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 Cantwait.com Ltd’s credit records and those of credit reference agencies;

4. Marketing goods and services provided by the Cantwait.com Ltd and its assigns or related companies.

I/we irrevocably authorise Cantwait.com Ltd 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 Cantwait.com Ltd) to credit reference agencies and to any person providing services to Cantwait.com Ltd in connection with my/our contract(s).

5. I acknowledge that Cantwait.com Ltd may conduct several credit checks during the time in which my advance is in default.

6. I acknowledge and agree to Cantwait.com Ltd 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 Cantwait.com Ltd at the business address(es) of Cantwait.com Ltd 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 Cantwait.com Ltd, 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 Cantwait.com Ltd to enable Cantwait.com Ltd to determine whether or not to provide finance. Any sales voucher signed by me/us shall have no effect unless and until Cantwait.com Ltd has approved this application and the facility has come into existence. This offer may be accepted by Cantwait.com Ltd 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 Cantwait.com Ltd communicates it acceptance to either of us.