Under our Privacy Policy, we require you to consent to our checking your personal identification and credit rating and to other matters referred to below. You do not have to agree but if you do not, we will not consider your loan application further.

The Credit Reporters we currently use are:

Centrix Group Limited and its address is PO Box 62512, Greenlane, Auckland 1546 and Verifi Identity Services Limited and its address is PO Box 99280 Newmarket, Auckland 11459. We may use other Credit Reporters without prior notice.

In this privacy statement, the expression "Credit Reporter" means Centrix Group Limited, or Verifi Identity Services Limited or any other Credit Reporter we may decide to use.

You are agreeing that First Stop Money Limited ("we" or "us") provide information about you to a Credit Reporter so the Credit Reporters may:

  1. Verifiy your identity and
  2. Carry out a credit check on you.
  3. Provide financial information relevant to our enforcement of the loan from time to time.
  4. You understand that:

    1: The Credit Reporter will give us information about you for that purpose.

    2: We will give your personal information to the Credit Reporter, and the Credit Reporter will hold that information on its systems and use it to provide its credit reporting service. To that end you authorise the credit reporter to use any information that it holds in its credit reporting bureau about you to compare the information that you have provided to the lender.

    3: When other customers of the Credit Reporter use the Credit Reporter’s credit reporting service the Credit Reporter may give the information to those customers.

    4: We may use the Credit Reporter’s credit reporting services in the future for purposes related to continuously verifying your identity and the provision of credit to you and enforcing payment. This may include using the Credit Reporter’s monitoring services to receive updates if any of the information held about you changes. The credit reporter may use this authority to obtain information from third parties as long as you owe us money.

    5: If you default in your payment obligations to us, information about that default may be given to the Credit Reporter and listed on its database and it may give information about your default to its other customers.

Other Sources and holders of information.

  1. You further agree that these terms will apply to our provision of finance to you (and management of that finance) both when you are not in default and when you are in default.
  2. You consent to all personal information (including financial information) provided in support of the application being held by us and to the information being used from time to time by us for all or any of the following purposes:
    1. For us to decide whether or not to grant you a loan,
    2. Administering the loan
    3. Enforcing payment and other legal obligations
    4. Supplying information to other parties such as debt collection agencies, credit reporters, solicitors, other creditors and employers and (in some circumstances) your relatives or persons who live with you.
    5. Complying with our obligations under the Anti-Money Laundering and Countering the Financing of Terrorism Act
    6. Supplying you with information about services offered by us.
  3. You acknowledge and agree that item 2(d) may include supplying information to you family or other members of your household if we telephone you and are unable to speak to you directly.
  4. You hereby authorise all persons (and in particular and without limitation the New Zealand Transport Authority and Land Information New Zealand) to provide us and any credit reporter instructed by us with such information as we or it may at any time request about you in connection with items 2(a) to 2(e) above.
  5. Further, we may provide personal information about our dealings with you (including any default in your payment obligations to us) to any third party listed in clause 2(d) above in relation to the matters referred to in 2(a) to 2(c) and 2(e) above.
  6. You promise that the information given in this application is correct to your best knowledge, information and belief.
  7. You agree that any person to whom we may assign your loan has the same rights and powers we do under this consent.
  8. You agree that we may use your financial information for the purpose of default and collection management where that situation exists in the management of your credit.

Please note that you are entitled to request access to, and (if required) correction of, any personal information we hold about you.