Overview

Metro Finance Limited (Metro Finance) is committed to protecting the privacy of personal information in accordance with the Privacy Act 2020. 

This privacy statement sets out how we collect, use, store and disclose your personal information in the course of providing our financial products and services to you. Personal Information is information about you as an individual.

This Policy was last updated on 02 September 2026.

Scope

This Privacy Statement applies to all personal information collected or held by Metro Finance in relation to borrowers, guarantors, applicants, mortgage advisers and introducers, suppliers, employees and contractors.

Collection of personal information.

Metro Finance collects personal information that is reasonably necessary to conduct its business activities. This may include identity and contact details, financial, income and credit information, employment and business details, loan application and security information, and information required under AML/CFT legislation. 

Personal information may be collected directly from individuals, through mortgage or finance advisers and intermediaries, or from publicly available registers where permitted. We may also collect personal information from third parties, including credit reporting agencies, Waka Kotahi NZ Transport Agency (NZTA), the Ministry of Justice, employers, accountants, lawyers, motor vehicle dealers, insurance companies and other government departments, where authorized or permitted by law or where otherwise appropriate.

Use of personal Information

We may collect, use, and disclose personal information for purposes including:

• assessing applications for credit and creditworthiness;
• providing and managing credit facilities;
• administering and enforcing agreements;
• maintaining internal and external credit records;
• verifying vehicle ownership and identity information;
• conducting regulatory, compliance and fraud-prevention checks; and
• marketing goods and services offered by Metro Finance, where permitted by law.

DISCLOSURE OF PERSONAL INFORMATION

Metro Finance may disclose personal information where reasonably necessary to credit reporting agencies, identity verification providers, professional advisers, trustees, funders, insurers, regulators, dispute resolution schemes and service providers.

Personal information will only be disclosed where authorised by the individual, reasonably necessary to provide our products or services, or otherwise permitted or required by law.

The credit reporting agencies we may use include Equifax New Zealand, Baycorp and Experian (trading as Illion). We may also use MotorWeb to obtain personal information, such as vehicle registration and/or driver licence details, for the purpose of conducting checks through NZTA.

New Zealand Transport Agency

From time to time, we may obtain information from NZTA about registered owners’ names and addresses, as well as vehicle information and history, to verify ownership details.

Metro Finance Limited holds authorisation from Waka Kotahi New Zealand Transport Agency to access names and addresses of individuals from the Motor Vehicle Register, pursuant to section 241(1) of the Land Transport Act 1998. Our access is granted in accordance with the gazette notice which can be found here.

You may notify NZTA if you do not want your name and address to be made available under an authorisation. For further information, please refer to the relevant NZTA information and notification process here.

STORAGE, SECURITY AND RETENTION 

Metro Finance takes reasonable steps to safeguard personal information against loss, misuse, unauthorised access, modification or disclosure. Personal information is stored securely with access restricted to authorised personnel.  Personal Information is retained only for as long as required for business, legal and regulatory purposes. 

ACCESS, CORRECTION AND COMPLAINTS 

Individuals have the right to request access to, and correction of personal information held by Metro Finance. 

Requests for access and privacy-related complaints should be made in writing to (office@metrofinance.co.nz). Requests and complaints will be handled in accordance with the Privacy Act 2020 and Metro Finance’s complaints handling procedures.

If an individual is not satisfied with Metro Finance’s response, they may complain to the Office of the Privacy Commissioner at www.privacy.org.nz.

PRIVACY BREACHES 

Metro Finance maintains procedures to identify, manage and respond to privacy breaches. 

Where a privacy breach has caused, or is likely to cause, serious harm, Metro Finance will notify the Office of the Privacy Commissioner and affected individuals in accordance with the Privacy Act 2020 and applicable notification requirements.