Privacy

Linsa Finance Limited (Linsa)

1. I promise that everything I have said in this application form is true and correct. I hereby declare that the information provided in my application to Linsa is true and correct.
2. I understand that Linsa will ask other people whether or not I pay my bills on time. Linsa will also check other information about me so it can decide whether or not it wants want to lend to me. It will check to see what security I have given over my property before. For example, Linsa may check against my name to see whether or not anything I own is on hire purchase. I understand that Credit Checks and PPSR Checks will be obtained to enable the processing of my loan application.
3. So that the lender can decide to lend to me or not, I declare that I am not an undischarged bankrupt and know of no legal actions pending in the foreseeable future that have the potential to result in judgements against me, or bankruptcy.
4. I understand that in order to process my loan application Linsa is asking me to provide personal information about myself and that Linsa will use that information to access Veda Advantage’s, Centrix and/or other credit reporting services and undertake a credit check on me.
5. I understand that the provision of my driver’s licence number is voluntary and that my driver’s licence number will be provided to Veda Advantage/Centrix as part of processing a credit check.
6. I understand that Veda Advantage/Centrix and/or other credit services will give Linsa information about me for the purpose of assessing my loan application and that Linsa will give Veda Advantage/Centrix and/or other credit agencies information which will be held by those credit agencies on their systems and will be used to provide future credit reports. This means that the information I give Linsa and which Linsa passes on to Veda Advantage/Centrix and/or other credit agencies will be given to their respective customers who also use the particular credit reporting service. In addition I understand that motor vehicle register and PPSR checks may be obtained to enable the processing of this loan application.
7. I understand that Linsa may use Veda Advantage/Centrix and/or other party’s credit reporting services in the future in relation to the provision of credit to me. This may include using monitoring services and receiving updates if any of the information held about me changes.
8. If I default in my payment obligations to Linsa, I understand that information about my default may be given to Veda Advantage/Centrix and/or any other credit reporting services; information about my default may then be given to their respective customers.
9. I understand that I can access my personal credit information from Veda Advantage/Centrix and/or other credit services, and that if it is incorrect, request that it be corrected. Information held by Veda Advantage can be accessed through their website www.mycreditfile.co.nz or by writing to Veda Advantage at Private Bag 92156, Victoria Street, Auckland. Information held by Centrix can be accessed through their website www.centrix.co.nz/Personal/Get+my+credit+report.html or by writing to Centrix at PO Box 62512, Greenlane, Auckland.
10. I authorise Linsa to process Centrix Smart ID report in accordance with the requirements of the Anti-Money Laundering and Countering Financing of Terrorism Act 2009.
11. I hereby irrevocably authorise Linsa and its successors and assigns to contact the following people or organisations, and they may give to and seek from them such personal, financial and commercial information as Linsa deems necessary relating to any loan application with them, the administration of any loans, and any ongoing debt recovery:
12. any other finance providers, or bank/s with which I have dealings with, or appear to have had previous dealings;
13. any government departments where that is directly material to my financial position;
14. any budget advisors I have used or use;
15. past or present employers;
16. past or present landlords;
17. credit reporting agencies;
18. relatives and referees, or other contacts that I have listed and any other person or organisations about which I have provided information to Linsa in the process of making this loan application.
19. debt collection agencies, solicitors, other creditors
20. In the event of default, I/we acknowledge and agree that item 11(g) may include supplying information to my family or other members of my household if Linsa is unable to make contact with me/us.
21. I acknowledge and agree that any costs relating to possible debt recovery are payable by me and that a default will be recorded against my credit history for non payment of debts incurred with the Linsa.
22. I understand and agree that the information on this form may be exchanged with other credit providers or other third parties to assist with the recovery of my debts.
23. I agree that you may produce this authority to such parties for the purpose of collecting such information.
24. Under the provisions of the Privacy Act 2020, I am aware that I am entitled to have access to and request correction of personal information held about me.
25. I understand that I am entitled to receive a copy of any information that you may receive from third parties about me, and any information that you may provide to third parties about me.
26. I declare that I am not known by any other name and that there are no official documents in New Zealand or overseas showing me with any other name or form of name.
27. I understand the importance of providing the correct information to Linsa and that failure to do this will affect my loan application and any loan agreement I have with Linsa. I declare that the information I have given is a true and accurate statement of my financial position and contains no omissions or false information which would materially effect the approval of the loan.
28. I understand that upon taking a loan agreement with Linsa, photo ID may be held on file for identification purposes.

21.I understand that Linsa may use the information I have provided to check by name against the Dow Jones Watchlist for any political affiliations.

PLEASE NOTE: Any person who knowingly falsifies or omits relevant information may commit a criminal offence where a loan has been provided based on this information.

I also confirm that I am not a un-discharged bankrupt or have ever made application to the Official Assignee for a “No Asset Procedure” form of bankruptcy

I have read and accept the terms of this Declaration and Privacy Waiver.