Our Privacy Policy

At Platinum Finance we think that the security and use of your personal information should be handled with absolute respect and integrity. We understand how important personal privacy is to our customers, so we have outlined our Privacy Policy as plainly as we can in the following summary: Our Privacy Policy applies to both former and current customers and is subject to change at any point. Platinum Finance reserves the right to modify or update our Privacy Policy at any point in time, with or without prior notice.

 

Your consent

In submitting your details and/or utilising our service you are accepting our Privacy Policy and are consenting to the use and disclosure of your personal information in the following ways. Please do not register if you do not agree with the potential uses of your personal information.

 

Security

We understand how important the protection and management of your personal and financial information is, which is why we protect all submitted information using secure socket layer (SSL) encryption and by ensuring employees can access it on a need to know basis only. All data is stored in an encrypted format on our computers and control access is through secure web pages. We use secure firewalls and have a variety of other security systems in place to ensure our servers are protected against all external attacks. All of our security systems meet or exceed industry standards and we have protocols in place to ensure our security systems adapt to change. To ensure our high standards are maintained, we regularly test our security systems to make sure that they are up to date.

 

Collecting your data

We have two methods of collecting information about you: from your personal application and from external sources like credit rating agencies. We might use data which identifies you (your personal information) for a variety of purposes: product development; statistical analysis; lending risk assessment; updating records, product-customer alignment; potential fraud prevention and identification; prevention of criminal activities, including money laundering; regulatory checks; ensuring you are informed on your loan; market research; and in relation to products and services that we provide to third parties.

 

Additional data collection

As well as the personal and financial information you provide, we might also gather information about the computer you are on, including your IP address, as well as the operating system and browser type you are using for our own administrative purposes and to provide in aggregate data to our advertisers. This aggregate data relates to browsing actions and patterns only and does not identify individual users. Also, we might obtain information regarding your general internet usage through a cookie file that is stored on your computer’s hard drive. Cookies help us provide a better service to our customers by estimating our audience size and usage patterns and through storing information regarding your preferences so when you return to our site the process is quicker.If you want you can set your browser so that it refuses cookies, though this may limit your ability to use our site to its fullest and you may miss promotions we run through our site. Any third party advertisers on our site may also use cookies but we do not have any access to, or control over, them. To ensure our service and systems are first rate, we may recorded and/or monitor any calls you make to Platinum Finance. These recordings could also be used to help us stop potential fraud.

 

Sharing your data for service provision

To provide your requested services, we need share information you have submitted with third parties, including lenders, credit rating agencies, customer service providers and collection agencies. We carefully select third parties that are trustworthy and share our high operational standards. All our service providers are legally bound to uphold the security of all your personal and financial information.

 

Selling and disclosing your data to third parties

We might also sell your information (or pass it on) to certain third parties who might receive it as a part of a product or service that we provide or otherwise may use it to contact you via telephone, text, email, mail or any other reasonable medium to alert you to offers we think may interest you, whether we have entered an agreement with you or not.

  • If we do buy or sell any business or assets (wherein we might need to divulge your personal information to any potential seller or buyer of said business or assets)
  • If our business or a substantial part of its assets thereof are acquired by a third party (wherein the personal information we hold about our customers will be one of the transferred assets)
  • If we are obliged to divulge your personal information to comply with a legal request, or in order to impose any of our terms and conditions

If you provide false or inaccurate information and we have reasonable grounds to suspect fraud or we identify fraud then we will pass this information on to the relevant fraud prevention agencies. We and other organisations may also access and use this information to stop fraud and money laundering, e.g., when

  • Checking details on applications for credit and credit related or other facilities;
  • Managing credit and credit related accounts or facilities;
  • Recovering debt; and
  • Checking details of job applicants and employees.

 

Contact from Platinum Finance and third parties

During the application process you will be asked if we can contact you about our products and services via telephone, text, email, mail or any other reasonable medium. If you choose “yes” but later do not want to receive these offers, please contact us on admin@platinumfinance.co.nz. We might provide your personal data to certain third parties (as outlined in “Selling and disclosing your data to third parties” section above). If you want to stop receiving communication from these third parties, you can follow the instructions for unsubscribing that they will provide. We only provide this information to companies that we trust and who will respect your wish to unsubscribe, though we are not responsible for that process or any resulting disputes.

 

Third party links

Our website might have links to third party sites. If you choose to follow any of these links, you need to know that these sites all have their own terms and privacy policies and that we do not accept any responsibility or liability for them. By registering with Platinum Finance you might be contacted by certain third party companies and, though we only work with selected partners, we are not responsible for any of the services or representations of third parties.

 

Age

To register with Platinum Finance you need to be 18-years of age or older. Minors are strictly forbidden from using the service.