Skip to content
Businessloans.org.nz

Privacy Policy

Last reviewed 5 May 2026.

Businessloans.org.nz (the “Site”) is committed to protecting the privacy of visitors. This policy explains what information we collect, how we use it, and the limits we operate under, consistent with the Privacy Act 2020 and the thirteen Information Privacy Principles (IPPs) set by the Privacy Commissioner. It works alongside the Terms of Use.

1. Summary

We do not run forms, sign-up flows, or lead-capture on this Site. We do not ask for, collect, or store any personally identifiable information about visitors. Calculator inputs stay in the visitor's browser. We use Google Analytics 4 for aggregate, non-personal traffic data only. When a visitor clicks through to Prospa they leave our Site, and Prospa's privacy policy applies from that point.

2. What we collect

Calculator inputs (loan amount, term, indicative rate) are processed entirely in the visitor's browser. Outputs (weekly repayment, monthly cost, total interest) are computed client-side. None of these inputs or outputs are transmitted to a server we control, written to our database, or shared with any third party.

For aggregate Site analytics we use Google Analytics 4 (GA4). GA4 collects standard web-analytics data: page views, referrer URL, anonymised IP, device type, browser type, operating system, screen size, language, time on page, and event data such as which calculators were used and which CTA was clicked. GA4 data is collected in aggregate and we do not collect or transmit any personally identifiable information through GA4.

3. What we do not collect

We do not collect names, email addresses, phone numbers, business names, NZBN numbers, IRD numbers, bank statements, ID documents, business financials, or any other identifying or sensitive information through the Site. The Site has no contact form fields, sign-up flow, account creation, newsletter subscription, comment system, or chat widget that would collect personal information.

The contact page directs visitors to send email directly. Any information shared by email is governed by the visitor's own choice of what to send and is used solely to respond to the enquiry.

4. Cookies and analytics

The Site uses cookies set by Google Analytics 4 for analytics purposes only. These cookies record an anonymised visitor identifier so GA4 can distinguish unique visitors from returning visitors in aggregate. The cookies do not store personal information. You can disable cookies in your browser settings; doing so does not affect the calculator's operation.

We do not use advertising cookies, retargeting pixels, or third-party tracking pixels on the Site. We do not sell or share analytics data with advertisers.

5. When you click “see if you qualify”

Clicking the calculator's “see if you qualify” CTA redirects the browser to Prospa's application URL at apply.prospa.co.nz. From that point, the visitor is on Prospa's domain and Prospa's privacy policy applies. We do not pass calculator inputs across the redirect. Prospa's application begins fresh with whatever Prospa chooses to ask.

We attach a non-personal partner-tracking tag to the redirect URL so Prospa can attribute the referral to us for commission purposes. The tag identifies us as the referring partner; it does not contain any personal information about the visitor.

6. CCCFA framework at the lender level

The Credit Contracts and Consumer Finance Act 2003 (CCCFA) framework, including responsible-lending obligations and disclosure requirements, applies at the lender level. Prospa, as a registered NZ lender, holds the CCCFA framework appropriate to its lending activity. Where a sole trader's borrowing is wholly or predominantly for personal use, or where a director provides a personal guarantee, CCCFA protections may apply to that transaction. Those protections are administered by the lender, not by the Site.

7. Your rights under the Privacy Act 2020

Under the Privacy Act 2020, individuals in New Zealand have the right to access and correct personal information held about them by an agency. Because the Site does not collect personal information through forms or accounts, in practice this right is exercised against the parties who do hold relevant information, namely Prospa (after a visitor clicks through and applies) and Google (in respect of GA4 analytics data).

For Prospa data, contact Prospa directly through prospa.co.nz. For GA4 data, Google's privacy controls and Google Account data tools are the relevant access path. The Office of the Privacy Commissioner (privacy.org.nz) is the primary New Zealand source for guidance on individual privacy rights and the IPPs.

8. Data retention

Because the Site does not collect personal information directly, there is no personal-data retention schedule. GA4 aggregate data is retained for the standard GA4 retention window (currently up to 14 months for event-level data, set in the GA4 property configuration). Aggregate, anonymised analytics data may be retained indefinitely for trend analysis.

9. Third parties

The Site uses the following third-party services. Google (Google Analytics 4) processes the analytics data described in section 2. Google Fonts serves the Inter and Plus Jakarta Sans font families used on the Site; this involves a font request to fonts.googleapis.com that is governed by Google's privacy policy. Cloudflare hosts the Site (via Cloudflare Pages); Cloudflare's privacy policy applies to its hosting, edge-network, and CDN services.

10. Children

The Site is intended for adult business owners, decision-makers, and finance professionals in New Zealand. We do not knowingly collect any information from children, and the Site is not directed at children.

11. International transfer

The third-party analytics and infrastructure providers used by the Site (Google, Cloudflare) operate global networks. Aggregate analytics data may therefore be processed on servers outside New Zealand. The Site does not directly transfer personal information overseas because the Site does not collect personal information.

12. Changes to this policy

This policy may be updated from time to time. The “Last reviewed” date at the top of this page reflects the most recent change. Material changes (for example, the addition of a lead-capture form or the introduction of a new third-party service that handles personal information) will be flagged in the disclaimer band on every page.

13. Contact

Privacy questions can be sent through the contact page. Complaints about how the Site handles privacy may also be raised with the Office of the Privacy Commissioner (privacy.org.nz).

Disclaimer

Indicative content only. Not personalised financial advice.

A business loan is a commitment that runs for months or years, and repayments come out of the same operating cash flow as everything else. Before committing, it is worth modelling the weekly and monthly cost against the business's working-capital position, which is what this site is built to help with. Borrowing at a level that stays comfortable through a quiet quarter, not just a strong one, is widely regarded as the safer frame.

What this site is

A calculator and information tool. Not a lender, not a broker, not a registered financial adviser. Nothing here is personalised financial advice.

What the figures show

Modelled estimates based on the inputs you enter. Not a quote. Not an offer of credit. Not a guarantee of approval, rate, or fees.

What the lender decides

Final rates, fees, and approval are set by the lender after a CCCFA-appropriate assessment of the applicant's circumstances and credit decision.

Commercial disclosure

Businessloans.org.nz earns a commission from Prospa when a visitor applies through this site and their application is approved. The commission is paid by Prospa, not by the borrower, and it does not influence the rate Prospa offers. Full disclosure on the partner page.

Tax, GST, and accountant framing

Tax-treatment statements (GST claim timing, interest deductibility, depreciation rates) are general in nature and subject to your accountant's confirmation on the specific business position. For material amounts, professional advice from a registered financial adviser or chartered accountant is widely regarded as the safer frame.

This page is
coming soon.

Important information

About this site, the figures, and your protections.

Last reviewed 5 May 2026.

1. What this site is

Businessloans.org.nz is a New Zealand education site and a free repayment calculator. It is not a lender, not a broker, and not a registered financial adviser. We do not arrange credit, hold client money, or provide regulated financial advice as defined under the Financial Markets Conduct Act 2013 Part 6 or the Financial Services Legislation Amendment Act 2019. Nothing on this site is personalised financial advice.

2. The calculator and figures

All numbers shown by the calculator, in worked examples, and across the site are indicative only and modelled from the inputs entered. The figures are not a quote, not an offer of credit, and not a guarantee of the rate, fees, term, or approval available to any specific business. Final pricing, fees, and approval are set by the lender after the lender's own credit assessment.

3. General information, not advice

Content on this site is general information (class information). It does not take into account the financial situation, objectives, or needs of any particular business or person. Before making a borrowing decision, professional advice from a licensed Financial Advice Provider, a chartered accountant, or a solicitor is widely regarded as the safer frame, particularly where amounts are material or the borrowing involves a personal guarantee.

4. Commercial relationship with Prospa

When a calculator user clicks "see if you qualify", the application hands off to Prospa, our New Zealand SME finance partner. Businessloans.org.nz earns a referral commission from Prospa when a referred application converts to a funded loan. The commission is paid by Prospa, not by the borrower, and does not change the rate, fees, or terms Prospa offers the business. We do not claim Prospa is the cheapest or best lender for every applicant. Full disclosure is on our partner page.

5. Tax, GST, and accountant framing

Tax-treatment statements (GST claim timing, interest deductibility, depreciation rates) on this site are general in nature and subject to confirmation by your accountant on the specific business position. For material amounts, professional tax advice from a chartered accountant is widely regarded as the safer frame. Inland Revenue is the primary source for any specific NZ tax-treatment question.

6. Privacy and personal information

Consistent with the Privacy Act 2020, we do not run lead-capture forms on this site. Calculator inputs stay in the browser and are not transmitted to a server we control. We use Google Analytics 4 for aggregate, non-personal traffic data only. When a visitor clicks through to Prospa they leave our site, and Prospa's privacy policy applies. The Credit Contracts and Consumer Finance Act 2003 (CCCFA) framework applies at the lender level where a sole trader's borrowing is wholly or predominantly for personal use, or where a personal guarantor is involved.

7. Fair dealing posture

This site operates under the fair-dealing requirements of the Financial Markets Conduct Act 2013 Part 2 and the Fair Trading Act 1986. We avoid misleading or deceptive conduct, false representations, and unsubstantiated claims. Numeric or regulatory claims are hedged or sourced to a primary New Zealand authority (NZTA, MBIE, Inland Revenue, Reserve Bank of New Zealand, Stats NZ, Commerce Commission, Financial Markets Authority).

8. Limitation of liability and governing law

To the maximum extent permitted by New Zealand law, Businessloans.org.nz, its operators, and its contributors are not liable for any loss or damage (direct, indirect, consequential, or otherwise) arising from use of the site or reliance on its content, indicative figures, or third-party information. These terms are governed by the laws of New Zealand. Any disputes are to be resolved in New Zealand courts.

Long form: terms, privacy, footer disclaimer.