Nectar Group Limited

He Tirohanga Whānui me te Hītori o Nectar Group Limited

Ko Nectar Group Limited, e hokohoko ana hei Nectar Money, he kaituku moni kore pēke nō Aotearoa e whai mana ana ki te tuku tere pūtea mā te hangarau. He kamupene i whakatūria i te tekau mā whā o Hepetema, rua mano tekau mā rua (2012), ā, i tīmata tana mahi tuku tarewa matihiko i te rua mano tekau mā ono (2016) i raro i te ingoa Nectar Money. Nā tēnei kamupene i kawe mai he huarahi hou ki te wāhanga tuku moni whaiaro i Aotearoa, e aro ana ki te tere me te ngāwari o te mahi.

I te tīmatanga, i tautokona a Nectar e ngā kaipupuri moni whai rawa, engari i te Poutū-te-rangi rua mano rua tekau mā tahi (2021), i whakapūmau rātou i tētahi whakaurunga nama kore mutunga me GCI Funds. I piki ake tēnei ki te tekau mā waru miriona tāra (NZD 18 miriona) i te Whiringa-ā-nuku rua mano rua tekau mā rua (2022), e whakaatu ana i te kaha o te kamupene ki te tipu haere. Ko te aronga matua o Nectar ko te tuku tarewa whaiaro kāore e pūmau me ngā tarewa motokā pūmau, e whai ana ki ngā tangata e hiahia pūtea tere ana mō ngā take ohorere, te whakakotahi nama, te hoko waka, me ngā whakapainga kāinga. Ko te kaiwhakarewa me te Tumuaki o Nectar ko Symon Nausbaum, he mātanga o mua i roto i ngā take nama a te kaihoko.

He mea motuhake a Nectar nā tana whakamahi i te hangarau whakatau nama i te wā tūturu. Mā tēnei ka taea e rātou te tuku whakatau tere, me te tuku pūtea i te rā kotahi, mā te tukanga matihiko katoa. Kāore he peka tinana, he tari rānei; he mea katoa kei runga ipurangi, e wātea ana ki ngā tāngata puta noa i te motu. He tauira tēnei o te pikinga o te hangarau pūtea (fintech) i Aotearoa, e whai ana ki te whakangāwari i te uru atu ki ngā ratonga pūtea mō te katoa.

Ngā Ratonga Moni Tarewa me ngā Utu o Nectar Group Limited

Ka tukuna e Nectar Group Limited ngā momo tarewa e rua ki ngā kaihoko i Aotearoa, e wātea ana mā te ipurangi. He mea hoahoa ēnei tarewa kia tere ai te uru atu ki te pūtea, me te ngāwari hoki o ngā tikanga utu.

1. Tarewa Whaiaro Kākore e Pūmau (Unsecured Personal Loan)

• Raupapa Moni: Ka taea e ngā kaihoko te tono i waenga i te rua mano tāra (NZD 2,000) ki te whā tekau mano tāra (NZD 40,000).
• Reiti Huamoni: Ko te reiti huamoni ā-tau ka tīmata mai i te tekau mā tahi ira iwa rima ōrau (11.95%) ka eke ki te rua tekau mā iwa ira iwa rima ōrau (29.95%). He reiti pūmau tēnei mō te wā katoa o te tarewa.
• Wā Whakaea: Ka taea te whiriwhiri i te wā whakaea mai i te ono marama ki te rima tau.
• Ngā Utu:
  • Utu Whakauru: Rua rau e whā tekau tāra (NZD 240).
  • Utu Whakahaere: Kotahi tāra e whitu tekau mā rima heneti (NZD 1.75) mō ia utu.
  • Utu Whakakore Utu (Dishonour Fee): Tekau mā rima tāra (NZD 15) mō ia utu ka kore e puta.
  • Utu Whakatūpato (Overdue Fee): Rua tekau mā rima tāra (NZD 25) ia marama mō ngā utunga takamuri.
  • Utu Whakatikatika (Variation Fee): Toru tekau tāra (NZD 30) mō te whakarerekē i ngā tikanga tarewa.
• Pūmau: Kāore he pūmau e hiahiatia ana mō tēnei momo tarewa.

2. Tarewa Motokā Pūmau (Secured Car Loan)

• Raupapa Moni: Ka taea te tono i waenga i te rua mano tāra (NZD 2,000) ki te whā tekau mano tāra (NZD 40,000).
• Reiti Huamoni: He ōrite ki te tarewa whaiaro kāore e pūmau, mai i te tekau mā tahi ira iwa rima ōrau (11.95%) ki te rua tekau mā iwa ira iwa rima ōrau (29.95%) ā-tau, he pūmau hoki.
• Wā Whakaea: Ka taea te whiriwhiri i te wā whakaea mai i te kotahi tau ki te rima tau.
• Ngā Utu: He ōrite ngā utu ki ngā tarewa whaiaro kāore e pūmau.
• Pūmau: Ka noho te waka e hokona ana hei pūmau mō te tarewa.

Ka taea e ngā kaihoko te whiriwhiri i ngā utu ā-wiki, ā-rua wiki, ā-marama rānei, kia taurite ai ki o rātou wā utu. He mea nui kia āta pānui i ngā tuhinga katoa me te mōhio ki ngā reiti me ngā utu katoa i mua i te hainatanga o tētahi kirimana tarewa.

Te Tukanga Tono me te Hangarau a Nectar

Ko te tukanga tono tarewa ki Nectar he mea oti katoa i runga ipurangi, he tino tere, he ngāwari hoki. Ka whakamahia e Nectar te hangarau hou hei whakarite kia tere te mahi me te haumaru o ngā raraunga a te kaihoko.

Te Tukanga Tono:

1. Tono Ipurangi: Ka tīmata te katoa o te tukanga mā te paetukutuku a Nectar (nectar.co.nz), he mea hoahoa kia pai mō ngā waea pūkoro. Kāore he taupānga waea pūkoro taketake, engari he tino pai te wheako kaiwhakamahi mā te pūtirotiro paetukutuku o te waea.
2. Whakaū Tuakiri (KYC): Me whakaū ngā kaihoko i tō rātou tuakiri mā te whakamahi i tētahi raihana taraiwa o Aotearoa, he uruwhenua rānei. He wāhanga nui tēnei o te tukanga kia ū ai ki ngā ture.
3. Tātari Tauākī Pēke: Ka whakamahia e Nectar te API Credit Sense mō te tātari tauākī pēke. Mā konei ka taea e ngā kaihoko te takiuru haumaru ki tā rātou pēke ipurangi, kia taea ai e Nectar te arotake i te kaha o te kaihoko ki te utu tarewa i te wā tūturu. He tere, he haumaru hoki tēnei, ā, ka āwhina i te whakatau tere.
4. Whakatau Nama Aunoa: Ka whakauruhia e te pūnaha a Nectar ngā raraunga mai i te tari nama, ngā tirohanga mai i ngā tauākī pēke, me ā rātou tauira mōrearea ake. Mā konei ka puta he whakatau nama, me tētahi whakatau tata-moni whaiaro, i roto i te whitu meneti noa iho.
5. Tuku Pūtea: Ki te whakaaetia te tono, ka tukuna ngā pūtea ki te pēke o te kaihoko i Aotearoa i te rā kotahi. He mea nui tēnei mō ngā tāngata e hiahia pūtea tere ana mō ngā wā ohorere.

Ngā Āhuatanga Hangarau me te Wheako Kaiwhakamahi:

Ahakoa kāore he taupānga waea pūkoro motuhake a Nectar, he tino pai tō rātou paetukutuku mō ngā waea pūkoro, e tuku ana i ngā āhuatanga katoa e hiahiatia ana. Ka taea e ngā kaihoko te uru atu ki tētahi papatohu ipurangi hei whakahaere i tā rātou tarewa, hei tirotiro i ngā utunga, ā, hei tono anō hoki i tētahi tāpiringa pūtea ki te mea e hiahia ana. He mea hoahoa te pūnaha kia māmā ai te whakamahi, kia mōhio ai te kaihoko ki te āhua o tana tarewa i ngā wā katoa.

E whakaatuhia ana te pai o te wheako kaiwhakamahi e ngā arotake mai i Feefo me Google, e eke ana ki te whā whetū (★★★★☆) i te toharite. He maha ngā mihi e pā ana ki te tere o te whakaaetanga me te pai o te tautoko mā te waea, e tohu ana he mea nui ki a Nectar te ratonga kaihoko me te hangarau hei whakangāwari i te tukanga tarewa.

Te Tūnga Ture, Ngā Arotake Kaihoko me te Whakataetae

He mea nui kia mōhio ki te tūnga o Nectar Group Limited i roto i te ao ture me te pūtea o Aotearoa, me te tūnga hoki o rātou ki te taha o ō rātou kaiwhakataetae.

Te Tūnga Ture me te Raihana:

Kua raihanatia a Nectar i raro i te Ture Kirimana Nama me te Tiaki Kaihoko 2003 (Credit Contracts and Consumer Finance Act 2003, CCCFA). Ko tēnei ture e whakarite ana i te tika me te mārama o ngā kirimana nama i Aotearoa. Ka tirotirohia e te CCCFA ngā tauākī whakaatu me ngā kirimana tarewa a Nectar, e wātea whānui ana ki te iwi. Kāore anō kia kitea he mahi whakahaere ture, he whiu rānei i runga i ngā rekoata tūmatanui mō Nectar. He tohu tēnei i tō rātou ū ki ngā tikanga ture me te tiaki i ngā kaihoko, e whakarato ana i te mārama o ngā reiti, ngā utu, me ngā tikanga.

Hei wāhanga o te tiaki kaihoko, ka pūrongo a Nectar i ngā utunga a ngā kaihoko ki ngā tari nama o Aotearoa ia marama. Mā tēnei ka āwhina i ngā kaihoko ki te hanga, ki te whakapai ake rānei i tō rātou kaute nama mēnā ka tika tā rātou utu.

Ngā Arotake Kaihoko me te Kounga Ratonga:

Ko Nectar he kamupene e rongonui ana mō te tere me te ngāwari. E whakaatuhia ana tēnei e ngā arotake pai mai i ngā kaihoko i runga i ngā papanga pēnei i a Feefo me Google, e toharite ana kia whā whetū (★★★★☆). He maha ngā kaihoko e mihi ana ki te tere o te whakaaetanga me te wātea o te tautoko mā te waea. Kua riro i a Nectar te tohu "Feefo Trusted Service Award", me te rima whetū arotake neke atu i te kotahi rau e rima tekau (150) i roto i te tau kua hipa. Ahakoa tēnei, he ruarua ngā amuamu e pā ana ki ngā utu whakahaere me ngā raru iti i roto i ngā utunga ā-nama tika.

Te Tūnga ki te Mākete me ngā Kaiwhakataetae:

E tū ana a Nectar hei kaiwhakataetae kaha i roto i te mākete tuku nama whaiaro kore pēke i Aotearoa. Ka whakataetae rātou me ētahi atu kaituku nama matihiko pēnei i a Harmoney me Squirrel, tae atu ki ngā kamupene pūtea tuku iho. Ko te mea e rerekē ai a Nectar ko tō rātou tere o te whakatau nama matihiko, te tuku pūtea i te rā kotahi, me te wātea o ngā momo tarewa e rua (kāore e pūmau me te pūmau). Ko te pikinga o tā rātou whakaurunga pūtea mai i te toru miriona tāra (NZD 3 miriona) ki te tekau mā waru miriona tāra (NZD 18 miriona) i waenga i te rua mano rua tekau mā tahi (2021) me te rua mano rua tekau mā rua (2022) e whakaatu ana i tō rātou kaha ki te tipu me te whakanui i tā rātou mahi.

Ko te whāinga a Nectar hei ā muri ake ko te uru atu ki ngā pūtea pēke rarawe, e whakaatu ana i tō rātou wawata kia nui ake tō rātou tūnga ki te mākete. Kei te tuwhera hoki rātou ki ngā hononga me ngā kaihokohoko me ētahi atu papanga hangarau pūtea (fintech).

He Tohutohu Whaihua mō te hunga e hiahia Tarewa ana

I mua i te whakatau ki te tono tarewa mai i Nectar, he mea nui kia āta whakaaro me te whai i ētahi tohutohu whaihua kia tika ai tō whakatau pūtea.

1. Whakatauritea Ngā Kōwhiringa: Ahakoa he pai ngā ratonga a Nectar, he mea nui kia tirohia ngā kōwhiringa tarewa mai i ētahi atu kaituku nama i Aotearoa. Whakatauritea ngā reiti huamoni, ngā utu, me ngā tikanga kia kitea ai te mea tino pai mō tō āhua. Kia mōhio hoki kei te rere kē ngā reiti i runga i tō kaute nama me te momo tarewa.
2. Mōhio ki Ngā Utu Katoa: Kia kore koe e ohorere, āta pānui i ngā tuhinga e pā ana ki ngā utu. Kei a Nectar ngā utu whakauru, ngā utu whakahaere ā-utu, me ngā utu mō ngā utunga takamuri, utu kore-puta rānei. He mea nui kia mōhio koe ki ēnei katoa i mua i te whakaae ki tētahi kirimana.
3. Tonoa te Mea e Hiahia Ana Anake: Tonoa te moni e tino hiahiatia ana e koe. Ahakoa ka tukuna e Nectar ngā tarewa ki te whā tekau mano tāra, ehara i te mea me tono e koe te nui rawa. Ko te nui ake o te tarewa, ka nui ake te utu huamoni ka utua e koe.
4. Kia Mōhio ki Tō Kaha Utu: Me tino mōhio koe ka taea e koe te whakahoki i te tarewa i runga i ngā tikanga kua whakaritea. Whakamahia te pūnaha tātari tauākī pēke a Nectar hei āwhina i a koe ki te mōhio ki tō kaha utu, engari me mahi hoki i āu ake tātari. Kaua e wareware ki ētahi atu whakapaunga i roto i tō pūtea.
5. Whiriwhiria te Wā Whakaea Tika: Ka tukuna e Nectar ngā wā whakaea mai i te ono marama ki te rima tau. Ko te wā poto ake ka nui ake ngā utunga ā-wā, engari ka iti ake te huamoni ka utua e koe i te mutunga. Ko te wā roa ake ka iti ake ngā utunga ā-wā, engari ka nui ake te huamoni katoa. Whiriwhiria te mea e taurite ana ki tō kaha utu me tō whāinga pūtea.
6. Whakamahia te Paetukutuku Pukoro: Ahakoa karekau he taupānga taketake, he tino pai te paetukutuku a Nectar mō ngā waea pūkoro. Whakamahia tēnei ki te whakahaere i tō tarewa, ki te tirotiro i tō toenga, ki te whakapā atu rānei ki te tautoko kaihoko mēnā e hiahiatia ana.
7. Whakapa atu ki te Tautoko: Mēnā he pātai āu, he raru rānei, kaua e whakaroa ki te whakapā atu ki te rōpū tautoko a Nectar. E mōhiotia ana rātou mō te pai o tā rātou tautoko mā te waea, ā, ka taea e rātou te āwhina i a koe ki te whakatau i ō take.

Mā te whai i ēnei tohutohu, ka taea e koe te whakatau pūtea mārama me te whai hua ina whakaaro koe ki te tono tarewa mai i Nectar Group Limited.