We are committed to ensuring that our customers’ personal information is only collected, held, used and disclosed in accordance with the Privacy Act and this Privacy Statement.
All references to Cars Unlimited include Cars Unlimited successors and assigns.
Information we collect
As a Cars Unlimited customer, we may collect personal information from you in order to allow us to provide services to you.
Any personal information will be collected directly from you, unless you have authorised us to collect that information from another party (for example, a credit reporting agency).
When we collect personal information from you, we will make clear the ways in which we may use or disclose that information, and will ask for your authorisation to do so.
You do not have to provide us with information we request, however it may affect the services we can provide to you.
You have the right to access and request correction of any personal information that we hold about you, and full details of every organisation or person to whom we have disclosed information about you, by contacting Cars Unlimited on Steve Taylor 021 960 432
Cars Unlimited may assign “unique identifiers” where necessary to enable our business functions to be carried out more effectively and efficiently.
You may be identified by your customer number and password should you wish to access your personal information.
How we protect this information
We will take all practicable steps to safeguard the personal information of our customers.
This may include engaging a third party to provide services relating to the security and storage of that information.
We will not continue to store personal information when it is no longer required for any of the purposes for which it may be used.
Use of information
We have controls in place to ensure that your personal information will be used only for the purposes for which it was collected and purposes which you have authorised.
Generally, these purposes will be:
Unless you inform us that you do not wish to be contacted by us, we may use your personal information to contact you, including by mail, email and telephone (including SMS) to provide you with information about and discuss other products or services provided by Cars Unlimited, or products and services provided by selected third parties in which we think you may have an interest.
We will not use or act on any of your personal information without taking reasonable steps (having regard to the purpose for which the information will be used) to ensure that the information is accurate, up to date, complete, relevant, and otherwise not misleading.
If we believe that your information is inaccurate, not up to date, incomplete, irrelevant or otherwise misleading, we will ask you (or, with your consent, another person or organisation) to verify that information before we use it.
Disclosure of information
As a Cars Unlimited customer, you consent to your personal information being disclosed to or obtained from other organisations or people we consider appropriate for the purposes listed above.
Those other organisations or people include:
In particular, we may use the services of credit reporting agencies on an on-going basis, and may exchange information about you with those agencies (including information about your default and repayment history).
Those agencies may retain that information and provide that information to other customers who use their credit reporting services.
We may also disclose your information where that disclosure is permitted under the Privacy Act, such as where the disclosure:
Our web service collects the domain names, not the email addresses of visitors.
Our web server may require an individual to place a “cookie” (small data file) on a user’s computer’s hard drive, in order to track statistical information about navigation to and throughout certain areas of our website.
Third party websites
From time to time, Cars Unlimited may enable third parties to advertise on our website.
Further information about Cars Unlimited’s privacy statement can be obtained by telephoning Steve Taylor 021 960 432.
|This fee covers the cost of processing, assessing and approving your finance application. It will only be charged if your finance application is approved.|
|This fee covers the cost to the Dealer of preparing and processing your application for finance.|
|This is the cost to us of searching and registering a security interest on the Personal Property Security Register.|
|Charged to your account when an additional statement is requested and delivered over and above any statement provided free of charge.|
|Maintenance||$5.00 per month|
|This fee will be charged to align with the frequency of your loan repayments and covers the cost of keeping your loan active.|
|Variation of contract||$350.00|
|Charged when a variation, assignment or an unscheduled part prepayment is completed. This fee is payable at the time UDC consents to the variation, assignment or part pre-payment.|
|Early settlement||$270.00 plus a variable amount|
|If you repay your loan in full before the final payment, then two different fees are charged:
|Default interest charge||5% p.a. plus the annual interest rate stipulated in your contract|
|Default interest is calculated at the rate of 5% per annum plus the annual interest rate referred to in your contract. If you fail to make any payment on the due date default interest is payable on the overdue amount from the due date until the date UDC receives full payment of that overdue amount.|
|Charged when a scheduled loan payment is dishonoured by your bank or when an automatic payment fails. The fee is payable and will be debited to your account at the time the relevant payment was due.|
|Late payment fee||$45.00|
|Charged when a scheduled loan payment is not made on time and remains unpaid for seven days. The fee is payable and will be debited to your account at the time the relevant payment was due.|
|Repossession action fee||$75.00|
|Payable in the event UDC commences repossession of the asset(s) taken as security. This fee will be debited to your account at the time repossession action is commenced.|
|Post repossession fee||$100.00|
|This fee is payable and will be debited to your account after realisation of the assets or abandonment of realisation.|
These fees are effective from 1 August 2012.
Interest rates are from 10.95% to 18.95%
The 'Stock Number' can be found on the details page of each vehicle