Privacy, Compliance & Regulatory

Privacy Policy

When you apply for credit, products and services from us we collect personal information from you, including information about:

  • Your personal and contact information including full name, date of birth, address, telephone numbers and email address
  • Your identification verification information, including passport and driver’s licence documents
  • Your credit records, loan details, banking history, employment and financial information

We collect your personal information in order to:

  • Verify your identity and meet our anti money laundering compliance obligations
  • Assess your application to obtain finance from us
  • Manage your account(s) with us including maintaining your credit records with credit reporting agencies, pursuing arrears and any money that you owe us
  • Complying with any other use, obligation, permitted reason or requirement of law in New Zealand

Besides our staff, the third parties that we share this information with include:

  • credit reference and reporting agencies in order to assess your application for finance, account monitoring, ongoing repayment history with us and default information
  • Government agencies including the Ministry of Justice to obtain fines information, NZ Transport Authority to obtain drivers licence verification, Department of Internal Affairs for identification verification, Motor Vehicle Register and Personal Property Securities Register to assist with the application.
  • Electronic identification verification providers that we have engaged to verify your identity on our behalf as part of our anti money laundering compliance requirements
  • Anyone who guarantees any money that you owe us
  • Debt collection agencies
  • External dispute resolution scheme
  • Other entities within our group of companies
  • Law enforcement, government agencies and regulators to comply with any law, rule, or regulatory requirement.

Providing some information is optional however if you choose not to provide any of the information that we have requested, we may be unable to provide credit, products or services to you.

You have the right to ask for a copy of any personal information we hold about you, and to ask for it to be corrected if you think it is wrong. If you’d like to ask for a copy of your information or to have it corrected you can contact us through one of the methods listed on our Contact Us page.

Complaints Process

Let’s solve your problem

We are committed to providing excellent customer service and are committed to resolving issues, so in the unlikely event that you have a problem understanding something or you would like to make a complaint, please let us know so that we can address it.

Who should you contact if you have a problem?

Talk to your lease consultant directly first, or contact their line manager and make them aware of your situation and the problem that has arisen so that action can be taken.

If you’re still not 100% satisfied with the outcome, or you believe that the matter is very serious, you can contact our board of directors via our Feedback & Complaints Committee at fcc@vfl.co.nz and they will take up your concerns.

If this does not resolve your complaint fully, your next step is Financial Services Complaints Ltd (FSCL), the external dispute resolution scheme of which VFL Limited is a member. This independent body is approved by the Ministry of Consumer Affairs.

Complaints to FSCL will need to meet certain criteria. Click here to visit the FSCL website.

Communications Disclaimer

The Electronic Transactions Act 2002, Section 8 validates all electronically transmitted data or information and gives it the same standing as a physically written document. Therefore an email and any files transmitted by VFL Finance (The Company) with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. Our emails may contain confidential information and are intended only for the individual named. If you are not the named addressee you should not disseminate, distribute or copy any electronic message. Please notify the sender immediately by e-mail if you have received any electronic message by mistake and delete the e-mail from your system. If you are not the intended recipient you are notified that disclosing, copying, distributing or taking any action in reliance on the contents of the email information is strictly prohibited.