Condensed Privacy Statement
This summary Privacy Statement provides a high level explanation of how Centrix Group Limited and Centrix Data One Limited (Centrix, we, us, our) collects, uses and shares your personal information.
The complete Privacy Statement can be found here. Please refer to the complete Privacy Statement for full details.
For this Statement, we have arranged our functions into three general areas:
- Centrix consumer credit reporting services (Section A).
- Centrix services (Section B).
- Other circumstances where we may collect your personal information (Section C).
Your rights:
- If you want a copy of your Centrix consumer credit report please apply here
- If you think your Centrix consumer credit report has incorrect information, please email mycreditreport@centrix.co.nz
- If you want to access or correct any other personal information we hold on you, please email helpdesk@centrix.co.nz
- If you have any queries relating to your personal information held by Centrix or this Privacy Statement or any of our privacy processes, please email helpdesk@centrix.co.nz
Centrix Contact Details
0800 236 874, helpdesk@centrix.co.nz
Centrix Group Ltd, P.O Box 62512, Greenlane, Auckland 1546 Attn: Consumer Services
Note: In all circumstances where we collect personal information, we may use and share the information where we are permitted to by the Privacy Act or any other applicable law. We will use and disclose any personal information we may hold on you if we are required to by applicable law.
A. Centrix consumer credit reporting services.
Centrix operates a consumer credit reporting bureau that provides consumer credit information services to its customers (referred to as subscribers). Our subscribers include banks, finance companies, telco/gas/electricity providers, other businesses who provide goods and services before payment, debt collectors, landlords, insurers and employers. Centrix is governed by the Credit Reporting Privacy Code 2020 (Code).
Indirect collection of personal credit information
In most circumstances Centrix collects personal credit information indirectly from our subscribers and in most cases with your consent. There may be circumstances where your consent is not required, such as where the information is sourced from a publicly available publication, or where the subscriber is a debt collector who is collecting a debt owed by you. The information we collect is limited to what is permitted in the Code and includes information about your name, address, DOB, credit applications, defaults, insolvencies, judgments, company shareholding/directorships, credit account information and periodic payments.
We may also receive information about you from other credit reporters when you request to suppress (‘freeze’) your credit report and you have asked them to share the request with us.
Direct collection of personal credit information
We may collect your personal credit information from you when you request a copy of, correction to or suppression of your Centrix credit file.
Use and disclosure of personal credit information
We may update our consumer credit reporting bureau with your personal credit information and use to provide consumer credit information services to our subscribers. Centrix may disclose your personal credit information to our subscribers, in most cases with your consent. There may be circumstances where your consent is not required, such as where the information is sourced from a publicly available publication, or where disclosure is to a debt collector who is enforcing a debt owed by you.
Centrix may also use or disclose your personal credit information in other circumstances as permitted under the Code, such as for statistical purposes where you will not be identified in any publication. Centrix will not use or disclose your personal credit information for any purpose related to marketing or direct marketing except in accordance with the Pre-screening process permitted in Schedule 10 of the Code.
Retention of personal credit information
Centrix will keep your personal credit information for no longer than required to for use in our consumer credit reporting business, but in any event, for no longer than the specified retention periods in the Code as detailed in our complete Privacy Statement.
Breach of Code and Summary of Rights
If you think Centrix has breached the Code, please email helpdesk@centrix.co.nz and we will investigate your complaint in accordance with our complaints procedure. If you are not satisfied with the outcome of your complaint you may complain to the Privacy Commissioner. Details of how to do so can be found on the Commissioner’s website www.privacy.org.nz.
A summary of your rights under the Code can be found at summary of your rights.
B. Other Centrix Services
Centrix also collects personal information to provide other credit and risk information and data intelligence services, including identity verification services, consumer affordability services, motor vehicle checks, business credit checking and analytical services. In most cases when providing these services, Centrix collects and processes the personal information on behalf of its customers requesting the services, and not for Centrix’ own purposes.
Note: For these other Centrix services, Centrix does not use any personal credit information it collects for use in its consumer credit reporting services.
Indirect collection
Centrix collects personal information indirectly from third parties and publicly available publications. The type of personal information we may collect includes name, address, email address, property ownership details, company director/shareholder information and your NZBN. With your consent we may collect bank account details and account transaction data.
Use and disclosure
We primarily use and disclose your personal information to provide services to our customers, for analytical, research and statistical purposes and to improve our products and services. The type of customer to whom we may disclose your personal information will depend on the particular service, but may include credit providers, insurers and other third parties (some of which you may have a relationship with).
C. Other circumstances we may collect personal information
Sole trader, customer staff and organisations we have dealings with
If you are a sole trader using our services, or if you work for any of our customers, a business, organisation or industry body that we have dealings with or you contact us we may collect your personal information such as your name, contact details, job title, organisation details and if you are a customer your billing and bank account information as well as your capacity to pay your invoices. We may collect this information directly from you, or indirectly from your employer, business colleague or an organisation you have a connection with or from a publicly available publication. We primarily use and disclose this information to contact you, provide our services, market to you, send you our analytical reports, insights or newsletters or for dealing with your enquiry.
Contractors and third party service providers
If you are a contractor or third party service provider to us, we may collect your personal information such as your name, contact details, job title, organisation details and bank account details and if you are a customer we may collect your information relating to billing and payment as well as your capacity to pay your invoices. This information may be provided to us by you or indirectly by the contractor organisation or service provider who you work for. We primarily use and disclose this information to contact you, to consider your suitability to provide services to us and for purposes related to the services that you are providing us.
Attending our offices
If you attend our offices we have CCTV cameras operating please see our CCTV privacy policy. While on our Office premises if you are provided with an access card or fob we may collect information about your movements within the Office premises and the building. If you are provided with a car park we may collect details about your car and car registration. We may use this information for the same purposes of collection of CCTV images (see CCTV privacy notice above).
Mailchimp, LinkedIn, Google and cookies
We use service providers that may collect your personal information such as Mailchimp, LinkedIn and Google and cookies as detailed in our complete Privacy Statement.
D Data Security and Retention
Centrix takes reasonable steps to protect personal information against loss, unauthorised access, use, modification or disclosure and any other misuse. Except as otherwise set out in the complete Privacy Statement, we will retain your personal information for no longer than necessary for the purposes in which it is collected.
Last Updated
The complete Privacy Statement was last updated in March 2026.