UNO Society Privacy Statement
Consumer and Commercial Lending
Introduction
This Privacy Statement outlines how UNO Society Limited (“UNO Society”, “we”, “us”, or “our”) collects, uses, discloses, and protects personal and business information in accordance with the Privacy Act 2020 (NZ).
We are committed to safeguarding the privacy of individuals and businesses and ensuring transparency in how we handle information. This statement applies to all personal and business information collected in connection with our consumer and commercial lending services, whether through our website, online forms, applications, or any other interaction.
Information We Collect
We may collect personal and business information relevant to assessing and managing lending relationships, including:
Identity and Contact Information
Name, date of birth, gender, identification numbers (e.g. driver licence, passport), phone number, email address, and residential or postal address.
Business Information
Company or trading name, NZBN, business structure (e.g. sole trader, partnership, limited company), ownership and shareholding details, financial statements, GST number, trading history, and business contact details.
Financial and Credit Information
Income, employment details, credit history, bank details, assets and liabilities, and other information required for consumer or commercial credit assessment.
Director and Guarantor Information
Personal and financial details of company directors, shareholders, or guarantors where required to assess credit risk or support commercial lending applications.
Transactional and Account Data
Information about your transactions, repayments, and interactions with UNO Society, including payment history and account activity.
Device and Usage Data
IP address, device type, operating system, and browser details when accessing our website or digital platforms.
Cookies and Analytics
Information collected through cookies or similar technologies to improve website functionality, monitor performance, and support marketing activities.
Purpose of Collection
We collect personal and business information for legitimate business purposes, including:
Provision of Services: To evaluate, process, approve, and manage applications for consumer or commercial lending, including asset finance, bridging, working capital, and acquisition funding.
Customer Communication: To respond to enquiries, provide application and account updates, and deliver operational notifications.
Credit Assessment and Risk Management: To assess creditworthiness and manage ongoing credit and lending risk for individuals, companies, directors, and guarantors.
Marketing and Research: To communicate offers, conduct market research, and improve our products and services.
Legal and Regulatory Compliance: To comply with obligations under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009, Financial Markets Conduct Act 2013, Credit Contracts and Consumer Finance Act 2003 (where applicable), and other relevant legislation.
Fraud Prevention and Security: To identify, investigate, and prevent fraud or other unlawful activities.
Use of Personal and Business Information
We may use your information to:
Facilitate the provision of consumer or commercial lending services.
Assess credit risk and manage your credit account or relationship.
Communicate information about our products, services, and updates.
Conduct data analysis, audits, and internal reporting.
Enforce agreements and comply with applicable laws and regulations.
Data Sharing and Disclosure
We do not sell identifiable personal or business information. However, we may disclose or use your information in the following circumstances where lawful and necessary for our operations:
Third-Party Service Providers
We engage trusted third-party providers to perform services on our behalf, including credit reporting, data storage, marketing, payment processing, analytics, and customer support. These providers are contractually bound to protect your information and use it only for authorised purposes.
Employers
We may share relevant information with your employer for purposes directly related to your loan or credit application, such as verifying employment, income, or financial position.
Where your employer has an existing arrangement with us, or where we have your consent or a legitimate business reason (for example, if the employer is a guarantor, introducer, or referrer of your loan), we may also respond to requests for information consistent with that relationship and the Privacy Act 2020.
We will not disclose unrelated or sensitive personal details without your knowledge or authorisation, unless required or permitted by law.
Credit Agencies and Trade References
We may disclose consumer or business credit information to credit reporting agencies, trade credit providers, or other lenders for the purposes of credit assessment, account management, or collections.
Professional Advisors
We may share information with accountants, auditors, legal advisors, or other professional representatives acting on your behalf or ours in connection with a loan transaction or compliance matter.
Funding and Investment Partners
We may provide business or credit information to our finance partners, investors, or funders in connection with loan origination, servicing, or portfolio management, provided those parties are bound by equivalent privacy standards.
Research, Analytics, and Commercial Use of De-identified Data
We may compile, use, or share aggregated or de-identified information (which does not identify you or your business) for research, analytics, reporting, marketing insights, or other commercial purposes.
UNO Society retains ownership of such de-identified datasets and may license or sell them to third parties, provided no individual or business can reasonably be identified.
Legal and Regulatory Requirements
We may disclose information where required to comply with applicable laws, regulations, court orders, or government requests, or to protect our legal rights, property, or safety and that of others.
With Your Consent
We may share identifiable information with third parties where you have expressly authorised us to do so.
Data Security
We implement appropriate technical and organisational measures to protect your information from unauthorised access, alteration, loss, or misuse. These measures include secure servers, encryption, firewalls, and access controls.
However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security.
Access and Correction
You have the right to request access to the personal or business information we hold about you, and to request corrections where it is inaccurate, incomplete, or out of date.
Requests can be made using the contact details below. We will respond within a reasonable timeframe and may charge a fee as permitted by law.
Retention of Information
We retain information only as long as necessary to fulfil the purposes for which it was collected or as required by law.
This includes obligations under the Financial Service Providers (Registration and Dispute Resolution) Act 2008, Companies Act 1993, and Anti-Money Laundering and Countering Financing of Terrorism Act 2009.
When information is no longer required, we securely delete or anonymise it.
Your Rights Under the Privacy Act 2020
You have the right to:
Access the personal information we hold about you.
Request correction of inaccurate or incomplete information.
Request deletion of your information where legally permitted.
Object to the use of your information for direct marketing.
Withdraw consent for processing where consent is the lawful basis.
If you believe we have breached your privacy, you have the right to make a complaint to the Office of the Privacy Commissioner (www.privacy.org.nz).
Changes to This Privacy Statement
We may update this Privacy Statement from time to time to reflect changes in legislation, regulation, or business practice.
Any significant changes will be posted on our website, and the effective date will be updated accordingly.
Contact Information
For any questions, concerns, or requests regarding this Privacy Statement or your information, please contact:
UNO Society Limited
3/100 First Avenue, Tauranga 3310, New Zealand