Quadrent Group Privacy Policy

The Quadrent Group respects the privacy of the people we deal with and we uphold high standards of privacy practice and security. This policy explains how we handle personal information and how we interact with you online.

Whenever we handle personal information, we take steps to ensure that appropriate standards of privacy practice and security are applied.

The Quadrent Group Privacy Policy sets out why we need to collect personal information, how we collect it, what we do with it, how it’s stored and who we might share it with. The Policy also describes how you can access or correct information we hold about you, how you can ask further questions or make a complaint, and information about our websites and online activities.

 

The information we collect

For most products and services that we provide to our corporate and business customers it is necessary for us to collect ‘personal information’ from individuals associated with such a customer or prospective customer entity such as an individual’s name, identity details, photos, contact details and transacting authority. We may also need to collect other personal details (such as gender, marital status and financial information) and other information from which such an individual can be identified.

 

Credit information

Our Credit Information Policy sets out details of our handling of personal credit information obtained from credit reporting bodies as part of a credit application process. This applies only to information provided by an individual in circumstances where such an individual is personally guaranteeing a lease facility for an applicant.

 

Why we collect personal information

We collect personal information about you which is reasonably necessary to:

  • To provide products and services to the corporate business customer to whom you are linked.
  • Consider applications and approaches from a corporate business customer to whom you are linked including credit applications.
  • maintain your contact details.
  • fulfil our legal obligations, such as those relating to anti-money laundering and counter-terrorism financing or as otherwise authorised by you.

Without such information, we may not be able to establish or maintain a customer relationship with corporate business customer to whom you are linked.

 

How we collect your information

We collect personal information about you directly from you — this can be in person, in documents you give us, from telephone calls, emails, your access to our website. We take reasonable steps to be transparent about how and why we collect personal data.

We may also collect your personal information from third parties including public sources, your adviser(s), agents, introducers, referrers, brokers, our related companies and service providers (including credit reporting bodies and information service providers).

 

How we store your information

We keep personal information in physical and electronic records, at our premises and the premises of our service providers, which may include processing or storage in the cloud, which may mean in practice that this information is stored outside Australia and New Zealand. Where this occurs, we take steps to protect the security and integrity of personal information.

We also keep records of our interactions with you (including by telephone, email and online) and of the transaction history of the organisation linked to you who has a customer relationship with us.

 

How we use your information

We use personal information about you for the purpose for which it was provided to us, including to:

  • Establishment of facility arrangements with the corporate business organisation linked to you who has or is seeking to establish a customer relationship with us.
  • Administer and manage our products and services (including monitoring, auditing, and evaluating those products and services).
  • Compliance with and fulfilment of legal obligations imposed by law.
  • Communicate with you and deal with or investigate any complaints or enquiries.

 

When your information is disclosed

Subject in all cases to local law, we may share personal information within the Quadrent Group, and may disclose personal information outside the Quadrent Group:

  • as required by law or regulations, such as those relating to anti-money laundering and counter-terrorism financing or as required by a regulator.
  • to our service providers, who provide services in connection with our products and services (including auditing, accounting, legal, data processing, data analysis, identity verification, brokerage, financing and securitisation, website and technology services).
  • to our affiliates.

 

Keeping information accurate and up to date

We take reasonable steps to ensure that all information we hold is as accurate as possible. You are able to contact us at any time and ask for its correction if you feel the information we have about you is inaccurate or incomplete.

 

Keeping information secure

We use security procedures and technology to protect the information we hold. Access to and use of personal information within Quadrent Group seeks to prevent misuse or unlawful disclosure of the information — this includes internal policies, auditing, training and monitoring of staff.

If other organisations provide support services, we require them to take appropriate technical and organisational measures to secure the privacy of the information provided to them.

 

How you can access or correct your information

You can contact us to request access to or correction of your personal information. In normal circumstances we will give you full access or make the requested corrections to your information. However, there may be some legal or administrative reasons to deny these requests. If your request is denied, we will provide you with the reason why (if we can). Where we decide not to make a requested correction to your personal information and you disagree, you may ask us to make a note of your requested correction with the information.

 

Dealing with Quadrent Group online

When you visit Quadrent websites you will generally browse anonymously unless you have logged into a client portal or accessed the website from a personalised communication from Quadrent.

For all visitors to our website, we use cookies and other web browser technologies to collect information such as the server your computer is logged on to, your browser type (for example, Internet Explorer, Chrome or Firefox), and your IP address. (An IP address is a number that is assigned to your computer automatically and required for using the Internet). We may also derive the location associated with an IP address.

 

Once you have logged into a Quadrent portal, accessed our website from an e-mail or other personalised communication sent to you, or provided us with personal information by completing a form online, we may be able to identify you and we may combine that with other information in order to provide you with a better online experience.

If you would prefer not to be identified you can delete the cookies and reconfigure the cookie preferences on your internet browser (see below) or you can opt out of any communication with ourselves.

The following third party providers are used on our websites:

HubSpot

We use a third-party provider, Hubspot, to deliver our marketing emails and manage certain sections of our website. We gather statistics around email opening and clicks, website visit data and form completions using industry standard techniques to help us monitor and improve our marketing documentation. For more information, please see Hubspot’s privacy policy.

You can change your marketing preferences or unsubscribe to general mailings at any time by clicking the links at the bottom of our emails or by emailing us at privacy@quadrent.co.nz

WordPress

We use a third-party service, WordPress.com, to publish our webpages and blog posts. We use a standard WordPress service to collect anonymous information about users’ activity on the site, for example, the number of users viewing pages on the site, to monitor and report on the effectiveness of the site and help us improve it. WordPress requires visitors that want to post a comment to enter a name and email address. For more information about how WordPress processes data, please see WordPress’s privacy policy.

Cookies

Our website, along with most other major websites, uses cookies to collect information. This includes information about browsing behaviour by people who access our website, pages viewed and the customer journey around our website. Cookies cannot look into your computer and obtain information or read any material kept on your hard drive.

More detailed information about the cookies we use is set out in below.

Cookies

Like many other websites, Quadrent  use cookies on our site. Cookies are small data files which are placed on your computer or other devices (such as smart ‘phones’ or ‘tablets’) as you browse this website. They are used to ‘remember’ when your computer or device accesses our website and can help us to personalise your visit. A cookie will typically contain the name of the domain from which the cookie has come, the ‘lifetime’ of the cookie, and a value, usually a randomly generated unique number. Two types of cookies are used on this website:

Session cookies

These are temporary cookies that remain in the cookie file of your browser until you leave the site. This information is not stored after you have left the site.

Persistent cookies

These remain in the cookie file of your browser for much longer (though how long will depend on the lifetime of the specific cookie but this may be indefinitely or until deleted).

Controlling and deleting cookies

Quadrent do not use cookies to collect or record personally identifiable information about you. However, if you wish to restrict or block the cookies which are set by the Quadrent website, or indeed any other website, you can do this through your browser settings. The facilities within your web browser to allow you to do this will vary from browser to browser but they may be found in the ‘Privacy’ or ‘Cookies’ section of the ‘Properties’ menu within your browser. If you require assistance in disabling cookies you should refer to the ‘help’ menu within your browser.

Please be aware that restricting cookies may cause a website to work incorrectly.

List of Quadrent website cookies

cookie_check

used to hide the cookie alert message once dismissed. This cookie is stored for 30 days.

aspsessionid

Generated by the web server. ASP sends a different ASPSessionID cookie for each and every .asp file that is requested until Session state is triggered. Session state is triggered once something is stored in a Session variable (a scalar variable or an object instance), or the Session_OnStart event is fired in the application’s Global.asa file, the SessionID is fixed for that user until the Session times out or is abandoned. The cookie holds absolutely no sensitive or personal information about you or your computer.

_utma

_utmz

Used by Google Analytics. See below for information about third party cookies.

Third party cookies

Google Analytics

The Quadrent website uses Google Analytics, a web analytics service provided by Google, Inc. Google Analytics sets a cookie in order to evaluate your use of the Quadrent website.

This analytical tool uses cookies to collect standard internet log information and visitor behaviour information in an anonymous form. The information generated by the cookie about your use of the website (including your IP address) is transmitted to Google. This information is then used to evaluate visitors’ use of the website and to compile statistical reports on website activity for Quadrent.

Quadrent will not (and will not allow any third party to) use the statistical analytics tool to track or to collect any personally identifiable information of visitors to our site. We will not associate any data gathered from this site with any personally identifying information from any source as part of our use of the Google statistical analytics tool. Google will not associate your IP address with any other data held by Google. Neither Quadrent nor Google will link, or seek to link, an IP address with the identity of a computer user.

By consenting to cookies on the Quadrent website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

For more information on the cookies set by Google Analytics please see Google’s privacy policy. To opt out of being tracked by Google Analytics across all websites please go to Google’s opt out page.

HubSpot

The Quadrent website uses HubSpot, a customer relationship management service provided by HubSpot, Inc. HubSpot sets cookies in relation to the cookies consent banner, chat widget and other functional cookies on the Quadrent website.

For more information on the cookies set by HubSpot, please see this HubSpot post on cookies and also the HubSpot privacy policy.

 

Contact us

If you have any questions or complaints regarding privacy or information handling, please write to privacy@Quadrent.co.nz or contact us by phone. Please mark communications to the attention of our Privacy Officer. We will respond to let you know who will be handling your matter and when you can expect a further response.

 

If your concerns are not resolved to your satisfaction, you can escalate your complaint to the appropriate regulatory authority:

New Zealand:   https://www.privacy.org.nz/your-rights/making-a-complaint/ (

Australia:  https://www.oaic.gov.au/privacy/privacy-complaints/

 

 

Policy updated May 2020

 

Appendix — Disclosure to other countries

Personal information may be disclosed to entities and third parties whilst conducting ordinary business activities in  jurisdictions outside of Australia and New Zealand. These third parties may be subject to confidentiality or privacy obligations in relation to personal information that is not ‘credit eligibility information’ (certain personal information from (or based on information from) credit reporting bodies) they may not always follow the particular requirements of Australian or New Zealand privacy law

 

SCHEDULE

 

Credit Information Policy

This policy applies in addition to our Privacy Policy and sets out details of our handling of personal information obtained from credit reporting bodies and certain other credit-related personal information described below. This applies in Australia and New Zealand and in relation to guarantee arrangements for commercial credit. It does not apply to our handling of commercial credit information for purposes unrelated to consumer credit.

 

The information we collect and hold

The types of credit-related personal information (“credit-related information”) we collect may include:

  • permitted identification information such as names, date of birth, sex, 3 most recent addresses, employer and driver’s licence number;
  • the fact that any consumer or commercial credit has been applied for and the amount and type of credit;
  • details of your current and previous credit providers;
  • credit limits and certain terms and conditions relating to credit arrangements;
  • start/end dates of particular credit arrangements;
  • records of previous requests made by credit providers to credit reporting bodies for information about you in connection with consumer or commercial credit applications, guarantees and securitisation arrangements;
  • repayment history;
  • ‘default information’ (in addition to and without limiting repayment history information), i.e. payments overdue for more than 60 days in specified circumstances;
  • in relation to those overdue payments, advice about new payment arrangements or that those payments are no longer overdue;
  • information about adverse court judgments, personal insolvency records and publicly-available information related to your credit worthiness;
  • in specified circumstances that, in the opinion of Quadrent or another credit provider, there has been a serious credit infringement (e.g. fraud);
  • information derived by credit reporting bodies from the above information (e.g. credit scores, ratings and assessments); and
  • information we derive from the above information (e.g. our own credit scores, ratings and assessments).
  • This information may include information about your arrangements with other credit providers as well as with us.

 

We keep credit-related information in physical and electronic records, both at our own premises and with the assistance of our service providers.

We collect this information from you, your account activity and from third parties including public sources, our related companies, referrers, brokers, agents, your adviser(s) and our service providers including credit reporting bodies and information service providers.

 

Purposes for handling that information

We collect, hold, use and disclose credit-related information to assess an application by you to be a guarantor; communicate with you; work with our service providers, funders (including those providing securitisation services) and related companies; and deal with any complaints or enquiries.

Credit reporting bodies may use credit-related information to maintain information about individuals and provide that information to credit providers for their credit assessments. We may also report to a credit reporting body where an individual fails to meet their obligations in relation to a guarantee.

 

How you can access or correct your information

You can contact us as set out below to request access to or correction of your credit-related information. In normal circumstances we will give you full access or make the requested corrections to your information. However, there may be some legal or administrative reasons to deny these requests. If your request is denied, we will provide you with the reason why. Where we decide not to make a requested correction to your credit-related information and you disagree, you may ask us to make a note of your requested correction with the information.

 

Credit reporting bodies

We may exchange credit-related information with the following credit reporting bodies:

Equifax:              https://www.equifax.co.nz/

                             https://www.equifax.com.au/

Centrix               https://www.centrix.co.nz/

You can contact those credit reporting bodies or visit their websites to see their policies on the management of credit-related information, including details of how to access your credit-related information they hold.

 

Contact us

If you have any questions regarding this policy or our handling of credit-related information, please direct your enquiry to privacy@Quadrent.com or contact us by phone. Please mark communications to the attention of our Privacy Officer. Where you contact us seeking resolution of your privacy concerns, we will respond to let you know who will be handling your matter and when you can expect a further response. If your concerns are not resolved to your satisfaction you can escalate your complaint to the appropriate regulatory authority:

New Zealand:   https://www.privacy.org.nz/your-rights/making-a-complaint/ (

Australia:  https://www.oaic.gov.au/privacy/privacy-complaints/