This statement sets out Broker Central’s policies relating to the collection and use of your personal information on our website.
Your personal information is important to us
We recognise that your privacy is very important and that you have a right to control your personal information. We acknowledge that providing personal information is an act of trust and we take this responsibility very seriously.
If you are making a credit application, we will also ask you to accept our Privacy Waiver and Privacy Declaration. You do not have to provide your personal information to us when requested. If you do not, we may not be able to provide you with a product or service requested and we will advise you if such a situation arises The following sections set out how we process and protect your personal information and safeguard your privacy.
How we collect information about you
Whenever you visit the Broker Central website, our servers automatically record information about your usage, such as the time of the visit, as well as the duration and the pages you visit. This is to help us to understand what parts of our website our users enjoy the most. However, the information we collect from you and about you through this process remains anonymous.
We may request personal and financial information from you directly, including your name, date of birth, address, and occupation. This is to help assess whether or not you may be eligible to receive a loan.
How we use and disclose your information
We use your personal information for a range of purposes, including for the provisions of products and services, to better understand your preferences and develop our business.
We will not disclose any information about you without your consent unless:
- It is required by law or to enforce our rights.
- We believe it necessary in order to provide you with a service which you have requested.
- We suspect that your use of the website is in breach of the usual way websites are meant to be used.
- We believe it is necessary to protect the rights or property of Broker Central, as well as any Broker Central user or any member of the public.
- We believe it is necessary to lessen a serious threat to a person’s health or safety.
How we protect your personal information
We understand the importance of protecting the personal information we hold about you. The information you provide us is only made available to our staff on a 'need to know' basis and for the purposes outlined above.
We take steps to ensure your personal information is free from misuse, interference, loss, unauthorised access, or modification by:
- securing personal information both in physical and electronic form;
- limiting access to personal information only to those that need access to it for the purpose of providing you with our services; and
- protecting our systems with appropriate technology solutions.
While we cannot ensure or guarantee that loss, misuse or alteration of personal information will not occur, we use our best efforts to prevent this. Despite our efforts, no website, mobile application, database or system is completely secure. If you provide us with personal information over the internet, the provision of that information is at your own risk.
Cookies are pieces of information that a website transfers to your computer’s hard disk for record-keeping purposes. Most web browsers are set to accept cookies. However, if you do not wish to receive any cookies, you may set your browser to refuse them. In some instances, however, this may mean you will not be able to take full advantage of parts of the Broker Central website. Cookies provide us with aggregated information on how users interact on our website. Cookies do not identify you personally as the user, they identify your browser.
Accessing your information
You have a legal right to a copy of all the personal information we hold about you. You also have a right to request access to the personal information we hold about you or request us to correct the personal information we hold about. You may exercise these rights by emailing us at firstname.lastname@example.org.
How long we hold your information for
We will keep your personal information only for as long as necessary to achieve the purpose we collected it for and in all cases for such periods as we are required to in order to comply with any relevant legislation or regulations.
Changes to this policy
How to make a complaint and get in touch with us
Privacy Act 2020 (NZ) Declaration
Broker Central Limited (Broker Central) is collecting financial and personal information about you which will be used by third party lenders (the Finance Company/ies) to determine whether to open a credit account in your name. In assessing whether to open a credit account in your name, information collected and held about you may be exchanged with organisations including other related companies, credit reporting agencies, financial institutions, and government agencies. The information may be used by the Finance Company/ies for credit assessment and control purposes and to register security interests. The information obtained, exchanged, and held may include, but is not limited to, Driver Licence Checks, Fines Checks, Credit Checks, and Police Checks.
Under the Privacy Act 2020 (NZ) (Privacy Act), you have rights to access and correct personal information. You may also request full details of every organisation or person to whom Broker Central and the Finance Company/ies has disclosed information about you.
The Finance Company/ies may exchange information about you with credit reporting agencies and Government Departments on an ongoing basis for purposes relating to the provision of credit account to you. The credit reporting agencies and Government Departments will hold that information about you on their systems and use it to provide their credit reporting and other services.
By lodging an application with Broker Central you consent to:
Broker Central sending this information to the Finance Company/ies and
Broker Central and the Finance Company/ies carrying out electronic ID verification using biometric checks, global watchlists and Australian and New Zealand data sources to obtain information about you, including but not limited to identification data (i.e. name, address, telephone number, email address), profile information (i.e. age, gender), and electronic identification data (i.e. IP addresses, MACIDs, cookies)
The information we collect may be used for communicating with you electronically, this may include promotional and other materials about the products and services, and generally to do business with you.
You understand and agree to the terms and conditions provided above. You also confirm that all the information you provide is accurate, up to date, complete, and relevant. You also confirm that information about you provided to Broker Central may be disclosed to the Finance Company/ies, including their related companies, agents, associates, and transferees.
You also consent to:
Being sent promotional and other materials