Privacy Policy

The Privacy Act 1993 governs the collection, use, storage, disclosure and correction of personal information in New Zealand. Personal information means information about an identifiable individual. Pay Today NZ Limited (Pay Today) complies with the Privacy Act 1993.

This Privacy Policy set outs how we collect, store, use and disclose personal information that we collect through this website: www.paytoday.net.nz

Consent

Your use of Pay Today's website constitutes your acceptance of our Privacy Policy.  When you supply us with personal information (e.g. use of online forms and surveys and emails) you are consenting to:

  • our use and disclosure of your personal information
  • Pay Today contacting you to offer you our other products and/or services

If you do not wish us to contact you with any such offers or you have any concerns about our use or disclose of your personal information please email us at info@paytoday.net.nz

We will endeavour to collect personal information from you directly. However, you authorise us to collect and disclose personal information about you from and to third parties, such as credit agencies and/or debt collection services etc.

Collection of Information

Pay Today collects personal information about you from:

  • your application form
  • online forms, surveys and emails to us
  • third parties such as credit agencies
  • your computer

Pay Today may also collect the following type of information when you visit this website:

  • your browser's internet address, server's address, domain name and IP address
  • the pages you accessed and documents downloaded
  • the type of browser you are using

Cookies

A cookie is a small file that is sent to your browser from our web server and stored on your computer hard drive. Cookies help us to provide you a customized experience each time you return to our website. Cookies cannot read information from the hard drive of the computer you are using.

It is possible to disable the acceptance of cookies by your web browser. However, doing so may restrict your ability to access some web pages.

Use of Personal Information

Pay Today uses the personal information you supply to us through the use of online forms, email, online surveys and feedback for the purposes of assessing and processing your loan, credit enquiries, debt collection, statistical analysis, market research, offering you products and services, administration matters,  provision of our services, complying with the law and to identify and prevent criminal activities.

Disclosure of personal information

We will only use personal information that you provide to us through this website for the purposes for which you supplied it or, in exceptional situations, for other reasons permitted under the Privacy Act 1993. For example, we may disclose your personal information to a third party if:

  • we are legally required to do so e.g. police investigation etc
  • we decide to sell any business or assets (in which case we may disclose your personal information to the buyer of any such business or assets)

If you confirm that you wish to receive further information then we may provide or sell some of your personal information to selected third parties. These third parties may use your personal information to contact you to offer you products and/or services which might be of interest you.  If you are contacted by a third party and you do not wish to be contacted by them again you may ask to have your contact details removed from their database.

External sites that are linked to or from Pay Today's website are not under our control and you are advised to review their privacy policies.

Accuracy, Access and Correction of Personal Information

Pay Today will take reasonable steps to ensure that the personal information we hold about you is accurate, up to date, complete, relevant, and not misleading. If you believe that the personal information Pay Today holds about you is inaccurate and requires correction or if you require copies of your personal information held by the Pay Today please contact us. When personal information is no longer required for the purposes for which it was collected it may be deleted.

Privacy Policy Changes

Pay Today may change its Privacy Policy from time to time without notice. Although most changes are likely to be minor, Pay Today encourages visitors to check this page regularly for any changes to our Privacy Policy. Your continued use of this website after any change in this Privacy Policy will constitute your acceptance of such change.