Application Privacy Policy

I/we acknowledge that the information herein contained and/or obtained pursuant hereto (the Information) will be used for the purposes of:

1. Assessing my/our current and on-going credit worthiness; Including credit checks.
2. Administering, financing, insuring and enforcing my/our contract(s).
3. Maintaining the integrity and effectiveness of The Lending Room Limited credit records and those of credit reference agencies;
4. Marketing goods and services provided by the The Lending Room Limited and its assigns or related companies.

I/we irrevocably authorise The Lending Room Limited, or any other lender, for any and all of the foregoing purposes:

1. To obtain information that is reasonably required concerning me/us from any source including, but not limited to, credit reporting agencies, employers, past and current credit providers. I/we hereby permit all of these parties to provide such information.
2. To collect, retain and use the Information;
3. Authorise any credit reference agency or third party named in this application to disclose to The Lending Room or any other lender any personal information that such agencies or third parties hold.
4. To provide the Information to brokers and insurers providing insurance services incidental to my/our contract(s);
5. In the event of my/our default, to provide the Information (together with details of the my/our dealings with The Lending Room Limited) to credit reference agencies and to any person providing services to The Lending Room Limited in connection with my/our contract(s).

The information shall be held by The Lending Room Limited at the business address(es) of The Lending Room Limited and by other persons for the purposes described above.

Where the Information can be readily retrieved the Applicant(s) shall have access to it, the right to request correction and the right to be notified of action taken in response to any such request, subject to payment of reasonable charges.

I/we agree that is this application is accepted by The Lending Room Limited, then I/we will be bound by the Terms and Conditions contained in the Loan Contract. I/we have read and understood the particulars which have been completed in this application form and the Terms and Conditions and declare that they are true and complete and have been made to The Lending Room Limited to enable The Lending Room Limited to determine whether or not to provide finance. Any sales voucher signed by me/us shall have no effect unless and until The Lending Room Limited has approved this application and the facility has come into existence. This offer may be accepted by The Lending Room Limited communicating such acceptance to me/us either verbally or in writing and either directly or through an agent. Where there are two applicants, it shall be sufficient acceptance of this offer if The Lending Room Limited communicates it acceptance to either of us.

Website Privacy Policy

Last updated March 2012

This privacy policy sets out how The Lending Room uses and protects any information that you provude us when you use this website.

The Lending Room is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement.

The Lending Room may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes.

What we collect

We may collect the following information:

• Your name, email address, contact and company information
• demographic information such as postcode, preferences and interests
• other information relevant to customer surveys and/or offers

What we do with the information we gather

We require this information to understand your needs and provide you with a better service, and in particular for the following reasons:

• Internal record keeping and statistics.
• We may use the information to improve our products and services.
• We may periodically send promotional emails about new products, special offers or other information which we think you may find interesting using the email address which you have provided.
• From time to time, we may also use your information to contact you for market research purposes. We may contact you by email, phone, fax or mail.
• We may use the information to customise the website according to your interests.

Security

We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

How we use cookies

A cookie is a small file which asks permission to be placed on the device you are using. Once you agree, the file is added and the cookie helps analyse web traffic or lets us know when you visit a particular site. The web application can tailor its operations to your needs, likes and dislikes, by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyse data about webpage traffic and improve our website and tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Information collected may be used by third party vendors, including Google, to show you related ads on sites on the internet. Third party vendors, including Google, use cookies to serve ads based on a user’s prior visits to your website. Users may opt out of Google’s use of cookies by visiting the Google advertising opt-out page. Remarketing Dynamic Ads use the Teracent cookie and users may opt out of the Teracent cookie by visiting the Teracent opt-out page.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of this website.

Links to other websites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Controlling your personal information

You may choose to restrict the collection or use of your personal information in the following ways:

• whenever you are asked to fill in a form on the website, look for the box that you can click to indicate that you do not want the information to be used by anybody for direct marketing purposes
• if you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by writing to or emailing us at info@thelendingroom.co.nz

We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen.

You may request details of personal information which we hold about you under the Data Protection Act 1998. A small fee will be payable. If you would like a copy of the information held on you please write to info@thelendingroom.co.nz

If you believe that any information we are holding on you is incorrect or incomplete, please write to or email us as soon as possible. We will promptly correct any information found to be incorrect.