About Credit Capable

About Credit Capable | Rates, Fees and Documentation

About Credit Capable and products we finance
Drawing on eight years experience in the Computer Industry we provide Fast and Friendly finance through a network of nationwide retailers.
Finance Made Easy has been our motto since we started in 1998 and we take pride in providing a simple and user friendly lending experience.

You will find your application process for your purchase to be Quick, Simple and Secure, supporting the following products listed below.


	Computers, Printers and Servers Phones - Smart, P.B.X and V.O.I.P Cameras and Photographic Equipment Tools, Machinery and Industry Equipment


	Furniture and Beds Out Door Furniture and BBQs Sports and Exercise Machines White Ware and Kitchen Appliances


	Rates and Fees Unsecured interest rates may vary if your retailer is providing Interest Free or reduced Business rate options. Interest Free and Deferred Start selections are available from the Individual Finance section of our web site, but alternatives may be available from our retailers web sites.


	Individual Finance (Rates range from 13.75% to 19.95% per annum) For purchases over $500.00, payment terms are available from 6 to 36 months. Your normal payments will not vary during your term, unless you make a balloon payment that will either reduce your repayments or the term of your payments.

	Credit Fees and Charges Included in your initial balance and payable under or in connection with the contract.**

	$55 Booking / Establishment fee (Our set-up fee that is included in your amount to be financed) $3.15 Monthly Administration fee (Charged only during the payment term of your account that is active)

	Six Monthly Statement We will continually disclose the status of your account on a six monthly basis.

	Additional statements can be provided upon request for $3.50 Call accounts on 0800 71 11 11 - Ext 2
	Click here for a list of fees and charges that are not included in the initial balance.


	Business Finance (Rates range from 13.95% to 17.50% per annum) The task of continually upgrading your business and paying the full upfront cost will drain your bank balance. Conserve your Working Capital by using a Business Loan or Business Rental to acquire what you need to make your business grow.

	Credit Fees and Charges Included in your initial balance and payable under or in connection with the contract.**

	$95 Booking / Establishment fee (Our set-up fee that is included in your amount to be financed) $3.15 Monthly Administration fee (Charged only during the payment term of your account that is active)

	Six Monthly Statement We will continually disclose the status of your account on a six monthly basis.

	Additional statements can be provided upon request for $3.50 Call accounts on 0800 71 11 11 - Ext 2


	Individual Finance (Documentation)

	Application Form Credit Contract General Terms and Conditions


	Business Finance (Documentation)

	Application Form Business Contract General Terms and Conditions


	We will not secure over your home contents or car like a personal loan.* Benefits include the ability to make balloon payments and upgrade during your term. All products financed are to be from a Credit Capable or a reputable retailer. They will need to supply their bank account details on the invoice for your purchase made out to. Credit Capable Ltd \| P.O. Box 31 720 \| Milford \| Auckland 0741

Website Terms


	We have provided a schedule of our Website Terms that covers the following topics.


	Use of this website Links from this website Links to this website


	Intellectual property Applications and Personal Information General

The information provided on this page covers general information on the above topics only. If you have feedback or require further information that is not listed, please use our feedback page.

Welcome to our website. If you continue to browse and use this website you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our Privacy Policy govern Credit Capable’s relationship with you in relation to this website.

The term “Credit Capable Limited” or “Credit Capable” or “us” or “we” refers to the owner of the website whose registered office is 11k Piermark Drive, Albany, Auckland. The term “you” refers to the user or viewer of our website.

The use of this website is subject to the following terms of use:

Use of this website
The content of the pages of this website is for your general information and use only. It is subject to change without notice. Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.

Links from this website
From time to time this website may link to other websites. These links are provided for your convenience only to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s). Our privacy policy and terms of condition do not apply to any linked website.

Links to this website
You may not create a link to this website from another website or document without Credit Capable’s prior written consent. If you create a link to this website you remain fully responsible for any direct or indirect consequences of that link.

Intellectual property
This website contains material which is owned by Credit Capable. This material includes, but is not limited to, the design, layout, look, appearance and graphics. You may electronically reproduce and store the website’s contents solely for the purpose of viewing the website. No part of this website or the related files or documents may be otherwise reproduced or transmitted in any form, by any means (electronic, photocopying, recording, or otherwise) without the prior written permission of Credit Capable.

All files, documents and information on this website is to be used for their intended purpose only.

Applications and Personal Information
Information on this site has been prepared in accordance with New Zealand Law. Accordingly, all products and services offered in the website are only available to
New Zealand residents. Only New Zealand Citizens and Permanent Residents may apply for finance.

All interest rates and quoted repayment amounts on this website are indicative only and are subject to change at any time, without notice. No information provided on this website is to be considered as an offer for finance or services.

All applications received by Credit Capable are subject to credit criteria and a booking fee may apply. A repayment waiver fee and other charges may apply.

General
Whilst all effort is taken to ensure that the information provided on this website is accurate neither Credit Capable nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose.

You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

Use of this website is governed by the laws of New Zealand.


	We have provided a schedule of our Privacy Policy that covers the following topics.


	What we collect How we handle your information The security and protocols we use


	The controls for your information provided How we use your Web Cookies

The information provided on this page covers general information on the above topics only. If you have feedback or require further information that is not listed, please use our feedback page.

Credit Capable Ltd values the importance of safe guarding the personal and financial information you provide. We are committed to ensuring your privacy.
Your application will ask you to provide information that will be used to identify you. As this information is confidential and important to you we have provided the following privacy statement so you know how we treat your information.

What we collect

Information we need to process your application and provide better service

Address information on where your live, current and or previous.
Contact and identity information including your email address.
Occupational title, income and duration employed.
Financial information on assets and liabilities.
Web traffic information including IP address.

In addition, a web server may collect web traffic information such as the number and location of visitors (via IP address), the time and date of visits, the number of pages viewed, technical browser information and logs of website activity and traffic.

How we handle your information

What we use your Information for

Detecting identity fraud and ML/FT attempts.
Correctly identify you when processing your application.
Internal record keeping and previous account identification.
Improving our products and services that we can offer you.
Periodically sending emails to you with promotional information. (Only by your express consent)

You can help us to make sure your information is kept up to date. If you think the information we have on you is out of date or inaccurate, please use the Feedback TAB for corrections to your records.

The security and protocols we use

What we have in place to ensure your security

Server encrypted in real time, all customer data.
Hardware FortiGate Fire Wall with Fibre Connectivity.
Windows desktop Best Practice Security user Login.
Cloud based automated encrypted backup procedures.
Web Server encrypted application.

We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect from you.

The controls for your information

What we pledge and how to request your Information

We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties which we think you may find interesting, or if you tell us that you wish this to happen.

You may request details of personal information which we hold about you under the New Zealand Privacy Act 1993. If you would like a copy of the information
held on you please write to : Credit Capable Limited, P O Box 31-720, Albany, Auckland 0741.

How we use your Web Cookies

What they are and what we do with them

Cookies are small pieces of information which are stored by a website on your hard drive. Cookies store information about web traffic and are an integral part of our website functionality. They allow web applications we use to respond to you as an individual and can then tailor to your needs likes and dislikes, by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Call Recording Policy


	Phone Call Recording Privacy Policy Credit Capable records all telephone calls made to our general telephone numbers. We record calls for our business purposes, such as:


	Staff training To improve our customer service and the information we provide to you. To report on the type and number of telephone enquiries we get.


	To have an accurate record of what was said during your call, which may be used if there is a dispute about the content of your call or to confirm any matters agreed to during the call.

The information on the recordings will be held by us and used and disclosed for these purposes. We will take reasonable steps to ensure the recordings are kept secure. You have the right under the Privacy Act to request access to and correction of any personal information we hold on you. Should you wish to make an access request please send the request to us:

By email - Attention: Privacy Officer
accounts@creditcapable.co.nz

By post - Attention: Privacy Officer
Credit Capable Limited, PO Box 31720, Milford, Auckland 0620

If you would like to contact us about this privacy policy, or any matter regarding how we handle your personal information, please contact us. If you are not satisfied with our response to your query or matter, you can contact the Privacy Commissioner. Contact details for the Privacy Commissioner can be found at www.privacy.org.nz.

Feedback

We value your feedback as this helps Credit Capable to provide a level of service that we have been proud of since 1998.

Use this Feedback page if you have ideas about our Website, or have dealt with a Credit Capable representative and would like to submit feedback. Your feedback
will need to be constructive and based on fact. Phone conversations in our company phone system may be recorded for training and reference purposes.


	Customer Name (full name) *


	Contract / Reference Number


	Contact Ph Number *


	Email Address *


	Feedback *


	If you have a complaint, please refer to our Complaint Handling Procedure.


	Verification of Human Input *


	Insert the text in the field to the left from the image below and click submit.





Credit Capable Limited. All Rights Reserved.