Privacy statement.

Information Belmont gathers.

To assess and place a finance application, Belmont collects:

• Identity — full name, date of birth, residential address, photo identification
• Contact — email address, phone number
• Employment — employer, role, length of service, income
• Financial — bank statements, existing credit commitments, expenses
• Loan purpose — amount sought, intended use, security offered

For vehicle and asset finance, Belmont also collects details of the asset being financed and any existing security registered against it.

Purpose of collection.

• To assess affordability under the responsible-lending principles in the Credit Contracts and Consumer Finance Act 2003
• To verify identity and source of funds under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009
• To present a placement option to a lender on the borrower's behalf
• To respond to a borrower's instructions and queries

Disclosure to third parties.

Belmont shares an application file only with lenders the borrower has authorised in writing in the engagement letter. The lender Belmont proposes is named in that engagement letter before any submission.

Belmont may also share information with credit-reporting agencies for the purpose of credit checks (only after written authorisation), and with regulators or law enforcement where Belmont is required to under New Zealand law.

Belmont does not sell borrower information, share it with marketing partners, or use it for any purpose other than arranging the finance the borrower has applied for.

How long Belmont keeps records.

Belmont is required to retain application records for at least seven years under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009, and for at least seven years from the end of any credit contract under the Credit Contracts and Consumer Finance Act 2003. After that period, records are deleted or anonymised.

Applications that do not proceed to settlement are retained for the same statutory periods, on the basis that they are part of Belmont's anti-money-laundering and responsible-lending records.

Access and correction.

Under the Privacy Act 2020, borrowers have the right to request a copy of personal information Belmont holds and to request correction of anything that is inaccurate. Requests should be sent in writing to privacy@belmontfinance.co.nz. Belmont responds within twenty working days.

Borrowers also have the right to complain to the Office of the Privacy Commissioner if they are not satisfied with how Belmont has handled a privacy matter.

Contact.

How files are held.

Application files are stored in encrypted cloud storage accessible only to Belmont and to the lender the borrower has authorised. Belmont does not store full bank account login credentials at any point.

If Belmont becomes aware of a notifiable privacy breach affecting a borrower, Belmont will notify the affected borrower and the Office of the Privacy Commissioner as required under the Privacy Act 2020.

Website tracking.

The belmontfinance.co.nz website does not currently set tracking cookies and does not use third-party analytics or advertising tags. If this changes, this page will be updated and a cookie notice enabled.

Last updated 30 April 2026.