Centrix Consent Clauses

These consent clauses apply when Quantum Asset Finance Ltd (FSP 1005650) ("Quantum Asset Finance", "we", "us", "you in this declaration) collects, uses or discloses your personal information in connection with a finance application, credit check, or the ongoing administration of your loan.

By signing our Finance Application Form, or by submitting an online application through our website, you give us the consents set out below in accordance with the Privacy Act 2020 (including Information Privacy Principle 3A — notification of indirect collection, effective 1 May 2026) and the Credit Reporting Privacy Code 2020 (the Code).

In these clauses, "credit reporters" means Centrix Group Ltd, Centrix Data One Ltd (collectively "Centrix"), Equifax New Zealand Information Services Ltd (formerly Veda), and illion New Zealand — all of which are credit reporters governed by the Code.

Your consent

I consent to Quantum Asset Finance collecting, using and disclosing my personal information for the following purposes:

Verification. Verifying any information that I give to you (or information that you may collect from other sources) with third parties and third-party databases, including Government agencies (for example, NZ Transport Authority, Department of Internal Affairs, Motor Vehicle Register (name and address), and the Personal Property Securities Register (PPSR)) for a purpose related to my application for credit, or administering my account with you, including for fraud prevention and complying with the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 (AML/CFT).
Credit checks. Carrying out credit checks on me with Centrix, Equifax and/or illion for the purpose of making a credit decision affecting me (including debt collection), providing me with a quotation of the cost of credit, or meeting the requirements of the AML/CFT Act 2009. This will require you to give my information to the credit reporter, and the credit reporter to provide information about me to you. You may also disclose my positive credit information (including repayment history information) to a credit reporter.
Debt recovery. Debt recovery, including appointing an agent to collect any outstanding debts and listing defaults with Centrix, Equifax and/or illion.
Ministry of Justice fines. Checking the Ministry of Justice fines database for any overdue fines I may have. This will require you to give my information to the Ministry of Justice. This check may be carried out by a credit reporter, which will require the search results to be disclosed to that credit reporter.
Driver licence information. Where I have voluntarily given you my driver licence information, this information may also be disclosed to a credit reporter and the Ministry of Justice as part of the checks you undertake with them.
Ongoing monitoring. For the duration of my loan, you, my Lender and the credit reporters may monitor my loan and update my information with any changes throughout the loan term.

Authorization to third parties

I authorize any third party to provide my personal information to you for any of the purposes set out above.

How credit reporters use my information

I understand that if you disclose my personal information to a credit reporter, they may

Hold my information on their credit reporting database
Use it to provide credit reporting services and for any other lawful purpose under the Credit Reporting Privacy Code 2020
Disclose my information to their subscribers (such as banks, finance companies, debt collectors, telco/utility providers, landlords, insurers and employers) for the purpose of credit checking, debt collection or for any other lawful purpose under the Code
Indirectly collect further information about me from their subscribers and from publicly available publications, in accordance with the Code

IPP3A — Indirect collection notification

Where Quantum Asset Finance collects my personal information from any source other than directly from me (for example, from a credit reporter, a lender, an employer or a government register), Quantum Asset Finance complies with Information Privacy Principle 3A of the Privacy Act 2020 by making me aware of:

the fact and nature of the collection
the purpose of the collection
the intended recipients of the information
the name and address of Quantum Asset Finance as the collecting and holding agency
the law authorising or requiring the collection (where applicable), and
my rights of access to, and correction of, my personal information.

This page, together with our Privacy Notice and my signed Finance Application Form, constitutes that IPP3A notification.

My rights

I have the following rights regarding the personal information held about me:

Access — Quantum Asset Finance: request a copy of the information held by Quantum Asset Finance by emailing [email protected]. My first request in any 12-month period is provided free; Quantum Asset Finance will respond within 20 working days as required by the Privacy Act 2020.
Access — Centrix: request a copy of my Centrix consumer credit report at www.centrix.co.nz/my-credit-score.
Correction — Quantum Asset Finance: ask Quantum Asset Finance to correct information I believe is wrong by emailing [email protected].
Correction — Centrix: request correction of incorrect credit information by emailing [email protected].
Suppression: request that my credit file be suppressed ("frozen") via Centrix at www.centrix.co.nz.
Complaints: contact Quantum Asset Finance first at [email protected] or 0508 300 500. For matters relating to Centrix, email [email protected]. If I am not satisfied with the outcome, I may complain to the Office of the Privacy Commissioner at www.privacy.org.nz. I may also complete Quantum Asset Finance's Feedback & Complaints Form at www.quantumassetfinance.co.nz.

Contact details

Quantum Asset Finance Ltd (FSP 1005650)
B2/99 Greenwood Street, Frankton, Hamilton 3204
PO Box 5301, Frankton, Hamilton 3242
Email: [email protected]
Phone: 0508 300 500
Website: www.quantumassetfinance.co.nz

Quantum Asset Finance Ltd is an Authorised Body of Quantum Finance Limited (FSP 751471).

Centrix Group Ltd / Centrix Data One Ltd
Phone: 0800 236 874
Email: [email protected]
Postal: PO Box 62512, Greenlane, Auckland 1546 (Attn: Consumer Services)
Centrix Privacy Statement (updated March 2026): www.centrix.co.nz/privacy-statement