PRIVACY WAIVER
1) Our full Company name is Direct Cash Orders Limited trading as DCO FINANCE. Hereinafter referred to as DCO FINANCE.

2) The information provided is true and correct to the best of your knowledge. You here declare that any information provided to DCO FINANCE is true and correct to the best of your knowledge and that this application has been approved on this basis. You acknowledge that this privacy waiver and all supporting documentation remains the property of DCO FINANCE.

3) Under limited circumstances, your information may be provided to or requested from third parties. You irrevocably authorise any person or Company including (but not limited to) Work and Income New Zealand, IRD, Housing New Zealand, any trading bank operating within New Zealand, employer, any finance companies, current or previous Landlords and any credit reporting agencies to provide DCO FINANCE with such information as may be required for credit application and/or credit control purposes.

4) Credit Agencies are used for enquiry, maintenance information upload and default notification purposes:

a) You understand that DCO FINANCE is asking you for personal information about you to pass on to the credit agencies CENTRIX and/or EQUIFAX for credit reporting and credit check you. You understand that:

i. The credit agencies will give DCO FINANCE information about you for that purpose and DCO FINANCE will give your personal information to the credit agencies, and that the credit agencies will hold that information on their systems and use it to provide their credit reporting service.

ii. When the credit agencies other customers use the credit agencies credit reporting service, the credit agencies may give the information to those customers.

iii. DCO FINANCE may use the credit agencies credit reporting services in the future for purposes related to the provision of credit to you. This may include using the credit agencies monitoring services to receive updates if any of the information held about you changes.

iv. If you default in your payment obligations to DCO FINANCE or if there is evidence showing financial hardship, information about that default and/or financial hardship may be given to the credit agencies, and the credit agencies may give information about your default and/or financial hardship to other agency customers.

b) In respect of DCO FINANCE providing a credit facility and undertaking periodic reviews or for the requirements of the Anti-Money Laundering and Countering Financing Terrorism Act 2009, you authorise DCO FINANCE to make credit references and other enquiries within DCO FINANCE’s normal procedures. For this purpose, DCO FINANCE may seek from any such source information concerning you.

c) Comprehensive Credit Reporting: You also authorise the collection and disclosure of all information relevant to your accounts including repayment history information and financial hardship indicators from/to any credit reporting agency. Credit reporting agencies may use information disclosed DCO FINANCE to update their credit reporting database and disclose any information that they hold about you to their own customers as permitted under the Credit Reporting Privacy Code. In addition, DCO FINANCE may use any service provided our credit reporting agencies to receive updates of the information it holds about you.

d) If you are in default under any credit facility from DCO FINANCE, DCO FINANCE is authorised to disclose all relevant information about you, to and for the use, credit reporting agencies, debt collection agencies and law firms.

e) You have rights of access to, and correction of credit information held the credit agencies as set out in their privacy statement:

• Centrix https://www.centrix.co.nz/privacy-statement/
Phone: 0800 236-874
Email: helpdesk@centrix.co.nz

• Equifax https://www.equifax.co.nz/privacy
Phone: 0800 698-332
Email: publicaccess.nz@equifax.com

5) You agree to receive promotional / informative material from us. In accordance with the Unsolicited Electronic Messages Act 2007 you agree to receive promotional and/or informative material in the form of letters, email or via e-txt (SMS).

6) You can cancel this privacy waiver in certain circumstances. You are aware that if all obligations are met or if none exist, you can request in writing for this privacy waiver to be cancelled. However, the cancellation of this privacy waiver does not discharge the obligation for DCO FINANCE to provide information to third parties in respect of clause 3) above.

7) If your application is unsuccessful with DCO Finance, we will try to give you options where possible to help meet your objectives. This includes where to seek help if a loan is not the best option for your situation and/or a link to seek another lender who may have lending products that better suit your application.

8) our privacy policy can be found at https://dcofinance.co.nz/privacy-policy/