Critical Inc. ("Critical") is committed to safeguarding the personal information of individuals. This privacy statement outlines the practices we follow in protecting personal information and applies to Critical and to any person providing services on our behalf.
Fundstar Finance Ltd (Fundstar Finance ), operates a business providing business loans (typically under $250,000) to the small and medium enterprise business community. Fundstar Finance does not provide consumer credit or consumer finance. All loans provided by Fundstar Finance are for business purposes only.
Fundstar Finance collects personal information from people who are potential customers (i.e. borrowers), from referrers under our referral program, and from other people who are connected to its operations and activities.
Personal information is any information or an opinion, whether true or not, about you that identifies you, or from which you are reasonably identifiable.
When you visit the Fundstar Finance website or apply for a loan, we collect information sent to us by your computer, mobile phone or other access device. The information sent to us includes data on the pages you access, your computer IP address, device identifiers, the type of operating system you are using, your location, mobile network information, standard web log data and other information. Web log data includes the browser type you are using and traffic to and from the site.
When you visit the Fundstar Finance website or apply for a loan, we also collect information about your transactions and your activities.
In addition, we may collect the following types of information from you:
The primary purpose for which Fundstar Finance collects personal information is so that it can carry out its business of making loans to small and medium-sized businesses.
We may also use your personal information to:
Generally you have no obligation to provide Fundstar Finance with any personal information requested by us. However, if you choose to withhold requested personal information, we may not be able to provide you with the services requested or allow you to participate in marketing activities that depend on the collection of that information.
From time to time, we participate in data collectives where we share your personal information with other organisations. We may share the information you provide with those data collectives. However, if you do not wish to receive communications from a third party, please contact us at Fundstar Finance at Support@fundstar.nz
Where we use your personal information to send you marketing and promotional information by post, email or we contact you by telephone, you will be provided with an opportunity to opt-out of receiving such information. If you wish to opt-out, please contact us at Fundstar Finance at firstname.lastname@example.org
You may decline our cookies if your browser or browser add-on permits, but doing so may interfere with your use of our website and the Fundstar Finance services. You can refer to the ‘help’ section of your browser or installed applications for instructions on blocking, disabling or deleting cookies.
You have the option to deal anonymously or by pseudonym if you contact us by telephone and you merely seek information about our services but you do not wish to apply for a loan. If you wish to apply for a loan, you must provide us with the personal information which we require to verify your identity for AML/CTF purposes and to process your loan application.
In carrying out our business, we may need to disclose your personal information to others, as follows:
Your personal information will be stored on a password-protected electronic database, which may be a Fundstar Finance database, a database maintained by a cloud hosting service provider or other third party database storage or server provider. All such personal information is maintained within the effective control of Fundstar Finance. We have arrangements which require third party service providers to maintain the security of the information and we take reasonable steps to protect the privacy and security of that information.
We use Secure Socket Layer (SSL) certificates which is the industry standard for encrypting your credit card and debit card numbers, your name and address so that it cannot be viewed by any third party over the internet. Your financial information is encrypted on our servers and access to this information is restricted to authorised Moula staff only.
Fundstar Finance will, upon your request, and subject to applicable privacy laws, provide you with access to your personal information that is held by us. However, we request that you identify, as clearly as possible, the type/s of information requested. We will deal with your request to provide access to your personal information within a reasonable period after the request is made and you agree we may charge you our reasonable costs incurred in supplying you with access to this information.
Your rights to access personal information are not absolute and in certain circumstances, privacy laws dictate that we are not required to grant access such as where access would have an unreasonable impact on the privacy of other individuals, providing access would be unlawful, or access may prejudice commercial negotiations, legal proceedings, enforcement activities or appropriate action being taken in respect of a suspected unlawful activity or serious misconduct. If we refuse your request, we will notify you in writing of our reasons (unless it would be unreasonable to do so) and explain how you can take the matter further if you are not satisfied with our response.
You may ask us to update or correct the personal information we hold about you at any time. We will take reasonable steps to verify your identity before granting access or making any corrections to your information. We will deal with your request to update or correct your personal information within a reasonable period after the request is made. We also have obligations to take reasonable steps to correct personal information we hold when we are satisfied that it is inaccurate, out- of-date, incomplete, irrelevant or misleading for the purpose for which it is held.
If you require access to, or wish to update your personal information, please contact us at Fundstar Finance at email@example.com
Fundstar Finacne may generally disclose to credit reporting bodies the following information about you:
A credit reporting body to whom Fundstar Finance discloses your credit information, may include that information in reports that are then provided to other credit providers for the purpose of those providers assessing your credit worthiness, including in relation to consumer credit.
The credit reporting bodies that we deal with are Veda, Dun & Bradstreet, who can be contacted using the following details:
Veda Advantage Information Services and Solutions Limited
Dun & Bradstreet (Australia) Pty Ltd
Phone: 1300 734 806