Your application for a Personal Loan

You understand that we are going to collect information about you in order:

• to decide whether it is responsible for us to lend you money; and
• if we do lend you money, to provide you with a Personal Loan and to administer your account (including recovery of any money you owe us).

We will ask you information about yourself. You can decide whether or not to provide any information that we seek. If you do not provide any information, we may be unable to lend you money.

We may contact your bank, employer, landlord, alternate contacts, credit agencies and Cash Converters Companies and ask them to verify the information you provide. You authorise them to provide any information we request.

We may obtain a credit report from a credit agency to assess your creditworthiness and verify other personal information you have provided.

We may record your IP address and any data entered into the online form while applying for a Personal Loan.

We may use third party sites and platforms to gather and deliver information in connection with your Personal Loan application. These sites are hosted and managed by organisations we do not control. Before deciding if you want to contribute information to any third party you should read their privacy policy.

You acknowledge we may store information collected about you electronically. This information will be stored at various secured hosting locations in New Zealand and throughout the world.

Providing information about you to others

You authorise us and other Cash Converters Companies to collect, hold and provide information about you to each other and:

• our employees, contractors and agents;
• debt collection agencies;
• credit reporters, so that they can report information relevant to the assessment of your creditworthiness to other agencies;
• our auditors;
• your employer(s), referee(s) and alternative contact(s);
• our bank and other participants in the payments system;
• our insurers;
• suppliers we order goods from on your behalf or in connection with your loan; and
• anybody we consider we should provide it to because of the existence, continuance or enforcement of any Personal Loan Agreement you enter into with us for the duration of the Personal Loan and then for such longer period of time as we are in the business of providing loans to consumers.

The information will be used by us and other Cash Converters Companies to maintain detailed records to administer and aid recovery of Personal Loans and to assess your suitability for any future loans or credit applications you make with us.

Marketing

You authorise us to:

• use any information we hold about you to market our goods and services to you; and
• provide any information we hold about you to other Cash Converters Companies so that they can market their goods and services to you.

Your right to access information we hold about you

You may ask to see information that we or other Cash Converters Companies hold about you and ask for any details that are wrong to be corrected by writing to us at our postal address (PO Box 6410, Wellesley Street, Auckland 1141) or email address (personalfinance@cashconverters.co.nz)

Definition

In this Privacy Statement "Cash Converters Companies" means Cash Converters (NZ) Personal Finance Ltd, and their related entities.

Declaration and consent

You understand, authorise and consent to the terms set out in this document.