PRIVACY POLICY

Introduction

One Bridge Finance (operated by AM & RJ Holdings Limited, trading as One Bridge Finance) is committed to protecting your privacy.

One Bridge Finance acts as an intermediary and does not itself provide credit or lend money. We assist clients by assessing their information and submitting applications to third-party lenders. Any credit contract you enter into will be with the lender, not with One Bridge Finance.

This Privacy Policy explains how we collect, use, store, and share your personal information in accordance with the Privacy Act 2020.

By providing your personal information to us, you consent to us collecting, using, and sharing it in accordance with this Privacy Policy.

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The Information We Collect

We may collect the following types of personal information about you:

Identity Information

• Your name (including any previous or other names you are or have been known by)
• Date of birth and age
• Identification documents and numbers
• Proof of identity verification
• Images required for identification purposes

Contact Information

• Current and previous addresses
• Phone numbers and email addresses

Financial Information

• Income, expenses, and liabilities
• Banking history and current bank accounts
• Bank statements
• Credit history and current credit obligations
• Financial position and assets
• Information about assets that may be offered as security to a lender

Employment Information

• Current and past employment details
• Type of work you do
• Employer contact information

Other Information

• Your involvement in (or relationship to) any corporate entity or trust
• Information about your personal circumstances and plans
• The type of product or service you are applying for
• Any other information you choose to share with us

Providing your personal information is optional. However, if you do not provide the information requested, we may not be able to assess your application or assist you in applying for financial products or services.

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Why We Collect Your Information

We collect and use your personal information to:

• Assess your application and submit it to appropriate third-party lenders
• Verify your identity and comply with anti-money laundering and countering financing of terrorism laws
• Verify your credit history, financial position, and current credit obligations
• Assist with responsible lending and affordability assessments
• Communicate with you about your application
• Comply with our legal and regulatory obligations, including under the Credit Contracts and Consumer Finance Act (CCCFA)
• Manage our internal operational requirements, such as risk management, audit, insurance, administration, and compliance

We may receive commission or other remuneration from a lender if your application is successful. Details of how we are paid are set out in our Credit Services Disclosure.

We may also use your information to provide you with information about our services or relevant third-party services. You may opt out of receiving marketing communications at any time by contacting us at info@onebridgefinance.co.nz or 021 393 338.

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Who We Collect Information From and Share It With

We collect personal information directly from you.

We may also collect personal information about you from, and share personal information with, the following parties for the purposes outlined above:

Lenders and Financial Institutions

• Registered banks and other credit providers in New Zealand
• Our panel of lending partners

Identification Verification Agencies

We may use third-party identification verification services to confirm your identity and meet our legal obligations under anti-money laundering and fraud prevention requirements.

Credit Reporting Agencies

To verify your identity, assess your creditworthiness, and process your application, we may obtain information from, and disclose information to, credit reporting agencies.

The credit reporting agencies we may use include:

• Centrix (Credit Bureau of New Zealand)
• Illion Direct
• Equifax

These agencies may hold information about your credit history. We may access and use this information to assess your application. Information provided to these agencies may be retained by them and used in accordance with their respective privacy policies.

Introducers and Referral Partners

• Motor vehicle dealers or other parties who introduce you to us

Your Representatives

• Your solicitor, accountant, or other professional advisers

Employers and Service Providers

• Your past and present employers (for income verification)
• Telecommunications providers (where relevant)
• IT providers and cloud storage providers
• Professional advisers and insurers

Government Agencies (where required)

• Inland Revenue Department
• Ministry of Justice
• Ministry of Social Development (including Work and Income)
• Immigration New Zealand
• NZTA Driver Check service
• New Zealand Police
• Office of the Privacy Commissioner
• Commerce Commission

Other Parties

• External dispute resolution schemes such as Financial Services Complaints Limited if you make a complaint about us
• Any person who has guaranteed or provided security to a lender in connection with your loan
• Debt collection agencies engaged by a lender (where applicable)
• Any successor entity in the event of a business restructure, sale, or merger

You authorise us to request and collect your personal information from the third parties listed above for the purpose of assessing your application.

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Ongoing Collection and Sharing

We may collect and share your personal information on an ongoing basis where required to assist with your application or to comply with legal obligations.

For example:

• We may receive updates from identification or credit reporting agencies
• A lender may continue to share information with credit reporting agencies while you have a credit relationship with them

If there is more than one applicant, information provided by one applicant may be shared with the other applicant(s) as necessary for the application process.

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Storage and Retention of Your Information

Your personal information is stored electronically and/or in paper files.

Generally, we hold your personal information in New Zealand. Some service providers (including secure cloud-based providers) may store information on our behalf in New Zealand or overseas.

We take reasonable steps to protect your personal information from loss, misuse, unauthorised access, or disclosure.

We retain your personal information only for as long as reasonably necessary to fulfil the purposes for which it was collected and to meet legal, regulatory, tax, and compliance requirements.

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Access and Correction

Under the Privacy Act 2020, you have the right to:

• Request access to the personal information we hold about you
• Request correction of any information you believe is incorrect

To request access or correction, contact us:

Phone: 021 393 338
Email: info@onebridgefinance.co.nz

If we refuse a request, we will explain why.

You may also request access to your credit information directly from a credit reporting agency.

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Electronic Communications

By providing us with your email address, you consent to receiving communications from us electronically.

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Making a Complaint

If you have a complaint about how we have handled your personal information, please contact us:

Phone: 021 393 338
Email: info@onebridgefinance.co.nz

If your complaint is not resolved to your satisfaction, you may contact:

Office of the Privacy Commissioner
Phone: 0800 803 909
Website: www.privacy.org.nz

You may also escalate complaints about our service to:

Financial Services Complaints Limited
Phone: 0800 347 257
Email: info@fscl.org.nz
Website: www.fscl.org.nz

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Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any updates will be published on this page with a revised date.

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Contact Us

One Bridge Finance
Operated by AM & RJ Holdings Limited
Phone: 021 393 338
Email: info@onebridgefinance.co.nz

This Privacy Policy was last updated: 17/02/2026