Online Credit Application Form Terms and Conditions (Terms)

Homecubes Limited

1. Homecubes Limited Limited (Homecubes Limited):

1. is an agent for various lenders and brokers that provide credit or have access to credit providers who provide Homecube Cabin finance (each such lender entity a Lender and together the Lenders); and

2. will receive and provide information between prospective Lenders and me so that I can subsequently enter into an agreement with a Lender to finance the purchase of a Homecube Cabin.

Purpose of this Application

1. I understand and authorise Homecubes Limited 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.

2. I understand that the Lenders which Homecubes Limited makes an application to will rely on the information in this application and any other information that I provide to Homecubes Limited.

Application

1. I confirm that the information provided by me in this application is true and correct.

2. 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.

3. 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

1. I authorise Homecubes Limited 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 (CRA), credit provider (including any Lender), the NZTA (NZ Transport Agency), Ministry of Justice, Ministry of Immigration, my employer(s), accountant, legal advisor, any person where disclosure is required by law, or any other source, for the purposes of:

1. assessing my creditworthiness;

2. providing credit to me;

3. administering and enforcing any agreement I subsequently may enter into with a Lender;

4. offering me insurance and other services related to any finance agreement I enter;

5. maintaining credit records with the Lender and the Lender’s related companies or external agencies; and

6. marketing goods and services provided by Homecubes Limited and any Lender and any related company or any other supplier nominated by Homecubes Limited or any Lender.

Privacy

1. My personal information may be held by Homecubes Limited and any Lender that Homecubes Limited makes an application to, on my behalf, electronically or in hardcopy in New Zealand or elsewhere. The address and contact details of Homecubes Limited are as set out in this application form.

2. I understand that I have the right under the Privacy Act 1993 to obtain access to and request correction of any information held by Homecubes Limited and any Lender or CRA.

3. I agree that Homecubes Limited, any 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.

4. I understand and authorise any CRA to:

1. hold my information on their systems and use it to provide their reporting service;

2. give any information it holds about me to its other customers.

5. If my application is not approved or I decide not to proceed, neither Homecubes Limited nor any Lender will retain any personal information except as required by law.

6. I understand that I have the right to ask for a copy of any personal information held about me by Homecubes Limited 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 Homecubes Limited at [email protected] or Phone 072424000 if I would like a copy of the information Homecubes Limited holds and to have it corrected. I understand Homecubes Limited can also provide me upon request with a list of the names, addresses and contact details of any person to whom Homecubes Limited or any Lender has provided or provides my personal information pursuant to paragraph 10 of these Terms.

If my Application is Approved

1. If a Lender approves my application and I want to proceed, I authorise that Lender:

1. to send any disclosure statement to my attention by electronic mail to the email address in this application; and

2. 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

3. 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.

2. I understand that:

1. Homecubes Limited receives commission from a Lender if I enter into an agreement with that Lender; and

2. Lenders make all lending decisions.

3. 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

1. I agree that Homecubes Limited may provide me with unsolicited information about products and services related to Homecube Cabin financing in electronic form to the email address in this application.