Stream Finance Limited is committed to protecting your privacy and the confidentiality of your personal and credit information. In handling your credit or personal information, we are bound and comply with the NZ privacy act of 2020. 

By using any of our facilities, website, products or services you acknowledge and agree to the collection, use and disclosure of your personal information in accordance with the Privacy Statement.  

Collection of Personal Information 

We collect information from you and about you as appropriate to: 

• Respond to your enquiries about finance products or insurances we can source for you. 

• Assess your credit application and source the finance and insurances you require. 

• Assess the application for finance made by a company where you are listed as a director.  

• Assess your application to guarantee the repayment of finance we are sourcing. 

• Provide support. 

• Promote our products and services  

• Manage complaints 

Use of personal Information 

• Manage your application: Assessing and processing your finance application 

• Conducting credit checks and verifying your identity 

• Communicating with you about your application and related services  

• Meet our regulatory and legal obligations 

• Develop new products, policies and procedures  

• Undertake market research  

• Obtain legal and compliance advice about our obligations. 

The information we collect may include personal identification, contact details, financial information, lending and default history, banking details, personal and trade references and employment or business history, depending on the relationship you wish to have with us. If you choose not to provide this information, our ability to assist you may be restricted. 

Wherever possible, we will collect your information directly from you should you wish us to source finance and insurances for you. We may obtain personal information about you from a third party, such as your accountant or a credit reporting body, where authorised. Wherever possible we will tell you who we need to contact and why. 

We may also collect information from you if you choose to use our website to communicate with us. We will collect the information you provide through our interactive facilities, such as customer enquiry, online finance application or comment forms. 

In some circumstances, dealers, accountants, referees, external dispute resolution schemes, your agents and government bodies may provide us with your information. The circumstances in which third parties provide us with information include purchase or service requirements, finance applications, account management and complaints. 

We take steps to protect any information we collect so it will be safeguarded from misuse, loss, unauthorised access, use, disclosure or modification. 

The law may require us to retain your personal information for a period of time after our business dealings have finished. It is securely stored and disposed of, or de-identified, when no longer required. 

Website information collection 

When you visit our website, our ISP host records a range of information, including your server address, domain name, the date and time of the visit and the pages viewed. This information may be collected by using cookies which is data sent to your web browser. This allows our site to interact more efficiently with your computer. 

If you disable the use of cookies, your use of our site may be affected. Information collected about your visit to our site is retained for statistical and website development reasons and is not in a form which would enable us to identify you. 

When visiting our site, you will not be required to provide us with any personal information unless you request information about our services or respond to a promotion. If you do, we will ask you to provide contact details along with other information required to respond to your contact with us. 

We may also retain that information provided for planning purposes. It may also be used for direct marketing purposes unless you tell us you do not wish to receive marketing material. 

Use and disclosure 

We use your information to source the finance and insurances you require, assess your suitability to be a guarantor and perform other functions and activities associated with managing our relationship. 

Those functions and activities can include our internal administration, preliminary credit assessment, account management, product or service development, compliance audits/reviews, marketing, complaints management, planning and research requirements as well as future offers to you. 

Where you, as an individual, apply for finance through us, or agree to act as a guarantor, you authorise how we may collect, use and disclose your personal and credit information in the Privacy Statement and Consent we ask you to sign before we consider your application for credit or to be a guarantor. 

We will disclose your information to third parties only as the Privacy Act permits and where there is a valid reason to do so. All third parties must use your information only for the specific purpose for which we supply it. 

Third parties may include: 

• Lenders, financial institutions, and credit reporting agencies 

• Government authorities, regulators, law enforcement agencies, as required by law only. 

• Prospective credit providers and/or insurers 

• Insurers, insurance brokers and insurance assessors 

• Employees, contractors, auditors and advisers 

• Debt collection agencies 

• Companies to which we are related 

• Your agents, including your accountant or legal or financial advisor, where required 

Our service providers, such as IT and data storage providers. For example computer system consultants, document custodians, mailing houses etc, to enable them to able them to perform those service. 

 Credit reporting bodies, in addition to providing credit report information back to us, they may hold your information on their credit reporting database and use it for providing credit reporting services and for any other lawful purpose and they may disclose your information to their subscribers for the purpose of credit checking or debt collection or for any other lawful purpose. 

 Referees and any other party with your, where authorised. 

 We may also provide your information to, and receive your information from, a credit reporting body (CRB), if you authorise us to obtain a report on your behalf. 

Any information shared with, or by, a CRB is held in electronic form, trackable through the CRB or our systems by time, date, account and user. 

Credit Checks & Reporting: 

By submitting your application, you consent to us obtaining credit reports from credit reporting agencies. You acknowledge that these agencies may retain your information and disclose it to other credit providers in accordance with their policies.  

Data Security & Retention 

We take reasonable steps to protect your information from misuse, loss, and unauthorised access. Your information will be retained only as long as necessary for the purposes outlined in this waiver or as required by law. 

Your Rights: 

Under the Privacy Act 2020, you have the right to: 

• Access and request a copy of your personal information
• Request correction of any inaccurate or outdated information
• Withdraw your consent to the use of your information (subject to legal or contractual obligations)

You can access the personal and/or credit information we hold about you by contacting us at info@streamfinance.co.nz  

Complaints and Concerns: 

Please contact us if you have any complaints or queries about how we manage your information or you no longer wish to receive marketing materials. You can contact us by email or phone.  

If you lodge a complaint, our Internal Dispute Resolution officer will investigate your complaint. We will commence the investigation within 2 days and provide you with a response within 14 days. We will seek your agreement to a longer time if it is needed. We will keep you informed of the investigation process by phone or email at least once a week and provide you with a written response to your complaint within 30 days. 

If you do not accept our response, you may take the compliant to our External Dispute Resolution Scheme. Financial Ombudsman Service (FOS) contact details are: 

You can contact Financial Services Complaints Limited (FSCL) by:

Email: complaints@fscl.org.nz

Phone: 0800 347 257

Mail: FSCL, PO Box 5967, Wellington 6140

Or fill in the online complaints form: https://fscl.org.nz/make-a-complaint/complaint-form/ 

Obtaining our privacy policy 

This privacy policy may change over time. You can obtain the current version from our website or by contacting us: 

Email:  info@streamfinance.co.nz  

Website: stream.co.nz