Privacy Policy

1. About this policy

1 Stop Motors Limited (“1 Stop Motors”, “we”, “us”, “our”) respects your privacy and is committed to protecting your personal information. This policy explains what personal information we collect, how we collect it, why we collect it, who we share it with, how we keep it safe, and the rights you have.

1 Stop Motors sells motor vehicles and helps customers arrange finance by submitting finance applications to third-party finance providers.

We handle personal information in accordance with the Privacy Act 2020 and its Information Privacy Principles. Where we handle credit-related information, we also comply with the Credit Reporting Privacy Code 2004.

This policy applies to personal information we collect through our website, our finance application process, our vehicle sales process, and any other dealings you have with us. Please read it so you understand how we handle your personal information.

You can contact us about privacy at any time. You can also ask for our Privacy Officer:

• Email: sales@1stopmotors.co.nz
• Phone: 0800 22 00 18
• Address: 42 Queen Street, Otahuhu, Auckland 1062

2. What personal information is

Personal information is information about an identifiable individual. This includes obvious things like your name and contact details, and also information such as your financial details, identification documents, and information about your dealings with us.

3. The personal information we collect

Depending on how you deal with us, we may collect the following:

• Identity information: your full name, date of birth, driver licence (front and back), and other identification documents.
• Contact information: your phone number, email address, and residential and postal address.
• Household information: your relationship status and the number of dependants in your household.
• Employment and income information: your employer, occupation, length of employment, income, and the source of your income (for example wages, self-employment, or government support).
• Financial information: your expenses, bank account and transaction history, bank statements, deposit amount, and any trade-in details.
• Creditworthiness information: your credit history and information contained in credit reports.
• Transaction information: the vehicle you are interested in or purchase, your finance application, and the finance provider you are matched with.
• Website and technical information: information needed to serve and secure our website, such as your IP address, device and browser type. Optional analytics and advertising technologies and your choices are explained in section 11.
• Marketing information: your preferences for receiving marketing from us, and how you heard about us.

We collect only the personal information we reasonably need for the purposes set out in this policy.

4. How we collect personal information

We collect personal information in a number of ways:

• Directly from you: when you complete a form on our website, submit a finance application, upload documents, contact us by phone or email, visit us in person, or otherwise deal with us.
• From third parties: where relevant and where the law allows, we may collect information about you from credit reporting agencies, finance providers, insurers, your referees or employer (where you authorise it), and publicly available sources.
• Automatically: technical information when your browser requests website content or uses connected features. Optional analytics and advertising collection is described separately in section 11.

Where it is reasonable and practical, we collect personal information directly from you. If you choose not to provide certain information, we may not be able to process your finance application, arrange your vehicle purchase, or provide some of our services.

5. Why we collect and use personal information

We collect, hold and use your personal information to:

• prepare, submit and administer finance applications to third-party finance providers on your behalf, and provide your information to those providers so they can assess your creditworthiness and whether finance is suitable and affordable for you;
• arrange and administer your vehicle purchase and any trade-in;
• verify your identity, including to meet our legal obligations;
• send an SMS confirmation code to the mobile number supplied for your finance application, to verify access to that number and enable you to continue the application; this purpose is separate from marketing, and submitting an application does not opt you in to marketing texts;
• communicate with you about your enquiry, application or purchase;
• manage our relationship with you, including assisting a finance provider with your account as their agent where applicable;
• improve our website, products and services;
• comply with our legal and regulatory obligations; and
• send you marketing about our products and services, where you have consented or it is otherwise permitted.

6. Who we share your personal information with

If you use address suggestions, the address text you type is sent to Google Maps to find matching New Zealand addresses. You can also enter your full address manually. Google processes these requests under the Google Privacy Policy. We do not send your other application fields or documents to Google for address lookup.

We may disclose your personal information to:

• Finance providers, for the purpose of arranging your finance;
• Insurers, where you choose to arrange insurance;
• Credit reporting agencies, for credit checks and credit reporting;
• Debt collection agencies, where finance proceeds and amounts are owed;
• Our service providers, such as IT, hosting, payment and administrative providers who help us run our business, who are required to protect your information;
• Government, regulatory and law-enforcement bodies, where required or permitted by law; and
• Our professional advisers, such as lawyers and accountants, where reasonably necessary.

We disclose only the personal information that is reasonably necessary for the relevant purpose. 1 Stop Motors does not sell the personal information you provide directly to us. Section 11 explains the separate purposes, information handling and recipients associated with optional analytics and advertising technologies.

7. Credit information and credit reporting

When you apply for finance, we and the finance providers we deal with may make inquiries about you with credit reporting agencies. These inquiries may be recorded on your credit file and accessed by other credit providers when you apply for credit. Your repayment history and any defaults may be reported to credit reporting agencies. We handle credit information in accordance with the Credit Reporting Privacy Code 2004.

8. Storing and protecting your information

We take reasonable steps to keep your personal information safe from loss, misuse, and unauthorised access, modification or disclosure. This includes physical, electronic and procedural safeguards, and engaging service providers who are required to protect the information we share with them.

When you apply for finance, your finance application information and loan information are held by the relevant finance provider on their own systems, and are subject to that provider's privacy policy.

No method of storage or transmission is completely secure, but we work to protect your personal information and to respond appropriately if a privacy issue arises.

9. How long we keep your information

We keep your personal information only for as long as we need it for the purposes set out in this policy, or for as long as the law requires us to keep it. When we no longer need it, we take reasonable steps to securely destroy or de-identify it.

10. Accessing and correcting your information

You have the right to ask us for a copy of the personal information we hold about you, and to ask us to correct it if it is wrong or out of date. To make a request, contact us at sales@1stopmotors.co.nz. We may need to verify your identity before we provide access. In most cases access is free, and we will respond within the timeframes required by the Privacy Act 2020. If we decline a request, we will explain why.

12. Marketing and your choices

We may send you marketing about our products and services where you have consented or where it is otherwise permitted. Every marketing message includes a way to opt out, and you can also opt out at any time by contacting us. Opting out of marketing will not affect any finance application or purchase that is already underway.

13. Third-party websites

Our website may link to third-party websites, including the websites of finance providers. This policy does not apply to those websites. We encourage you to read the privacy policy of any third-party website you visit.

14. Children's privacy

Our services are intended for people aged 18 and over. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us and we will take appropriate steps.

15. Complaints

If you have a concern or complaint about how we have handled your personal information, please contact us first at sales@1stopmotors.co.nz or 0800 22 00 18, and we will work with you to resolve it.

16. Changes to this policy

We may update this policy from time to time to reflect changes in our practices or the law. The current version is always available on our website, with its effective date shown at the top. We encourage you to review this policy from time to time.

17. Contact us