Privacy Statement
Merchant Credit and Guarantee Corporation Limited is committed to protecting your privacy and handling personal information responsibly.
About This Statement
This privacy statement explains how Merchant Credit and Guarantee Corporation Limited collects, uses, stores, and protects personal information you provide through our website, enquiry forms, and consultations.
Information We Collect
When you contact Merchant Credit and Guarantee Corporation Limited or submit an enquiry form, we collect:
- Your name and email address
- Company name and business details
- Service interests and transaction context
- Any supporting documentation or messages you provide
Why We Collect This Information
Merchant Credit and Guarantee Corporation Limited collects personal information to:
- Respond to your consultation enquiries
- Understand your business needs and transaction context
- Assess your eligibility for Merchant Credit and Guarantee Corporation Limited's services
- Comply with Anti-Money Laundering (AML) and Know Your Customer (KYC) obligations
- Maintain records of communications and engagement
Data Handling and Storage
Personal information is stored securely and accessed only by authorized Merchant Credit and Guarantee Corporation Limited staff who need it to process your enquiry. Information may be stored both electronically and in physical records.
Merchant Credit and Guarantee Corporation Limited may use email, CRM systems, or other third-party service providers to manage your information. These providers are contractually obligated to maintain confidentiality.
Overseas Processing
Depending on Merchant Credit and Guarantee Corporation Limited's service arrangements and technology infrastructure, your information may be processed, stored, or accessed by service providers located outside New Zealand. Where this occurs, your information remains subject to this privacy statement.
Disclosure of Information
Merchant Credit and Guarantee Corporation Limited does not sell or trade your personal information. However, we may disclose information:
- To authorized Merchant Credit and Guarantee Corporation Limited staff and service providers
- To third-party institutions (banks, intermediaries, counterparties) as required for transaction processing and coordination
- To comply with legal obligations or law enforcement requests
- With your explicit consent
Data Retention
Merchant Credit and Guarantee Corporation Limited retains personal information for as long as necessary to provide services, fulfill legal obligations, and maintain business records. Retention periods vary by information type and business need, typically from 1 to 7+ years depending on regulatory and contractual requirements.
Your Rights
Under New Zealand privacy law, you have the right to:
- Access your personal information
- Request correction or deletion of inaccurate or outdated information
- Ask how your information is being used
- Object to certain uses of your information
To exercise these rights, contact Merchant Credit and Guarantee Corporation Limited's privacy officer at privacy@merchantcreditcorp.co.
Contact and Complaints
Privacy Officer Contact:
Email: privacy@merchantcreditcorp.co
Postal: Merchant Credit and Guarantee Corporation Limited, 32 Maranui Avenue, Epsom, Auckland 1051, New Zealand
If you believe your privacy has been breached or have concerns about Merchant Credit and Guarantee Corporation Limited's privacy practices, please contact us. If you are not satisfied with Merchant Credit and Guarantee Corporation Limited's response, you may lodge a complaint with the New Zealand Privacy Commissioner.
Changes to This Statement
Merchant Credit and Guarantee Corporation Limited may update this privacy statement from time to time to reflect changes in practices or legal requirements. The most current version will always be available on this page.
Last updated: August 2026