1. Privacy Policy
DebtManagers is the trading name for Intercoll Services Limited, Intercoll Ledger Limited and their related companies, all trading (and collectively referred to in this Privacy Policy) as “DebtManagers”.
At DebtManagers, we respect your privacy and value our relationship with you. This privacy policy applies if we hold information about you, if you’re using or visiting our websites or applications (including our customer portal), if you’re a customer, if your debt is assigned to us, or if we engage with you while we are out in the community. It sets out how our website operates and how we collect, use, store and disclose personal information. Personal information is information about you, which could be used to identify you personally (including in conjunction with other information).
We will collect, store, use and disclose your information for the purposes, and in the ways, set out in this policy.
2. Information we collect
The types of personal information we collect will depend on your relationship with DebtManagers, including whether you are a DebtManagers customer, a user of our websites, or if your debt has been assigned to us by a creditor.
Purposes
We may collect, use, store and disclose the following categories of personal information, for any purpose which is stated to you at the time of collection or that you otherwise authorise, and for the following purposes:
To register you as a DebtManagers customer
To communicate with you
To provide products or services to you
To manage your account
To provide you with further information about us and our products or services
For research purposes (anonymised data only)
To contact you about focus groups and other initiatives which may be of interest to you
To administer and enforce any debt which has been assigned to us
To verify your identity and eligibility to use the customer portal
To assist you if you forget your username or password for any of the services we provide to you via the customer portal
To operate and improve the customer portal, including to provide you with access to any protected areas of the customer portal and to assess the performance of the Customer Portal
To carry out marketing, promotional and publicity purposes including direct marketing, market research and surveys
To determine your eligibility to receive products or services
We collect information from directly from you, and/or credit reporting agencies, current and previous employers and others like a bank or lender who may have information relevant to your credit history or from the creditor who has assigned your or your company’s debt to us (including if you are a guarantor of a debt, the creditor who assigned the guaranteed debt to us).
Personal information we collect
Contact details such as your name, email address, mailing address and telephone number
Age group and gender
Information you provide via our application forms
Other details relevant to your relationship with DebtManagers
Information required to set up direct debits with you, such as payment details, your employment status and payday information
Information about how you use or engage with our services, including payments you make to us
Information we collect from you when you communicate with us, including records and copies (such as emails, log files and screenshots) of your correspondence with us and related services
Information you submit via the customer portal or otherwise supply to us, including when you register to use the customer portal and create an account
Information that is generated through your use of the customer portal
Information you provide to us when reporting a problem with the customer portal or requesting technological assistance
Information we collect from you when you subscribe to one of our newsletters and/or consent to receiving marketing communications from us, including your name and email address
Information we collect from you when you subscribe to one of our newsletters and/or consent to receiving marketing communications from us, including your name and email address
Information about your credit history or personal finances
Information we collect when your debt is assigned to us, including:
Contact details such as your name, email address, mailing address and telephone number
Date of birth and gender
Information about the debt you owe to the original credit provider, including your account number and contract details, information about previous debt collection attempts or court proceedings,
We may also collect, use and disclose any of the information described above for any other reason permitted by the Privacy Act 2020 (for example, with your consent, for a directly related purpose, or where the law permits or requires it).
The collection, and disclosure of your personal information to us, by third parties may also be governed by terms you have agreed with them, including their privacy notices. We recommend that you review those terms and policies carefully and ensure that you are comfortable with them before sharing your information.
If you prefer us not to collect any personal information, please don’t provide us with these details, although if you don’t provide us with any information we ask for, it might mean we’re unable to deliver the assistance you need.
In addition, we may:
Collect personal information directly, or via our agents, from publicly available sources and use it for any of the purposes described above;
Check personal information against records held by government agencies (like the NZTA);
Record any telephone calls or other conversations between us and use those recordings for training, compliance, evidence, or security purposes; and
Collect information from your authorised representative instead of directly from you.
3. Information you give us about other people
If the information you provide to us includes personal information about another person, you confirm that:
You have notified them of the matters set out in this Privacy Policy;
They have authorised you to provide us that information; and
They have authorised our use and further disclosure of that information in accordance with this Privacy Policy.
4. What we use your personal information for
In addition to the purposes set out in section 2, we may use your personal information for any of the following purposes:
Assess whether you’ll be able to make any payments without coming under financial pressure and manage your account, including monitoring payments;
Let you know about changes to your account by message, email, telephone or post;
Provide other services to you and manage your relationship with us;
Help us run our business and meet any legal obligations we have; and
Conduct market research and statistical analysis.
5. Who we share information with
We may provide your information to:
Members of the DebtManagers Group (being any company or business that is associated with DebtManagers), for the purposes set out in sections 2 and 4;
Our agents and people who provide us with services, to enable them to provide services to us;
Reputable market research organisations if you have consented to this (you can choose not to opt into this if you prefer);
Credit reporting agencies who may hold and use that information to provide their credit reporting services (and refer to section 8 below);
Debt collection agencies and law firms to assist us in enforcing our rights;
Anyone we transfer our rights and obligations to in connection with your account or products, or that we are considering transferring them to, so they can continue to enforce those rights or perform those obligations;
Anyone else we need to contact to carry out your instructions;
Government agencies or regulatory authorities, to comply with our obligations under law;
Third parties where it is necessary for the sale of one of our assets or our business; and
Anyone we are otherwise permitted or required to disclose that information to by law.
We won’t provide your personal information to anyone outside DebtManagers or the DebtManagers Group for marketing purposes, except as set out in this policy.
6. Analytics and advertising
We may use Google Analytics 4 (GA4) — including Google Ads features such as remarketing, demographics & interests, and Google Signals — to understand site use and make our ads more relevant. GA4 may use cookies or similar tech to collect events (e.g., page views, clicks) and device/browser info. Manage your choices via Google.
We may use Meta Pixel and (where implemented) Conversions API with advanced matching to measure ads, build audiences and improve ad relevance on Meta technologies. This means Meta may receive information about actions you take on our site (e.g., page views, form submissions). Advanced matching may send hashed identifiers you provide (e.g., email or phone). Manage your choices in Meta Ad Preferences.
We may use Microsoft Clarity to understand how people use and interact with our website through behavioural metrics, heatmaps and session recordings, and to improve our website and advertising. Clarity may use cookies and similar technologies to collect information such as page views, clicks, scrolls, mouse movements, device/browser information and how pages display. Microsoft may collect or receive this information and process it in accordance with the Microsoft Privacy Statement. Manage your choices through your browser/cookie settings and Microsoft privacy controls.
We may use Ahrefs Web Analytics to monitor aggregate site usage and improve our content and website performance. Ahrefs may collect information such as page URL, referrer, browser/device information, country/city-level location, language, page views, outbound link clicks and form submission events. Ahrefs Web Analytics does not use cookies or persistent identifiers by default and does not store raw IP addresses.
Google, Meta, Microsoft and Ahrefs may process data outside New Zealand; where we disclose personal information overseas, we take steps required by the Privacy Act 2020.
We may use cookies and similar technologies to operate our site, remember your preferences, analyse usage, and improve the relevance of our advertising. You can control cookies in your browser. Blocking non-essential cookies may limit some features.
7. Biometric information
We may collect, from the original credit provider to which you incurred your debt, information relating to biometric processing (specifically, identity verification through biometric processing technologies) carried out by that original creditor. This may include information you provided to that creditor (such as a copy of your driver’s licence or passport) or the results of the biometric processing carried out by that creditor (such confirmation that a face ID check has been carried out and the associated match report).
We use the information we receive for the purpose of manually verifying your identity and the validity of the debt and therefore whether the debt was incurred by fraudulent means. We do not undertake any independent biometric analysis or processing of your ID information or facial image.
While there are limited manual alternatives to biometric identity verification, where biometric information is available, it is a more accurate means of establishing identity and therefore legitimacy of a debt. We similarly use the results of any biometric processing which has been carried out, to establish your identity and the legitimacy of your debt.
If DebtManagers receives information relating to biometric processing carried out in relation to you, you can request access to and correction of that information by contacting as at hello@debtmanagers.co.nz. You can also contact us if you want to raise a concern about our use of this information. You can also raise a complaint here or you can also complain to the Privacy Commissioner.
We will retain this information for a reasonable timeframe after your debt has been paid.
DebtManagers reasonably believes that the use of this information in the above circumstance is proportionate to the likely impacts on you. DebtManagers is only using this information to confirm your identity and the validity of a debt and for no other purpose.
8. Credit information
If you are a debtor of ours, we may disclose your personal information (including credit information) to Credit Reporting Agencies such as Centrix, Equifax, and Experian for credit reporting purposes and/or to update their records relating to your credit history with us. Credit Reporting Agencies:
Will collect your personal information (including credit information) from us for the purpose of providing credit reporting services to us and other subscribers of the services;
May use and disclose your information in accordance with their respective privacy notices. Please refer to their relevant privacy policies.
Under applicable law you have certain rights to request access to, and correction of, the personal information Credit Reporting Agencies hold about you.
9. Data access and correction
Under the Privacy Act 2020, you have certain rights of access to and correction of personal information that we hold. This can be done by contacting us by email at the address provided below.
10. Contacting Us
For more information on how DebtManagers manages your personal information, access, and correction, please apply in writing to:
Intercoll Services Ltd T/A DebtManagers
Private Bag 92027
Victoria Street West
Auckland, 1142
Email: hello@debtmanagers.co.nz
For further privacy information in New Zealand, visit the Office of the Privacy Commissioner’s website at www.privacy.org.nz.
11. Making a Complaint
If you believe we have breached this Privacy Policy or the Act, you may lodge a complaint by contacting:
Intercoll Services Ltd T/A DebtManagers
Private Bag 92027
Victoria Street West
Auckland, 1142
Email: complaints@debtmanagers.co.nz
Or fill out the form here.
We will strive to address your complaint promptly. If we cannot satisfactorily resolve your complaint, you may refer it to a recognized external dispute resolution scheme, of which DebtManagers is a member. For more information, please contact the Insurance and Financial Services Ombudsman Scheme here. You may also contact the Office of the Privacy Commissioner through their website.
12. Changes to this Privacy Policy
This Privacy Policy may be periodically reviewed, and we reserve the right to change it at any time. Any revised version will be published on our website.
This Privacy Policy was last updated on 1 May 2026.