Our Privacy Policy

This page contains the Privacy Policy for Community Financial Services New Zealand Limited, (“we”, “us”, “our”).

The page lets you know what personal information of yours we hold, what we do with it, who we will disclose it to and how you can access the personal information we hold about you. You can also find information about how to change inaccurate personal information and how to opt out of receiving communications from us.


We respect your privacy and personal information. We have adopted this Privacy Policy to ensure that we deal with your personal information in accordance with the Privacy Act 1993 (as amended from time to time).

What personal information about you do we collect and hold?

Depending on your interactions with us, the personal information that we may collect and hold includes:

  • your name, address, email address, contact number(s), date of birth, gender and drivers licence number;
  • information about your financial position and employment status, personal circumstances, credit and repayment history, and Ministry of Justice fines;
  • any additional information provided in a consumer or commercial credit or lease application you make;
  • information about your preference for products and services we offer from time to time;
  • any other personal information which we are required to collect for identification verification purposes such as passport/visa and licence verification;
  • any additional information you provide, such as when you contact us, log in to our website (www.cfsfinance.co.nz), or call us;
  • any information you may provide to us through customer surveys;
  • a record of any queries you have made or communications you have with us; and
  • any other information that you authorise us to collect.

How do we collect and hold your personal information?

Generally we collect personal information directly from you when you contact us or through the dealer, broker or branch to which you have provided your personal information.

We may also collect personal information through/from:

  • this website, our social media accounts, applications, or through promotional activities;
  • credit reporting agencies and identification service providers, if you make an application with us;
  • our agents, related companies and other organisations which provide services to us;
  • from other third parties, including but not limited to your agents, referees, present or former employers, and other present or former creditors; and
  • publicly available information.

Personal information we collect is held by us or on our behalf. Our physical address is 2-4 Sultan Street, Ellerslie, Auckland 1051; however some information we hold may be stored in “the cloud” in secure databases on our behalf by third parties based overseas. The use of these services and the transfer of information overseas (if applicable) will not relieve us of our obligations under this Privacy Act and this Privacy Policy.

We will take reasonable technical and organisational precautions to protect the personal information we hold, however no method is completely secure and we are not responsible for any breach of security caused by third parties. You are reasonable for ensuring your internet browser and computer system are secure and can support any security measures we use to protect your information and for keeping any log-in details safe and confidential at all times.

What do we do with your personal information (apart from your consumer credit information)?

We may use and disclose your personal information for the purposes of:

  1. responding to or following up on any enquiries, comments or complaints that you submit to us;
  2. customer service requirements and providing information and services to you which you have requested;
  3. for product development purposes, including to assist you to access new channels for delivery of, and access to, our services, for example applications and payment methods;
  4. processing and assessing an application, including completing credit checks on you;
  5. to make ongoing credit decisions about you including reviewing and managing your loan or other account, collecting or recovering any payments or other amounts from you, monitoring your compliance, or to better service any loan or other account we provide;
  6. to confirm and verify your identity including electronically matching your Information with identification information on third party databases;
  7. to notify a credit reporter or a credit provider if you default in any payment or breach any contract or arrangement with us;
  8. utilizing services provided by other third parties in connection with the assessment of any application or the provision of any loan, lease or other products or services by us;
  9. to send you direct marketing, including by email, unless you tell us not to as detailed below under “Marketing and Opting Out”;
  10. any use which is required or authorised by law, including to comply with any laws in New Zealand and overseas, including but not limited to any mandatory obligations under the Anti-Money Laundering and Countering Finance of Terrorism Act 2009;
  11. to monitor and screen any account you have with us for fraud or other crime detection or prevention purposes or risks to our products our services;
  12. any other purpose you have consented to, or authorise. 

Who will we disclose your personal information to?

We may disclose your personal information for the above purposes to:

  1. any person or organisation named in your application or any other person or entity to whom you have consented to us disclosing your personal information;
  2. our agents, related companies and organisations which provide services to us (such as mailing houses, promotions and advertising agencies, insurers, printers, hosting sites/providers, consultants advisors (including lawyers and accountants), contractors, direct debit providers, debt collection agencies and consumer research agencies) and with which we do business (including dealers and/or brokers) (related entities);
  3. credit reporters or credit reporting agencies and other credit providers, including for the purpose of obtaining a credit report about you and/or to allow the credit reporting agency to maintain a credit information file containing information about you. (The personal information about you that we may disclose to a credit reporting agency may include credit account information (including the type and status of accounts, the amount of credit extended and credit limits, and the nature and frequency of repayments), ongoing credit account information,  repayment history information and credit default information);
  4. the relevant authorities if any disclosure is required or authorised by law, including disclosure of any suspicious or threshold transactions or activities; and
  5. with your consent, to guarantors if a credit arrangement is guaranteed.

Access to personal information

You may request access to personal information (including your credit information) we hold about you by contacting us at the contact details below. Where we hold information that you are entitled to access, we will endeavour to provide you with a suitable range of choices (including direction to a credit reporting agency) as to how access is provided (e.g. emailing or mailing it to you). A fee may be charged to cover the cost of retrieval.

We rely on you to update us if your information changes. If at any time you believe that personal information we hold about you is incorrect, incomplete or inaccurate, then you may request amendment of it and we will either amend the information or make a record of your comment, as we think appropriate.

Marketing and Opting Out

We may use information relating to your visit to our Website, or information you provide to us, for marketing purposes (including direct marketing) in order to continually improve the product and/or service we provide to you and/or to contact you from time to time with marketing material about our other products or services and those of our related entities. We may also share your personal information with our related entities so that they can provide you directly with marketing material about their products and services.

You may opt out of receiving this material at any time by contacting us on 0800 88 2000 or by email to customerservice@cfsfinance.co.nz

Your consent to receive this information will remain current until you advise us otherwise.


We may collect information about you when you visit our Website or social media pages or use our applications.  In general you can visit our Website without telling us who you are, however particular sections of our Website may require you to provide us with personal information and in order for some functions of the Website to operate correctly, “cookies” may be used. The amount of information that you provide to us will depend on the services that you choose to use and your interactions with us.

We may use cookies and advertising programs (such as Google Analytics) that place cookies on your computer, to monitor traffic patterns and collect information about your browsing history (including on external websites). This information, which does not identify you personally, is collected in order to improve your online experience and allow us to serve you more efficiently. Not all of the information collected in this way is personal information.

Information captured (whether via use of cookies, statistical records or threat identification) is not passed on to third parties, except for events that have been identified as deliberate and malicious activity against the integrity of the site, in which case such information is passed on to relevant legislative authorities for further investigative and possible enforcement activities. 

By using our Website you agree that the internet is not completely secure, and that accordingly we can only use our best endeavours to secure your personal information and cannot provide any definitive assurance regarding security of personal information. Other than liability that cannot lawfully be excluded, we will not be liable in any way in relation to any breach of security or any unintended loss or disclosure of that information.

Questions and Complaints

If you have any questions about this Privacy Policy or believe that we have at any time failed to keep one of our commitments to you to handle your personal information in the manner required by the Privacy Act, then we ask that you contact us immediately using the following contact details:

The Privacy Officer
Community Financial Services New Zealand Limited
PO Box 11096 Ellerslie Auckland 1542
Phone: 0800 88 2000
Email: customerservice@cfsfinance.co.nz

For security reasons, we require that all requests for personal information are provided in writing.

We will respond and advise whether we agree with your complaint. If we do not agree, we will provide reasons. If we do agree, we will advise what (if any) action we consider appropriate to take in response. If you are still not satisfied after having contacted us and given us a reasonable time to respond, then we suggest that you contact the Office of the Privacy Commissioner by:

Phone:  0800 803 909 (from 8.30am to 5pm, Monday to Friday) (04) 474 7595
Post:  PO Box 10-094 The Terrace, Wellington, 6143
Email: enquiries@privacy.org.nz



This policy is effective from 12 April 2019.

We may change this policy from time to time. By visiting our Website you will be deemed to have agreed to our updated Privacy Policy. Although we intend to observe this Privacy Policy at all times, it is not legally binding on us in any way. From time to time we may regard it as necessary or desirable to act outside the policy. We may do so, subject only to any other applicable contractual rights you have and any statutory rights you have under the Privacy Act or other applicable legislation.