Privacy Policy
Geared Asset Finance (NZ) Limited
1. Introduction
Geared Asset Finance (NZ) Limited (“Geared”, “we”, “us”, or “our”) is committed to protecting the privacy and confidentiality of personal information. We recognise that how we collect, use, disclose and safeguard personal information is important to our clients and website users. This Privacy Policy explains how we collect, use, store, and disclose personal information in accordance with the Privacy Act 2020 (New Zealand) and other applicable privacy laws. It also outlines your rights regarding access to and correction of your personal information. By engaging with our services or using our website, you acknowledge that you have read and understood this Privacy Policy.
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2. Consent
By providing personal information to us or by using our website, you consent to the collection, use, storage and disclosure of your personal information in accordance with this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not use our website or provide personal information to us. You may contact us directly using the contact details provided below.
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3. What is Personal Information
Under the Privacy Act 2020, personal information means any information about an identifiable individual. Personal information may include information such as your:
• Name
• Date of birth
• Residential or postal address
• Email address
• Telephone number
• Identification details
• Financial information
• Details relating to your use of our services
• Information contained within any enquiry or application you submit to us
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4. How We Collect Personal Information
We collect personal information in a variety of ways, including when you:
• Contact us by telephone or video communication (such as Skype or similar platforms)
• Communicate with our financial advisers
• Submit information through our website
• Correspond with us by email or post
• Participate in promotions, marketing campaigns, or events administered by us or our representatives
• Apply for financial products or services through us
Where practicable, we will collect personal information directly from you.
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5. Information Collected From Third Parties
In some circumstances, we may collect personal information about you from third parties, including:
• Publicly available sources (such as public registers or internet sources)
• Professional advisers (such as accountants or solicitors)
• Financial institutions or credit providers
• Credit reporting agencies or verification providers
Where required, we will obtain your consent before collecting personal information from third parties.
We are not responsible for the privacy practices of third parties and those parties are not governed by this Privacy Policy.
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6. Website Information and Cookies
When you visit our website, certain information may be automatically collected about your visit. This may include:
• Date and time of your visit
• Pages viewed on our website
• The website or search engine that referred you to us
• Navigation behaviour within our website
• Device type and operating system
• IP address
• Browser type
• Approximate geographic location
Our website may use cookies, which are small data files stored on your device that assist in improving website functionality and user experience.
Cookies help us:
• Recognise returning visitors
• Improve website performance and security
• Analyse website usage patterns
Cookies do not allow us to access information stored on your device and cannot execute programs or deliver viruses.
You may disable cookies through your browser settings, although doing so may affect website functionality.
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7. Use of Personal Information
We collect and use personal information for purposes including:
• Assessing eligibility for financial products or services
• Processing applications or enquiries
• Providing financial advice and services
• Communicating with you about your enquiries or applications
• Providing information about products or services that may be relevant to you
• Maintaining internal records and compliance obligations
• Improving our services and customer experience
We may also retain personal information where required to comply with legal, regulatory, or licensing obligations.
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8. Storage and Security of Personal Information
We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification, or disclosure.
Personal information may be stored electronically or in physical records.
Our security measures include:
• Controlled access to internal information systems
• Identity and access management protocols
• Staff confidentiality obligations
• Employee training on privacy and information security
• Regular monitoring and review of security practices
Despite these safeguards, no system is completely secure and we cannot guarantee that unauthorised access will never occur.
If you are provided with login credentials or security information, you must keep these details confidential and notify us immediately if you believe your security has been compromised.
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9. Retention of Personal Information
We retain personal information only for as long as necessary to fulfil the purpose for which it was collected and to comply with legal and regulatory obligations.
Where personal information is no longer required, we will take reasonable steps to securely destroy or permanently de-identify that information.
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10. Disclosure of Personal Information
We may disclose personal information where:
• Required or authorised by law
• You have provided consent
• Disclosure is reasonably necessary to provide our services
• Disclosure is permitted under the Privacy Act 2020 Personal information may be disclosed to:
• Financial institutions and lenders
• Service providers assisting us to deliver services
• Auditors and compliance professionals
• External dispute resolution schemes
• Government agencies or regulators where required by law
We do not sell personal information to third parties.
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11. Third-Party Websites
Our website may contain links to third-party websites. These websites operate independently from us and are not governed by this Privacy Policy.
We are not responsible for the privacy practices or content of third-party websites. We recommend that you review the privacy policies of those websites before providing personal information.
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12. Access and Correction of Personal Information
Under the Privacy Act 2020, you have the right to request access to the personal information we hold about you and to request correction of that information if it is inaccurate.
Requests may be made by contacting us at:
Geared Asset Finance (NZ) Limited
17 Haumia Road
RD5 Morrinsville 3370
Email: info@geared.co.nz
Before providing access to personal information, we may require proof of identity.
In some cases, a reasonable administrative fee may be charged to cover the cost of retrieving and providing information.
We may refuse access or correction requests in certain circumstances permitted under the Privacy Act. If we refuse your request, we will explain the reasons where appropriate.
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13. Consequences of Not Providing Information
If you choose not to provide information requested by us, we may be unable to provide certain services or assess applications for financial products.
If you are unsure why information is required, please contact us for clarification.
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14. Changes to this Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in legal requirements or business practices.
The latest version will always be available on our website or can be requested by contacting us.
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15. Privacy Complaints
If you believe that your privacy has been breached or you have concerns regarding how we handle personal information, please contact us using the details below:
Geared Asset Finance (NZ) Limited
17 Haumia Road
RD5 Morrinsville 3370
Email: info@geared.co.nz
We will acknowledge receipt of your complaint within three working days and aim to resolve the issue as promptly as possible.
If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner:
Office of the Privacy Commissioner
PO Box 10-094
Wellington 6143
New Zealand
Phone: 04 474 7590
Email: enquiries@privacy.org.nz
Website: www.privacy.org.nz
Key values of Geared Asset Finance:
Fully flexible finance options
Whether you need a Chattel Mortgage, Finance Lease, Rental or Commercial Hire Purchase - we can provide you with all forms of finance.
We can tailor a package to suit your needs when it comes to the type of finance that you require and the terms. We will clearly explain to you the features of each type of finance and what the general benefits are. Please remember to refer to your accountant for taxation advice.
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