1. The applicant hereby irrevocably authorises and agrees that Merchant West / Kuda Holdings may: Make any reasonable enquiries to confirm the details provided in this application. Disclose confidential information obtained in the course of the application in making such enquiries.

2. The applicant consents to Merchant West / Kuda Holdings checking his/her credit record with any credit reference agency for

3. The applicant consents to Merchant West / Kuda Holdings providing credit reference agencies, as well as the National Loans

4. The applicant also agrees that credit reference agencies may, in turn, make his/her record and details available to other credit providers for credit reference purposes.



I hereby certify that I have made a full and accurate disclosure of my monthly income, expenses and other obligations and that that the information submitted by me and recorded in this application for credit is true and correct in every detail.