Privacy Policy

1. Who We Are

TruckLoan.co.nz operates as an online comparison and lead generation service. We help New Zealand individuals and businesses find suitable truck finance options by connecting them with licensed finance providers and brokers. We are not a lender, financial adviser, or broker ourselves.

When you submit an application through our website, your information is processed by our service and shared with our partner network to provide you with relevant finance options.

2. Information We Collect

We collect various types of information to provide and improve our services:

Personal Information:

• Full name and contact details (email address, phone number, physical address)
• Date of birth and identification information
• Employment status, occupation, and employer details
• Income and expense information
• Business information (for business applicants)
• Driver's license details

Financial Information:

• Details about the truck or vehicle you wish to finance
• Loan amount and term preferences
• Existing loans, debts, and financial commitments
• Assets and liabilities
• Credit history information (when authorized)
• Bank account details for settlement purposes

Technical Information:

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on our website
• Referring website and search terms used
• Cookies and similar tracking technologies

Communications:

• Records of correspondence with us (emails, calls, chat messages)
• Feedback, complaints, and enquiries
• Survey responses and testimonials

3. How We Collect Information

We collect information through various means:

• Directly from you: When you complete our online application forms, contact us, or interact with our website
• Automatically: Through cookies, analytics tools, and tracking technologies when you browse our site
• From third parties: Credit reporting agencies, identity verification services, and publicly available sources when you authorize us to do so
• From our partners: Feedback and outcome information from finance providers and brokers you engage with

4. How We Use Your Information

Primary Purposes:

• To process your truck finance application and provide personalized quotes
• To match you with suitable licensed finance providers and brokers from our network
• To facilitate communication between you and potential lenders
• To verify your identity and assess eligibility
• To provide customer support and respond to your enquiries

Secondary Purposes:

• To improve and optimize our website functionality and user experience
• To conduct analytics, research, and statistical analysis
• To prevent fraud, unauthorized access, and illegal activities
• To comply with legal obligations and regulatory requirements
• To enforce our Terms of Use and protect our rights
• To send marketing communications (with your consent)
• To maintain records for business administration purposes

5. Who We Share Your Information With

We take data sharing seriously and only disclose your information to trusted parties for legitimate purposes:

Other Third Parties:

• Licensed finance providers and brokers: Banks, non-bank lenders, and registered finance brokers who can provide you with truck loan quotes and offers
• Credit reporting agencies: When you authorize us to conduct credit checks or verify your financial information
• Identity verification services: To confirm your identity and prevent fraud
• Technology and service providers: Hosting providers, email services, analytics platforms, customer relationship management systems, and payment processors
• Professional advisers: Lawyers, accountants, auditors, and insurance providers
• Government agencies and regulators: When required by law or to comply with legal obligations
• Related entities: Our parent companies, subsidiaries, and affiliated businesses

All third parties we work with are required to:

• Be registered on New Zealand's Financial Service Providers Register (where applicable)
• Comply with the Privacy Act 2020 and applicable privacy laws
• Maintain appropriate security measures to protect your information
• Use your information only for authorized purposes

We do not sell your personal information to unrelated third parties for advertising or marketing purposes.

6. Data Security and Storage

We implement robust security measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction:

• SSL/TLS encryption for data transmitted over the internet
• Encryption of sensitive data at rest in our databases
• Regular security audits and vulnerability assessments
• Access controls and authentication requirements for staff
• Secure data centers with physical and electronic safeguards
• Regular backups and disaster recovery procedures
• Staff training on privacy and data security best practices
• Confidentiality agreements with all employees and contractors

Data Retention:

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Specifically:

• Application data: Retained for up to 7 years for regulatory compliance
• Communication records: Retained for up to 7 years or as required by law
• Website analytics: Typically retained for 26 months
• Marketing consent records: Retained until consent is withdrawn

When information is no longer needed, we securely delete or anonymize it in accordance with our data retention schedule.

7. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your browsing experience and analyze website usage:

Types of Cookies:

• Essential cookies: Required for basic website functionality
• Analytics cookies: Help us understand how visitors use our site (e.g., Google Analytics)
• Functionality cookies: Remember your preferences and settings
• Marketing cookies: Track your interactions with our marketing campaigns (with your consent)

You can control cookie settings through your browser preferences. However, disabling certain cookies may affect website functionality.

8. Your Privacy Rights

Under the Privacy Act 2020, you have significant rights regarding your personal information:

Right to Access:

You can request access to the personal information we hold about you. We will provide this within 20 working days of your request (or longer if the request is complex).

Right to Correction:

You can request correction of inaccurate, incomplete, or out-of-date personal information. We will make corrections where appropriate.

Right to Deletion:

You can request deletion of your personal information, subject to our legal obligations to retain certain records.

Right to Object:

You can object to certain uses of your information, including marketing communications.

Right to Withdraw Consent:

Where we rely on your consent to process information, you can withdraw that consent at any time.

Right to Complain:

You have the right to lodge a complaint with the Office of the Privacy Commissioner if you believe we have breached your privacy rights:

9. Marketing Communications

With your consent, we may send you marketing communications about truck finance offers, industry news, and related services. You can opt out at any time by:

• Clicking the "unsubscribe" link in any marketing email
• Contacting us at privacy@truckloan.co.nz
• Updating your communication preferences in your account

Note: Opting out of marketing communications does not affect service-related messages (e.g., application updates, important notices).

10. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately.

11. International Data Transfers

Your personal information may be transferred to and stored in countries outside New Zealand, including but not limited to cloud storage providers based in Australia and the United States. We ensure that appropriate safeguards are in place to protect your information in accordance with New Zealand privacy laws.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or business operations. The latest version will always be published on our website with an updated "Last Modified" date. We encourage you to review this policy periodically.

If we make material changes that significantly affect your rights, we will notify you by email or through a prominent notice on our website.

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please contact us:

We aim to respond to all privacy enquiries within 5 working days.