STALLION FINANCE LIMITED
PRIVACY POLICY & TERMS and CONDITIONS
Last Updated: 12 November 2026
1. Introduction
Stallion Finance Limited ("Stallion Finance", "we", "us" or "our") is committed to protecting the privacy and confidentiality of our customers' personal and financial information.
We collect, use, store and disclose personal information in accordance with the Privacy Act 2020, applicable New Zealand privacy requirements and this Privacy Policy.
Stallion Finance assists customers with asset finance enquiries and applications, including vehicle finance, commercial vehicle finance, equipment and machinery finance, and eligible asset refinancing.
We facilitate finance applications through participating lending providers. All lending decisions, including approval, interest rates, loan terms and conditions, are made by the relevant lender. Stallion Finance does not provide regulated financial advice.
This Privacy Policy explains how we handle personal information when you visit our website, contact our team, complete an enquiry or submit a finance application.
2. Personal Information We Collect
To assist with finance enquiries and applications, we may collect personal and financial information, including:
Full name, date of birth and contact details.
Residential address and previous address history.
Identification documents and verification information.
Employment, occupation and income details.
Financial commitments, expenses, assets and liabilities.
Banking information and supporting financial statements.
Credit history and credit-related information, where lawfully obtained.
Details of vehicles, equipment or other assets being financed.
Business and commercial information, where applicable.
Information provided through our website, application forms, telephone conversations, emails and other communications.
We only collect information reasonably necessary for providing our services, administering applications, verifying information, meeting applicable legal obligations and other lawful purposes explained in this policy.
Providing personal information is generally voluntary. However, if you do not provide information required for an application, we or the participating lender may be unable to process or assess it.
Where information is required by law, we will identify the relevant requirement where applicable.
3. How We Use Your Information
We may collect and use your personal information to:
Respond to finance enquiries and provide information about available asset finance products.
Prepare, process and submit finance applications to participating lending providers.
Verify your identity, employment, income and other information relevant to an application.
Coordinate credit assessments with authorised credit reporting agencies and lenders, where permitted by law and appropriately authorised.
Communicate with lenders regarding application progress, additional requirements, offers and outcomes.
Assist with documentation required for an approved finance facility.
Verify asset ownership, registration, security interests and other relevant details.
Maintain accurate customer records and manage ongoing enquiries.
Detect and prevent fraud, identity misuse and other unlawful activities.
Meet applicable legal, regulatory, record-keeping and compliance requirements.
Respond to customer questions, requests, complaints and disputes.
Improve our website, customer service and internal operational processes.
We will not use personal information for purposes unrelated to those for which it was collected unless you have authorised the additional use or the use is otherwise permitted by law.
4. Verification of Information
By submitting a formal finance application and providing the necessary authorisations, you permit Stallion Finance to take reasonable steps to verify the information supplied.
Depending on the application, verification may involve contacting or obtaining relevant information from:
Participating lending providers.
Authorised credit reporting agencies.
Current or previous employers.
Accountants or other nominated professional representatives.
Financial institutions and credit providers.
Vehicle dealers and asset suppliers.
Government agencies and legally accessible registers.
Other relevant parties identified in your application.
Such verification will only be undertaken where reasonably necessary and permitted by law.
We may use relevant information from the Personal Property Securities Register (PPSR), Motor Vehicle Register and other lawful sources to confirm asset-related information, ownership or security interests.
Where we collect personal information from third parties, we will take reasonable steps to provide any required privacy notification, unless an applicable exception permits otherwise.
5. Credit Checks and Credit Reporting
When you apply for asset finance, a credit assessment may be required by a participating lender.
Where appropriately authorised and legally permitted, Stallion Finance may arrange, facilitate or request credit checks in connection with your application.
This may involve providing relevant personal information to an authorised credit reporting agency and receiving credit-related information where we are legally entitled to do so.
Participating lenders may also obtain credit reports directly as part of their lending assessment.
You acknowledge that:
A credit check may be undertaken in connection with your finance application.
Credit reporting agencies may hold information about your credit history.
Credit reporting agencies may use and disclose information in accordance with applicable laws and the Credit Reporting Privacy Code 2020.
Information relevant to your application may be provided to participating lending providers.
Lenders may use credit information to assess eligibility, creditworthiness and affordability.
Credit applications and credit enquiries may be recorded on your credit file in accordance with applicable credit reporting rules.
Credit checks will only be conducted where there is a lawful basis and any required authorisation has been obtained.
You may request access to, or correction of, information held about you by relevant credit reporting agencies.
6. Disclosure of Personal Information
Stallion Finance may share personal information with third parties where reasonably necessary to facilitate your application, provide our services or meet legal obligations.
These parties may include:
Participating lenders: To assess finance applications, request supporting information and communicate lending decisions.
Credit reporting agencies: For lawful credit assessment, identity verification and related purposes.
Vehicle dealers and asset suppliers: Where necessary to facilitate asset purchases, verify asset details or coordinate settlement.
Referral partners: Where an application has been introduced by a dealership or referral partner, and the disclosure is appropriately authorised.
Professional service providers: Including legal, accounting, compliance, auditing, technology and administrative providers supporting our operations.
Government agencies and regulators: Where disclosure is required or permitted by law.
Dispute resolution providers: Where necessary to manage complaints and disputes.
We only disclose information for legitimate purposes connected to our services or as otherwise permitted by law.
We do not sell customers' personal or financial information to third parties.
7. Dealer and Referral Partner Applications
Where you submit a finance application through a vehicle dealer, asset supplier or other referral partner, Stallion Finance may receive information collected by that partner for the purpose of assisting with your finance application.
With appropriate authorisation, we may also provide the referring partner with relevant updates concerning your application, including:
Confirmation that the application has been received.
Whether additional information or documentation is required.
General application progress.
Whether the application has been approved, declined or withdrawn.
Information reasonably necessary to facilitate the associated asset purchase.
We will not automatically provide referral partners with unrestricted access to your financial information, credit reports or sensitive supporting documents.
Any additional disclosure will be subject to your authorisation or another lawful basis.
8. Information from Lending Providers
Where a participating lender receives or assesses your finance application, that lender may collect, use and retain your personal information under its own privacy policy and applicable legal requirements.
By providing the relevant application authorisation, you permit the participating lender to communicate with Stallion Finance about your application, including requests for documents, application status, finance offers and outcomes.
Where necessary and authorised, the lender may also provide information relating to the finance facility to assist us with customer enquiries, administrative matters or other agreed services.
Stallion Finance does not automatically administer or service a loan after settlement.
The relevant lender remains responsible for administering the finance agreement, collecting repayments and managing the lending relationship unless otherwise agreed.
9. Motor Vehicle and Asset Information
Where your finance application involves a motor vehicle or another secured asset, information may be obtained from relevant vehicle and security registers where lawful and necessary.
This may include information relating to:
Vehicle registration and identification.
Registered persons and ownership-related information.
Existing security interests.
Asset details and relevant finance records.
Other information required for asset verification.
Access to personal information held on the Motor Vehicle Register is governed by applicable legislation and the requirements of NZ Transport Agency Waka Kotahi.
Individuals may be able to restrict access to certain registered-person information by opting out or applying for confidential status, subject to eligibility and applicable exceptions.
Further information is available at:
10. Storage, Security and Retention
We take reasonable steps to protect personal information against unauthorised access, modification, loss, misuse and disclosure.
Personal information may be stored in electronic customer management systems, business applications, secure document storage services and other systems used to operate our business.
Access to customer information is restricted to authorised personnel and service providers who require access for legitimate business purposes.
We retain personal information only for as long as reasonably necessary for the purposes for which it was collected or as required by applicable law, including record-keeping and dispute resolution obligations.
When information is no longer required, we take reasonable steps to securely delete, destroy or de-identify it.
Some technology and cloud service providers may store or process information outside New Zealand. Where overseas disclosure occurs, we will comply with applicable requirements under the Privacy Act 2020.
11. Telephone Calls and Communications
Where telephone conversations with Stallion Finance are recorded, recordings may be used for:
Customer service and quality assurance.
Staff training.
Confirming customer instructions.
Compliance and record-keeping.
Complaint and dispute resolution.
Fraud prevention and security.
We will take reasonable steps to inform customers when calls are recorded.
Recordings will be handled in accordance with this Privacy Policy and applicable privacy requirements.
We may also retain relevant emails, text messages, application correspondence and communication records for legitimate business purposes.
12. Marketing Communications
Stallion Finance may contact you regarding your finance enquiry, application progress, outstanding information or matters directly related to a service you have requested.
These communications are separate from promotional or marketing communications.
We may also send information about our products, services, promotions or updates where we have the required consent or another lawful basis.
You may withdraw your consent to marketing communications at any time by using the unsubscribe option provided or contacting us directly.
Declining marketing communications will not prevent you from receiving necessary communications relating to an active finance enquiry or application.
We do not use credit reporting information for direct marketing purposes.
13. Website Information and Cookies
When you visit our website, certain technical information may be collected automatically, including:
Browser and device information.
IP address.
Pages viewed and website interactions.
Enquiry and form submission information.
Cookies and other website analytics information.
This information may be used to maintain website functionality, improve user experience, measure website performance and support permitted marketing activities.
Where third-party technology or analytics providers are used, relevant personal information will be handled in accordance with applicable privacy requirements.
You can manage certain cookies through your browser settings.
14. Accessing and Correcting Your Information
Under the Privacy Act 2020, you have the right to request access to personal information held about you and to request correction of information that is inaccurate or incomplete.
You may contact us to:
Request access to your personal information.
Request correction of your personal information.
Update your contact details.
Raise concerns about how your information is handled.
Withdraw an authorisation where withdrawal is available under applicable law.
We will respond to requests within the timeframes required by law.
Where we cannot make a requested correction, you may have the right to have a statement of correction attached to the information.
15. Privacy Complaints
If you believe your personal information has been collected, used, stored or disclosed inappropriately, please contact Stallion Finance.
We will investigate your concerns and aim to resolve them fairly and promptly.
If you are dissatisfied with our response, you may contact the Office of the Privacy Commissioner.
Website: https://www.privacy.org.nz/
16. Changes to This Policy
We may update this Privacy Policy to reflect changes in our business operations, services, technology or applicable legal requirements.
Any updated policy will be published on our website with the relevant revision date.
17. Contact Information
Stallion Finance Limited
NZBN: 9429049433432
FSP: FSP1004300
Address: 613 Dominion Road, Mount Eden, Auckland 1041, New Zealand
Phone: 0800 777 223
Email: info@stallionfinance.co.nz
Website: www.stallionfinance.co.nz
For privacy-related enquiries, please contact our team using the details above and mark your correspondence for the attention of the Privacy Officer.