Terms and Conditions
CREDIT AGREEMENT:
To read our standard form credit contracts you can download below:
LOAN APPLICATION TERMS & CONDITIONS:
By completing a loan application enquiry with Geneva you would agree to the following:
I hereby authorise any person or body of persons listed below to disclose to Geneva Finance Limited (GF) including its subsidiary Stellar Collections Limited (SC), promptly on request the following personal information about me:
- My current address(es) and or current whereabouts, including any arrival and departure records held in New Zealand:
- My current known name(s);
- My other known name(s);
- My current bank account(s) including bank statements; and
- Any employment details.
The persons or bodies of persons to whom this authority applies are:
- any New Zealand Government department, agency or service including (but not limited to):
- Ministry of Social Development (including Work and Income);
- Inland Revenue;
- Ministry of Justice;
- Department of Corrections;
- New Zealand Immigration Service;
- New Zealand Police; and /or
- Housing New Zealand Corporation;
- any New Zealand Telecommunication Company or service including (but not limited to);
- Spark New Zealand Limited; and/or
- Vodafone New Zealand Limited.
- any registered bank in New Zealand; and
- any other credit provider or debt collector in New Zealand; and
- any current or previous employer.
PRIVACY DECLARATION
GF is collecting information about you to determine whether to open a credit account in your name; GF may not be able to open a credit account if all the requested information is not provided. Information collected and held about you may be used by GF and/or SC from time to time for credit assessment and control purposes, to register security interest, for sending you promotional and other material about the services it supplies, and generally to do business with you. Information collected may be exchanged with organisations or people including other credit providers, government departments, your employer and your relatives for those purposes. Under the Privacy Act, individuals have rights of access to and correction of their personal information about themselves. I/we declare that the information provided on my/our credit application form is true and correct. I/we understand that Credit Checks and PPSR Checks will be obtained to enable the processing of this application to determine credit worthiness. I/we declare that no money is owed on the security being provided other than that which has been stated. I/we declare that I am/we are not un-discharged bankrupts. I/we irrevocably agree that GF and/or SC may give to and seek from credit providers, credit reporting agencies, my/our employer/s, relative/s or other named person/s such personal, financial and commercial information as is necessary relating to this credit application, the administration of any loan and any ongoing debt recovery. I/we acknowledge that any costs relating to debt recovery are payable by me/us and that a default may be recorded against my/our credit history for non-payment of debts incurred with GF and/or SC. I/we understand and agree that the information on this form may be exchanged with other credit providers or other third parties to assist the recovery of my/our debt. Under the Privacy Act individuals have rights of access to and correction of their personal information. You may also request the full details of every organisation or person to whom GF and/or SC has disclosed information about you. I/we understand that any such personal information collected and held may be used by GF and/or SC for the purposes of operating, maintaining or taking lawful recovery action in respect of my/our account(s) with GF and/or SC.
SUMMARY OF PROCEEDINGS ACT 1957 DECLARATION
I/we declare that the information provided on this Application Form is true and correct. I/we understand that a Credit Check of Fines on the Ministry of Justice overdue fines database will be obtained to enable the processing of this Application to determine credit worthiness. I/we authorise GF and/or SC to conduct a search of the Ministry of Justice overdue fines balance database to obtain a fines status response and to obtain the balance of any fines in default. I/we also authorise GF and/or SC to conduct a search of the Ministry of Justice overdue fines balance database now or in the future in accordance with the administration of any loan and any ongoing debt recovery. I/we understand that should I/we have an overdue, unpaid or outstanding fine or reparation payable to the Ministry of Justice my/our contact information, as supplied on this application for credit, will be passed to the Ministry of Justice for it to collect, retain, use and disclose to the Court for fines enforcement purposes.