Privacy Policy

Leverage Finance is a lead-generation and concierge referral service for car buyers in New Zealand. This page explains what information we collect, how we use it, and your rights under New Zealand privacy law.

Who we are

Leverage Finance is a lead-generation and concierge referral service based in New Zealand. Contact: [email protected].

What we collect

When you submit our pre-approval form, we collect your name, email, mobile number, employment type, monthly income range, the link or details of the vehicle you are interested in, and a photo of the front and back of your driver licence. After submission, we may request payslips, 3 months of bank statements, and visa documentation (where applicable) via a secure link. We also record submission timestamp and which ad variant brought you to the site.

How we use your information

Your application is passed to our panel of approved NZ finance lenders to run a soft credit check and return a pre-approval decision. If you have asked us to act as concierge on a vehicle purchase, we share the minimum information required with the seller (typically your name and contact details) to progress the transaction. We only use your information to deliver your pre-approval, facilitate the vehicle purchase you have nominated, and contact you about your application. We do not sell or share your details with dealers or third-party marketing lists.

Concierge data sharing

To negotiate, settle, and arrange delivery on the vehicle you have identified, we may share your name, contact details, and finance status (approved or settled) with the seller and inspection providers (such as the AA). We never share your bank statements, payslips, credit information, or licence details with the seller.

Supporting documents

Payslips, bank statements, and visa documentation are uploaded via a secure link sent after your application. They are used solely to verify your identity, income, and residency. We retain them for the duration required by NZ financial record-keeping regulations.

Credit checks and your consent

By submitting an application you authorise us to pass your details to our panel of approved New Zealand finance partners, and you authorise those partners to obtain credit information about you from a credit reporting agency. Pre-approval uses a soft credit check only, which has no impact on your credit score and is not visible to other lenders. A hard credit check, which may affect your score, only occurs if you choose to proceed to a final loan. We and our finance partners handle your credit information in line with the Privacy Act 2020 and the Credit Reporting Privacy Code 2020.

Identity documents

To complete an application you need to provide a clear photo of the front and back of your driver licence. We collect these images to verify your identity and to meet our finance partners' identity and anti-fraud requirements. Licence images are transmitted securely, shared only with a finance partner on our panel assessing your application, and stored securely. We retain them for seven (7) years in line with New Zealand financial record-keeping requirements, then delete them. We do not use them for any other purpose.

Your rights

Under the Privacy Act 2020 (NZ), you can request access to, correction of, or deletion of the information we hold about you. Email [email protected]. We respond within 20 working days.

Retention

We retain application data for seven (7) years in line with NZ financial record-keeping requirements.

How we're paid

Leverage Finance is free for you to use. We receive a referral fee from our finance partners when a loan you apply for is completed. This fee does not increase your interest rate or the cost of your loan.

Cookies and analytics

Once launched, Leverage Finance will use Microsoft Clarity and Google Analytics to understand site usage. These tools use cookies and anonymous identifiers. You can opt out via your browser's cookie settings.

Changes

We will update this page and note the change date above when the policy changes.