Terms and conditions

Loan contract

Standing Disclosure

You can view an example of our standard credit contract and disclosure statement here.

And all of our costs of borrowing are explained here.

If you have any specific questions, or would like a quote please call us on 0800 543 718.

Terms and conditions

Using prontofinance.co.nz

By using this website and/or submitting an online application form you are accepting the Terms and Conditions, our Privacy Policy and other notices posted on this website. Your use of this website and all of its content indicates your acknowledgment and agreement to these Terms and Conditions, our Privacy Policy and other notices posted on this website. If you do not agree to be bound by and comply with all of the foregoing, you may not access or use our current information, services, or website.

Pronto Finance Limited (Pronto Finance) shall have the right, at its sole discretion, to modify, add or remove any Terms and/or Conditions without notice or liability to you. Any changes to these Terms and Conditions shall be effectively immediately following the posting of such changes on this website. The most recent version of these Terms and Conditions may always be found at www.prontofinance.co.nz

You agree to review these Terms and Conditions from time to time and agree that any subsequent use by you of this website following changes to these Terms and Conditions shall constitute your acceptance of all such changes. These Terms and Conditions were last modified on January 13th 2017.

Online Application

Our online application form requires applicants to provide us with personal information such as phone numbers, address, email address, employment and general financial details. We will collect and store all information that you provide from the application form to send you additional information about our company and other promotional materials and programs from some of our related entities.

Other Information

The information on this website has been provided by Pronto Finance for informational purposes.  Pronto Finance does not warrant the accuracy or completeness of the materials on this website. Pronto Finance does not accept any liability for any loss or damage directly or indirectly arising from any information contained on this website.

Electronic Communications

You consent to receiving communication from us electronically and you agree that all agreements, notices and disclosures satisfy any legal requirement that such communication be in writing.  You agree for the purposes of the Electronic Transactions Act 2002 to be bound by any agreement reached through electronic means.

Jurisdiction

This website is governed by, and is to be interpreted consistently with, New Zealand law.

Privacy Act 1993

You declare that all information provided is true and correct and that you are over the age of 18 years and you are not undischarged bankrupt/s.
Where the applicant is a limited liability company, this authority and acknowledgement applies to all directors of that company.

Credit Reporting

The credit reporting agency we use is Equifax, formerly Veda Advantage (NZ) Limited. As of 13/3/17 Veda was rebranded and is hereby referred to as ‘Equifax’ and its address is Private Bag 92156, Auckland Mail Centre Auckland 1142.

You understand that Pronto Finance Limited are asking for your personal information so as to use Equifax’s credit reporting service to credit check you including to verify your identify as may be required to do by laws such as the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 (‘AML Laws’).  You understand that:

  • Equifax will give Pronto Finance information about you for that purpose.
  • Pronto Finance will give your personal information to Equifax, and that Equifax will hold that information on their systems and use it to provide their credit reporting service.
  • When other Equifax customers use the Equifax credit reporting service Equifax may give the information to those customers including for the purposes of assisting customers to verify your identity as they may be required to do by AML Laws and you authorise Equifax to do so.
  • You consent to Equifax (or the Ministry of Justice) disclosing to Pronto Finance any information they hold relating to any overdue fines that may be outstanding against you.
  • Pronto Finance may use Equifax’s credit reporting services in the future for purposes related to the provision of credit to you.  This may include using Equifax’s monitoring services to receive updates if any of the information held about you changes.
  • If you default in your payment obligations to Pronto Finance, information about that default may be given to Equifax, and Equifax may give information about your default to other Equifax customers.
  • If Pronto Finance asks you to provide them with your driver’s licence number/s or passport number/s to help them confirm your identity, you understand that Pronto Finance may pass this information on to Equifax.  You understand that disclosure of your driver’s licence number/s or passport number/s to Equifax is voluntary.

Other Sources and Holders of Information

You agree that these terms will apply to the provision of finance by Pronto Finance Limited (the “lender”).

  • You consent to the personal information provided in support of the application (whether in the application form or otherwise) being received, assessed and held by the lender and to the information being used from time to time by the lender for all or any of the following purposes:
    • For the lender to decide whether or not to grant a loan or on your application to vary an existing loan agreement.
    • Administering the loan.
    • Enforcing payment and other legal obligations.
    • To check, verify and exchange (both now and in the future) personal, residential, contact, financial and commercial information.
    • Supplying independent third parties or related parties with updated contact information which relates to a listed default in your name or to assist in the enforcement of an outstanding debt.
    • Supplying the borrower and guarantor with information about services offered by the finance company or it’s related entities.
  • You acknowledge and authorise that the lender may provide and obtain information for the purposes set out in the paragraphs above to or from any individual or organisation, including but not limited to, Equifax, any financial or insurance institution, bank, Regional and District Council, Government Department or Agency, your Employer/s, Accountant and Landlords (both now and in the future), your Mortgagees, their respective Solicitors and any Real Estate/Rental Agencies.
  • You authorise Pronto Finance to disclose the information to any third party who has or may have in the future a financial interest in your loan.
  • You hereby authorise the lender to access your driver licence record using the New Zealand Transport Agency’s Driver Check Service and for the lender to re-check your licence(s) during the term of the loan.
  • Driver Check allows the user to access the following information about your driver licence:
    • The licence classes you hold ,eg a class 4 licence to drive heavy trucks
    • The licence endorsements you hold, eg a D endorsement to carry dangerous goods
    • The conditions on your licence, eg the requirement to wear corrective lenses when driving
    • The status of your licence, eg current, expired, suspended, disqualified, revoked or reinstated
  • Each borrower is aware and agrees specifically that the lender provide to the guarantor any information used by the lender which the lender considers should be provided also to the guarantor.
  • You promise that the information given in this application is correct to your best knowledge, information and belief.

You note that under the Privacy Act 1993 you are entitled to request access to, and (if required) correction of, any personal information held about you by the lender.

Credit Sense Terms and Conditions

IMPORTANT – READ CAREFULLY BEFORE ACCEPTING THESE TERMS AND CONDITIONS
If you do not accept these Terms and Conditions you must not click “I Agree” stating you agree to be bound by these Terms and Conditions nor should you click “I Agree” stating that you have read and agree to the terms of the Privacy Policy of the Company.

On acceptance of these Terms and Conditions the Agreement will be finalised and the following provisions shall apply to the relationship between you and the Company.

These Terms and Conditions (“Agreement”) constitute a legally binding agreement between the end user (“you”) and Credit Sense Australia Pty Ltd ACN 163 577 768 (“Company”).

The purpose of this Agreement is to regulate the legal relationship between you and the Company in relation to your use of the Service (defined below).

The parties hereby agree as follows:

  •  DEFINITIONS

    “Aggregated Data” means Customer Data and usage information that has been stripped of all personally identifiable information.
    “Customer Data” means a Customer’s account information, account access information and registration information, as provided by you or as you have consented to the Company obtaining or accessing under this Agreement which shall include but not be limited to Centrelink online account registration and access information.
    “Service(s)” means the provision of your Customer Data by the Company to a credit provider to enable assessment by the credit provider of your financial circumstances.

  •  SERVICES

    The Company will provide the Services.
    To enable the Company to provide the Services:
    Provide Accurate Information. You, the end user, agree to provide true, accurate, current and complete information about yourself and your accounts maintained at other web sites and you agree to not misrepresent your identity or your account information. You agree to keep your account information up to date and accurate.
    Proprietary Rights. You may not copy, reproduce, distribute, or create derivative works from the Service however those may be obtained. Further, you agree not to reverse engineer or reverse compile any of the Service technology, including but not limited to, any Java applets associated with the Service.
    Content You Provide. By entering into this Agreement you are licensing to the Company and its service providers (“Service Provider”), any information, data, passwords, materials or other content (collectively, “Content”) you provide through or to the Service. The Company and the Service Provider may use, modify, display, distribute and create new material using such Content to provide the service to you or on your behalf to credit providers. By submitting Content, you automatically agree, or promise that the owner of such Content has expressly agreed that, without any particular time limit, and without the payment of any fees, the Company and the Service Provider may use the Content for the purposes set out above. As between the Company and any Service Provider, the Company owns your confidential account information.
    Third Party Accounts. By using the Service, you authorise the Company and any Service Provider to access third party sites designated by you, on your behalf, to retrieve information requested by you, and to register for accounts requested by you. For all purposes hereof, you hereby grant the Company and any Service Provider a limited power of attorney, and you hereby appoint the Company and any Service Provider as your true and lawful attorney-in-fact and agent, with full power of substitution and resubstitution, for you and in your name, place and stead, in any and all capacities, to access third party internet sites, servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN THE COMPANY OR ANY SERVICE PROVIDER ACCESSES AND RETRIEVES INFORMATION FROM THIRD PARTY SITES, THE COMPANY AND ANY SERVICE PROVIDER ARE ACTING AS YOUR AGENT, AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY. You agree that third party account providers shall be entitled to rely on the foregoing authorisation, agency and power of attorney granted by you. You understand and agree that the Service is not endorsed or sponsored by any third party account providers accessible through the Service

  • DISCLAIMER OF WARRANTIES.

    YOU EXPRESSLY UNDERSTAND AND AGREE THAT:
    OUR USE OF THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. THE COMPANY AND ANY SERVICE PROVIDER EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICE, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
    THE COMPANY AND ANY SERVICE PROVIDER MAKE NO WARRANTY THAT: – THE SERVICE WILL MEET YOUR REQUIREMENTS; – THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; – THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE; – THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS; OR – ANY ERRORS IN THE TECHNOLOGY WILL BE CORRECTED.
    ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM COMPANY OR SERVICE PROVIDER THROUGH OR FROM THE SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

  • LIMITATION OF LIABILITY.

    YOU AGREE THAT NEITHER THE COMPANY OR ANY SERVICE PROVIDER NOR ANY OF THEIR AFFILIATES, ACCOUNT PROVIDERS OR ANY OF THEIR AFFILIATES WILL BE LIABLE FOR ANY HARM, WHICH LAWYERS AND COURTS OFTEN CALL DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF COMPANY OR SERVICE PROVIDER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM:
    THE USE OR THE INABILITY TO USE THE SERVICE;
    THE COST OF GETTING SUBSTITUTE GOODS AND SERVICES;
    ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM THE SERVICE;
    UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA;
    STATEMENTS OR CONDUCT OF ANYONE ON THE SERVICE;
    THE USE, INABILITY TO USE, UNAUTHORISED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD PARTY ACCOUNT PROVIDER SITE, EVEN IF THE PROVIDER HAS BEEN ADVISED PREVIOUSLY OF THE POSSIBILITY OF SUCH DAMAGES; OR
    ANY OTHER MATTER RELATING TO THE SERVICE.

  • INDEMNIFICATION

    You agree to protect and fully compensate the Company and any Service Provider and their affiliates from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable solicitors fees) caused by or arising from your use of the service, your violation of the terms of this Agreement or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone.
    You agree that any Service Provider is a third party beneficiary of the above provisions, with all rights to enforce such provisions as if that Service Provider were a party to this Agreement.

  • PROTECTED INFORMATION

    Privacy Policy. The Company’s privacy policy shall govern the use of all Customer Data.
    Permitted Uses of Customer Data. The Company and any Service Provider may: (a) use Customer Data internally to provide and improve the Services; (b) to the extent permitted by law, use, sell, license, distribute and disclose Aggregated Data; (c) to perform fraud screening, verify identities, and verify information. The Company and any Service Provider who has access to Customer Data will not disclose Customer Data to any third party other than Aggregated Data.

  • MISCELLANEOUS

    Assignment. The Company may assign or delegate this Agreement or any of its rights or duties hereunder, directly or indirectly without your consent. Subject to the foregoing, this Agreement will be binding upon and inure to the benefit of the parties and their successors and assigns.
    Jurisdiction. This Agreement shall be governed by the laws of the State of Queensland.
    Notices, etc. Any notice, notification, demand or request provided or permitted to be given under this Agreement must be in writing and will have been deemed to have been properly given, unless explicitly stated otherwise, if sent by (i) overnight courier (signature required), (ii) registered or certified mail, postage prepaid, return receipt requested, (iii) facsimile with receipt of a “Transmission OK” acknowledgment confirmation during normal business hours to the place of business of the recipient, or (iv) personal delivery with a signed receipt. In the case delivery by facsimile the notice must be followed by a copy of the notice being delivered by a means provided in clauses (i), (ii) or (iv). All notices, notifications, demands or requests so given will be deemed given and received (A) if mailed, two (2) days after being deposited in the mail, (B) if sent via overnight courier, the next business day after being deposited, (C) if facsimiled, the next business day after being sent by facsimile, and (D) if personally delivered, when delivered.
    The address for notices to Company is:
    c/- JHK Legal
    Level 15, 241 Adelaide Street
    Brisbane QLD 4000

  • Severability.

    If any provision of this Agreement shall be held by a court of competent jurisdiction to be contrary to law, such provision shall be changed and interpreted so as to best accomplish the objectives of the original provision to the fullest extent allowed by law and the remaining provisions of this Agreement shall remain in full force and effect.

Privacy Policy

We take the privacy of all customers very seriously, and want to give you complete control over your personal information.

Our Privacy Policy governs the collection, use and disclosure of your personal information by us and has been prepared in accordance with our obligations and your rights set out in the New Zealand Privacy Act 1993 (Privacy Act) and applicable codes under the Privacy Act. To the extent applicable.

We reserve the right to modify or amend this Privacy Policy at any time and for any reason.

By accessing and using our website you consent to our use of your personal information in accordance with this Privacy Policy (as amended on prontofinance.co.nz).

Pronto Finance (prontofinance.co.nz) uses cookies within certain areas of our website to maintain non-specific information.

You may choose to set your computer to warn you each time a cookie is sent or you may turn off all cookies. This is achieved by changing your browser settings or by using a third-party privacy software. However, if you turn cookies off, some of our website’s functionalities may become unavailable to you.

This website also uses Google Analytics and Facebook’s Conversion Pixel, both web analytics service provided by Google, Inc.(‘Google’) and Facebook, Inc. (‘Facebook’). They both use ‘cookies’, which are text files placed on your computer, to help the website analyse how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google and Facebook on servers in the United States. Google and Facebook will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google and Facebook may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s and Facebook’s behalf. Google and Facebook will not associate your IP address with any other data held by Google or Facebook. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website. By using this website, you consent to the processing of data about you by Google and Facebook in the manner and for the purposes set out above. 

External Site Links:

This website contains links to other sites. We are not responsible for the content and the privacy practices of other websites that we may link to and encourage you to examine each site’s privacy policies. This privacy policy does not extend beyond this website. 

Third party review sites:

Customers using our service may be asked to provide reviews via independent third party review sites. In doing so they acknowledge that all information provided may be used by Pronto, related entities or the third party collecting the information for a variety of purposes. Provision of this information is not compulsory but anything provided may disclosed to publicly.

Data Security:

Pronto Finance (prontofinance.co.nz) takes reasonable steps to protect your personal information from loss, misuse, improper disclosure, or unauthorised destruction. We apply generally accepted standards of technology and operational security to keep personal information secure.

Please be aware that the Internet is an insecure medium and that there are inherent risks in transmitting information across the Internet. Information submitted via e-mail may be at risk of being intercepted, read or modified and hence, we are unable to guarantee security.

Policy Updates:

We reserve the right to update and change the Privacy Policy from time to time without notification. Any modifications will be effective upon posting.

Third Party Websites, Content and Products and Services

Links or pointers to other websites and references to products and services offered by third parties are provided to you for convenience only and do not constitute an endorsement or approval by us of (i) the organisations that operate such websites; (ii) the content, privacy policies or other terms of use on such websites; or (iii) such third party products and services. As we have no control or responsibility over websites or content maintained by other organisations, or for products and services offered by third parties, we do not assume any liability for your use of any of the foregoing, which use you acknowledge and agree shall be at your own risk.

Information that we collect

Your name, e-mail address, residential address, contact telephone numbers.

Information about your employment, your income, and your financial and personal circumstances.

Details to verify your identity and other personal details (such as your passport or driver’s licence number).

Details about your credit history, credit accounts, credit that may have been extended to you and your repayment history.

Your IP address, top level domain name (eg. .com, .govt, .nz, .kiwi etc.), the date and time of the visit to the site, the pages accessed, the pages at which you entered and exited our website, the referring website, the type of browser used, the length of stay, any errors you encountered while accessing our website.

We may also keep a record of any information that you acquire from us.

You can visit this Site without telling us who you are or revealing other personal information.

We collect personal information through this website by the following means:

When you contact us enquiring about information about us and the services we provide.

When you complete an application on this website. This will result in us collecting personal information about you from credit reporting agencies, as outlined within our terms and conditions above.

We may also collect personal information about you through public sources and through third party service providers, where you have agreed to the release of such personal information to third parties or to us.

We will not otherwise collect any personal information about you except when you knowingly provide it.

We may collect personal informaton about you from your employers, accountants, lawyers, referees, banks, landlords, guarantors, financial advisors and any third parties you may have had dealings with.

We may request information from insurers, our service providers like debt collection agencies, introducers, professional advisers, private investigators, professional organisations, public and subscribed databases, any persons considered necessary to carry out your instructions and government authorities.

We may collect, use, disclose and hold your personal information for the following purposes:

Responding to queries.

Providing you with information about us.

Providing you with our services, as requested by you.

Making a decision to provide you with our services or provide you with information about the services we provide, including evaluating your creditworthiness.

Verifying your identity, and carrying out credit and other checks, for the purpose of assessing your application.

Managing the products and services we provide.

Preventing and defending instances of fraud, unlawful conduct, and other risks to our products and services

Internal and external dispute resolution.

Enforcing our rights including debt collection, where necessary instituting legal action, and assigning debts to third parties.

Undertaking securitisation.

Providing your personal information when requested by our funders.

Enabling our associated entities and other selected entities to promote their products and services to you.

Ensuring that we comply with relevant legislation and regulations in providing any services to you or providing you with access to any services that we provide.

Any specific purpose which we notify you of at the time personal information is collected.

Marketing products and services provided by us, our related entities and third parties we have dealings with.

Compiling statistical data for example credit scoring information.

Complying with specific New Zealand laws that make it mandatory for us to collect your personal information which is necessary for us to comply with our privacy obligations.

Enabling us to comply with our customer due diligence and other obligations under any anti-money laundering legislation.

We (and our third party service providers) may use, sell, licence, distribute and disclose data which we develop from personal information, provided that such data has been stripped of all personally identifiable information.

Where permitted under the Privacy Act, We may disclose information about you (including your identity) to a third party entity for the following purposes:

Carrying out credit and identity checks.

Co-Borrowers – if you have applied as a borrower with an additional co-borrower, each of you agree and consent to Pronto Finance providing your personal information to the other party. Pronto Finance will be entitled to accept instructions from either of you (unless requested otherwise) to the access to, use of or amendment to your personal information by Pronto Finance.

Facilitating debt collection and recovery.

Conducting legal proceedings or other investigations.

Providing our services to you.

Enabling third parties to provide services to us or to you.

Third parties that we may disclose information about you (including your identity) include the following:

Law enforcement agencies

Related entities in New Zealand and overseas entities providing services to us such as legal and financial services, market research and data providers.

Suppliers of goods and services who are financed with the proceeds of the loan, including those providing mechanical repairs relating to your motor vehicle.

Financial institutions such as banks, financial institutions and credit providers.

Insurers, assessors, underwriters, brokers, and other distributors.

Government and regulatory bodies in New Zealand and overseas.

Entities involved in our business and who acquire an interest in our business.

Entities that we do business with whose interest we may acquire.

You acknowledge and agree that in addition to potentially obtaining personal information about you from a Credit Reporter, we may disclose your personal information to a Credit Reporter. The personal information about you that we may disclose to a Credit Reporter may include information about your credit accounts (including credit limits and repayment history), credit defaults, credit infringement and credit non-compliance information, and updates of that information from time to time. A Credit Reporter may hold your information on their credit reporting database and use it for providing credit reporting services, including making this information available to other credit providers (or potential credit providers) and other persons who use the Credit Reporter’s services and for any other lawful purpose.

By accepting the terms of this Privacy Policy and providing us with your personal information, you agree to us using that personal information for the purpose of informing you about our products and services, or providing your information to our related entities and third parties we have dealings with to market our products and services or to market their products and services to you.

We store personal information electronically. The personal information is kept safe and secure using generally accepted standards of security.

You may access your personal information we hold by calling our toll free number. We will provide you with a copy of the personal information we keep about you.

You may request that the personal information we hold about you be corrected if its is misleading inaccurate, incomplete or irrelevant by calling our toll free number. If we agree that your personal information is to be corrected we will provide you with an amended record of your personal information.

As some of the information we hold about you may be of a sensitive nature, we will need to verify the identity of anyone requesting access to your sensitive personal information.

Any request for information must be as specific as possible so we can accommodate your request. Access will be provided within 15 days of your request.

We can refuse access to your information if:

Access would be unlawful

Denying access is required under New Zealand law or an order of a court or tribunal.

Access would prejudice enforcement action or appropriate action relating to unlawful activity or serious misconduct.

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