Privacy Policy

Privacy Policy – Website Terms of Use

Credit Recoveries Limited respects your privacy and values the relationship we have with you.

This privacy policy applies to you if you are using or visiting our website, or if you are a Client or Customer communicating with us by phone, text or email. It sets out how we collect, use and store personal information (i.e. any information that could be used to identify you personally).

What Information Do We Collect?

Credit Recoveries Limited collects information relating to individuals and business’s credit profiles, from Court records, credit reporting bureaus, credit journals and numerous third party credit providers

Any information provided on this site will be kept strictly confidential and used only for the purpose it was given.

If you would prefer that we did not collect any personal information from you, please do not provide us with this information.

Regretfully if you do not provide the information asked for, it will prevent us from working with you.

We will store and use your information for the purposes and in the ways set out in this policy. In addition to the information you give us, you also agree that we can:

• collect information about your personal finances from credit reporting agencies, current and previous employers and another person like a bank or lender who may have information relevant to your credit history;
• check this information against records held by government agencies (like AML/CFT, PPSR, NZTA); and
• record any telephone calls between us and use those recordings for compliance training, evidence or security purposes.

Your Right to Access

If requested by the individual, Credit Recoveries Limited must give access to and disclose all personal information held and the purpose for which it was collected and used.

What We Will Use Your Personal Information For

You agree that we can use your personal information to do any of the following:

• Collection and recovery of debt
• Assess whether you will be able to make any payments without coming under financial pressure;
• Manage your account, including monitoring payments;
• Communication with you about changes to your account by message, email, telephone or post.
• If you don’t want to receive this information just email us at legal@creditrecoveries.co.nz
• Manage your relationship with us;
• Meet our legal obligations
• Conduct market research and statistical analysis.

Do We Share Your Personal Information?

You agree that we can give your information to:

• Credit Recoveries Limited (being any company or business that is associated with Credit Recoveries Limited) our agents and people who provide us with services;
• reputable market research organisations (you can opt out of this if you want)
• credit reporting agencies who may hold and use that information to provide their credit reporting services;
• debt collection agencies and law firms;
• anyone we transfer our rights and obligations to in connection with your account or products, or that we are considering transferring them to; and
• anyone else we need to contact to carry out your instructions.
• We will not provide your personal information to anyone outside Credit Recoveries Limited or the Credit Recoveries Limited for marketing purposes except as set out in this policy.

Our Legal Obligations

We might sometimes be legally required to give your personal information to someone. For example, we might have to give it to the police or a government agency like the Inland Revenue. We will only provide the information if we reasonably believe the person asking for it is properly authorised to do so or that we are required by law to provide it, and we will always try to let you know beforehand (unless we are prevented from doing so by law or practically).

Additionally, we may also disclose any information when it is necessary to prevent physical harm or financial loss, or where we suspect illegal activity.

How We Protect Your Personal Information?

We maintain reasonable safeguards to protect this website against unauthorised disclosure, use, alteration or destruction of the personal information you provide on the site and we comply with our obligations under the Privacy Act 2020 and its amendments. Information may be stored physically or electronically and will be kept securely.

We will take reasonable steps to ensure your information is accurate although that depends primarily on you providing us with the correct information and keeping it updated. You can check your information and if it is not correct, ask us to update it.

We won’t give your personal information to anyone else except in the circumstances set out in this policy or in any other agreement you have with us.

 

If you have any questions about our website’s security, you can send an email to: info@creditrecoveries.co.nz

 

Updating Our Privacy Policy

We may revise this policy from time to time. If we decide to do so, we will post the revised policy here. We suggest that you periodically check. The effective date of the policy is at the top of this page.

 

Managing Your Profile

You can manage and control how you receive communications from us, and the type of communications you receive. While we must have a means of contacting you in respect of your account, you can choose the method of contact you would like to receive from us moving forward.

To unsubscribe from emails or text messages simply click the “unsubscribe” link at the bottom of the email from us or email us at: info@creditrecoveries.co.nz

 

Cookies

Our site uses Cookies for the purpose of market research and site usage. These cookies do not collect personal information or access hard drives or computer software.

 

 

Keeping Your Information Current

You have the right under the Privacy Act 2020 and its amendments to see the information that we hold about you and you can ask us to correct any mistakes in it. If we don’t agree to make the change you can ask us to include a note on your personal information saying you asked for a correction.

You agree that the information we give to credit reporting agencies about you may include details about your repayment history, whether any account is current and any overdue or dishonoured payments. We can also give them your Driver’s Licence and other information we hold about you. This is known as “positive credit reporting” because it isn’t just about payments that haven’t been made. The credit reporting agency can use this information to provide their services to their clients (subject to their obligations under the Credit Reporting Privacy Code).

If you are not satisfied with our response to your privacy concerns following our internal investigation, you can contact the Privacy Commissioner PO Box 10094, The Terrace, Wellington

 

If you want to know more about credit reporting or your rights please visit www.privacy.org.nz