Please read the following before applying for a loan

Privacy Policy Ltd is committed to protecting our customers personal information.

We have created this Privacy Policy to help you understand how we collect, use & protect your information when you visit our website.

When you submit your personal details on the application page of our website you are accepting’s privacy policy & consenting to the use & disclosure of your personal information.

Contact from Ltd

By submitting an online application at our website you understand & agree that we may contact you from time to time at your email address, phone number, mobile number or by any other electronic means to help administer & manage your loan and to offer you any new services or products we feel may interest you.


If, after submitting your loan application, you decide that you do not want to proceed with the loan application you can request that information held on the database file about you is deleted by requesting this in an email to


If you do not wish to be contacted by Ltd with information regarding new products & services please request this by sending an email to

What information does Cantwait collect ?

We collect information that you have provided for us when you complete & submit the application page of our website & send us your supporting documents. This information may include your full name, date of birth, address, telephone numbers, email address, bank account number, bank statements, drivers licence, passport.

We also collect other personal information about you from a credit reference agency such as Veda Advantage.

Why does Cantwait require this information ?

The information provided by you is used by Ltd for the purpose of:


  • Processing your loan application
  • Understanding your financial needs
  • Assessing your current & on-going credit worthiness & to assess lending risks
  • To administer your loan contract & credit record with & it’s credit reporting agency.
  • To prevent money laundering & other criminal activities including fraud
  • For market research purposes

Sharing  your information

Cantwait may need to disclose your information to third parties as outlined below


  • Credit reference agencies
  • When is legally be required to disclose information about you to governmental or regulatory authorities including law enforcement agencies.
  • Any person or organisation as authorised by the Privacy Act 1993
  • Debt collection agencies
  • Any person or company who may purchase a substantial amount of Ltd’s assets (as part of our client database your information will be classed as an asset of Ltd)
  • Any person or company that may choose to purchase an asset from (as part of our client database your information will be classed as an asset of Ltd)

Protecting your information  will take all reasonable steps to ensure that the personal information we collect, use or disclose is accurate, up-to-date & stored in a secure environment protected from unauthorised access modification or disclosure. Such steps include:


  • The online application information  form is hosted on a secure server.
  • Personal client information is protected under Fortinet (Firewall) protection with up to date virus protection, vulnerability scanning / web & email filtering.

Accessing and updating your personal information

You can access the personal information holds on you by sending an emailed request to

You can request correction or amendment of the information held by at any time by sending an email to In some cases we may request supporting documents to verify these changes.

Retention of Personal Information

The information shall be held by Ltd at the business address of

Cantwait .com will keep records that are reasonably necessary to enable a reconstruction of any given loan when required to do so.

Legal Ltd complies with New Zealand’s Privacy Act 1993-  This Act determines how personal information can be collected, stored, used and disclosed. ltd is also compliant with the Unsolicited Electronic Messages Act – NZ’ anti-spam legislation.


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

  • Assessing my/our current and on-going credit worthiness; Including credit checks
  • Administering, financing, insuring and enforcing my/our contract(s);
  • Maintaining the integrity and effectiveness of Ltd’s credit records and those of credit reference agencies;
  • Marketing goods and services provided by the Ltd and its assigns or related companies.

I/we irrevocably authorise Ltd for any and all of the foregoing purposes:

  • 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.
  • To collect, retain and use the Information;
  • To provide the Information to brokers and insurers providing insurance services incidental to my/our contract(s);
  • In the event of my/our default, to provide the Information (together with details of the my/our dealings with Ltd) to credit reference agencies and to any person providing services to Ltd in connection with my/our contract(s).
  • I acknowledge that Ltd may conduct several credit checks during the time in which my advance is in default.
  • I acknowledge and agree to 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 Ltd at the business address(es) of 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.


I/we agree that is this application is accepted by 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 Ltd to enable Ltd to determine whether or not to provide finance. Any sales voucher signed by me/us shall have no effect unless and until Ltd has approved this application and the facility has come into existence. This offer may be accepted by 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 Ltd communicates it acceptance to either of us. Ltd loan costs are 10% – 40% lower than that of most other N.Z. online payday advance companies.