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Declaration and Credit Check Authorisation
Step 9 of 9
Online Credit Application Form Terms and Conditions (Terms)
Turners Group NZ Limited
1. I understand that Turners Group NZ Ltd (Turners ):
(a) will receive and provide information between me and various prospective lenders that provide credit or have access to credit providers who provide motor vehicle finance (each lender entity a Lender and together the Lenders) so that I can subsequently enter into an agreement with a Lender to finance the purchase of a motor vehicle.
Purpose of this Application
2. I understand and authorise Turners to use the information provided by me in this application to apply for finance in my name to one or more of the Lenders, including to provide a copy of this application to any prospective Lender.
3. I understand that the Lenders which Turners makes an application to will rely on the information in this application and any other information that I provide to Turners.
4. Turners will notify me of which Lenders it will provide this application to and provide me with the Lender(s) full legal name and website before my personal information is provided to the Lender(s) or as soon as reasonably practicable after disclosure.
5. I understand that the potential Lenders include Oxford Finance Limited, a related company of Turners (Oxford) If my application meets Oxford’s lending and other criteria then this application will be provided to Oxford and Turners may determine not to provide this application to other Lenders.
6. I understand that Turners will be paid a commission by the relevant Lender, this commission may vary based on the interest rate of your loan, and Turners has some discretion as to the setting of the interest rate.
Products
7. Turners has explained the motor vehicle finance products of the Lender(s) that it will provide this application to and those products suit my objectives.
Application
8. I confirm that the information provided by me in this application is true and correct.
9. I understand that if I do not provide the information sought or the information I provide is incorrect, this may result in my application not being approved.
10. I confirm that I am over 18 years of age, do not have any outstanding traffic, parking or other fines, do not have a criminal record and that I am not an undischarged bankrupt.
Use of Personal Information
11. I authorise Turners and any Lender to use and disclose the personal information in this application to undertake all necessary enquiries and request, collect, check and exchange information (both now and in the future), including but not limited to personal, commercial and financial information about me and references, from any Credit Reporting Agency as detailed below, credit provider (including any Lender), the NZTA (NZ Transport Agency), Ministry of Justice, Ministry of Immigration, NZ Immigration Services, my employer(s), accountant, or my legal advisor, as I have notified to you.
Turners collects and provides that information for the purposes of assessing my creditworthiness, providing credit to me or offering insurance and other services related to any finance agreement I enter.
Credit Reporting Agencies
I understand and agree that Turners will disclose personal information, including updates to that personal information, to Credit Reporting Agencies (CRA). The CRA will use the personal information for the purposes of providing credit reporting services to Turners and to other subscribers of the CRA. The CRA will use and hold that personal information in accordance with its privacy policy or statement, and you have rights of access to, and correction of, your personal information held by the Credit Reporting Agency in accordance with their privacy policy or statement. The Credit reporting Agencies we use are Centrix Group Ltd (https://www.centrix.co.nz/privacy-statement ) and Illion (https://www.experian.co.nz/privacy-policy)
Privacy
12. My personal information may be held by Turners or a Lender that Turners makes an application to, on my behalf, electronically or in hardcopy in New Zealand or elsewhere.
13. I understand that I have the right under the Privacy Act 2020 to obtain access to and request correction of any information held by Turners and any Lender or CRA.
14. I agree that the Lender or a CRA may use my personal information related to this application for their usual business activities and that a Lender may provide details of any transactions carried out under any agreement I subsequently enter into with the Lender to a CRA and may report any default under that agreement to the CRA as well as using the CRA’s monitoring service to receive and provide updates if any of the information about me changes.
15. I understand and authorise any CRA to:
(a) hold my information on their systems and use it to provide their reporting service;
(b) give any information it holds about me to its other customers.
16. If my application is not approved or I decide not to proceed, neither Turners nor any Lender will retain any personal information except as required by law.
17. I understand that I have the right to ask for a copy of any personal information held about me by Turners and any Lender or CRA, and to ask for it to be corrected if I think it is wrong. I understand that I can contact Turners at contact@turners.co.nz or PO Box 112022 Penrose Auckland 1642 if I would like a copy of the information Turners holds and to have it corrected.
If my Application is Approved
18. If a Lender approves my application and I want to proceed, I authorise that Lender:
(a) to send any disclosure statement to my attention by electronic mail to the email address in this application; and
(b) to send any other communication required by electronic mail to the email address in this application and to any other address I ask them to use; and
(c) at any time, to contact and provide any information about any agreement I have with the Lender, including information about defaults under that agreement, to any person I have listed on the application form as a contact person or next of kin.
19. I understand that:
(a) Turners charges a dealer introduction fee and receives commission from a Lender if I enter into an agreement with that Lender; and
(b) Lender’s make all lending decisions.
20. I understand that this application form and these Terms do not constitute a credit contract and that any credit that may subsequently be made available to me by any Lender will be subject to further terms and conditions being entered into between myself and that Lender.
Other
21. I agree that Turners may provide me with unsolicited information about products and services related to motor vehicle financing in electronic form to the email address in this application.
I have read and accept the terms and conditions as shown above. *
