Who we are
This website is owned and operated by Ask For Finance (Company Number 7612777).
The information we collect
The information below provides an overview of how we protect your privacy whenever you are on this site. Personal information on the AFF website may be gathered in two ways as follows:
This information includes your internet address so that we can track unique visits to our site for analytic purposes.
We collect information when you choose to submit it to us. Throughout our site, we provide opportunities for you to apply for various products and services, for example car data checks and car finance. When we collect this type of information, we will notify you of the reason we are asking for information and how this information will be used. It is completely up to you whether or not you want to provide it.
Third party providers featured on or linked to our website may collect information. We have no control over this.
How we use the information
We gather your information to allow us to consider and process your application and enable a third party lender (from our carefully selected panel of lenders) to provide you with a suitable car finance product or service tailored to your circumstances. The relevant information is also used by us and shared with our agents, third party lenders and sub-contractors to deal with your enquiries, process your transaction and communicate with you on any matter relating to the provision of products or services or in general.
We may also use aggregate information and statistics for the purpose of monitoring website usage in order to help us develop the website and our services and may provide such aggregate information to third parties such as advertisers to enable them to assess the value of advertising on our website. The statistics will not include information that can be used to identify any individual.
We may also wish to:
contact you by mail, telephone, fax or email to provide you with offers of products, services or information that may be of interest to you;
provide you with information about special features on our website or any other service or product we think may be of interest to you;
provide you with related information from third parties we think may be of interest to you; and provide your information to carefully selected third parties whose products or services we believe may be of interest to you for example, financial institutions and car dealerships.
We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. Where you have submitted your information to us and consented to receive third party marketing material relating to offers from selected third parties, we will pass your contact information only to such third parties. If you have consented to receive such material or for us to use your information in this way, you are entitled to unsubscribe at any time by sending us an email to: email@example.com
Your information shared
Information about our customers is an important part of our business and we take appropriate measure to ensure that this is kept secure. By making an application through our website and submitting your personal details this will, however, be taken as your consent for us process and to share your information in the following ways:
Businesses we do not control
Sale of Business
If the business is sold or integrated with another business, your details may be disclosed to our advisers and any prospective purchasers and their advisers and will be passed on to the new owners of the business.
Credit Reference Agencies
When you make an application with us our lenders will carry out a search with credit reference agencies (VEDA) for the purpose of assessing your credit score in connection with your application for finance. Credit reference agencies will provide a credit scoring computation and if, based on this score they can proceed with your application, we will inform you at first contact.
Credit reference agencies hold public and credit account information about you including details from the electoral register, country court judgments, bankruptcies, individual voluntary arrangements, administration orders and other data on how you are managing existing credit agreements. Carrying out hard searches will enable the lenders to calculate the level of risk of providing credit to each applicant based on the information obtained. Such searches will be recorded on your credit file leaving a footprint and this allows other lenders and organisations to see when and how many times your credit information has been accessed.
To verify your identity, prevent crime and assist in the recovery of debt, we may exchange information from time to time with Fraud Prevention Agencies, Debt Recovery Agencies, and other relevant organisations including other lenders.
Third party lenders
We may share your information with other third party lenders (including companies whose products or services are not included on our website) in the event that your application is declined by all of our available lenders. This will enable you to be considered for alternative loan options and financial products which are more suited to your circumstances. Such third parties may carry out further searches against you of credit reference agencies for the purposes of assessing your credit score and any such searches will be recorded on your credit file. See Credit Reference Agencies section above for details of these searches. For further information about these third parties please contact us at firstname.lastname@example.org.
We may share your information where it is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) our rights or property, other users, or anyone else who could be harmed by such activities. We also reserve the right to disclose user information when we believe in good faith that the law requires it.
In particular we use Google Analytics’ cookies to measure use of and improve our website and support advertising features as detailed below.
About Google Analytics Advertising Features
This website implements and uses Google Analytics Advertising Features which includes the following:
Remarketing with Google Analytics;
Google Display Network Impression Reporting;
DoubleClick Platform integrations;
Google Analytics Demographics and Interest Reporting.
You can opt-out or customise the use of Google Analytics Advertising Features via Ads Settings found at: www.google.com/settings/ads.
This lets you opt out of ads shown to you based on factors such as your interests, previous visits to other websites, and demographic details on your computer’s browser.
You can also prevent your data from being used by Google Analytics by downloading the Google Analytics’ Opt-out Browser Add-on, which can be found at: https://tools.google.com/dlpage/gaoptout.
We will not facilitate the merging of personally-identifiable information with non-personally identifiable information collected through any Google adverting product or feature without your prior affirmative consent.
How we protect your information
The internet is not a secure medium. We take appropriate steps to maintain the security of your personal data wherever it may be in AFF. The open nature of the Internet is such that data may flow over networks without security measures and may be accessed and used by people other than those for whom the data is intended. However, we aim to apply appropriate levels of security at all times.
How can you access your information?
You are entitled to know whether we hold information about you and, if we do, you are entitled to have access to that information and require it to be corrected if it is inaccurate. You can do this by contacting us by e-mail at email@example.com. Any access request may be subject to a fee of $20 to meet our costs in providing you with details of the information we hold about you.
AFF does not knowingly collect data nor market to children anywhere.
Privacy Authorisation: Finance Applications
If you apply for finance through us, we will share the personal information you give to us with one or more potential lenders. If we do so, those lenders may use your information in order to:
- process your application for finance;
- assess your creditworthiness;
- verify your identity in accordance with anti-money laundering legislation;
- comply with any other legal obligations; and
- If your application is successful, provide you with an offer of finance.
In order to do those things, those lenders may disclose your personal information to, and collect personal information about you from, certain third parties, including:
- credit reporting agencies (credit reporters), from whom you authorise the lenders to collect information about your identity, current credit obligations and credit history;
- identity verification agencies;
- the New Zealand Transport Agency’s ‘Driver Check’ service;
- the Ministry of Justice, in order to obtain fines information;
- government agencies and regulators, or anyone else with whom a lender is required to share that information for the purposes of complying with all applicable laws; and
- any third-party service provider, including professional advisors and public registers.
If a lender discloses the fact that you have applied for finance to a credit reporter, you agree that the credit reporter may keep that information and disclose it to its customers (which may include disclosing it to other lenders from whom you apply for finance in the future). You can ask credit reporters for a copy of any credit information they hold about you and to update it, if necessary. More information is available at https://www.privacy.org.nz/privacy-act-2020/codes-of-practice/crpc2020/.