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Privacy policy & security
FAP Name: Lendi Financial Limited
FSP Number: FSP1006898
Our Privacy CommitmentAt Lendi Financial Limited, (we, us, our) complies with the New Zealand Privacy Act 2020 (the Act) when dealing with personal information. Personal information is information about an identifiable individual (a natural person). This policy sets out how we will collect, use, disclose, and protect your personal information.This policy does not limit or exclude any of your rights under the Act. If you wish to seek further information on the Act, you can contact our Privacy Officer by visiting www.privacy.org.nz for further information.
About UsLendi Financial Limited is a registered company in New Zealand and is a licensed Financial Advice Provider (FSP1006898). This license allows businesses operating under Lendi’s license to provide financial advice to retail clients. What You Need to Know- We will take appropriate measures to safeguard your information.- If we become aware of your information being lost or compromised, we will adhere to the notification requirements outlined in the Privacy Act.- Your information will never be sold to third parties.- We use the information we collect to deliver our services to you and enhance our operations.- If you have any questions or concerns about how we handle or use your information, feel free to contact us Changes to this policy - We may change this policy by uploading a revised policy onto the website. The change will apply from the date that we upload the revised policy. What is personal information? - Personal information is information about an identifiable individual. It includes (but is not limited to) name, address, contact details, date of birth, occupations, payment details, employment history and/or details, education and qualifications, financial information, testimonials and feedback, evidence of source of funds or source of wealth (in some cases) and other information. Third party collection of informationWhere we collect your personal information from someone other than you, we will take reasonable steps to notify you that we have collected your personal information, the purpose of the collection, the intended recipients of the information, the name and address of the agency collecting and holding the information, whether the collection is authorised or required by law and, if so, the law that authorises or requires the collection, and your right to access and request correction of that information, unless an exception applies under the Privacy Act 2020. Third-Party Technology Providers and Financial Data Processing Lendi Financial may use trusted third-party technology providers to assist with processing loan applications, verifying financial information, and conducting financial assessments.These providers may securely process information including:* bank statements,* transaction history,* income information,* identity information,* and supporting financial documents.This information is used solely for the purpose of assisting Lendi Financial in providing lending and financial services to clients.Where applicable, clients may choose to securely connect financial accounts or provide financial documents electronically for assessment purposes.Lendi Financial takes reasonable steps to ensure that all third-party providers maintain appropriate privacy, confidentiality, and security safeguards in accordance with the Privacy Act 2020.Information processed through these providers may be stored or processed in New Zealand and/or Australia.By providing your information to Lendi Financial, you consent to the use of such service providers for the purposes described above. We will use your personal information:● to verify your identity ● to provide services and products to you ● to market our services and products to you, including contacting you electronically (e.g. by call, text, or email for this purpose) ● to improve the services and products that we provide to you ● to respond to communications from you, including a complaint ● to protect and/or enforce our legal rights and interests, including defending any claim ● for any other purpose authorised by you or the Act. Disclosing your personal informationWe may disclose your personal information to:● Other companies or individuals who assist us in providing services or who perform functions on our behalf (such as mailing houses, hosting and data storage providers, specialist consultants, and legal advisers);● Product providers (such as but not limited to lenders and insurance companies);● Financial advisers and financial advice providers who may use our services;● Other companies or individuals who perform checks (such as but not limited to compliance reviews and audits) that are necessary or desirable under the law on our behalf;● Other companies, agencies, or individuals that maintain databases against which your identity may be verified, which may include (but are not limited to) the New Zealand Department of Internal Affairs, and New Zealand Transport Agency;● Social media sites on which we may have a presence;● Courts, tribunals, and regulatory authorities (such as the Financial Markets Authority, and the Ministry of Justice in New Zealand);● Office of the Ombudsman, where a complaint relates to official information;● Any person or agency we believe could assist in responding to a serious privacy breach.● Office of the New Zealand Privacy Commissioner, where a complaint relates to breach of the Privacy Act 2020; ● Human Rights Commission, where a complaint relates to discrimination; ● CERT NZ, where appropriate to assist with the management of a voluntarily notified privacy breach ● Overseas privacy regulator, where a complaint relates to the actions of an overseas agency; and ● Anyone else to whom you authorise us to disclose it. Except as described above, we will not disclose your personal information without your written or oral consent, unless we are required to do so by applicable law. Protecting your personal informationWe will take reasonable steps to keep your personal information safe from loss, unauthorised activity, or other misuse. Our software is subject to audits to ensure it is continuing to meet security requirements. All data handled in our software is encrypted in transit and during storage and can only be accessed over secure network connections Storing your personal informationWe will only retain personal information as long as it is required for the purposes for which the information may lawfully be used. All data stored online is backed up and can be retrieved in the event of data loss or corruption. Data will sometimes be held on-premise at 2B Kororo St - Northcote - Auckland if it is provided to us outside of our software. Accessing and correcting your personal informationSubject to certain grounds for refusal set out in the Act, you have the right to access your readily retrievable personal information that we hold and to request a correction to your personal information. Before you exercise this right, we will need evidence to confirm that you are the individual to whom the personal information relates. In respect of a request for correction, if we think the correction is reasonable and we are reasonably able to change the personal information, we will make the correction. If we do not make the correction, we will take reasonable steps to note the personal information that you requested the correction. If you want to exercise either of the above rights, email us at kam.azami@lendi.nz. Your email should provide evidence of who you are and set out the details of your request (e.g. the personal information, or the correction, that you are requesting). Data BreachesOur Privacy Officer has processes and systems in place in the unfortunate event of a data breach. If such an event occurs, we will promptly identify, report and examine a personal data breach. Internet useWhile we take reasonable steps to maintain secure internet connections, if you provide us with personal information over the internet, the provision of that information is at your own risk.If you follow a link on our website to another site, the owner of that site will have its own privacy policy relating to your personal information. We suggest you review that site’s privacy policy before you provide personal information.We use cookies (an alphanumeric identifier that we transfer to your computer’s hard drive so that we can recognise your browser) to monitor your use of the website. You may disable cookies by changing the settings on your browser, although this may mean that you cannot use all of the features of the website.We may use information about your use of our websites and other IT systems to prevent unauthorised access or attacks on our software. We may utilise services from one or more third-party suppliers to monitor the use of our systems. These third-party suppliers will have access to monitoring and logging information as well as information processed on our websites and other IT systems. Use of Artificial Intelligence ToolsWe may use AI-powered tools, such as ChatGPT, to assist with providing services and answering inquiries. These tools, provided by OpenAI, are designed to enhance user experience by processing language input. Please note that while we strive to protect your privacy, any information shared during interactions with these AI tools will be subject to OpenAI’s privacy policies, which may differ from ours. We recommend reviewing their privacy policy for more details.If you provide personal information about another person, you acknowledge that you are authorized to do so and agree to inform them of the contents of this Privacy Statement. Information Retention and SecurityWe retain your personal information only as long as necessary to fulfill the purposes for which it was collected, unless a longer retention period is required by law. We have implemented robust cybersecurity measures to protect your information from unauthorized access or disclosure, including:
Security softwareAnti-virus softwareBackup processesOther cybersecurity protocols Information HostingWe use cloud storage for client records, which may be hosted outside New Zealand. Our compliance training systems are hosted in New Zealand, while Office 365, which we use, is hosted in the USA and complies with General Data Protection Regulations (GDPR). When sharing your data with third parties, we ensure that they are contractually obligated to implement appropriate technical and organizational measures to protect your personal information. However, please note that some providers may operate under privacy laws and regulations different from those in New Zealand, and we cannot guarantee absolute compliance with their obligations to us.
Your Rights to Access and Correct InformationWe make every effort to ensure that the personal information we hold is accurate and up-to-date. You have the right to verify whether we hold any personal information about you and to request access to it. If you believe any information is incorrect, you have the right to request corrections. If you wish to request a copy of your information, correct it, or be removed from our subscription lists, please contact us through our website.
Internet UseWhile we take reasonable steps to ensure secure internet connections, any information you provide online is at your own risk. Our website may contain links to other websites, which operate under their own privacy policies. We do not assume responsibility for their practices. Chatbot and Automated Assistance
We use a virtual chatbot on our website to help answer questions, guide users, and provide general information about our services. The chatbot may collect certain information you choose to share when interacting with it.
* Information CollectedWhen you use our chatbot, we may collect:- Messages or questions you submit during the chat.- Basic contact details (such as your name or any information you choose to provide).- Technical data such as your browser type, device information, and IP address.- Date and time of your conversation and pages visited on our website.
* Purpose of CollectionWe collect and use chatbot data to:- Respond to your enquiries and provide customer support.- Improve our services and website experience.- Monitor chatbot performance and identify common questions.- Maintain compliance, security, and service quality.
* Data Storage and RetentionChat logs may be stored securely for quality-assurance and improvement purposes. These records are automatically deleted or anonymised after a reasonable period, unless required for compliance, dispute resolution, or system maintenance.
* Third-Party ServicesOur chatbot technology may be provided by a third-party service provider that processes information on our behalf. Data may be stored in New Zealand or securely transferred to another country with comparable privacy protections. We ensure that all third-party providers comply with the New Zealand Privacy Act 2020 and follow appropriate security and confidentiality standards.
* Security and ProtectionAll chatbot communications are encrypted in transit. Access to chat data is limited to authorised staff and service providers who require it for legitimate purposes. We maintain administrative, technical, and physical safeguards to protect the information we collect.
* Automated or AI-Generated ResponsesSome chatbot responses may be generated using artificial intelligence (AI). These responses are designed to provide general information and should not be considered financial or legal advice. If you require specific advice about your situation, please contact a licensed adviser through our contact page.
* Your RightsYou may request access to, correction, or deletion of information collected during a chatbot session by contacting us through the Lendi.co.nz contact page Data Privacy Policy We are committed to protecting and securing the data you have entrusted to our service.
About UsLendi Financial Limited is a registered company in New Zealand and is a licensed Financial Advice Provider (FSP1006898). This license allows businesses operating under Lendi’s license to provide financial advice to retail clients. What You Need to Know- We will take appropriate measures to safeguard your information.- If we become aware of your information being lost or compromised, we will adhere to the notification requirements outlined in the Privacy Act.- Your information will never be sold to third parties.- We use the information we collect to deliver our services to you and enhance our operations.- If you have any questions or concerns about how we handle or use your information, feel free to contact us Changes to this policy - We may change this policy by uploading a revised policy onto the website. The change will apply from the date that we upload the revised policy. What is personal information? - Personal information is information about an identifiable individual. It includes (but is not limited to) name, address, contact details, date of birth, occupations, payment details, employment history and/or details, education and qualifications, financial information, testimonials and feedback, evidence of source of funds or source of wealth (in some cases) and other information. Third party collection of informationWhere we collect your personal information from someone other than you, we will take reasonable steps to notify you that we have collected your personal information, the purpose of the collection, the intended recipients of the information, the name and address of the agency collecting and holding the information, whether the collection is authorised or required by law and, if so, the law that authorises or requires the collection, and your right to access and request correction of that information, unless an exception applies under the Privacy Act 2020. Third-Party Technology Providers and Financial Data Processing Lendi Financial may use trusted third-party technology providers to assist with processing loan applications, verifying financial information, and conducting financial assessments.These providers may securely process information including:* bank statements,* transaction history,* income information,* identity information,* and supporting financial documents.This information is used solely for the purpose of assisting Lendi Financial in providing lending and financial services to clients.Where applicable, clients may choose to securely connect financial accounts or provide financial documents electronically for assessment purposes.Lendi Financial takes reasonable steps to ensure that all third-party providers maintain appropriate privacy, confidentiality, and security safeguards in accordance with the Privacy Act 2020.Information processed through these providers may be stored or processed in New Zealand and/or Australia.By providing your information to Lendi Financial, you consent to the use of such service providers for the purposes described above. We will use your personal information:● to verify your identity ● to provide services and products to you ● to market our services and products to you, including contacting you electronically (e.g. by call, text, or email for this purpose) ● to improve the services and products that we provide to you ● to respond to communications from you, including a complaint ● to protect and/or enforce our legal rights and interests, including defending any claim ● for any other purpose authorised by you or the Act. Disclosing your personal informationWe may disclose your personal information to:● Other companies or individuals who assist us in providing services or who perform functions on our behalf (such as mailing houses, hosting and data storage providers, specialist consultants, and legal advisers);● Product providers (such as but not limited to lenders and insurance companies);● Financial advisers and financial advice providers who may use our services;● Other companies or individuals who perform checks (such as but not limited to compliance reviews and audits) that are necessary or desirable under the law on our behalf;● Other companies, agencies, or individuals that maintain databases against which your identity may be verified, which may include (but are not limited to) the New Zealand Department of Internal Affairs, and New Zealand Transport Agency;● Social media sites on which we may have a presence;● Courts, tribunals, and regulatory authorities (such as the Financial Markets Authority, and the Ministry of Justice in New Zealand);● Office of the Ombudsman, where a complaint relates to official information;● Any person or agency we believe could assist in responding to a serious privacy breach.● Office of the New Zealand Privacy Commissioner, where a complaint relates to breach of the Privacy Act 2020; ● Human Rights Commission, where a complaint relates to discrimination; ● CERT NZ, where appropriate to assist with the management of a voluntarily notified privacy breach ● Overseas privacy regulator, where a complaint relates to the actions of an overseas agency; and ● Anyone else to whom you authorise us to disclose it. Except as described above, we will not disclose your personal information without your written or oral consent, unless we are required to do so by applicable law. Protecting your personal informationWe will take reasonable steps to keep your personal information safe from loss, unauthorised activity, or other misuse. Our software is subject to audits to ensure it is continuing to meet security requirements. All data handled in our software is encrypted in transit and during storage and can only be accessed over secure network connections Storing your personal informationWe will only retain personal information as long as it is required for the purposes for which the information may lawfully be used. All data stored online is backed up and can be retrieved in the event of data loss or corruption. Data will sometimes be held on-premise at 2B Kororo St - Northcote - Auckland if it is provided to us outside of our software. Accessing and correcting your personal informationSubject to certain grounds for refusal set out in the Act, you have the right to access your readily retrievable personal information that we hold and to request a correction to your personal information. Before you exercise this right, we will need evidence to confirm that you are the individual to whom the personal information relates. In respect of a request for correction, if we think the correction is reasonable and we are reasonably able to change the personal information, we will make the correction. If we do not make the correction, we will take reasonable steps to note the personal information that you requested the correction. If you want to exercise either of the above rights, email us at kam.azami@lendi.nz. Your email should provide evidence of who you are and set out the details of your request (e.g. the personal information, or the correction, that you are requesting). Data BreachesOur Privacy Officer has processes and systems in place in the unfortunate event of a data breach. If such an event occurs, we will promptly identify, report and examine a personal data breach. Internet useWhile we take reasonable steps to maintain secure internet connections, if you provide us with personal information over the internet, the provision of that information is at your own risk.If you follow a link on our website to another site, the owner of that site will have its own privacy policy relating to your personal information. We suggest you review that site’s privacy policy before you provide personal information.We use cookies (an alphanumeric identifier that we transfer to your computer’s hard drive so that we can recognise your browser) to monitor your use of the website. You may disable cookies by changing the settings on your browser, although this may mean that you cannot use all of the features of the website.We may use information about your use of our websites and other IT systems to prevent unauthorised access or attacks on our software. We may utilise services from one or more third-party suppliers to monitor the use of our systems. These third-party suppliers will have access to monitoring and logging information as well as information processed on our websites and other IT systems. Use of Artificial Intelligence ToolsWe may use AI-powered tools, such as ChatGPT, to assist with providing services and answering inquiries. These tools, provided by OpenAI, are designed to enhance user experience by processing language input. Please note that while we strive to protect your privacy, any information shared during interactions with these AI tools will be subject to OpenAI’s privacy policies, which may differ from ours. We recommend reviewing their privacy policy for more details.If you provide personal information about another person, you acknowledge that you are authorized to do so and agree to inform them of the contents of this Privacy Statement. Information Retention and SecurityWe retain your personal information only as long as necessary to fulfill the purposes for which it was collected, unless a longer retention period is required by law. We have implemented robust cybersecurity measures to protect your information from unauthorized access or disclosure, including:
Security softwareAnti-virus softwareBackup processesOther cybersecurity protocols Information HostingWe use cloud storage for client records, which may be hosted outside New Zealand. Our compliance training systems are hosted in New Zealand, while Office 365, which we use, is hosted in the USA and complies with General Data Protection Regulations (GDPR). When sharing your data with third parties, we ensure that they are contractually obligated to implement appropriate technical and organizational measures to protect your personal information. However, please note that some providers may operate under privacy laws and regulations different from those in New Zealand, and we cannot guarantee absolute compliance with their obligations to us.
Your Rights to Access and Correct InformationWe make every effort to ensure that the personal information we hold is accurate and up-to-date. You have the right to verify whether we hold any personal information about you and to request access to it. If you believe any information is incorrect, you have the right to request corrections. If you wish to request a copy of your information, correct it, or be removed from our subscription lists, please contact us through our website.
Internet UseWhile we take reasonable steps to ensure secure internet connections, any information you provide online is at your own risk. Our website may contain links to other websites, which operate under their own privacy policies. We do not assume responsibility for their practices. Chatbot and Automated Assistance
We use a virtual chatbot on our website to help answer questions, guide users, and provide general information about our services. The chatbot may collect certain information you choose to share when interacting with it.
* Information CollectedWhen you use our chatbot, we may collect:- Messages or questions you submit during the chat.- Basic contact details (such as your name or any information you choose to provide).- Technical data such as your browser type, device information, and IP address.- Date and time of your conversation and pages visited on our website.
* Purpose of CollectionWe collect and use chatbot data to:- Respond to your enquiries and provide customer support.- Improve our services and website experience.- Monitor chatbot performance and identify common questions.- Maintain compliance, security, and service quality.
* Data Storage and RetentionChat logs may be stored securely for quality-assurance and improvement purposes. These records are automatically deleted or anonymised after a reasonable period, unless required for compliance, dispute resolution, or system maintenance.
* Third-Party ServicesOur chatbot technology may be provided by a third-party service provider that processes information on our behalf. Data may be stored in New Zealand or securely transferred to another country with comparable privacy protections. We ensure that all third-party providers comply with the New Zealand Privacy Act 2020 and follow appropriate security and confidentiality standards.
* Security and ProtectionAll chatbot communications are encrypted in transit. Access to chat data is limited to authorised staff and service providers who require it for legitimate purposes. We maintain administrative, technical, and physical safeguards to protect the information we collect.
* Automated or AI-Generated ResponsesSome chatbot responses may be generated using artificial intelligence (AI). These responses are designed to provide general information and should not be considered financial or legal advice. If you require specific advice about your situation, please contact a licensed adviser through our contact page.
* Your RightsYou may request access to, correction, or deletion of information collected during a chatbot session by contacting us through the Lendi.co.nz contact page Data Privacy Policy We are committed to protecting and securing the data you have entrusted to our service.
This Privacy Policy was last updated in April 2026.