Privacy Policy

1. Interpretation and definitions

Interpretation

Words with capitalised initial letters have meanings defined below. These definitions apply whether the terms appear in singular or plural.

Definitions

Company

SimplyFunded is the trading name of MORLEY CAPITAL APAC LTD, company number 9441560, NZBN 9429053787996, registered in New Zealand. Registered address: Corporate Services New Zealand Limited, Level 5, 79 Queen Street, Auckland, New Zealand, 1010.

Personal information

Information about an identifiable, living individual, as defined by the New Zealand Privacy Act 2020.

Sensitive information

Information that requires additional care because of its nature, including identification, financial, credit-related or health information where applicable.

Service

The SimplyFunded New Zealand website and related lending, enquiry and application services.

Usage data

Information collected automatically when using the Service, including IP address, browser type, device information, pages visited, time and date of visits, and diagnostic data.

You

The individual or legal entity accessing or using the Service.

2. Collection of personal information

Overview

We collect personal information that is reasonably necessary for our business activities, including:

• Full name, email address and phone number
• Residential, business or registered address
• Business details, including NZBN and trading history
• Director, owner or authorised representative details
• Financial information relevant to a funding assessment
• Identification and verification information
• Information submitted through enquiries, applications or correspondence

Automatically collected information

When you use our Service, we may automatically collect Usage Data, including your IP address, browser and device type, pages visited, time spent on pages and referring URLs.

3. How we use personal information

We collect and use personal information for purposes including:

• Assessing and processing funding enquiries and applications
• Providing and administering our business lending services
• Verifying identity and conducting compliance checks
• Communicating with you about your enquiry, application or account
• Managing customer relationships and support enquiries
• Improving our services, systems and website performance
• Sending marketing or promotional communications where permitted or consented to
• Complying with legal, regulatory and reporting obligations

4. Disclosure of personal information

We may disclose personal information to service providers supporting IT, data storage, analytics, communications, identity verification, legal and compliance functions; professional advisers such as lawyers, accountants and auditors; related entities; business partners supporting our services; and regulators, courts or law enforcement agencies where required or permitted by law.

Data protection

We take reasonable steps to ensure that third parties handle personal information securely and in accordance with applicable New Zealand privacy requirements.

5. Overseas disclosure

Some of our service providers or related entities may be located outside New Zealand. Where personal information is disclosed overseas, we take reasonable steps to ensure the recipient provides safeguards that are comparable to those required under New Zealand privacy law, or that the disclosure is otherwise permitted by law.

6. Cookies and tracking technologies

Use of cookies

We use cookies and similar technologies to operate and improve our website, analyse usage and support the functionality of our Service.

Cookie management

You may adjust your browser settings to refuse cookies. Doing so may affect some website functionality.

7. Security of personal information

We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification or disclosure. These steps include administrative, technical and physical safeguards appropriate to the information and the risks involved.

No system is completely secure, so we cannot guarantee absolute security.

8. Retention of personal information

We retain personal information only for as long as necessary to fulfil the purposes for which it was collected, or as required by law, regulation or legitimate business needs. When information is no longer required, we take reasonable steps to securely delete or de-identify it.

9. Access and correction

You may request access to, or correction of, personal information we hold about you by contacting us using the details below. We may need to verify your identity before responding. In some circumstances, access may be refused as permitted by law, and we will explain the reason where appropriate.

10. Complaints

If you believe we have breached your privacy rights, please contact us first so we can investigate and respond within a reasonable timeframe.

If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner of New Zealand at www.privacy.org.nz.

11. Privacy breaches

If we become aware of a privacy breach that has caused, or is likely to cause, serious harm, we will assess and notify the Privacy Commissioner and affected individuals where required under the Privacy Act 2020.

12. Children's privacy

Our services are intended for businesses and are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children.

13. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be published on our website with a revised “Last updated” date.

14. Contact us

If you have questions about this Privacy Policy or how we handle personal information, contact us: