What is personal information?

Personal information is information about an identifiable individual. It includes information that can be used to identify you, such as your name and contact details. It also includes your credit information.

Why do we collect personal information? We collect personal information so that we can:

• Identify you;
• Respond to inquiries from you;
• Assess any application you make for products or services, including any terms which may be offered;
• Set up and manage your products and services;
• Prevent or detect fraud or loss;
• Understand your needs and improve our products and services through research, product development and training;
• Comply with our obligations at law.

How do we collect personal information? Most of the personal information that we will collect will come directly from you. This information may include:

• Your identification and contact details;
• Your employment details, financial position and credit history; and
• Any other information we are required by law to collect about you.

We may also collect your personal information from third parties. This may include:

• Financial institutions, credit reporting agencies, telecommunication agencies, debt recovery agencies, and investigative service providers;
• Your representatives, such as your legal or financial adviser;
• Your employer; and
• Where information has been made publicly available, social media platforms and public information service providers such as public registers.

What happens if you don’t give us your personal information?

If we ask for your personal information and you don’t give it to us, we may not be able to provide you with any, some, or all of the features of our products or services. For example, we may not be able to accept your application and may have to decline it due to the lack of our ability to responsibly make a decision on your creditworthiness.

How will we use and disclose your personal information?

At all times, we will respect and protect the privacy of your personal information. We use and disclose your personal information only for the purposes we collected it, or other directly related purposes.

We may disclose your information to:

• Financial institutions, credit reporting agencies, debt recovery agencies and investigative service providers;
• Telecommunication agencies and information technology providers, such as our hardware/software vendors and consultants, customer or market research organisations;
• Your representatives, such as your legal or financial adviser;
• Your employer;
• Government, law enforcement or statutory bodies;
• Insurance providers;
• Legal, accounting, finance and other professional advisers;
• Administration or business management services;
• Printers, mail service and delivery providers;
• Imaging and document management services;
• Data modelling and research services;
• Other service providers;
• External dispute resolution schemes; and
• As otherwise required by law.

Storing and protecting your personal information

We maintain strict security measures to protect your personal information. The procedures are constantly monitored and updated to ensure your personal information is securely stored and protected.

Your personal information is stored securely by us, or with any supplier we have a contractual arrangement with, in New Zealand, in cloud storage and overseas. Where we have engaged a provider to store your information on our behalf, we have undertaken assessments to satisfy ourselves that the provider and their jurisdictions meet our security standards.

Disclaimer:

We are not financial advisors. The information provided on this website or via emails is for informational and educational purposes only and should not be construed as investment or financial advice. We do not guarantee the accuracy, completeness, or timeliness of any information provided. Any reliance you place on such information is strictly at your own risk. We disclaim any and all liability for any direct, indirect, or consequential damages arising from or in connection with the use or reliance on any information provided on this website or via emails.

Contact Details

Jacques Marais (Director)

021 175 6893

admin@vaf.co.nz

150 Timaru-Temuka Highway, Rd 3, Timaru, 7973, South Island, New Zealand

VAF (ltd) FSP Number: FSP1004153

Dispute Resolution Scheme

Financial Dispute Resolution Service (FDRS)

Level 4, 142 Lambton Quay, Wellington 6011

https://fdrs.org.nz

DRS Membership Number: FM6474