Last updated: 15 September 2025
Who we are: “Carma”, operated byWholesale Assets Limited (NZBN: [xxxxxxx]), Auckland, New Zealand.
Contact: sell@carma.co.nz
Quick summary: This site helps Auckland car owners submit vehicle details so we can assess a purchase. We use cookies/analytics, and (with your rego) we may pull vehicle data from InfoAgent and run checks (e.g., PPSR). Full details below.
1) Using this website
By browsing or submitting forms on carma.co.nz, you accept these Terms. If you don’t agree, please don’t use the site.
The service is currently Auckland, Tauranga and Hamilton-only. Content is for NZ residents and NZ vehicles.
We may change these Terms at any time by updating this page. Material changes will be sign-posted on the site.
2) Not advice / no listings
We don’t run a marketplace or listings. This site is only for requesting a direct offer from Carma.
Website content is general information, not legal, financial, or technical advice.
3) Your responsibilities
When you submit a form, you confirm:
the information you provide is true, accurate and not misleading;
you’re the owner or have authority to act for the owner;
you won’t introduce malicious code, try to scrape, or disrupt the site.
We may refuse or cancel an enquiry that breaches these Terms.
4) Intellectual property
All content, logos and design on the site belong to Carma (or our licensors). Don’t copy, reproduce or alter anything without written permission.
5) Third-party links & tools
We use reputable providers (hosting, analytics, payments/comms, InfoAgent, etc.). External sites have their own terms and privacy. We’re not responsible for their content or practices.
Privacy Policy (NZ)
We follow the Privacy Act 2020 and the NZ Information Privacy Principles (IPPs).
6) What we collect
What you give us
Contact details (name, email, phone), location/suburb
Vehicle details you enter (rego, make/model, year, kms, condition, notes, photos)
Comms preferences and messages
What we get automatically
Device, browser, IP, pages viewed, and interactions (via cookies/analytics)
Campaign/advertising identifiers (e.g., GCLID, FBCLID) for attribution
What we obtain from trusted sources
With your rego, we may pull vehicle attributes (make/model/variant, year, VIN where available) via InfoAgent and run PPSR/security-interest checks to verify ownership and help with valuation and fraud prevention.
7) Why we collect it (purposes)
To assess your vehicle and contact you about a potential purchase
To schedule an on-site appraisal and complete a transaction if you accept our offer
To run identity/ownership/finance checks (e.g., PPSR) and meet legal/AML obligations
To improve the website and our campaigns (analytics/attribution)
With your consent, to send occasional updates/service notices
Lawful grounds: performance of a contract (or steps before it), legitimate interests (operating a safe and efficient purchase process), consent (e.g., non-essential cookies/marketing), and compliance with NZ law.
8) Sharing your information
We share data only as needed with:
Service providers (hosting, CRM/email like Campaign Monitor, analytics, ad platforms for attribution, cloud storage) under confidentiality/processing terms
InfoAgent and similar data providers for vehicle/ownership checks
Banks and lenders to settle finance where applicable
Authorities where required by law (e.g., Waka Kotahi notifications)
We don’t sell personal information.
9) Storage, security & international transfer
Data is stored in NZ and/or reputable cloud regions (e.g., AU/US/EU) with access controls and encryption at rest/in transit where supported. Some providers may process data overseas under standard safeguards (contractual clauses, access controls). No system is perfectly secure, but we take reasonable steps to protect your information.
10) Retention
Enquiries and related records: generally up to 24 months (or longer if you sell to us, for legal/transaction records).
Analytics/advertising identifiers: follow provider defaults or our internal retention rules (typically 14–26 months).
We delete or anonymise when no longer needed.
11) Your rights (NZ)
You can request access to and correction of your personal information. To exercise your rights, email hello@carma.co.nz
. If we can’t meet a request, we’ll explain why. You can also contact the Office of the Privacy Commissioner in NZ.
12) Marketing communications
If you opt in, we may send occasional updates. You can unsubscribe any time (links in email), or reply STOP for SMS where supported. Transactional messages about your enquiry or sale may still be sent.
Cookies & Similar Technologies
13) What cookies we use
We use:
Strictly necessary (site operation, security, form state)
Analytics (e.g., Google Analytics 4) to understand visits and improve performance
Advertising/attribution (e.g., Google Ads, Meta Pixel) to measure ad effectiveness and reduce irrelevant ads
Examples (may vary):
ga, _ga* (analytics); _gcl_au (Google Ads); _fbp, _fbc (Meta); session cookies for form flow.
14) Your choices
Browser controls: You can block or delete cookies in your browser settings.
Third-party opt-outs:
Google: Ads Settings / GA opt-out add-on
Meta: Ad Preferences / Off-Facebook activity
Blocking some cookies may affect site features (e.g., remembering form progress).
Questions about these Terms, Privacy or Cookies? Email: sell@carma.co.nz
Legal bits (the necessary fine print)
15) Disclaimers & liability
We provide the site “as is”. To the extent allowed by NZ law, we exclude warranties not stated here and limit liability for indirect or consequential loss. Nothing here limits rights you may have that cannot be excluded under NZ law.
16) Indemnity
You agree to indemnify Carma against losses arising from your breach of these Terms or misuse of the site.
17) Changes, suspension, termination
We may update, suspend or withdraw the site (or features) without notice. We’re not liable if the site is unavailable.
18) Governing law
These Terms are governed by New Zealand law. The NZ courts have non-exclusive jurisdiction.
Version control
Version: v1.0
Effective date: 15 September 2025