The information in this application is provided for the purpose of obtaining or maintaining credit with Time Living. The undersigned understands that we are relying on the information provided herein in deciding to grant, continue or deny credit. The undersigned represents and warrants that the information provided is true and complete and that we may consider it as continuing to be true and correct until a written notice of change is given to us by the undersigned. The undersigned grants authorisation to Time living to make all inquiries deemed necessary including sharing information with the CPA (credit protection association) to verify the accuracy of the statements made herein and to determine the amount and conditions of credit to be extended. The undersigned understands that neither this application nor any information provided in connection with it shall create any obligation on the part of Time Living to extend any credit whatsoever. The undersigned understands by signing this application they agree to adhere to Time Living’s trading terms and conditions.