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Privacy Policy

Last updated: 29/07/2026

The ("us", "we", or "our") operates (the "Site"). This page informs you of our policies regarding the collection, use and disclosure of Personal Information we receive from users of the Site.

We use your Personal Information only for providing and improving the Site. By using the Site, you agree to the collection and use of information in accordance with this policy.

Information Collection And Use

While using our Site, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information may include, but is not limited to your name ("Personal Information").

Log Data

Like many site operators, we collect information that your browser sends whenever you visit our Site ("Log Data").

This Log Data may include information such as your computer's Internet Protocol ("IP") address, browser type, browser version, the pages of our Site that you visit, the time and date of your visit, the time spent on those pages and other statistics.

In addition, we may use third party services such as Google Analytics that collect, monitor and analyze this

Cookies

Cookies are files with small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and stored on your computer's hard drive.

Like many sites, we use "cookies" to collect information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Site.

Security

The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.

Changes To This Privacy Policy

This Privacy Policy is effective as of 07/09/2021 and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page.

We reserve the right to update or change our Privacy Policy at any time and you should check this Privacy Policy periodically. Your continued use of the Service after we post any modifications to the Privacy Policy on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy.

If we make any material changes to this Privacy Policy, we will notify you either through the email address you have provided us, or by placing a prominent notice on our website.

Contact Us

If you have any questions about this Privacy Policy, please contact us.



IPP3A — Collection from Third-Party Sources

Information Privacy Principle 3A (IPP3A), introduced by the Privacy Act 2020, requires agencies to take reasonable steps to ensure that individuals are aware when their personal information is collected from a source other than the individual themselves.

What IPP3A Requires of FYN

Where we collect your personal information from a third party (such as a credit bureau, a referring lender, or a public register), we must — unless an exception applies — take reasonable steps to ensure you are aware of:

  • The fact that we have collected your information
  • The source from which it was collected
  • The purpose for which it was collected
  • Any intended recipient or class of recipients of the information
  • Your rights to access and correct that information
  • The name and contact details of our organisation
Third-Party Sources We May Use
  • Credit reporting agencies (e.g. Equifax NZ, Centrix) — for credit assessments where you have provided consent
  • Lending partners — lenders on our panel may share application outcome or pre-assessment data with us
  • Companies Register / FSPR — for verifying business or professional credentials
  • Your employer or accountant — only where you have specifically authorised us to contact them
  • Open banking data providers — where you consent to share transaction data
How We Notify You

Where we collect information about you from a third-party source, we will notify you as soon as practicable — typically at the time of your first interaction with us, or via email if the collection occurs after initial contact. This notification will include the details required under IPP3A.

Exceptions

The notification requirement under IPP3A does not apply where:

  • It would prejudice the purposes for which the information was collected
  • Notification is not reasonably practicable in the circumstances
  • The information will not be used in a form that identifies you
  • The collection is authorised by law

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