Mr Rental Privacy Policy

Thank you for visiting the web site ("site") of Mr Rental and for taking the time to view our privacy statement ("the statement"). Mr Rental respects and is committed to protecting the privacy of our site's users. This statement explains how we collect information about you and how we use it. By visiting and using our site, you consent to the practices described in this statement.

This Privacy Policy applies to Mr Rental NZ Pty Ltd (Mr Rental, we, us)

What is Personal Information?

The Privacy Act 2020 (NZ) defines Personal information as information about an identifiable individual.

Any time we use the term Personal Information in this policy, we are referring to this legal definition of the term.

What types of Personal Information do we collect?

The types of personal information that we may collect include the following information about you which is relevant to our relationship or the product or service you are enquiring about or making an application for: name, address, contact details, date of birth, financial details such as income, savings and expenses and information from other financial institutions, employment details and the reason you might be applying for a product we supply.

We may also collect information regarding your internet activity (including your location) when you use our website or online services.

What is “credit eligibility information”?

“Credit eligibility information” is personal information that has been obtained from a credit reporting body (CRB) (e.g. a consumer credit report), or personal information that has been derived from that information, that is about an individual’s consumer credit worthiness.
The kind of information we might derive from a consumer credit report includes:

• information which assists us to assess your suitability for credit;
• information about your credit history with other credit providers; and
• the likelihood of you being able to meet your commitments to us.

What is “credit information”?

“Credit information” is certain types of personal information that includes the following:

• information about an individual, like their name and address, that we may use to identify that individual;
• information about an individual’s current or terminated consumer credit accounts and an individual’s repayment history;
• the type and amount of credit applied for in any previous consumer or commercial credit applications to any credit provider, where that credit provider has requested information;
• information about an individual from a CRB;
• information about consumer credit payments overdue for at least 60 days and for which collection action has started;
• advice that payments that were previously notified to a CRB as overdue are no longer overdue;
• information about new credit arrangements an individual may have made with a credit provider, in relation to consumer credit currently or previously held, to deal with any defaults or serious credit infringements by that individual;
• information about court judgments which relate to credit that an individual has obtained or applied for;
• information about an individual on the Insolvency Register;
• publicly available information about an individual’s credit worthiness; and
• an opinion of a credit provider that an individual has committed a serious credit infringement of credit provided by that credit provider.

We will hold all of this information about an applicant for credit or related person (e.g. a director of a company which has applied for credit).

Cookies and Click stream Data

Cookies - We may use a feature of your browser called a "Cookie". A "Cookie" is a piece of information that a web site sends to your browser. Cookies are used to add functionality, track web site usage and enable us to "personalise" your visits to our site. Cookies do not in themselves identify you; rather they identify your computer's browser.

Most web browsers are set to accept Cookies however if you do not wish to receive Cookies you may set your browser to refuse them (this may result in you not being able to access parts of our site).

Click stream data - when you browse our site we may collect and log the following types of information ("Click stream data") including without limitation:

the date and time that you visit our site;

the amount of time you spend on our site;

the particular pages that you visit;

the type of browser you use;

the address of your server;

the address of the site that you have connected from;

Mr Rental does not use the above Click stream data or Cookies to personally identify you. We use the data on an aggregate and anonymous basis for purposes which include generating statistics, managing the effectiveness of our site, identifying repeat visitors, building anonymous profiles of visitors to enable content (including advertising and promotions) on the site to be tailored to them and for market research.

Why do we collect personal information?

We collect your personal information so that we can consider any application for a product or service provided to you, provide services to you in relation to that product or service, perform administrative functions, conduct customer satisfaction research, improve our products and develop new products, collect overdue payments relating to credit you owe, so that we can tell you about other products and services and products and services you may be interested in, to assess and process of a job application submitted by you or to assess and process an application to become a franchisee submitted by you or to search or register any security.

You do not have to provide us with your personal information. However, if you do not provide us with your personal information, we may not be able to provide you with our services or otherwise interact with you.

How do we collect personal information?

We ordinarily collect personal information directly from you or where it is provided to us with your authority (e.g. from a person appointed to act on your behalf). For example, we collect personal information through forms you fill out when applying for our products and services or through your ongoing interaction with us for example by telephone, mail and electronic communications or when you make a transaction.

We may also be required to collect personal information (including credit information and credit eligibility information) about you from a third party. These parties may include other credit providers or financial institutions, your representatives such as financial advisers or accountants, your insurers, publicly available sources (e.g. telephone directories), brokers, referrers or other intermediaries, our corporate partners or agents, government agencies and CRBs.

In addition to the above, we may use technology called “cookies” to collect statistical information on our website use. When you call us on the telephone, we may monitor and, in some cases, record the telephone conversation for staff training and record-keeping purposes. Further, when we communicate with you by email, we may use technology to identify you so that we will be in position to know when you have opened the email or clicked on a link in the email.
If personal information about you is collected by third parties on any website you have accessed through our websites, we may also collect or have access to that information as part of our arrangement with those third parties.

We may also collect basic personal information about third parties (e.g. an employer or a health provider) if provided by an you as part of providing our services.
Finally, from time to time we may receive information that we have not asked for about you from third parties. We will only keep, use and disclose this information as permitted by law.

How do we store personal information?

We store your personal information (including credit information and credit eligibility information) in a number of ways including:

• in electronic systems and devices;
• in telephone recordings;
• in paper files; and
• document retention services off-site.

This may include storage on our behalf by third party service providers.

How do we protect personal information?

We take all reasonable steps to protect your personal information (including credit information and credit eligibility information) from misuse, loss and unauthorised access, modification or disclosure. These include:

• using appropriate information technology and processes;
• restricting access to your personal information to our employees and those who perform services for us who need your personal information to do what we have engaged them to do;
• protecting paper documents from unauthorised access or use through security systems we deploy over our physical premises;
• using computer and network security systems with appropriate firewalls, encryption technology and passwords for the protection of electronic files;
• securely destroying or “de-identifying” personal information if we no longer require it subject to our legal obligations to keep some information for certain prescribed periods; and
• requesting certain personal information from you when you wish to discuss any issues relating to the products and services, we provide to you.

Whilst we take reasonable measures, no data transmission over the Internet can be guaranteed as fully secure and accordingly, we cannot guarantee or warrant the security of any information you send to us using our online forms or products. You submit information over the Internet at your own risk.

Opt-Out / Amend Procedure

In each e-mail you receive from us, we will endeavour to attach simple instructions on how you can immediately unsubscribe from our mailing list. In any event you can opt-out from receiving promotional material from us by e-mailing us at info@mrrental.co.nz and asking to be removed from the mailing list.

Why do we exchange personal information with third parties?

We may need to disclose personal information (including credit information and credit eligibility information) about you to certain organisations in connection with the establishment and administration of your accounts.

The types of organisations to which we may disclose this information include our related bodies corporate, other credit providers (particularly when you are seeking finance from them), regulatory bodies and government agencies, courts and external dispute resolution schemes, your agents, brokers, referrers and other intermediaries, credit and debt agencies, payments systems participants, agents, contractors and professional advisers who assist us in providing our services, your referees as applicable (or prospective referees), your or our insurers, third parties for securitisation purposes and organisations that carry out functions on our behalf including mailing houses, data processors, researchers, debt collectors, system developers or testers, accountants, auditors, valuers and lawyers.

We may also disclose your personal information to third parties where you request us to or consent to us doing so or in order to fulfil our legal obligations.
The information we provide to other organisations will be limited to what is required to provide the service or comply with the law.

Do we share Personal Information overseas?

Some of our offices and some of the third parties we share your Personal Information with are located outside of New Zealand for example Australia and USA. We require these parties to take appropriate measures to protect your information and ensure the sharing is in accordance with applicable law.

Important information about the exchange of credit-related information with Credit Reporting Bodies (CRBs)

If you apply for credit, we may exchange certain credit-related personal information with CRBs.
The types of information we may disclose to CRBs may include that we provide credit to you, the type of credit you hold, the amount of credit provided to you, when your credit account is opened and closed, how you repay your credit, that you have made payments on time or corrected a default, the fact that you have failed to meet your repayment obligations or that you have committed a serious credit infringement. CRBs may include that information in reports provided to credit providers like us to assist them to assess your creditworthiness.
Under the Privacy Act, CRBs are also permitted to assist credit providers like us who wish to direct market to you by ensuring you meet certain specified criteria (called “pre-screening”). You have a right to request that CRBs not use your credit-related information for this purpose by contacting them using the details below.
You also have a right to request that a CRB not use or disclose your credit-related information if you believe that you have been a victim of fraud (including identity fraud) by contacting them using the details below.
The CRBs we exchange information with are:
• Illion Australia Pty Ltd (PO Box 7405, St Kilda Road, MELBOURNE Vic 3004 Email: chc-au@illion.com.au, www.creditcheck.illion.com.au); or
• Equifax (PO Box 964, North Sydney, NSW 2059, Tel 138 332, www.mycreditfile.com.au).
For details on how these credit reporting bodies manage personal information, including your credit information, please see their privacy statements which are available at https://www.illion.com.au/privacy-policy/ and https://www.equifax.com.au/privacy.

Marketing

From time to time we may also use your personal information to let you know about other products and services from us that you might be interested in. We might also want to let you know about products and services from our partners and other companies.
If you don’t want to receive advertising materials, please contact us on 0800 111 313.

Access to your Personal Information and Credit Information

If you wish to view the personal information and/or credit information we may hold about you, please send your request by email to info@mrrental.co.nz. If you wish to amend that information because it is out of date or incorrect, or if you wish your personal information to be deleted from our database, please email us at the same address.

How can you ask questions or make a complaint?

We are committed to resolving any complaint you may have. Complaints can be received in several different ways:
• in person
• by phone
• in writing
• via email
• via our website

Internal Dispute Resolution

If you have any complaint about how we collect, hold, use or disclose your personal information or you believe that we have failed to comply with relevant privacy law, please contact our Privacy Officer who will then follow our Privacy Internal Dispute Resolution process and respond to your complaint within fourteen (14) days.
Our Privacy Officer can be contacted at: The Privacy Officer, Mr rental, 2/11-17 Church Street, Queenstown 9300; Tel 0800 111 313; Email: info@mrrental.co.nz.
If you are not satisfied with our Privacy Internal Dispute Resolution process, you may refer your complaint to the New Zealand Privacy Commissioner.

New Zealand Privacy Commissioner
www.privacy.org.nz
Phone: 0800 803 909

Changes to the Statement

From time to time we may decide to amend or update this statement. Where this occurs, we will post any changes on this page. We encourage you to periodically review this statement so that you remain informed of how Mr Rental is protecting your personal information.

Tell us what you think

Mr Rental welcomes your questions and comments regarding this statement. If you have any suggestions as to how we may improve our privacy practices or if you are of the view that we have not adhered to this statement, please let us know