Last updated: 29 April 2026

About this Policy

Movogo Holdings Limited ("Movogo", "we", "us", "our"), together with its subsidiaries and related companies from time to time (the "Movogo Group"), is committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 2020, the Credit Reporting Privacy Code 2020, and the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 (the "AML/CFT Act").

This Policy explains how the Movogo Group collects, uses, stores and discloses your personal information when you:

• visit movogo.co.nz or any other website operated by a company in the Movogo Group
• contact us with an enquiry by phone, email, web form or social media
• subscribe to our communications
• engage with us as a customer, supplier, referrer or partner
• request a quote, indicative offer or product information from us
• apply (or have previously applied) for any product or service offered by the Movogo Group, including finance, refinance, insurance and other related products and services

If you submit a finance or credit-related application, the Privacy Waiver in Section B below applies in addition to this Policy.

By using our website, contacting us, or providing us with your personal information, you confirm that you have read and understood this Policy.

Section A: Privacy Policy

1. Information we collect

General website use and enquiries

• contact details (name, email, phone number, address)
• the content of any enquiry, message or correspondence you send us
• vehicle, asset or property information you provide for the purpose of obtaining a quote or information
• technical information (IP address, browser type, device type, pages visited, referring URLs, time stamps)
• cookie and analytics data
  

Customers, applicants and quote requests

• identity information (date of birth, driver licence, passport, other government-issued ID)
• financial information (income, expenses, assets, liabilities, employment, bank statements)
• vehicle, property or asset information (registration plate, VIN, make, model, valuation and any related security or ownership details)
• credit history and credit reporting information
• AML/CFT verification information
• insurance-related information (where you request or take up an insurance product distributed by the Movogo Group)
• transaction, account and repayment information

We will only collect personal information that is reasonably necessary for the purposes set out in this Policy.

2. How we collect personal information

We collect personal information:

• directly from you (for example, when you submit a form, send an email, call us, request a quote, or apply for a product)
• automatically when you use our website (cookies, server logs and analytics)
• from third parties, including credit reporting agencies, government agencies and registers, vehicle and asset databases (such as the New Zealand Transport Agency, Motor Vehicle Register and PPSR), insurers, finance providers, employers, banks, brokers, referrers and publicly available sources

We may look up vehicle and asset information with government agencies and other third-party databases (for example, NZTA, the Motor Vehicle Register and the PPSR) in order to provide a quote, validate eligibility, deliver services, or protect a security. This may occur at the enquiry, quote or application stage.

Where it is reasonable and practicable, we will collect personal information directly from you.

3. How we use personal information

We use personal information to:

• respond to your enquiries and provide the information, quotes or services you have requested
• assess applications for finance and other products
• verify your identity and the accuracy of the information you have provided
• carry out credit, AML/CFT and fraud prevention checks (where applicable)
• arrange, distribute or refer insurance and other products on your behalf
• manage and administer customer accounts and any security
• contact you in connection with your enquiry, application, quote, account, or any product or service we provide, including by phone, SMS, email or post, using the contact details you have given us or that we have lawfully collected from third parties as part of the application, verification or ongoing account management process
• send you marketing communications (where you have opted in or where permitted by law). You can unsubscribe at any time
• improve our website, products and services
• comply with our legal and regulatory obligations

4. Who we share personal information with

Depending on the purpose for which information was collected, we may share your personal information with:

• other companies in the Movogo Group
• finance providers and lenders, where an application is referred to them for assessment
• insurers and insurance product providers, where you request or take up an insurance product distributed by the Movogo Group
• credit reporting agencies (for example, Centrix, Equifax and illion)
• the Ministry of Justice, the New Zealand Transport Agency, the Motor Vehicle Register, the PPSR and other government agencies and registers
• AML/CFT verification providers
• our service providers (IT, hosting, payments, communications, analytics, marketing and customer support)
• our professional advisers (lawyers, accountants, auditors)
• regulators, law enforcement agencies and courts, where required or permitted by law
• any party in connection with a sale, transfer or restructure of any part of the Movogo Group's business

We do not sell your personal information.

5. Overseas storage and disclosure

Some of our service providers (for example, cloud hosting, email and analytics providers) are located outside New Zealand, or may store information outside New Zealand, including in Australia, the United States and the European Union. By providing your personal information to us, you consent to that information being held and processed overseas. Where personal information is transferred overseas, we take reasonable steps to ensure it is protected by safeguards comparable to those in New Zealand.

6. Cookies, tracking and digital marketing

Our website and emails use cookies, pixels, tags and similar technologies (together, "tracking technologies") to operate the site, remember your preferences, measure how the site is used, and deliver and measure marketing.

The tracking technologies we use fall into the following categories:

• Strictly necessary: required for the site to function (for example, security, load balancing, remembering form input).
• Functional: remember your preferences and settings to improve your experience.
• Analytics and performance: help us understand how visitors use the site so we can improve it (for example, which pages are visited, how long people stay, where they drop off).
• Advertising and marketing: used by us and our advertising partners to deliver relevant advertising to you on our website and on third-party platforms (including search engines and social media), measure the performance of those campaigns, and tailor what you see based on your activity.

Custom audiences and matched marketing

We may share limited personal information you have provided to us (such as a hashed, one-way encrypted version of your email address or phone number) with advertising and marketing platforms in order to:

• show our ads to you on those platforms
• suppress our ads from existing customers, or show them different content
• build "lookalike" audiences of people whose profile matches our customer base
• measure the performance of our marketing

Where we do this, the platform receives information in a hashed form and is not permitted to use it for its own purposes.

Cross-device tracking

Some of the tracking technologies we use can recognise the same person across different devices (for example, your phone and your laptop) where you have logged in to a connected service or where the platform's own technology can match the activity.

Your choices

You can manage tracking technologies in several ways:

• Browser settings: most browsers let you block, accept or delete cookies. You can also use private browsing or "do not track" modes.
• Ad platform settings: most major search and social media platforms (such as Google, Meta, TikTok and LinkedIn) offer opt-out and personalisation controls within their account settings.
• Industry opt-outs: visit youronlinechoices.com.au or aboutads.info to opt out of behavioural advertising from many advertising networks.
• Marketing emails and SMS: use the unsubscribe link in any email, reply STOP to any text, or contact our Privacy Officer.

Disabling certain tracking technologies may mean parts of the site do not work as intended.

Third-party websites

Our site may link to third-party websites. Their tracking and privacy practices are governed by their own policies, not ours.

7. Storage and security

We hold personal information in secure systems (electronic and, where relevant, physical) and take reasonable steps to protect it from loss, misuse, unauthorised access, modification or disclosure. We retain personal information only for as long as necessary for the purposes for which it was collected, or as required by law.

8. Your rights

You have the right to:

• ask whether we hold personal information about you
• request access to that information
• request correction of any information that is wrong
• withdraw any consent you have given (subject to legal or contractual exceptions)
• make a complaint about how we have handled your information

To exercise any of these rights, please contact our Privacy Officer (see Section C). If you are not satisfied with our response, you can contact the Office of the Privacy Commissioner at privacy.org.nz or 0800 803 909.

9. Marketing communications

Where you have opted in to marketing, or where it is permitted by law, we may send you communications about products, services, offers or updates from the Movogo Group. You can unsubscribe at any time using the link in any marketing email, or by contacting us.

10. Children

Our products and services are intended for adults. We do not knowingly collect personal information from anyone under 18. If you believe we have inadvertently collected information from a child, please contact us so we can delete it.

11. Changes to this Policy

We may update this Policy from time to time. The current version will always be available at movogo.co.nz. The "Last updated" date at the top of this Policy tells you when it was most recently changed. Continued use of our website or services after a change is published means you accept the updated Policy.

Section B: Privacy Waiver (Finance and Credit Applications)

This Privacy Waiver applies when you submit an application for finance, refinance or any other credit-related product through any company in the Movogo Group. It is in addition to, and should be read together with, the Privacy Policy in Section A.

The Movogo Group includes companies that provide finance directly to customers as the finance provider, and (in some cases) brokers and intermediaries that refer applications to a finance provider. When you submit an application, it may be:

• received and assessed by a Movogo Group company as the finance provider; or
• referred to a Movogo Group finance provider by a related broker or intermediary; or
• where we are unable to provide finance ourselves, referred (with your consent) to one or more third-party finance companies (each a "Finance Provider") for assessment.

You have the right to know who is collecting information about you, and to access and correct it if it is wrong. You may request the full details of every organisation or person to whom we have disclosed information about you.

You consent to the Movogo Group, and to any Finance Provider to whom your application is referred, collecting, using and disclosing your personal information within New Zealand or Australia for the purposes set out below.

1. Verification of information

Verifying any information that you give to us (or that is collected from other sources) with third parties and third-party databases, including government agencies (for example, the New Zealand Transport Agency, Motor Vehicle Register, PPSR and Ministry of Justice), your employer, any bank or other financial institution you have or have had credit or a mortgage with, local authorities, your landlord, any property manager or real estate agency (including any solicitor acting for one of these parties), and related companies of the Movogo Group or a Finance Provider, in order to:

• verify your identity now or in the future
• verify the information in this or any subsequent application
• consider your financial position
• consider whether any proposed security has money owing in relation to it
• register security interests
• protect any security taken
• enforce rights if a default occurs

Information collected for the purposes set out above may also be used by the Movogo Group, and by any Finance Provider, to contact you in connection with your application, any resulting account, or any default, using any of the contact details we hold for you (whether provided by you or collected from third parties).

2. Credit checks and credit reporting

Carrying out credit checks on you with credit reporting agencies for the purpose of:

• assessing your application for finance
• making a credit decision now or in the future
• ongoing account review (where applicable)
• debt collection
• complying with the AML/CFT Act

This will require the Movogo Group and/or any Finance Provider to give your information to credit reporting agencies, and for those agencies to provide information about you to the Movogo Group and the relevant Finance Provider.

You acknowledge and agree that:

• where your application is referred to more than one Finance Provider, more than one credit report may be obtained in connection with your application, and
• each Finance Provider may independently assess your application and conduct its own credit and verification checks.

The Movogo Group, or a Finance Provider, may disclose your positive credit information (including repayment history information) and any defaults to credit reporting agencies. Information disclosed to credit reporting agencies may be listed on their systems, used by them to provide credit reporting services, and supplied to their customers who use those services to make credit decisions about you, for debt collection, or for any other lawful purpose.

3. Ministry of Justice checks

Checking the Ministry of Justice fines database for any overdue fines you may have. This may require your information to be disclosed to the Ministry of Justice, or to a credit reporting agency conducting the check on our behalf.

4. AML/CFT and fraud prevention

Verifying any information that you give to us (or that is collected from other sources) with third parties and third-party databases for the purposes of fraud prevention and compliance with the AML/CFT Act. Where you have voluntarily provided your driver licence information, that information may also be disclosed to credit reporting agencies, the New Zealand Transport Agency and the Ministry of Justice as part of the checks undertaken.

5. Disclosure to related companies and product partners

Sharing information with related companies in the Movogo Group, or with related companies of a Finance Provider, for the purposes of conducting business operations and/or in connection with services or products that may be offered to you. This may include sharing your information with insurers or other product partners where you request, or take up, an insurance or related product distributed by the Movogo Group in connection with your finance.

6. Authority and duration

You authorise any third party to provide your personal information to the Movogo Group and/or any Finance Provider for any of the purposes set out in this Privacy Waiver. You authorise those parties to hold and disclose such information for the purposes set out above.

This authority applies whether or not your application proceeds, and remains valid for the purpose of assessing this application and any future application made by you through any company in the Movogo Group.

Section C: Contact and Privacy Officer

If you have any questions about this Policy, want to exercise your rights, or wish to make a complaint, please contact our Privacy Officer:

Email: privacy@movogo.co.nz

Post: Privacy Officer, Movogo Holdings Limited, PO Box 90277, Victoria Street West, Auckland 1142

Website: movogo.co.nz

If you are not satisfied with our response, you can contact the Office of the Privacy Commissioner:

Website: privacy.org.nz

Phone: 0800 803 909

Movogo Holdings Limited (NZBN 9429052943768), and its subsidiaries and related companies from time to time.