Last updated: 27 March 2026

iloan NZ Ltd (FSP1010485) , trading as iloan™, holds a Class 2 Financial Advice Provider Licence issued by the Financial Markets Authority to provide financial advice. 

This Privacy Policy explains how iloan NZ Limited (“iloan”, “we”, “our”, “us”) collects, uses, stores, and shares your personal information. We comply with the Privacy Act 2020 (the “Act”) when dealing with your personal information.  Personal information is information about an identifiable individual (a natural person).

You are not obliged to provide the personal information we request. However, if you decide not to supply that information, we may not be able to provide our services to you or to provide them effectively.

How we collect personal information

We collect your personal information directly from you, through contact with us (for example, in a meeting, or via an email or our website), when you apply to use our services (for example when you complete our Auto-Approval questionnaire), and when we provide services to you.  We may also, with your consent, collect (where relevant to our services) information from third parties including from accountants, current providers of financial products (including insurers and lenders), employers, the Accident Compensation Corporation and credit reporting agencies.  

Information We Collect

We may collect the following personal information about you , depending on the circumstances:

·       Your personal details (name, address, date of birth, contact details)

·       Your relationship status and family information including number of dependents  

·       Your NZ residency status (for example, citizen, permanent resident, working/student visa)

·       Your employment information (for example, fulltime/parttime, retired)

·       Your financial information (for example income, expenses, credit history, credit file, overdue fines, assets, liabilities, bank account statements)

·       Your identification documents (driver’s licence, passport, or other government-issued ID), either on behalf of lenders or for the purpose of complying with our obligations under Anti-Money Laundering and Countering Financing of Terrorism Act 2009 (in connection with our Auto-Approval guarantee)

·       Your vehicle information (make, model, registration details)

·       Information about your interactions with our website, emails, and services (via cookies or analytics tools- see below)

How We Use Your Personal Information

We use your personal information:

·       To provide our services to you including providing our loan broking and mortgage advisory services

·       To advise on tailored finance solutions (if financial advice is provided)

·       To assess your loan application and eligibility

·       Refer you to related service providers including the related Car Finder Service (in connection with our Auto-Approval Engine service)

·       To comply with the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 (in connection with our Auto-Approval guarantee) in connection with verifying your identity and other matters relating to you

·       To communicate with you

·       To assist you to manage your loan repayments, renewals, and refinancing

·       To improve our website, services, and customer experience

·       To comply with legal and regulatory obligations

·       To defend, protect and enforce our legal rights and interests including defending a complaint, claim or other action

·       Fo any other purpose authorised by you or the Act.

Sharing Your Information

We may share your information with:

·       Our panel of lenders and insurers to help secure finance or insurance products for you, and to assist you with renewing, varying, replacing and exiting those products

·       Credit reporting agencies (e.g., Centrix, Equifax) to obtain your credit history or fill, and to verify details

·       Government agencies or regulators, where required by law

·       Our trusted service providers (such as IT, hosting, marketing, compliance support, lawyers, accountants )

·       Lawyers and other professionals, and our insurers (and their advisers), in connection with defending, protecting and enforcing our legal rights & interests.

A business that supports provision of our services may be located outside New Zealand.  This may mean that personal information is held and processed outside New Zealand.  We will ensure that the same level of protection applies as if your information is held or processed in New Zealand. 

We do not sell your personal information to third parties.

Cookies & Website Data

Our website uses cookies and tracking tools to improve your browsing experience and measure website performance. You can disable cookies in your browser, but this may limit some site functionality.

How We Protect Your Information

We take appropriate security measures to protect your information from unauthorised access, alteration, or disclosure. Information is stored securely, and access is restricted to authorised personnel only.

Accessing and Correcting Your Information

Subject to certain grounds for refusal set out in the Act, you have the right to access and request correction of your personal information under the Privacy Act 2020. To do so, please contact us at:

📧 hello@iloannz.com
📞 0800 456 2647 (ILOANHQ)

Marketing Communications

With your consent, we may send you marketing messages about our services we think may interest you. You can opt out at any time by clicking “unsubscribe” in our emails or contacting us directly.

Retention of Information

We retain personal information for as long as necessary to provide our services and to comply with legal obligations. After this, information will be securely deleted or anonymised.

Changes to This Policy

We may update this Privacy Policy from time to time. Updates will be published on our website with the date of the last revision.