Responsible Lending & Your Privacy: You are protected by responsible lending laws. Because of these protections, the recommendations given to you by us, the lender about this consumer loan are not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. Beta Finance Limited is a responsible lender.

1. You agree that these terms will apply to your application for finance from Beta Finance Limited.

2. Beta Finance is collecting personal information about you in your application for finance. The information is being collected for the purposes set out in clause 4 below and will be held by Beta Finance at its office at 20 Great South Road, Otahuhu, Auckland. We may not receive or give out information for any purpose other than those listed in paragraph 4.

3. If you do not provide all or any part of the information requested on the application form your application for finance may be declined.

4. The information is being collected for all or any of the following purposes:
   (a) To decide whether or not to grant a loan
   (b) Enforcing payment and other legal obligations owed by you to Beta Finance Limited
   (c) Administering the loan
   (d) Verifying your identity as may be required from time to time by the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and regulations,
   (e) To offer you further finance
   (f) Advising you of other products and services offered by Beta Finance Limited and its associated and related companies, successors and assigns.

5. The intended recipients of the information are Beta Finance Limited, other providers of credit, credit reporting agencies (Equifax, Centrix), debt collection agencies, research firms and direct marketing firms engaged by Beta Finance Limited from time to time. We may also supply information about the guarantor to the borrower and about the borrower to the guarantor or other party contributing to your loan application.

6. You authorise the collection and release at any time of any information necessary for or relevant to the purposes set out in clause 4 above (including a credit or fraud check) from and to any person deemed necessary by Beta Finance Limited. You are entitled to request access to, and (if required) correction of, any personal information held about you by Beta Finance Limited.

7. You acknowledge and agree that Beta Finance Limited may supply information to and receive information from your family or other members of your household in connection with the purposes set out in clause 4 above. This will typically be the case if Beta Finance Limited is unable to contact you for any reason.

8. You consent to receiving emails or other electronic communications from Beta Finance Limited (or its research and marketing agencies) regarding other products and services offered by it and acknowledge that this information may be sent whether or not you have a current loan with Beta Finance Limited.

9. You acknowledge that any communications to or from Beta Finance Limited may be recorded for security and staff training purposes.

10. Without limiting clause 6 above, you hereby authorise Beta Finance Limited to access your personal information from the following agencies and you also authorise the following agencies to release your personal information to Beta Finance Limited: Personal Property Securities Register, Transport Registry Centre (NZ Transport Agency) Drivers Licence Database, NZ Transport Agency Motor Vehicle Ownership Register, Ministry of Justice (MOJ), any other government agencies, and Reposession professionals authorised by us.

11. You authorise any credit reporting agency to whom we provide information about you to list that information in its systems and use it to provide credit reporting services to its own customers. Beta Finance Limited can now collect and provide comprehensive credit information to credit reporters, including information about customer’s repayment history. If you require further information, please contact us.

12. You acknowledge that provision of your driver licence number (or any other identification numbers) to Beta Finance Limited is voluntary and that you consent to Beta Finance Limited disclosing your driver’s licence number (or any other identification numbers) to Equifax, Centrix and other third parties in order to process your credit application.

13. You also authorise Beta Finance Limited to regularly monitor your credit record at any credit reporting agency.

14. You understand that you can access your personal credit information from Equifax and that if it is incorrect, request that it be corrected. The information can be accessed through by writing to Equifax at Private Bag 92156, Victoria Street, Auckland; or Centrix at PO Box 62512 Greenlane Auckland 1546;

15. You warrant and undertake as follows:
    (a) the information given in your loan application is correct to the best of your knowledge and belief and that no information has been withheld that might affect Beta Finance Limited decision on your loan application.
    (b) you are not known by any name other than that contained in your loan application and that there are no official documents in NZ or any other country which record any other name or form of name or date of birth for you.
    (c) you own the goods listed in your loan application including without limitation all goods offered as security for your loan and that no money is owed to any third party in respect of such goods and that all such goods are free of any security interest, charge or other encumbrance (except as disclosed to and agreed by Beta Finance Limited.
    (d) you are over the age of 18 years and are not an undischarged bankrupt or liable under any proceedings under the Insolvency Act 2006 and its amendments.

16. You authorise Beta Finance Limited to have its financial interest noted on your insurance policies for any personal property collateral or land granted as security on any loan with Beta Finance Ltd.

You acknowledge that Beta Finance Limited use a third-party service provider, to obtain bank statement information if required. To provide this service the service provider uses your banking credentials solely for the purpose of retrieving banking data and returning it to us. By using this service, you agree to the terms and conditions of the provider listed on their website and their privacy policy. If you do not agree you should not use this service.