, data processing, and statistical analysis;
  4. Any agents or third parties who provide services to Terepay;
  5. Debt collection agencies and other providers of relevant professional services (like law firms or dispute resolution schemes);
  6. Any joint account holder;
  7. Any assignee (or potential assignee) of the rights of Terepay in relation to your account or product.

You agree that Terepay is authorised to request and obtain your Personal Information from all of the above sources and that the above sources may provide that information to Terepay and may use your Personal Information for the purposes outlined above.

What are your rights?

It is your decision whether you wish to provide your Personal Information to Terepay. If you do not consent to us collecting and disclosing your Personal Information in the ways described above, we may not be able to process your application (which may mean that we decline your application).

You can unsubscribe from any marketing communications from us by following the instructions on any communications sent to you.

You are entitled (on request) to receive confirmation of whether Terepay is holding any of your Personal Information. Where any of your Personal Information can be readily retrieved, you may request access to it, and you have the right to request correction and the right to be notified of action taken in response to any such request, subject to payment of any reasonable charges.

If you wish to access your Personal Information or if any of the Personal Information we have is incorrect, or you think we have breached our obligations under the Privacy Act, please call our Contact Centre on [Terepay's contact number] or contact one of our branches during business hours.

If you are unhappy with our response to any privacy concern or complaint raised, you may wish to contact either the Privacy Commissioner at privacy.org.nz or the Insurance and Financial Services Ombudsman Scheme at www.ifso.nz.

Changes to this Privacy Policy

We may vary this Privacy Policy from time to time. You will be given at least 14 days' notice of any variation either by post or email to your last known address, email, telephone call, notice in branch or notice on our website.

We are not obliged to give you advance notice if an immediate change to this Privacy Policy is deemed necessary for security purposes.

You agree to be bound by the Privacy Policy that is in effect at the time you contact us or use our services.

For more information about privacy law and practice in New Zealand, please visit the Office of the Privacy Commissioner at www.privacy.org.nz.

Website Privacy Policy

Updated October 5, 2024

Availability of Products and Services

The products and services described on this website are available only to New Zealand residents and in relation to property in New Zealand. Terepay Neophile Limited and its assigns and related companies regret that, at this time, we cannot accept applications for these products and services from persons other than New Zealand residents. The information contained on this website should not be regarded as promoting any product or service other than those offered by Terepay Neophile Limited and its assigns and related companies in New Zealand.

The information on this website has been prepared under New Zealand law for the supply of these products and services in New Zealand only. Terepay Neophile Limited does not accept responsibility for the compliance of this information with the laws of any other country. Accordingly, the information is not directed at persons in any other country and should not be relied upon by persons in any country other than New Zealand.

Applications for Credit

All applications for credit are subject to Terepay Neophile Limited lending criteria. Applications for credit may also be subject to approval fees. Insurance costs may apply. For further information on fees or about a particular product or service, please contact Terepay Neophile Limited.

Terms & Conditions

If you require another copy of the Terms & Conditions Booklet that relates to your loan with Terepay, please contact our customer service.

Intellectual Property

Terepay Neophile Limited holds all copyright and other intellectual property rights in this website and reserves all rights, save as provided in this disclaimer. You may electronically reproduce and store the contents of this website solely for the purposes of viewing this website, or saving website content, for your own personal use. You may not display or distribute the content of any of these pages in public or where the content is accessible to the public, including any reproduction in any form on the Internet, without permission from Terepay Neophile Limited. Any infringement of Terepay Neophile Limited's intellectual property rights will be fully enforced under New Zealand law.

Hypertext Linking

Please do not create a link to any of the pages on this website without the prior permission of Terepay Neophile Limited. If you do create a link to any of the pages on our website, you acknowledge that you are responsible for all direct or indirect consequences of the link, and you indemnify Terepay Neophile Limited for all loss, damage, liability, costs or expense arising from or in connection with the link.

If you wish to create a link to any of the pages on this website, please contact our customer service at customer@terepay.com.

Links to Other Web Sites

Hypertext Links which Terepay Neophile Limited provides on this website to other Internet resources are not investigated or monitored by Terepay Neophile Limited. Accordingly, the content, timeliness, opinions, and Hypertext Links found on Internet resources to which we provide Hypertext Links are also not investigated or monitored by Terepay Neophile Limited.

Website Tools

The calculators and tools which may be used on this website from time to time are intended to be illustrative only. Terepay Neophile Limited does not represent or warrant the accuracy, adequacy or completeness of any information provided by those calculators and tools. Please consult a Terepay Neophile Limited staff member either before selecting a product or service or acting on the basis of information provided by these tools.

Email Disclaimer

The information in emails from Terepay, including any attachments, is confidential and may be legally privileged. It is intended solely for the addressee(s). If you are not the intended recipient, you are hereby notified that any use, storage, disclosure, distribution or reproduction of this email, including any attachments, is prohibited.

If you have received an email from us in error, please:

  • Let us know by replying to the email at customer@terepay.com or contacting our helpdesk on +64 9 886 7158; and
  • Destroy the email, including any attachments

We accept no responsibility for any loss or damage to your system arising from the receipt or use of our emails, including any attachments. If you send an email to Terepay Neophile Limited (Terepay), you accept that Terepay may update its customer records with that email address and that Terepay may thereafter communicate with you using that and any other email addresses it holds for you, for marketing purposes. Emails sent to Terepay cannot be guaranteed to be completely secure and you accept any risks associated with sending emails to, and receiving emails from, Terepay. Any views expressed in emails from Terepay, including any attachments, are those of the individual sender and may not necessarily reflect the views of Terepay.

Other Information

While Terepay Neophile Limited has taken every care to ensure that the information contained on this website is complete and accurate, it does not represent or warrant the accuracy or completeness of any information on this website or that this information is suitable for your intended use. Terepay Neophile Limited accepts no responsibility or liability arising from or in connection with your use of this website and the information contained on it. Also, no information on this website is intended to constitute an offer to enter into any transaction or relationship, the promotion of any product or service other than those offered by Terepay Neophile Limited in New Zealand, or to provide the basis of any credit. Please consult a Terepay Neophile Limited staff member before selecting a product or service or acting on the basis of information provided by this website.

Timeliness

Terepay Neophile Limited will endeavor to keep this website as up-to-date as possible, but all information contained on our website is subject to change, including interest rates and fees. All information is current at the time of publication, but if you are unsure of the timeliness of any information, please contact Terepay Neophile Limited before proceeding.

Online Application Security

The Terepay Neophile Limited Online Application form uses high-level encryption to provide you with highly secure online data transfer.

Privacy

Information transmitted over the Internet is inherently insecure. However, once Terepay Neophile Limited receives any personal information from you, Terepay Neophile Limited will hold that information securely and will only use it to provide information to you and for statistical purposes. You may access personal information held by Terepay Neophile Limited by making an enquiry through our customer service, and request correction of any errors in that information. A fee may be payable.

Cookies

This website uses the following cookies:

  1. Google Analytics: This cookie allows us to see information on user website activities including, but not limited to page views, source and time spent on website. The information is depersonalized and is displayed as numbers, meaning it cannot be tracked back to individuals. This will help protect your privacy. Using Google Analytics we can see what content is popular on our website and strive to provide more relevant and helpful content.
  2. Display Advertising: Using Google Adwords code we are able to see which pages helped lead to contact form submissions. This allows us to make better use of our paid search budget. Visitors can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads using the Ads Settings or by using the Google Analytics opt-out browser add-on.
  3. Remarketing: We use remarketing codes to log when users view specific pages, allowing us to provide targeted advertising in the future. Third-party vendors, including Google, show your ads on sites across the Internet. Terepay Neophile Limited and third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie) together to inform, optimize, and serve ads based on someone's past visits to your website.

Law of This Website

This website is governed by and is to be interpreted consistently with New Zealand law.

Contact Information

For any queries regarding this privacy policy or our services, please contact our customer service:

Email: customer@terepay.com Phone: +64 9 886 7158

By using this website, you agree to the terms of this privacy policy. If you do not agree with these terms, please do not use this website.

ID Capture and Verification Privacy Policy

Updated October 5, 2024

1. Introduction

Terepay Neophile Limited ("Terepay", "we", "our", or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Comprehensive ID Capture and Verification Privacy Policy ("Policy") outlines how we collect, use, disclose, and protect your personal information during our identity verification process.

By using our ID capture and verification process, you agree to the terms of this Policy. If you do not agree with these terms, please do not proceed with the ID verification process and contact our customer service to discuss alternative options.

2. Scope of this Policy

This Policy applies to all personal information collected through our ID capture and verification process, whether through our website, mobile application, or any other digital platform provided by Terepay.

3. Personal Information We Collect

3.1 Types of Personal Information

By using our ID capture and verification process, you agree that we may collect, store, and retain the following types of information:

a) Identity Document Information:

  • A digital copy of your identity document (e.g., New Zealand Driver's Licence, New Zealand Passport, Australian Passport)
  • All personal information contained within these documents, including but not limited to:
    • Full name
    • Date of birth
    • Photograph
    • Document number
    • Expiry date
    • Residential address

b) Biometric Information:

  • A captured image of your face (selfie)
  • Any biometric data derived from this image or your identity document

c) Device and Technical Information:

  • Mobile device type and model
  • Operating system and version
  • Application version
  • IP address
  • Geolocation data
  • Browser type and version
  • Time zone setting
  • Browser plug-in types and versions

d) Usage Information:

  • Date and time of ID capture
  • Duration of the verification process
  • Number of attempts
  • Any error messages encountered

3.2 Method of Collection

We collect this information through:

a) Direct input by you into our digital platforms b) Automated capture using your device's camera c) Automatic collection of device and technical information

4. Purpose of Collection and Use of Personal Information

We collect and use your personal information for the following purposes:

a) To verify your identity in compliance with anti-money laundering (AML) and counter-terrorism financing (CTF) regulations b) To assess your eligibility for our products and services c) To prevent fraud and enhance the security of our services d) To improve and optimize our ID capture and verification process e) To comply with our legal and regulatory obligations f) To respond to your inquiries and provide customer support g) To conduct internal research and analysis to improve our products and services

5. Disclosure of Personal Information

5.1 Third-Party Service Providers

We use Datazoo (https://www.datazoo.com) as our primary electronic verification platform. By using our ID capture and verification process, you acknowledge and agree that we will disclose your personal information to Datazoo for the purpose of verifying your identity.

5.2 Government and Regulatory Bodies

We may disclose your personal information to relevant government agencies and regulatory bodies, including but not limited to:

a) New Zealand Transport Agency b) New Zealand Department of Internal Affairs c) New Zealand Police d) New Zealand Financial Markets Authority (FMA) e) New Zealand Department of Internal Affairs

5.3 Credit Reporting Agencies

We may disclose your personal information to credit reporting agencies as part of our verification process or as required by law.

5.4 Other Third Parties

We may also disclose your personal information to:

a) Our professional advisers (e.g., lawyers, accountants, auditors) b) Our related companies or business partners, where necessary for the provision of our services c) Any third party to whom we are required to disclose personal information by law or court order

6. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized or unlawful processing, accidental loss, destruction, or damage. These measures include:

a) Encryption of data in transit and at rest b) Regular security assessments and penetration testing c) Access controls and authentication measures d) Staff training on data protection and information security e) Physical security measures for our premises and data centers

While we strive to protect your personal information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee the absolute security of your personal information.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements. The specific retention period depends on the nature of the information and the purpose for which it was collected.

8. Your Rights

Under the New Zealand Privacy Act 2020, you have the following rights regarding your personal information:

a) Right to access your personal information b) Right to request correction of inaccurate personal information c) Right to request deletion of your personal information (in certain circumstances) d) Right to object to processing of your personal information e) Right to data portability

To exercise any of these rights, please contact our customer service at customer@terepay.com or call +64 9 886 7158 during business hours.

9. Cookies and Analytics

9.1 Cookies

We use cookies to enhance your experience during the ID capture and verification process. These cookies may collect information about your usage of our digital platforms. You can adjust your device or browser settings to refuse cookies, but this may limit the functionality of our services.

9.2 Analytics

We use Google Analytics to measure and analyze the performance of our ID capture and verification process. This provides us with anonymous statistics about usage patterns, which help us improve our services.

10. Changes to this Policy

We may update this Policy from time to time to reflect changes in our practices or for legal or regulatory reasons. We will notify you of any material changes by:

a) Sending an email to your registered email address b) Displaying a prominent notice on our website or mobile application c) Any other method as required by applicable law

11. Contact Us

If you have any questions, concerns, or requests regarding this Policy or our privacy practices, please contact us at:

Email: customer@terepay.com Phone: +64 9 886 7158 Address: [Terepay's physical address]

12. Complaints

If you believe that we have breached your privacy rights or this Policy, please contact us immediately. We will investigate your complaint and respond to you within a reasonable timeframe.

If you are not satisfied with our response, you may complain to the Office of the Privacy Commissioner:

Website: www.privacy.org.nz Phone: 0800 803 909

By proceeding with the ID capture and verification process, you acknowledge that you have read, understood, and agreed to this Comprehensive ID Capture and Verification Privacy Policy.

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