Privacy Policy

MoneyShop Group Limited (“MoneyShop”, “we”, “us” or “our”) is committed to protecting your personal information and complying with the Privacy Act 2020 (“Privacy Act”).

This Privacy Policy explains how we collect, use, store and disclose personal information about people who interact with MoneyShop, including borrowers, loan applicants, investors and visitors to our website.

This Privacy Policy should be read separately from any specific privacy consent, privacy waiver or other authority you provide to us when applying for or using a MoneyShop product or service.

The personal information we collect will depend on your relationship with MoneyShop and the products or services you use.

We may collect information such as your name, address, email address, telephone number, date of birth and identification information, including driver’s licence or passport details.

For borrowers and loan applicants, we may also collect information about your financial position, income and expenses, household budget, banking transaction history, employment and residential status, reason for borrowing, credit history, repayment history and other information required to assess or manage an application or loan.

For investors, we may collect information including bank account details, IRD number and tax information, investment preferences, transaction history, instructions and source of funds or source of wealth information where required for Anti-Money Laundering and Countering Financing of Terrorism purposes.

We may also collect information you provide when you contact us, communicate with our staff, complete a survey, use our online services or otherwise interact with MoneyShop.

When you use our website or online services, we may collect technical information such as your IP address, device information, browser type, operating system, cookies and information about how you use our website.

You may choose not to provide us with personal information. However, this may mean that we are unable to provide you with some products or services.

Where practicable, we collect personal information directly from you.

This may occur when you apply for a loan or investment, communicate with us by telephone, email, online chat or other means, visit one of our branches, use our website or online services, or otherwise provide information to us.

We may also collect personal information about you from other sources where permitted by law or where you have authorised us to do so. These sources may include credit reporting agencies, identity verification providers, referees, current or former employers, current or former creditors, professional advisers, publicly available sources and other organisations that provide services to us.

We may also record telephone, video or online communications with you and may collect CCTV footage when you visit a MoneyShop branch.

Where we collect personal information about you from someone other than you, we will take reasonable steps to notify you as required by the Privacy Act, unless an exception applies.

We may use your personal information to:

• process and assess an application for finance or investment;
• verify your identity and other information you provide;
• assess your creditworthiness and financial position;
• manage, administer or enforce any loan, investment, security or other agreement you have with us;
• process payments, repayments, investor returns, interest and distributions;
• collect or recover outstanding amounts;
• carry out credit reporting and credit account management;
• meet our obligations under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and other applicable laws;
• detect, investigate and prevent fraud, money laundering or other unlawful activity;
• manage risk and maintain the security of our systems and services;
• respond to questions, requests and complaints;
• train staff and monitor the quality of our services;
• conduct internal research and improve our products, services and systems;
• meet taxation, audit, regulatory and reporting requirements;
• communicate with you about MoneyShop products and services where permitted; and
• carry out any other purpose you have authorised or that is permitted by law.

We may disclose personal information where necessary for the purposes for which it was collected, where you have authorised the disclosure, or where disclosure is otherwise permitted or required by law.

Depending on your relationship with MoneyShop, we may disclose personal information to organisations or people such as:

• credit reporting agencies;
• identity and verification service providers;
• debt collection and recovery agencies;
• other credit providers where authorised;
• banks and payment providers;
• technology, hosting and other service providers;
• professional advisers, including lawyers, accountants and auditors;
• your authorised representative;
• government departments, regulators, enforcement agencies or other authorities where required or permitted by law; and
• other parties you have authorised us to deal with.

For borrowers and loan applicants, this may include organisations such as Work and Income New Zealand, Inland Revenue, the Ministry of Justice, Department of Corrections, New Zealand Customs Service, NZ Transport Agency/MotorWeb, employers, landlords or other organisations where disclosure is authorised, necessary for the relevant purpose and permitted by law.

For investors, information may also be disclosed to Inland Revenue or other taxation authorities, the Financial Markets Authority where required, auditors, accountants, legal advisers, payment providers, providers managing investor records and authorised representatives.

If you apply for or hold credit with MoneyShop, we may disclose your personal and credit information to:

Centrix Group Limited
PO Box 62-512
Greenlane
Auckland 1546

Information provided to Centrix may include your identification details, credit application and account information, repayment history, defaults and other information relevant to assessing or managing credit.

Centrix may collect and hold this information to maintain a credit information file about you and provide credit reporting and related services to MoneyShop and other authorised recipients.

Credit information may be used to assess credit applications, manage credit accounts, verify identity, prevent fraud and make other credit-related decisions.

You have the right to request access to, and correction of, personal and credit information Centrix holds about you.

Further information is available from Centrix’s Privacy Statement.

MoneyShop may use service providers located in New Zealand or overseas to provide services such as technology, data storage, communications, analytics, payment processing and other business functions.

Where personal information is disclosed overseas, we will comply with our obligations under the Privacy Act.

Personal information may also be sent overseas where you have authorised us to do so, where required or permitted by law, or where necessary to provide a service or facilitate a transaction you have requested.

MoneyShop takes reasonable steps to protect personal information against loss, unauthorised access, use, modification, disclosure or other misuse.

We use physical, administrative and technical safeguards appropriate to the information we hold. Access to personal information is limited to staff and service providers who require access for legitimate business purposes.

No method of electronic transmission or storage is completely secure. We therefore cannot guarantee absolute security.

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected and to meet our legal, regulatory, contractual and business obligations.

If MoneyShop becomes aware of a privacy breach, we will assess the breach and take appropriate steps to contain it and reduce the risk of harm.

Where a privacy breach has caused, or is likely to cause, serious harm, we will notify the Office of the Privacy Commissioner and affected individuals as soon as practicable, unless an exception under the Privacy Act applies.

You have the right to request access to personal information MoneyShop holds about you and to request correction of that information if you believe it is incorrect.

If we do not agree that information should be corrected, you may ask us to attach a statement of correction to the information.

You can make an access or correction request by contacting MoneyShop on 0800 66 66 39 or info@moneyshop.co.nz.

In most circumstances we will not charge you to access or correct your personal information. In limited circumstances, MoneyShop may charge a reasonable fee where permitted by the Privacy Act. If a fee applies, we will tell you before providing the information.

MoneyShop uses cookies and similar technologies on our website.

Cookies are small files stored on your device that can help us understand how our website is used, remember preferences, improve website functionality and provide relevant content and advertising.

We may collect information including your IP address, device and browser information, pages visited and interactions with our website.

We may use third-party services, including Google analytics and advertising services and Meta/Facebook advertising tools, to help us understand website activity and measure or deliver advertising.

These third parties may collect information through cookies and similar technologies in accordance with their own privacy policies.

You can manage or disable cookies through your browser settings. Disabling some cookies may affect the functionality of parts of our website.

MoneyShop may communicate with you electronically, including by email and SMS/text message, in connection with your application, loan, investment or other relationship with us.

Where permitted by law, electronic communications may also be used to provide disclosures or other information required under the Credit Contracts and Consumer Finance Act 2003 or other applicable legislation.

Where you have consented, or where otherwise permitted by law, MoneyShop may contact you about products, services or opportunities that may be relevant to you.

You can opt out of marketing communications at any time by using the unsubscribe option provided in the communication, calling us on 0800 66 66 39, or emailing info@moneyshop.co.nz.

Opting out of marketing will not prevent us from contacting you about an existing application, loan, investment or other service you have with us.

Our website may contain links to websites operated by third parties. MoneyShop is not responsible for the privacy practices or content of those websites.

We recommend reviewing the privacy policy of any third-party website you visit.

If you have a question, concern or complaint about this Privacy Policy or how MoneyShop has handled your personal information, please contact us so we can investigate and respond.

MoneyShop Group Limited
Phone: 0800 66 66 39
Email: info@moneyshop.co.nz

You can also use the Complaints and Concerns form available on our website.

If you are not satisfied with our response to a privacy matter, you may also contact the Office of the Privacy Commissioner.

We may update this Privacy Policy from time to time to reflect changes to our business practices, services or legal obligations.

The current version will be published on our website. Where appropriate, we may also notify you of significant changes.

This Privacy Policy is governed by New Zealand law and the Privacy Act 2020.

Last updated: 10 September 2026