Your application for a Cash Advance or 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 Cash Advance or 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 Cash Advance or Personal Loan.
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 Cash Advance or Personal Loan Agreement you enter into with us for the duration of the Cash Advance or 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 Cash Advances or Personal Loans and to assess your suitability for any future loans or credit applications you make with us.
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 (email@example.com)
In this Privacy Statement "Cash Converters Companies" means each Cash Converters franchisee, Cash Converters Finance NZ LP and Next Pay New Zealand Ltd, and their related entities, employees, contractors and agents.
Declaration and consent
You understand, authorise and consent to the terms set out in this document.