About this Website Policy

MyFi NZ Ltd, NZBN: 9429047319752 (hereinafter referred to as ‘MyFi’, ‘we’, ‘us’ or ‘our’) considers the privacy and confidentiality of you as our customer with the utmost importance. We are committed to keeping your confidential information secure and ensuring that your details are not misused.

As you interest with the website, your personal information will be received. This policy will explain the kinds of information that we will collect as well as how your information will be treated throughout.

This privacy policy is applicable to our current, existing as well as future customers. By visiting our website and registering with us, you agree to this privacy policy.

Our website policy may be subject to change.

Use of Our Website and Mobile App

By using our website or mobile app, you authorise MyFi and our affiliates to collect personal information about you for the purposes explained in this policy. This authorisation will remain valid unless you contact us and remove the authorisation.

Collection and Purpose of Personal Information 

We collect personal information from you from which your identity can be reasonably derived.

Types of personal information may include, but is not limited to:

  • Name
  • Contact details
  • Date of birth
  • Gender
  • Identification information such as Drivers Licence and Medicare Card
  • Financial information such as income types, immediate expenses

We collect your personal information for the purposes of application assessment via our website and/or mobile app. MyFi and/or a matched lender may contact you via phone call, post, email or SMS to discuss the application. MyFi may also contact you to inform you about any new products and promotional offers.

Sensitive information

Sensitive information is any information about a person’s racial or ethnic origin, political opinion, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences or practices, criminal record or health information.

It is not mandatory to submit this information, however if you elect to provide sensitive information it will also be captured and stored within your file.

 

Information from third parties

We may also collect information about you from Third Parties and publicly available sources including your social media accounts.

If you have accessed Third Party websites through our website and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties

Where you access a Third Party website from our website, cookie information, information about your preferences or other information you have provided about yourself may be shared between us and the third party.

 

Advertising and tracking

When you view our advertisements on a Third Party website, the advertising company uses ‘cookies’ and in some cases ‘web beacons’ to collect information such as:

  • the server your computer is logged onto;
  • your browser type;
  • the date and time of your visit; and
  • the performance of their marketing efforts.

When you access our website after viewing one of our advertisements on a Third-Party website, the advertising company collects information on how you utilise our website (e.g. which pages you view) and whether you complete an online application.

Market Research

We on occasion will embark on market research to better understand your needs and views with regards to our services and therefore allow us to provide you with the best product for your needs. We may use third party polling, survey and research companies to conduct market research. We may provide your name and contact information including phone numbers, mail and email address to the these parties for the purpose only of contacting you and conducting the market research. Your information will not be used by these companies for any other purpose.

Cookies

MyFi may use ‘cookies’:

  • to allocate a unique number to your internet browsers;
  • to customise our website for you;
  • for statistical purposes (such as analyse trends, improve marketing);
  • to identify if you have accessed a Third-Party Website; and
  • for security purposes.
  • to manage the website

A ‘cookie’ is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can control the use of cookies at an individual browser stage by disabling these cookies that may restrict your use of certain features or services on our website in your internet browser.

IP addresses

Your IP address is the identifier for your computer when you are using the internet.

As you interact through our website, your IP address will be collected.

Online applications 

When you send a completed online application to us, we retain the information contained in that application.  We can then use that information to accurately provide our service for you.

You can also suspend and save online applications, so you can complete and send the applications later. If you suspend or save your application, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application. Online applications that have been suspended or saved may be viewed by us.

Disclosure of your Personal Information

We may disclose your personal information for various reasons including:

  • To lenders as a part of offering the services you have applied for on our website and/or mobile application form.
  • To credit reporting bodies in relation to failure to meet repayment obligations or commit a serious credit infringement.
  • To anyone who represents you.
  • To anyone who you consent to receiving your personal information.
  • Where we are required to by law.
  • To identification verification services

Prior to disclosing your personal information, we will take all reasonable steps to ensure that:

  • The disclosure is necessary to achieve the purpose outlined in this policy.
  • The associate partner maintains a privacy policy that is at least equal to our commitment
  • Where required, you have consented to us making the disclosure.

Disclosure of your Personal Information to Credit Reporting Bodies

MyFi may also disclose certain credit related personal information to credit reporting bodies. For example, if you fail to meet repayment obligations or commit a serious credit infringement, we may be entitled to disclose this to a credit reporting body for the purpose of collecting any outstanding debts or making a default credit listing.  When such information is disclosed to a credit reporting body, the credit reporting body may include such information in reports provided to credit providers to assist them in assessing your credit worthiness.

Security of information

The security of your information is very important to us. We use industry standard encryption technology to ensure the protection of your personal information.

You must also maintain the confidentiality and security of your Membership ID and password and may not share these credentials with any third party.

We regularly review developments in security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as totally secure.

We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorised access, modification or disclosure.

If we no longer require your information, and we are legally permitted to, we will take all reasonable steps to destroy or de-identify the information.

We take reasonable steps to preserve the security of cookie and personal information in accordance with this policy. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted).

For complaints, you can contact the complaints@myfiservices.co.nz

Our business will always seek to ensure that remedies are fair. In considering an appropriate remedy, we will have regard to the applicable legal principles, relevant codes of conduct, fairness to the complainant and good practice.

Direct marketing

We will not use or disclose sensitive information about you for direct marketing purposes unless you have consented to that kind of use or disclosure.

We may use your personal information for direct marketing purposes.  If you do not wish to receive direct marketing communications from us or from other organisations or wish to know the source of the information being used, you may submit a request via email to: hello@myfiservices.co.nz We will respond to your request as soon as possible.