Your privacy is important to us at Unity Credit Union. This Privacy Statement explains how your personal information is collected, stored, used and disclosed by us in accordance with the Privacy Act 2020.
1. When this Privacy Statement Applies
This Privacy Statement applies to all Unity Credit Union’s products and services and all our interactions with you. These interactions include, but are not limited to; using our apps, websites, phone calls with our contact centre and visiting any of our branches.
Our products and services have their own terms and conditions that may include specific privacy terms or terms regulating personal information.
2. About us
Unity Credit Union balances our social and commercial purposes. We re-invest our profits to improve services for our members. Since 1971, we have been helping members with smart, simple money solutions. United as Unity Credit Union trading as Unity.
3. What personal information do we collect?
Personal information collected by Unity Credit Union includes any information that identifies you. For example:
- your name, email address, phone number, home address, signature, photograph, and date of birth
- credit and employment history
- financial information
- tax details
- account numbers and transaction history
- information we collect when you use our websites, social media apps and apps such as mobile banking, including your username and login credentials,
- an alternative contact point, if you apply for a loan from us; and
- video or audio recordings of you when you visit any of our Branches, ATMs or call our contact centre.
4. How we collect your personal information
Most of the information Unity Credit Union collects comes from you when you interact with us, as well as from third parties we work with:
- When you apply for a product or service. We collect personal information from you to be able to contact you, confirm your identity and the details of any security you offer, and to check your credit and financial history.
- When you are a member and use our products or services. We collect information on your transactions and payments, when you access our services (e.g. internet banking, mobile banking, call our contact centre or visit one of our Branches), and when you respond to any survey or research questions we may send you.
- When you visit our websites, apps and social media. We collect personal information when you visit our websites, apps and social media. Please refer to our Cookies Policy to find out more about the information we collect and how it is used. Note: Our websites may contain links to other third-party sites. We are not responsible for the privacy practices of these third parties. You should check the privacy statements of any other website before providing personal information to them.
- When we work with third parties or use their information. We will request information about you from third parties to check your credit history, confirm your employment or other information that assists us in providing products services to you, and to comply with the law. Third parties include credit bureaus, legal or financial advisors, brokers, our service providers, and government agencies such as IRD or the New Zealand Police. We will also seek information from your parents or guardians if you are under 18 years old. By accessing our products or services, you consent to such collection from third parties.
- Accessing personal information from the Motor Vehicle Register. If you offer a vehicle as security for a loan, Unity will access the Motor Vehicle Register to verify ownership and vehicle details. This information will be held securely and used only for authorised purposes and in accordance with Unity’s authorised conditions which are available at unitymoney.co.nz/about-us/legal-ts-and-cs/. You may opt-out of having your name and address shown on the Motor Vehicle Register by contacting the Waka Kotahi NZ Transport Agency.
 Refer to section 241(7)(b) of the Land Transport Act 1998 and regulation 10 of the Land Transport (Motor Vehicle Register Authorised Access) Regulations 2010 which provides the methods in which you can request to opt-out.
5. How we use your personal information
You choose whether or not to provide us with your personal information. However, some products or services will not be available to you should you chose to opt-out of providing certain information. We use your personal information in the following ways:
- To offer you our products or services. Your personal information is used to confirm your identity and help us assess your application and offer you the most suitable product or service.
- When you use our products or services. We use your personal information to provide our products and services to you. This includes communicating with you, providing you with transaction statements and to manage your payments and transactions.
- To market products or services to you. We may use your personal information for research and to send marketing information to you. Please contact us if you do not want to be sent any marketing material.
- To manage our business. Your personal information is used to inform our business planning and reporting, monitor the use of our products and services and to improve the delivery of our products and services to you.
- To comply with our legal obligations. We use your personal information to comply with legal obligations under the Anti-Money Laundering and Counter Financing of Terrorism Act 2009 and other key legislation, and to respond to legal information requests from agencies such as the IRD and the NZ Police.
6. When we share your personal information
We share your personal information with third parties in the following circumstances:
- With third parties core to the delivery of our business (e.g. for data storage, credit checks, identity verification, communications, marketing, and credit collection).
- With third parties when we engage them to provide information storage or processing services on our behalf.
- With our related parties to provide core banking and payments processing services.
- With third parties when we believe in good faith that we are required to do so by law.
- With third parties with whom you hold or have enquired about a product as part of a referral agreement between Unity and the third party.
- With specified third parties when you have given us permission.
If we need to share your personal information with a third party for any other reason than those listed above, we will seek your prior permission.
Where we share your personal information with third parties located outside NZ, we take reasonable steps to manage and review our contracts and processes with these third parties to satisfy us that your personal information is handled in a way that is consistent with the NZ Privacy Act 2020.
7. How we protect your personal information
We ensure reasonable safeguards are in place to protect the security of your physical and electronic personal information from any loss, modification, access, disclosure or other misuse.
- Storing your personal information: We store all your personal information in secure systems and applications that are either managed by us or by third parties. For paper- based personal information, we operate a clear desk policy. Any member files are stored securely when not in use. We are required to hold your personal information for at least seven years; but we may need to keep information for longer by law, even if you are no longer a member with us.
- Sharing your personal information: When sharing your personal information with third parties located outside NZ including for those third parties to provide us with services or to store your personal information securely, we take reasonable steps to manage and review our contracts and processes to ensure your personal information is protected against unauthorised access, use or disclosure, to an acceptable level. However, we cannot guarantee the safety or security of your personal information.
- Privacy breaches: If there has been a privacy breach by us or a third party that holds your personal information, we will take immediate steps to reduce any harm. If necessary, we will also notify you as soon as practicable that a breach has occurred. If the breach has caused, or may cause, serious harm we will notify the Office of the Privacy Commissioner as required by law.
8. How we will let you know if our Privacy Statement changes
We may change this Privacy Statement at any time as our business grows and changes. We will notify you of changes to our Privacy Statement on our website or through our communications to you.
This Privacy Statement was last updated on 31 October 2022 (the effective date).
9. Your rights to access and correct personal information
You, or your representative, have the right under the Privacy Act 2020 to request access to and correction of your personal information. You can request your information by contacting our Privacy Officer by completing the Contact Form on our website, or in writing to:
Unity Privacy Officer
Unity Credit Union
100 St Aubyn Street East
PO Box 431
We will respond to your request within 20 working days. If your request is urgent, please let us know when making your request.
10. How to get in touch with us
If you have questions about this Privacy Statement, if your personal details have changed, or if you have a concern about the privacy of your personal information, please let us know by completing the Contact Form on our website, visiting your nearest branch, calling us on 0800 229 943 or writing to our Privacy Officer (details above).
If you have a complaint about the privacy of your personal information and are not satisfied with how your complaint has been resolved, you may contact the Office of the Privacy Commissioner (email@example.com or www.privacy.org.nz ).
1. What is a Cookie?
As part of our operations we may gather certain types of information about the users of our websites, called cookies. Cookies are very small text files that your browser stores on your computer or device when you visit websites. Our server recognises these cookies when you visit our sites.
A cookie does not provide us with any personal information about you and is not linked to any personal information that you may have provided. It does provide us with details of your IP address, the computer platform that you use (e.g. Mac or Windows), the browser that you use (e.g. Microsoft Explorer/Edge, Chrome, Safari or Netscape) and what domain you are accessing our sites from.
- Track traffic patterns to our sites.
- Ensure that the most relevant content is being shown.
- Help you to navigate the website efficiently.
- Allow you to perform certain functions on the website.
- Provide us with information about how our website is used.
- Allow you to enter certain member services sites without having to log in each time you visit.
3. Sharing of cookie information
We may share cookie information (not your personal information) with third parties to undertake research analytics on our behalf.
4. Retention of cookies
Retention of cookie information is on users’ browsers and/or hard drives is stored until deleted by the user, or after two years of inactivity.
5. To opt-out of using cookies