In submitting a loan application or making an enquiry to AA Money:

• I confirm I have read and understood the AA Money Privacy Statement.
• I authorise AA Money to use and disclose the personal information I have provided to undertake all necessary enquires and request, collect, check and exchange information in accordance with the AA Money Privacy Statement including (without limitation) with credit reporting agencies.
• I agree that AA Money may produce this authority to such parties for collecting such information.
• I understand that if AA Money completes enquiries with credit reporting agencies, that those agencies may hold the information, that I have provided AA Money, on their credit reporting databases for the purpose of credit reporting and that they may disclose this information to their subscribers.
• I confirm that the information contained in this application is true and correct.

AA Money (AA Finance Limited) is a joint venture between The New Zealand Automobile Association Limited (NZAA) and Suncorp Group Holdings (NZ) Limited (Suncorp). We offer secured personal loans to individuals in New Zealand.

At AA Money, we are committed to protecting your privacy. We understand the trust you place in us when you provide us with your personal information.

In this privacy statement, we explain how AA Money collect, use, disclose and store your personal information.

What is personal information?
Personal information is information about an identifiable individual. It includes information that can be used to identify you, such as your name and contact details. It also includes your credit information.

Why do we collect personal information?
We collect personal information so that we can:

• identify you;
• respond to enquiries from you;
• access any application you make for products or services, including any terms which may be offered;
• set up and manage your products and services;
• prevent or detect fraud or loss;
• understand your needs and improve our products and services through research, product development and training; and
• comply with our obligations at law.

How do we collect personal information?
Most of the personal information that we will collect will come directly from you. This information may include:

• your identification and contact details;
• your employment details, financial position and credit history; and
• any other information we are required by law to collect about you.

We may continue to collect your personal information during our relationship.

We may also collect your personal information from third parties. This may include:

• financial institutions, credit reporting agencies, telecommunication agencies, debt recovery agencies and investigative service providers;
• the NZAA (and its related entities) and Suncorp (and its related entities);
• your representatives, such as your legal or financial adviser;
• your employer; and
• where information has been made publicly available, social media platforms and public information service providers such as public registers.

What happens if you don’t give us your personal information?
If we ask for your personal information and you don’t give it to us, we may not be able to provide you with any, some, or all of the features of our products or services. For example, we may not be able to accept your application and may have to decline it due to the lack of our ability to responsibly make a decision on your creditworthiness.

How will we use and disclose your personal information?
At all times, we will respect and protect the privacy of your personal information. We use and disclose your personal information only for the purposes we collected it, or other directly related purposes.
We may disclose your information to:

• financial institutions, credit reporting agencies, debt recovery agencies and investigative service providers;
• telecommunication agencies and information technology providers, such as our hardware/software vendors and consultants, customer or market research organisations;
• the NZAA (and its related entities) and Suncorp (and its related entities);
• your representatives, such as your legal or financial adviser;
• your employer;
• government, law enforcement or statutory bodies;
• insurance providers;
• legal, accounting, finance and other professional advisers;
• administration or business management services;
• printers, mail service and delivery providers;
• imaging and document management services;
• data modelling and research services;
• other service providers;
• external dispute resolution schemes; and
• as otherwise required by law.

Why do we disclose information to credit reporters and debt recovery agencies and how do they use information about you?
Credit reporters collect information about your credit history to help people and businesses decide whether to provide you goods or services. Debt recovery agencies help people and businesses recover money other people owe them when they fail to pay.

We are required to provide credit reporters with good and bad information about your credit history. Credit reports are an important part of determining your suitability as a borrower. They help confirm your identity, verify your current credit obligations and are used to calculate the likelihood of you meeting your credit repayments. You agree credit reporters and debt recovery agencies can keep any information we give them about you and can give it to people who pay for and use their services. You can ask credit reporters and debt recovery agencies to correct your information if it needs to be updated.

Storing and protecting your personal information
We maintain strict security measures to protect your personal information. The procedures are constantly monitored and updated to ensure your personal information is securely stored and protected.

Your personal information is stored securely by us, or with any supplier we have a contractual arrangement with, in New Zealand, in cloud storage and overseas. Where we have engaged a provider to store your information on our behalf, we have undertaken assessments to satisfy ourselves that the provider and their jurisdictions meet our security standards.

Cookies
This website uses several cookies. They store technical information that helps us to better interact with your browser, identify you on subsequent visits and to help us develop and improve the design, layout and functionality of our websites.

This website uses cookies to advertise products and services from us and our partners on third party websites (including Google) to previous visitors to and users of our websites. These cookies will be used to inform, optimise and serve ads based on someone’s past visits to or use of our websites. No personally identifiable data is collected for this advertising. We may match your cookies information to what we know about you for analysis and advertising purposes. We can use such analysis to improve the functionality and your experience of our websites

If you do not want us to deploy cookies into your browser, you can set your browser to reject cookies, or to notify you when a website tries to put a cookie on your computer. However, rejecting cookies may affect your ability to use some of the products and/or services on our website.

How can you access and correct your personal information?

We take all reasonable steps to ensure that the personal information which we collect, use or disclose is accurate and up to date.
You have the right to access and correct your personal information. To request access to or a correction of your personal information you can:
Write to us:
Privacy Officer
AA Money
PO Box 5462
Victoria Street West
Auckland 1142

Call us:
0800 600 777

Email us:
customer@aamoney.co.nz

Using your personal information to market to you
We would like to use and disclose your personal information to keep you up to date with the range of products and services available from AA Money, NZAA and Suncorp. This includes using your personal details such as your address, email, or phone number as a means of communication with you. We will not market to you if you have voluntarily opted out from future communications via specific marketing channels.

If you have a complaint
If you have a complaint about the privacy of your personal information, please contact:
Write to us:
Privacy Officer
AA Money
PO Box 5462
Victoria Street West
Auckland 1142

Call us:
0800 600 777

Email us:
customer@aamoney.co.nz

We do our best to resolve complaints promptly and fairly, however if you are not satisfied, you may contact the Privacy Commissioner, using one of the following methods:

• Phone: 0800 803 909 (from 8.30am to 5pm, Monday to Friday)
• Mail: Privacy Commissioner, PO Box 10094, The Terrace, Wellington 6143
• Email: enquiries@privacy.org.nz
• Website: www.privacy.org.nz

Policy Changes
This policy is current at November 2020. We may make changes from time to time. Notice of any changes will be given at least 14 days in advance, by posting the updated Privacy Statement on our website. Your continued use of our products and services at the end of the notice period will be taken as acceptance of the updated Privacy Statement.