1. Introduction
Welcome to Mar’s Motors (“we”, “our”, “us”). By using our website and services to apply for car loans, you (“the applicant”, “you”, “your”) agree to the following terms and conditions. We act as an intermediary, submitting your application to various finance companies for approval.
2. Eligibility
By applying for finance through our platform, you declare that:
- You are at least 18 years old.
- The information provided is true, accurate, and complete.
- You are not an undischarged bankrupt.
3. Loan Application Process
- You authorize us to collect, use, and disclose your personal and financial information to finance companies for the purpose of obtaining finance on your behalf.
- We will submit your application to one or multiple finance providers and facilitate communication between you and the selected finance company.
- The approval of any loan is at the sole discretion of the finance company. We do not guarantee approval.
4. Credit Checks and Data Collection
By submitting an application, you authorize:
- Us to obtain and verify your information through third-party databases, including credit reporting agencies, government agencies, and financial institutions.
- Finance companies to conduct credit checks and obtain necessary personal and financial references.
- The sharing of your personal information with relevant third parties for the purpose of credit assessment, fraud prevention, and compliance with New Zealand laws, including the Anti-Money Laundering and Countering Financing of Terrorism Act 2009.
5. Application Fees and Charges
- Some finance companies may charge application or processing fees. These fees will be disclosed by the finance company at the time of application.
- We do not charge any upfront fees unless explicitly stated.
6. Data Handling & Marketing Consent
- By using our services, you consent to us retaining your personal details for future loan applications and marketing purposes.
- We may contact you with promotions, newsletters, and offers from us or our partner finance companies.
- You have the right to opt-out of marketing communications at any time.
7. Confidentiality and Information Disclosure
- We take reasonable steps to protect your personal information in compliance with the Privacy Act 2020.
- Your information may be disclosed to:
- Finance companies for loan assessment.
- Third-party service providers assisting with the application process.
- Government or legal authorities if required by law.
8. Liability Disclaimer
- We do not provide financial or legal advice. All finance agreements are between you and the selected finance company.
- We are not responsible for any decisions made by finance companies regarding loan approvals or rejections.
- We do not accept liability for any loss, damage, or inconvenience caused by the use of our services.
9. Changes to Terms and Conditions
- We reserve the right to update or modify these terms at any time. Any changes will be effective immediately upon posting on our website.
10. Governing Law
- These terms and conditions are governed by the laws of New Zealand. Any disputes shall be resolved in accordance with New Zealand law.
For any questions regarding these terms, please contact us at www.marsmotors.co.nz/
If you have any questions about these terms, please contact us.