Your rights to your information. You and the Guarantor have the right to access and request correction of information we hold about you, and full details of every organisation to whom we have disclosed information about you, by contacting us on 0800 85 30 30. Clause 15: Dictionary Some of the terms used in this Agreement are defined in the “Commercial Terms”. Otherwise: accrued (interest) interest which is calculated and grows on the principal amount of the Loan Agreement these General Terms and the Commercial Terms (including the Fee Schedule) Annual Interest Rate the rate stated in the “Annual Interest Rate” section on page 1 of the Commercial Terms (or the updated Annual Interest Rate if we have updated it in accordance with clause 12.2(b)(iii)) assign to pass rights to another person (but not obligations) bankrupt includes the bankruptcy of, and entry into any “non-asset procedure” (which is an alternative to bankruptcy) by an individual Borrower or Guarantor and the dissolution, liquidation, receivership, administration and winding-up of any other Borrower or Guarantor Borrower the person or persons named as a “Borrower” on the front page of the Commercial Terms business day a day (other than a Saturday, Sunday or public holiday observed in New Zealand) on which registered banks are opened for general banking business in New Zealand Commercial Terms the terms set out under the heading “Commercial Terms” at the beginning of this Agreement cost includes all commissions, charges, losses, expenses (including legal fees on a solicitor and own client basis) and taxes that we incur debt includes any obligation you have to us now or in the future in any capacity relating to the payment of money Default Interest Rate is defined in clause 5.1 as the higher of the rate per annum equal to (a) the Annual Interest Rate at the time of the default plus 6 per cent per annum and (b) 18 per cent per annum (as amended under clause 12.2(b)(iv)) dispose includes any assignment, transfer, lending arrangement, variation of terms, lease, sub- lease and sale and anything that has the same effect as any of those things due owed to us on a specific date Event of Default any event listed in clause 6.1 and any other circumstance that is likely to be such an event if we give you notice, or if time passes, or if another requirement is met financing statement has the meaning given in the PPSA financing change statement has the meaning given in the PPSA
Your rights to your information. You and the Guarantor (if an individual) have the right to access and request correction of information we hold about you or the Guarantor (as applicable), and full details of every organisation to whom we have disclosed information about you or the Guarantor (as applicable).
Your rights to your information. You have the right to access and request correction of information we hold about you, and full details of every organisation to whom we have disclosed information about you.
