Set out below is what you can expect from us and what we expect from you.

Your personal information

Good Shepherd New Zealand and the community organisations that work with us delivering Good Loans collect personal information about you, including:

• The information you give us when enquiring about our services and products and during the application process
• If you take out a loan, information about your loan and your payments, and any contact you have with us
• Any information you provide when talking to us, including any information you consent to us obtaining from others
• If you later agree to participate in any additional research or provide a client story, the information you give us at that stage.

If you don’t give us all the information we ask for at the appropriate stage in our service delivery processes, we may not be able to deliver services to you.

We collect your information to administer and help improve services and products, to produce research and reports, so we can contact you, and so we can give certain information to the Ministry of Social Development and other funding providers that they require in connection with funding the programme.

Good Shepherd New Zealand and the community organisations that work with us delivering our services and products share your information with each other, and (if relevant) with the bank that provides us with the funding to lend to you.

We also may give your information to the Ministry of Social Development and other funding providers for research purposes, and because we are required to share information with those funding providers as part of our funding arrangements. 

Any information we give to the Ministry or other funding providers for these purposes will not identify you in any way and will only be used for analysis, evaluation, reporting and research purposes.

If you go ahead with any product or service, you may be required to consent to us collecting information about you from:

• Your bank and/or credit reporting agencies, which we use to assess your creditworthiness; and
• Other third-party agencies, which we use to verify your identity.

If we need this, we will ask for your consent first.

At times, we may disclose information about you to credit reporting agencies, debt collection agencies or law firms as part of our debt recovery process.

Your privacy is important to us.  You have the right to contact us to get access to your personal information and ask us to correct it if it is wrong. 

Our Good Loans privacy statement has more information about how we treat your personal information, or you can request a copy from your Good Loans Coach or Financial Wellbeing Advocate.

Read our Good Loans programme privacy statement.

Your rights

You have a right to:

• Be treated fairly and with respect regardless of your personal circumstances and beliefs
• Be informed about eligibility criteria related to our services and products
• Be informed about our application and assessment processes
• Be informed about the responsibilities connected with our services and products
• Be informed about how client information is recorded and who will have access to this information – see Your Personal Information section above
• Be provided with information about how to make a complaint and have the complaint dealt with fairly and promptly without retribution
• If available and necessary, access an interpreter, advocate, or another support person to assist with your application and access our services and products.

Your responsibilities

Your responsibilities are to:

• Act in a manner that respects the rights of other clients and staff of the organisation you are working with
• Ensure all information that you provide to us is true and correct, and that no false or misleading information is given at any time
• Make regular repayments as stated in your loan offer and agreement (if you take out a loan)
• Honour your commitments to the services and products you access
• Contact us at goodloans@goodshepherd.org.nz or the community organisation who you are working with if you are experiencing difficulties or unable to make a repayment
• Advise us if your repayment details change
• Advise us if your contact details, including address, email address or phone number, change.