This policy applies in addition to our Privacy Policy and sets out details of our handling of personal information obtained from credit reporting bodies and certain other credit-related personal information described below. This applies in Australia and New Zealand and in relation to guarantee arrangements for commercial credit. It does not apply to our handling of commercial credit information for purposes unrelated to consumer credit.

The information we collect and hold

The types of credit-related personal information (“credit-related information”) we collect may include:

• permitted identification information such as names, date of birth, sex, 3 most recent addresses, employer and driver's licence number;
• the fact that any consumer or commercial credit has been applied for and the amount and type of credit;
• details of your current and previous credit providers;
• credit limits and certain terms and conditions relating to credit arrangements;
• start/end dates of particular credit arrangements;
• records of previous requests made by credit providers to credit reporting bodies for information about you in connection with consumer or commercial credit applications, guarantees and securitisation arrangements;
• repayment history;
• ‘default information’ (in addition to and without limiting repayment history information), i.e. payments overdue for more than 60 days in specified circumstances;
• in relation to those overdue payments, advice about new payment arrangements or that those payments are no longer overdue;
• information about adverse court judgments, personal insolvency records and publicly-available information related to your credit worthiness;
• in specified circumstances that, in the opinion of Sustainable Finance Limited or another credit provider, there has been a serious credit infringement (e.g. fraud);
• information derived by credit reporting bodies from the above information (e.g. credit scores, ratings and assessments); and
• information we derive from the above information (e.g. our own credit scores, ratings and assessments).
• This information may include information about your arrangements with other credit providers as well as with us.

We keep credit-related information in physical and electronic records, both at our own premises and with the assistance of our service providers.

We collect this information from you, your account activity and from third parties including public sources, our related companies, referrers, brokers, agents, your adviser(s) and our service providers including credit reporting bodies and information service providers.

Purposes for handling that information

We collect, hold, use and disclose credit-related information to assess an application by you to be a guarantor; communicate with you; work with our service providers, funders (including those providing securitisation services) and related companies; and deal with any complaints or enquiries.

Credit reporting bodies may use credit-related information to maintain information about individuals and provide that information to credit providers for their credit assessments. We may also report to a credit reporting body where an individual fails to meet their obligations in relation to a guarantee.

How you can access or correct your information

You can contact us as set out below to request access to or correction of your credit-related information. In normal circumstances we will give you full access or make the requested corrections to your information. However, there may be some legal or administrative reasons to deny these requests. If your request is denied, we will provide you with the reason why. Where we decide not to make a requested correction to your credit-related information and you disagree, you may ask us to make a note of your requested correction with the information.

Credit reporting bodies

We may exchange credit-related information with the following credit reporting bodies:

Equifax: https://www.equifax.co.nz/ or https://www.equifax.com.au/

Centrix: https://www.centrix.co.nz/

You can contact those credit reporting bodies or visit their websites to see their policies on the management of credit-related information, including details of how to access your credit-related information they hold.

Contact us

If you have any questions regarding this policy or our handling of credit-related information, please direct your enquiry to enquiry@sustainablefinance.co.nz. Please mark communications to the attention of our Privacy Officer. Where you contact us seeking resolution of your privacy concerns, we will respond to let you know who will be handling your matter and when you can expect a further response. If your concerns are not resolved to your satisfaction, you can escalate your complaint to the appropriate regulatory authority:

New Zealand:
https://www.privacy.org.nz/your-rights/making-a-complaint/

Australia:
https://www.oaic.gov.au/privacy/privacy-complaints/