Our Privacy Policy

Instant Finance and its associate company MyHome Ltd (referred to as “we”, “our” or “us”) are committed to protecting the privacy of any personal information provided to us by our customers (referred to as “you” or “your”).

We may from time to time collect information about identifiable individuals (“Personal information”).

All such information will be handled and held according to the provisions of the New Zealand Privacy Act 2020 (“Privacy Act”) and the 13 Information Privacy Principles contained within it.

Collection of Personal Information

When you use this website, contact us by phone, email, or by letter, we may collect personal information about you which is voluntarily given to us by you.

Purpose of Collection: We collect personal information for the legitimate purposes of providing our goods, and financial services, improving our website functionality, responding to your enquiries, and keeping you informed about our products and services.

This information may include but not be restricted to:

Your name
Your title
Your email address
Your telephone number
Your postal or physical address
Your product preferences
Financial information relevant to our services

At other times we may request personal information from you that includes but is not restricted to:

Completion of online forms for surveys, searches, competitions, registrations, orders and other promotional activity
Creating or modifying your user account details held on this site

Collection from Third Parties: If we collect personal information about you from sources other than yourself, we will take reasonable steps to ensure you are made aware of this collection and the purposes for which we collect it.

Automated Collection and What It Covers

We may use automated tools and methods to collect information about your visit to our site such as cookies, sessions and web analytics (Google Analytics) to collect information including:

Internet protocol (IP) address and host name used by your computer to connect to our website
The operating system and browser used by your computer
The search engine (e.g. Google) you used to reach our website
The date, time and duration of your visit to our website
The pages you viewed on our website

This information is typically collected to improve our service offering to you and to help us better understand your requirements from our website.

We may gather further information if we are concerned about the security of our website or if it displays abnormal usage patterns.

Information gathered in this way is only used in a non-personalised form and not as individual, personal data.

Cookies

Cookies are small bits of information stored on your computer’s hard drive which can be used to identify you as a unique user. We use cookies to:

Personalise your visits to this website
Enable us to improve our offerings to you
Enable you to use particular functions on our site
Evaluate our advertising performance
Monitor website usage

You can manage your cookie preferences through your browser settings.

Use and Disclosure

We will only use personal information gathered for the purposes for which it was collected or for directly related purposes. This means we can:

Respond to any questions you ask us
Provide the products you have requested
Improve our website and services
Monitor our website’s performance
Carry out internal research and analysis
Provide you with updated information regarding products and services
Save you time by pre-populating certain information regarding your personal details
Meet our legal and regulatory obligations

We will ensure we meet the conditions of our Privacy Policy and comply with the Privacy Act. We may use or disclose your personal information in the following circumstances:

You have given us your consent to do so
The use or disclosure is for one of the purposes for which the information was collected or for a directly related purpose
We believe or are required by law to disclose your information because it is necessary to assist law enforcement or other agencies in the performance of their enquiries and duties
We believe that disclosure is necessary to enforce any legal rights we may have, or is reasonably necessary to protect the rights, property and safety of you, us or others
The disclosure is to our service providers who assist us in providing our services, and who are bound by confidentiality obligations

Cross-Border Disclosure

If we disclose your personal information overseas, we will take reasonable steps to ensure that the overseas recipient does not breach the Privacy Act in relation to that information, unless you have authorised the disclosure or one of the exceptions in the Privacy Act applies.

Data Breach Notification

In the event of a privacy breach that is likely to cause serious harm to affected individuals, we will notify both the Privacy Commissioner and affected individuals as soon as practicable after becoming aware of the breach.

Unsubscribing

When you have subscribed to one of our newsletters, competitions, surveys, promotions or email communications you can stop that communication by “unsubscribing” by taking one of the following steps:

Using the unsubscribe feature in any such message
Contacting the MyHome support team directly on 0800 380 000

Access to Your Information

You are entitled to request access to any personal information we hold about you. You may also request that we correct any personal information about you that is inaccurate, out of date, incomplete, irrelevant or misleading.

If the information is not readily retrievable, we may require you to pay reasonable costs for retrieval in certain circumstances. If we cannot meet your request for personal information access or correction, we will let you know why in accordance with the requirements of the Privacy Act.

To request access to or correction of your information, please contact (in the first instance) your MyHome support team on 0800 380 000.

Storage and Security

The Head Office of MyHome Ltd is located at:

Level 1, Building B
600 Great South Road
Greenlane
Auckland

We take reasonable steps to ensure that personal information is stored securely and protected against misuse, interference, loss, unauthorised access, modification or disclosure.

Information sent over the internet is not guaranteed secure and MyHome Ltd cannot therefore guarantee the security of information sent or received from you. Once we receive personal information, we will make every effort to ensure its security.

We will only retain personal information for as long as it is needed for the purposes for which it was collected, or as required by law.

Third Party Websites

Our website may contain hyperlinks to other websites. We are not responsible for the content of those websites, or the manner in which they store, handle or disclose any information you may choose to give them. Always check the privacy policy of any site you visit to ensure the safety of your personal information.

Privacy Officer and Complaints

You may gain access to your personal information, request correction of your personal information, make a complaint about a breach of your privacy rights, or make enquiries about collection of your personal information by contacting:

MyHome Operations Manager
Telephone: 0800 380 000
Mail: PO Box 11427, Ellerslie
Auckland 1542

If you are not satisfied with our response to your privacy complaint, you may also contact the Office of the Privacy Commissioner:

Privacy Commissioner
PO Box 10-094, Wellington 6143
Phone: 0800 803 909
Website: www.privacy.org.nz

Changes to This Privacy Policy

MyHome Ltd reserves the right to make changes to this Privacy Policy. We will notify you of significant changes by posting the updated policy on our website. Continued use of this website following any changes will represent your agreement to be bound by the updated terms.