This Privacy Policy (“Policy”) governs the collection, use and disclosure of Personal Information by MCA Investments Limited (trading as “Dosh”). In this Policy, “Dosh”, “we”, “us”, or “our” means MCA Investments Limited and any reference to “you” or “yours” refers to you.
We collect and use your Personal Information to provide you with access to our websites, App, social media channels, products and services (“Services”).
We may amend and update this Policy from time to time by posting a revised version on our website or otherwise notifying you through our Services. Any changes will apply from the date we post the updated Policy on our website or through our Services. If we make any significant changes, we will endeavour to provide you with reasonable notice of such changes through our website, or via other means such as email. By accessing or using our Services after such notice period, you will be deemed to have accepted the updates to this Policy. If you do not agree to any change, you must immediately notify us and cease accessing our Services.
Your Personal Information will be collected and held by MCA Investments Limited, Level 10, 21 Queen Street, CBD, Auckland, 1010, New Zealand.
We collect Personal Information in order to manage, market and conduct our business, to provide our Services, and to meet our legal obligations. Depending upon the nature of your relationship with us, the type of Personal Information we collect and hold may include:
We use different methods to collect your Personal Information. We will generally collect Personal Information directly from you (e.g. through information you submit through the Service or through correspondence that you submit to us). However, we may also collect Personal Information:
If you have provided us with information about another person, you warrant that you have that person’s permission to do so. Your obligations under privacy laws may also mean that you need to tell that person about the disclosure and let them know that they have a right to access their Personal Information and that we will handle their Personal Information in accordance with this Policy.
When you access our Services, we may collect information that is sent to us by your device. Generally, this information is not personally identifiable data, but to the extent that it is considered Personal Information for the purposes of the Privacy Act, we will comply with our legal obligations under any such law or regulation when processing that information.
You are not required to provide us with your Personal Information. However, if you choose not to provide Personal Information to us on request we may be unable to provide certain Services to you or it may affect the functionality of our Services.
We collect, hold, use and disclose your Personal Information for the following purposes:
You can opt out of receiving marketing material, push notifications and other promotional communications at any time by disabling notifications in the App, notifying us at contact@Dosh.nz or by clicking the unsubscribe function included in our marketing communications.
We may disclose your Personal Information to:
If we disclose Personal Information to a third party outside of New Zealand who uses that information for their own purposes, we will ensure that such third party is subject to comparable privacy laws to New Zealand or is required to protect the Personal Information in a way that is comparable to New Zealand’s privacy laws.
You agree that any information you give to us will be accurate, correct and up to date and you will inform us if any of Personal Information changes to ensure that the details we hold about you are up to date and correct. You can update your personal details at any time through your customer account or by contacting us at contact@Dosh.nz.
You are entitled to access the Personal Information we hold about you, and to request that we amend it if it is incorrect. If we are not willing to correct errors that you have identified in your Personal Information, you may request that we take reasonable steps to attach a statement to the Personal Information noting the correction sought.
We will only retain your Personal Information for as long as it is required to achieve the purposes set out in this Policy or as otherwise required by law.
We take reasonable steps to protect Personal Information from misuse, loss and unauthorised access, modification or disclosure.
Although we take reasonable steps to ensure Personal Information held by us (or on our behalf) is protected and held securely, we do not make any warranties in relation to the security of any information you disclose or transmit to us and we are not responsible for the theft, destruction, or inadvertent disclosure of your Personal Information where our security measures have been breached. Any transmission of Personal Information is conducted at your own risk.
We use third party cloud service providers, such as Microsoft Azure, to store data on our behalf. Those providers are generally based in Australia and Europe.
“Cookies” are small files that are placed on your computer, mobile device or any other device by a website, containing the details of your browsing history on that website among its many uses.
Like many other websites on the internet, we use Cookies and other third party web tracking and analytic tools to collect and track information about you when you are using our Service for the purposes of:
If you do not wish to allow Cookies you may change your browser settings to disable Cookies. However, if you disable Cookies some parts of our Services may not function properly.
Our Services may have links or references to third party websites or material. This Policy does not apply to those websites, and any information collected by such third parties is governed by that third party’s privacy practices or policies. We accept no responsibility or liability for the content or privacy practices of any third party website or App.
If you have any queries or concerns about this Policy or our handling of your Personal Information please contact our Privacy Officer at MCA Investments Limited, Level 10, 21 Queen Street, CBD, Auckland, 1010, New Zealand, or by emailing us at contact@Dosh.nz.
When applying for a Dosh loan, you also agree to the following authorisation for our third party provider Avanti Finance Limited (NZB 9429038556692).
By submitting an application for a Dosh Personal Loan, you authorise Avanti Finance Limited (Avanti, we or us) to collect, use and share your personal information in accordance with our Privacy Statement, which you can find at www.avantifinance.co.nz /privacy-policy. Dosh has a contractual arrangement with Avanti to provide the Dosh Personal Loan to approved customers.
1. THE INFORMATION WE COLLECT
The Privacy Statement includes a full list of the personal information which we may collect from you. That information includes (but is not limited to): information about your identity, like your name (and any previous or other names you are or have been known by), age, gender, identification, biometric data and image; your contact details, like your address and or current whereabouts, telephone number and email address (including any arrival and departure records held in New Zealand); financial information, like your income, expenses and liabilities and banking history; information about your past and current bank accounts, including bank statements; and information about your employment and type of work you do.
2. WHO WE COLLECT YOUR PERSONAL INFORMATION FROM AND SHARE IT WITH
The Privacy Statement also includes a full list of the people and organisations from whom we may request and collect your personal information, and with whom we may share it. Those people and organisations include (but are not limited to): any registered bank or other credit provider in New Zealand; your past and present employers; your past and present service providers, including your telecommunications providers; and government agencies and services, including NZ Customs Service, the Ministry of Justice, Department of Corrections, New Zealand Police, the Ministry of Social Development (including Work and Income), Immigration New Zealand, Inland Revenue Department, Kainga Ora (and related agencies), NZTA's Driver Check service, Housing New Zealand Corporation, Office of the Privacy Commissioner and the Commerce Commission.
3. AUTHORISATION By submitting a loan application, you confirm that: you have read and understood the Privacy Statement and this authorisation; you authorise us to collect, use and share your personal information in accordance with the Privacy Statement and this authorisation; all representations that you have made to us and all information and documents that you, or any other person acting with your knowledge or permission, has given to us in connection with this loan agreement are and remain complete, accurate and not misleading and have not been given fraudulently.
Last updated: 8 May 2024
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