PRIVACY ACT 1993 DECLARATION
I understand that there is no obligation to provide personal information but failure to do so may prejudice my chance of obtaining finance. I declare that the information contained in this application is true and correct.
I authorise Loans One and all related companies (as defined in the Companies Act 1993) / or the ultimate lender, to use and disclose the personal information I have provided to undertake all necessary enquiries and request, collect, check and exchange information (both now and in the future), including but not limited to personal, commercial and financial information about me and references, from:
– Any Credit Reporting Agency credit provider,
– The NZTA (NZ Transport Agency),
– Ministry of Justice,
– my employer(s),
– or any other source,
For the purposes of assessing my creditworthiness, providing credit to me, administering and enforcing this Agreement, offering me insurance, maintaining credit records with Loans One / or the ultimate lender, a related company and external agencies, marketing goods and services provided by Loans One / or the ultimate lender, a related company or any other supplier nominated by us.
I also authorise Loans One / or the ultimate lender to disclose information about any loan arising out of this application to any potential assignee of this loan, guarantor or to any person providing services in connection with refinancing this loan, or to any person or organisation I have authorised to obtain information, at any time in the future.
I also understand and agree that in order to facilitate a Credit Reporting Agency’s credit reporting services, Loans One / or the ultimate lender will disclose to such agency information about me for that purpose, including any updates of such information. The Credit Reporting Agency will hold that information on their systems for that purpose. Loans One / or the ultimate lender will also collect and disclose my positive credit information including monthly repayment history to credit reporters. If I default in my payment obligations to Loans One / or the ultimate lender, I understand that the information about that default may be given to any Credit Reporting Agency and they may give that information about my default to other Credit Reporting Agency customers.
I also understand that:
– Loans One / or the ultimate lender will meet its obligations to me under the Privacy Act 1993,
– such information will be held by Loans One / or the ultimate lender at their business address and by other parties for the purposes described above,
– I have the right to access and correct personal information held about me in accordance with the Privacy Act 1993.
I confirm that I am not an undischarged bankrupt.
Personal Property Securities Act 1999
I waive my right to receive Verification Statements or Financing Change Statements under the PPSA. I acknowledge that I am able to request such statements by contacting Loans One / or the ultimate lender in writing.
Electronic Communication: I agree that Loans One / or the ultimate lender may use electronic communication (including email and SMS/text message) for the purpose of making disclosure to me pursuant to the Credit Contracts and Consumer Finance Act 2003, providing me with notices and/or changes to Loans One / or the ultimate lender Terms and Conditions and/or any other reason such as marketing of services and products.
Loans One / or the ultimate lender’s Commitment
The internet is an amazing tool and it’s important to us to help our customers retain their privacy when they take advantage of our website. We believe your business is no one else’s business and we are committed to protecting your privacy by complying with the Privacy Act 1993.
Information We Collect
We collect your personal information to enable us to provide you with the best products, services and personalised customer experience. We collect this information in various ways, including when you submit any one of our online forms and through the use of technologies such as web logging and site cookies.
We will collect any information directly from you, unless otherwise authorised by you or the law. We will collect your information in a fair and lawful manner.
When you submit your information to us via our website Enquiry Form, this shall not be construed as Loans One / or the ultimate lender agreeing to enter into a transaction with you. Any credit enquiries that we receive will be subject to our usual lending criteria.
How We Use Your Information
We use your personal information for three four key purposes:
i. To help you quickly find the right products and services;
ii. To help us create and develop the content on our website to make it more relevant to you; and
iii. To communicate with you or provide you with information about our products and services, and in some cases, the products and services of selected third parties;
iv. To comply with any applicable New Zealand laws (including those relating to identity verification requirements).
We may also send additional marketing material to you from time to time to update you on our finance products. By applying for a loan, you acknowledge that you have given us Express Consent & authority to do this as permitted under the New Zealand Privacy Act.
If you provide information about another person, you confirm that they have appointed you to act for them, to give express consent to the processing of their personal data, and that you have informed them of our identity and the purpose for which their personal data will be processed.
Loans One / or the ultimate lender will not use information collected about you for any purposes other than those for which it was intended unless otherwise authorised by you.
Sharing Your Information
Generally, we will only disclose your personal information with your consent or if required or as permitted by New Zealand law.
Cookies and Site Security
Loans One / or the ultimate lender has taken strong measures to protect your data from loss, misuse, unauthorised access or disclosure or alteration. Secure Server Software (SSL) or other.
Links to other Websites
Our site may contain a number of links to third party websites and online resources that are not owned or controlled by Loans One / or the ultimate lender. If we have provided links to any third party site for your assistance, this does not imply that we share or endorse the opinions expressed or material appearing on such websites. We therefore do not assume responsibility for the content or practices of any of these third parties. We strongly advise that you read the privacy statements of the sites you visit as a result of following a link posted on our site.
On the other hand, if you wish to link the Loans One / or the ultimate lender website to your website, you should request our consent in writing prior to doing so.
The use of this website will be governed by New Zealand law.
If you have any questions, or wish to contact us, please do so via the Contact Us page on this website.