By submitting this application I accept the following terms and conditions:

PRIVACY ACT ACKNOWLEDGEMENT.

1. I (being the person named above) understand that all personal information (“personal information”) Instant Finance Limited (“you”) holds about me, whether now or in the future, will be used for any or all of the following purposes:
• to process and assess any request for finance I have made with you now or in the future;
• for the management, assessment or enforcement by you of any agreement and/or security I have with you;
• to assess my credit worthiness and financial position from time to time;
• to verify my identity as may be required from time to time by the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and regulations (“AML laws”);
• to collect any outstanding debt from me;
• to offer me further finance;
• to market your products and services and the products and services of your associated companies to me.
2. I authorise you (for any of the purposes listed above) to:
   • make enquiries about me, disclose personal information to any third party and/or obtain information about me that you consider necessary from any third party (including but not limited to government departments, my employer, my landlord). In this regard I authorise any such third party to provide to you information about me that you consider necessary for such purposes;

   In particular the inquiries from third parties that I have authorised above include:

   • accessing name and address information about me from the Motor Vehicle Register, even if I have previously advised the Motor Vehicle Register that I did not want that information to be disclosed;
   • making fines status queries about me to the Ministry of Justice. Where I have provided you with driver licence information for that purpose, I have done so voluntarily and understand that I am not obliged to do so.
   • disclose information about me (where required) to your insurers, potential assignees, credit rating and credit reporting agencies including disclosing default information to any credit reporting agency, such as Veda Advantage (“Veda”);
   • obtain from Veda any information which it holds and which may assist you in verifying my identity as may be required by the AML laws;
   • use any of the information about me for the purposes of informing me from time to time about your products and services, and the products and services of your associated companies.
3. I understand that I have the right to access and correct personal information held by you by contacting you.
4. I understand that all information you provide to Veda (including my default information) will be held by Veda for its credit reporting service and Veda may give such information to its customers who use its services, including customers to whom Veda is permitted by law to disclose that information to assist them in verifying my identity as required by the AML laws. I also understand that I may access and correct the information held by Veda by writing to Veda at Private Bag 92156, Victoria Street, Auckland.