terms & conditions

Terms & Conditions

Terms and Conditions
for our loan applications

You (the borrower) warrant that the information given in your application is true and correct and by applying you AUTHORISE this lender making all enquiries and obtaining all information it shall deem necessary at its discretion. You AUTHORISE all companies, institutions, credit agencies, organizations and other persons approached by this company for information about you to provide the information requested. You acknowledge that this company shall not be required to comply with the provisions of Principle 3 of the Privacy Act 1993 as to whether you shall be aware of:

  • the fact that the information is being collected,
  • the purpose for which the information is being collected,
  • the intended recipients of the information,
  • the consequences for providing information,
  • the rights of access to and correction of such information,
  • or that the collection of the information is authorized or required by or under law

If you agree to these Terms and Conditions you can submit your loan application

Privacy Policy

Use of Your Information

We take your personal information very seriously. We may request personal information such as your name, address, phone number or email address in order to:

  • fulfil requests for further information
  • complete a loan application
  • communicate with you and respond to your enquiries
  • contact you from time to time about our loan products
  • conduct occasional research about our loan products and customer service

We may also collect usage information about your engagement with our website to improve the user experience, such as pages viewed, time spent on site etc. This information is anonymous.

We do not sell or rent personal information to third parties.

We will never collect sensitive information about you without your explicit consent. The information we hold will be secure, accurate and up to date. You can check the information that we hold about you by emailing us. If you find any inaccuracies, we will delete or correct it promptly.

We will only release account and other personal information if we believe release is appropriate to comply with law, facilitate court proceedings, enforce or apply our terms and conditions, or protect the rights, property, or our safety, our users, or others.

Updating Your Personal Information

We will provide you with ways in which you can alter your personal data, including changing your email address, phone number, etc. You may also opt out of non-administrative emails at any time by clicking on the unsubscribe link in our promotional emails, or by emailing us at info@crester.co.nz.

Collecting Usage Information

As mentioned above we collect usage information when you visit our website in order to improve the user experience. We use Cookies and Pixel tags to collect this data. Cookies are small files containing a string of characters that are stored in a browser-related file on your computer’s hard drive when you use our website. Pixel tags are small graphic files that are placed on our pages. Cookies and Pixel tags are widely used on most major websites. No personally identifiable information is tracked or kept.

Third Party Advertising

Third party vendors, including Google, show our ads on sites on the internet. These vendors use their own cookies or pixel tags to serve adverts to you based on your prior visits to our website. We are not responsible for the information practices of these third parties. You may opt out of Google’s use of cookies by visiting the Google Advertising opt-out page.

Google Analytics

We use Google Analytics on our website to track your actions and help us optimise our site for conversions and usability. While we can see data gathered over a timeframe, we do not collect personally identifying information from any source as part of the terms of service of Google Analytics.

A condition of our use of Google Analytics is that we make reasonable endeavours to bring to your attention the following statement:

This website uses Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses “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 on servers in the United States. Google 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 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 behalf. Google will not associate your IP address with any other data held by Google. 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 in the manner and for the purposes set out above.

We have implemented Google Analytics demographic and interest reporting based on the Google Display Network in order to provide information about users that is used to optimise our website. Any data collected by Google for the purposes of Google Analytics will be treated according to Google’s Privacy Policy, if you would like to opt out of being tracked by Google Analytics, then you can do so using the Google Analytics Opt-out Browser Add-on.

Google AdWords Remarketing

We use Google AdWords Remarketing to advertise and trigger ads across the Internet. AdWords remarketing will display relevant ads tailored to you based on what parts of the website you have viewed by placing a cookie on your machine.


The cookie is used to say “This person visited this page, so show them ads relating to that page.” Google AdWords Remarketing allows us to tailor our marketing to better suit your needs and only display ads that are relevant to you.”

Do Not Track

If you are using a modern browser, you have the option to enable a “Do Not Track” feature in the browser’s privacy settings.

This has no effect on whether we collect any information you directly submit to us, but may restrict our ability to measure your anonymous path through our website or certain information about your browser/operating system.

If you would like to enable Do Not Track, you can read more information about it here.


We may provide tools on this website for you to tell a friend about products, and send out wish lists. These tools must not be misused in any way to send spam or other content which would violate our Privacy Policy or Terms and Conditions. We do not permanently store, sell, or rent these email messages or the email addresses.

Updates to our information practices

From time to time, we make changes to our information practices or alter the functionality of our website. We always update this statement accordingly, so we encourage you to periodically review this page for the latest information on privacy practices at www.crester.co.nz.

How to Contact Us

If you have any questions or concerns about our Privacy Policy or its implementation, or if you believe there are inaccuracies in your account information you can contact us as follows:

Crester Credit
3 Shirley Road

(03) 385 4854

Your Security

SSL Security

SSL (Secure Sockets Layer) is a cryptographic protocol designed to keep communication safe over the Internet. An SSL certificate is a digitally signed file issued for this website. Besides the website, the certificate also contains the issuer signature, serial number, expiration date, etc.

You will notice our URL begins with https instead of the standard http. This assures you that you are on a secure website.


An SSL certificate helps to protect sensitive information such as logins, passwords, account details etc during Internet communication. All information is encrypted before being submitted, and only the web server and the website visitor have personal keys to decrypt and recognise it. Encryption also prevents eavesdropping and tampering with information by hackers and identity thieves.

How to Contact Us

If you have any questions or concerns about our Security or its implementation you can contact us as follows:

Crester Credit
3 Shirley Road

(03) 385 4854

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