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 Online Finance Limited’s credit records and those of credit reference agencies;

4. Marketing goods and services provided by the Online Finance Limited and its assigns or related companies.

I/we irrevocably authorise Online Finance Limited 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. To provide the Information to brokers and insurers providing insurance services incidental to my/our contract(s);

4. In the event of my/our default, to provide the Information (together with details of the my/our dealings with Online Finance Limited) to credit reference agencies and to any person providing services to Online Finance Limited in connection with my/our contract(s).

5. I acknowledge that Online Finance Limited may conduct several credit checks during the time in which my advance is in default.

6. I acknowledge and agree to Online Finance Limited lodging a payment default against my credit file with Baycorp Advantage in the event that any payment remains overdue for more than 7 days.

Provision of Additional Services

The information shall be held by Online Finance Limited at the business address(es) of Online Finance 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.

Declaration

I/we agree that is this application is accepted by Online Finance 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 Online Finance Limited to enable Online Finance Limited to determine whether or not to provide finance. Any sales voucher signed by me/us shall have no effect unless and until Online Finance Limited has approved this application and the facility has come into existence. This offer may be accepted by Online Finance 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 Online Finance Limited communicates it acceptance to either of us.