Privacy Policy & CREDIT GUIDE AND QUOTE

PRIVACY CONSENT
Finance101.com.au Pty Ltd (ABN 56 369 337 910), Credit Licence number 521899 (referred to as “Finance101.com.au”/we/us”). By signing this document, you agree we can collect, hold, use and exchange personal and credit information about you for these stated purposes. The Privacy Policy also contains information on how you can complain about a breach of the privacy laws, how you can access or request to correct your personal and credit information that we hold about you and how to have that information amended.

Finance101.com.au will collect, store, disclose and use personal information and credit information that you provide to us in accordance with the terms of this Privacy Consent and our Privacy Policy. You may obtain a copy of our Privacy Policy by contacting us on 1800 346 101 or by emailing us at approvals@finance101.com.au. By signing this document, you agree we can collect, hold, use and exchange personal and credit information about you for these stated purposes. The Privacy Policy also contains information on how you can complain about a breach of the privacy laws, how you can access or request to correct your personal and credit information that we hold about you and how to have that information amended.

What is personal information?
Personal information is information or an opinion about an identifiable or reasonably identifiable person. The personal information we will collect and hold will include your name, date of birth, gender, telephone number, address, email, employment details and any other information we may need to identify you.

What is credit information?
Credit information is personal information that relates to credit that a person has applied for or has been provided. The credit information that we will collect from you may include your records of credit that you have applied for (including the name of the credit provider, the type of credit and the amount of credit), default information or any other information that has a bearing on your credit worthiness used to determine your eligibility for credit. Credit information also include credit reporting information supplied to us by a credit reporting body and any information that we derive from it.

We will collect, hold, disclose and use your personal and credit information to:
assess and verify your identity and financial situation;
assess your credit application or your suitability as a guarantor to a credit application;
provide such information to a guarantor or related applicant;
exchange your information with a credit reporting body;
disclose your information to credit providers as set out in our ‘Credit Provider Schedule’ to arrange credit;
disclose your information to our aggregation partners as set out in the Aggregation Partners section of this document;
disclose your information to an insurer to arrange insurance you wish to obtain;
obtain from, and disclose to, third parties such as your employer, landlord, real estate agent, lending institution, and guarantor who are deemed
as reasonably necessary to arrange finance and/or insurance;
and refer you to other organisations, service providers, or business partners or obtain referrals from them to you.
We may not be able to proceed with credit assistance without the ability to collect, hold, disclose and use your personal and credit information.

Identity & financial situation verification
We are required by the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth)to collect and use personal and credit informationfrom you in order to identify you. We are also required by the National Consumer Credit Protection Act 2009 (Cth) to collect credit information and personal information about you and take reasonable steps to verify this, including your financial situation. This verification may include enquiring via a credit reporting body.

Authority to make requests
You authorise us to make requests for personal and credit information from credit providers and credit reporting bodies. By signing this Privacy Consent, you consent to the credit providers listed in the schedule to this consent doing any of the following:
where you are the borrower—obtaining information or a report about your commercial activities or commercial credit worthiness for the purpose of assessing your application from any business which provides information about the commercial credit worthiness of persons (this includes a credit reporting body);
where you are the borrower—giving to and obtaining from any credit provider named in your credit application or in a credit report on you issued by a credit reporting agency, information about your credit arrangements for the purposes of:
assessing your application for credit;
notifying a default by you;
allowing another credit provider to ascertain the status of your finance arrangements with us where you are in default with one or more other credit providers;
and generally assessing your credit worthiness;
where you are the borrower—disclosing personal and credit information to a person you have nominated to act as guarantor for the purpose of the guarantor considering whether to offer to act as a guarantor or offer property as security for the credit;
and where you are the guarantor—obtaining a report about your credit worthiness from a credit reporting body for the purpose of assessing whether to accept you as a guarantor.

You acknowledge and agree that the information referred to above can include any information about your personal and/or commercial credit worthiness, credit standing, credit history or credit capacity which the Privacy Act 1988 (Cth) allows credit providers to give to or receive from each other.

Credit reporting bodies
We may exchange personal and credit information with a credit reporting body as detailed below:
disclosure of details such as name, date of birth and address to obtain a credit report on the applicant or guarantor in our capacity as an access seeker in the credit assistance process;
use any information provided by a credit reporting body to assist us in conducting a preliminary assessment of a proposed credit application and its suitability to the applicant;
and request a credit reporting body to provide us with an assessment of whether information provided by the applicant or guarantor matches that in the credit report to verify the identity of applicant and/or guarantor.

Our current credit reporting body is Equifax you can contact them on phone 13 8332 during opening hours of Mon-Fri 8.30am to 6.00pm Eastern Standard Time, or via their website www.equifax.com.au. You can also obtain their Privacy Policy from their website at www.equifax.com.au.

Disclosures
We will disclose or exchange your personal and credit information to the following persons:
a. potential credit providers and/or insurers as part of our credit assistance process;
b. third parties to verify the details provided are correct, including with your agents, guardians, attorneys and employers;
c. our related body corporates, assignees, agents, contractors, and advisers;
d. law enforcement, government, and regulatory bodies;
e. any person who refers you to us for credit assistance;
f. joint applicants and guarantors;
g. any financial institution to, or from which a payment is made;
h. debt collection agencies; and
i. anyone who refers you to us.

We will not disclose your personal and credit information to any overseas recipient.

Your rights
You have the right to ask:
that we provide you with the personal and credit information we hold about you;
that we correct any personal and credit information we hold about you that is shown to be incorrect;
for copies of our Privacy Policy and this document;
the credit reporting body does not use your personal information for assessment purposes or direct marketing; and
the credit reporting body provides you with a copy of information it holds about you.

To access and/or seek correction of your personal or credit information we hold, or make a complaint about privacy, you can contact us on phone number 1800 346 101 or by emailing us at approvals@finance101.com.au or registered post to Suite 1.02/371 Macarthur Avenue Hamilton QLD 4007 AU.

Marketing
We would like to contact you from time to time with marketing information about the products and services we provide. You can opt-out of receiving
direct marketing communication from us at any time.
If you do NOT want to receive marketing information f rom us, please email approvals@finance101.com.au.

Electronic communication
If you provide us with an email address or mobile phone number, you consent for us to use these details to send you, or make available to you, notices and relevant documents, including those from a credit provider or insurer. You are therefore responsible for maintaining appropriate software, hardware and associated processes to receive, access, review, print and save copies of such documents.
This consent applies to all types of communication that is permitted by law to occur electronically. Therefore, paper (hard copy) documents may not be provided to you, unless we are obliged to by law. You must regularly check advised electronic communication mediums for communication from us. If your details change, you must promptly notify us.

If you wish to withdraw your consent to electronic communication, please notify us on phone number 1800 346 101 or by emailing us at approvals@finance101.com.au or registered post to Suite 1.02/371 Macarthur Avenue Hamilton QLD 4007 AU.

Credit providers
We may submit a credit application to credit providers listed in our ‘Credit Provider Schedule’. If a credit provider holds pertinent credit eligibility information, the credit provider must share this information with us, yourself or someone you have authorised to act on your behalf. Credit providers may also engage directly with a credit reporting body to make a credit enquiry and you can ascertain the details on this and how they handle personal and credit information via their websites which are listed in our ‘Credit Provider Schedule’. If your credit application proceeds with a credit provider you may be asked again for your consent to collect, store and use and disclose your personal and credit information by this credit provider.

Credit providers may provide your personal information (including information about your driver licence or passport) to an organisation providing verification of your identity, (including credit reporting bodies), to request an assessment of whether that information matches information held by the issuer of the identification document via the use of third party systems (this may also include electronic identity verification). Alternative means of verifying your identity may be available.

CREDIT PROVIDER SCHEDULE
Finance101.com.au Pty Ltd ATF The Finance101.com.au Unit Trust (ABN13 866 441 370), Credit Licence number 521899
Credit Provider ABN / ACN Website Address
ABN Commercial 91 632 265 546 www.abncommercial.com.au
Addcash 56106311237 https://www.addcash.com.au/
Affordable Car Loans 393709 https://affordablecarloans.com.au
Alex Bank 13 627 244 848 alex.bank
Allied Credit 143 964 667 https://alliedcredit.com.au/
Alma Finance 40 128 139 515 www.almafinance.com.au
Angle Auto Finance 161130696 https://www.angleauto.com.au/
Angle Finance 603303126 www.anglefinance.com.au
ANZ 11 005 357 522 https://www.anz.com.au
ARG Heavy & Commercial Vehicles 45 637 141 998 https://www.arg.ltd/
Aussie Credit 59126911635 https://aussiecredit.com.au/
Australian Motorcycle & Marine Finance 85 603 969 875 https://www.ammf.com.au/
Australian Premier Finance 54104959435 https://www.australianpremierfinance.com.au/login/
Automotive Financial Services 73 003 622 375 https://www.afs.com.au
Autopay 40 163 691 236 l www.autopay.com.au
AWN Insurance 78 075 483 206 www.awninsurance.com.au
Azora 087 826 159 https://www.azorafinance.com/asset-finance
Azora Consumer Car Loans 53 147 803 576 https://www.azorafinance.com/asset-finance
Banjo Loans 601 130 527 www.banjoloans.com.au
Bizcap 633927090 bizcap.com.au
BOM 33 007 457 141 https://www.bankofmelbourne.com.au
BOQ EF 56 065 745 735, www.boqfinance.com.au
BOQ Finance / Leisure 92080151266 www.boqfinance.com.au
Branded Financial Services 27 004 013 334 www.brandedfinancial.com.au
Business Fuel 629 419 021 www.businessfuel.com.au
C1 Car Loans 95 113 695 453 www.c1carloans.com.au
Capify 38 630 469 117 https://www.capify.com.au/
Capital Finance 23 069 663 136 https://www.capitalfinance.com.au
CarStart Finance 47 156 477 413 www.carstart.com.au
CBA 48 123 123 124 www.commbank.com.au
CFI Finance 166 603 578 https://www.cfifinance.com.au/asset-finance/
Club Marine 15 000 122 850 https://www.clubmarine.com.au/
Commercial Equity Group 67 009 509 077 https://www.commercialequity.com.au/
Community First 80 087 649 938 https://communityfirst.com.au/
Credit Concierge 78 625 017 165 https://creditconcierge.com.au
Dynamoney 40 603 273 365 www.dynamoney.com
Early Pay 098 952 277 https://www.earlypay.com.au/
emoney Home Loans 079790364 www.emoneyhomeloans.com.au
Finance One 80 139 719 903 https://prime.financeone.com.au
Finance One Commercial 18 634 900 548 https://prime.financeone.com.au
Finstro 46 605 121 364 https://finstro.com/en-au
Firstmac 59 094 145 963 https://www.firstmac.com.au
FleetPlan 69143973531 www.fleetplan.com.au
FlexFleet 51081785711 https://www.flexfleet.com.au
Flexicommercial Pty Ltd 17 644 644 860 www.flexicommercial.com
Forward Finance Pty Ltd 60162976981 forwardfinance.com.au
Fox Symes 35 091 225 357 www.foxsymescarloans.com.au
Gedda Money 83 611 343 572 www.gedda.com.au
Geneva Finance 11111111111 https://www.genevafinance.co.nz/?utm_source=googlemaps&utm_medium=auckland
Golden Loans 96 141 873 743 https://goldenloans.com.au/
Green Light Auto 39 131 507 474 https://loans.greenlightauto.finance
Grenke 27615226045 www.grenke.com.au
Group & General Finance 87000903257 https://www.groupandgeneral.com/
Jacaranda Finance 53162078195 jacarandafinance.com.au
Judo Bank 11 615 995 581 https://www.judo.bank/home
Latitude EMotor 80 004 187 419 https://emotor.latitudefinancial.com.au
Latitude Personal Loans 54008443810 https://www.latitudefinancial.com.au/personal-loan/
LeaseWise 73000132436 https://leasewise.com.au/
Liberty 55 077 248 983 www.iq.liberty.com.au
Lumi Finance 75 627 897 625 www.lumifinance.com.au
Macquarie Leasing 46 008 583 542 https://introducer.macquarie.com.au/landing
Macquarie Leasing Commercial 46008583542 https://introducer.macquarie.com.au/landing
Madura LTD (Bendigo Leasing and Finance Pty Ltd) 15081835332 www.blf.com.au
Metro CF Pty Ltd 85 650 102 891 www.metrofin.com.au
Metro Finance 44 600 674 093 www.metrofin.com.au
Miracle Car Finance 73 121 367 226 http://miraclecarfinance.com.au/
Money 3 63 117 296 143 www.money3.com.au
Money Place 25 081 982 872 https://moneyplace.com.au/how-it-works
MoneyMe 40163691236 https://www.moneyme.com.au/privacy-consent
Moneytech Group Limited 24 611 393 554 www.moneytech.com.au
Morris Finance 70 083 630 139 www.morrisfinance.com.au
Moula Money Pty Ltd 95164875325 www.moula.com.au/partner
Multipli 12 130 240 443 www.multipli.com
NAB 12 004 044 937 https://www.nab.com.au/
National One Automotive 83 130 591 178 nationaloneautomotive.com.au
Nautilus Marine 93 004 727 75 http://www.nautilusinsurance.com.au/
New Start Auto Loans 82 127 430 559 www.newstartautoloans.com.au
Now Finance 158 703 612 https://nowfinance.com.au
On Deck Capital Australia Pty Ltd 28 603 753 215 www.ondeck.com.au
Orix 79002992681 www.orix.com.au
Parallel Finance 25 132 674 643 https://parallel.fi/
Pepper Asset Finance 56 165 183 317 https://www.peppermoney.com.au/
Plenti 57 166 646 635 https://members.plenti.com.au/Container/brokerportal/login
Presidian 99 166 382 369 www.presidianwarranty.com.au
Prospa 47 154 775 667 www.prospa.com
Quest 17625126641 https://quest.finance/
RACV Finance Ltd 82 004 292 291 racv.com.au/finance
Rapid Loans 54 103 660 546 www.rapidloans.com.au
Rapid Loans V1 54 103 660 546 www.rapidloans.com.au
Rapid Loansv2 54 103 660 546 www.rapidloans.com.au
Resimac Asset Finance 93 098 034 041 www.resimacassetfinance.com.au
Rohanna Pty Ltd 008 905 477 https://www.johnhughes.com.au/
Salt and Lime 619 815 833 https://www.saltandlime.com.au/
Scotpac Business Finance 79 008 636 388 www.scotpac.com.au
Selfco 099591616 https://selfco.com.au/
Shift 24 149 390 625 https://www.shift.com.au/
Society One 423660 societyone.com.au/broker
Southern Cross Credit Union Pty Ltd 82 087 650 682 https://www.sccu.com.au/
Sovereign Credit 77 089 890 326 www.sovereigncredit.com.au
Speedy Business Finance 19648718370 www.speedybusines.com.au
St George Automotive Finance 33007457141 stgeorge.com.au
Swoosh Finance 67118176631 www.swoosh.com.au
Thorn Business Finance 87 626 540 832 https://www.thornbusinessfinance.com.au/thorn-business-finance/contact-us
TL Rentals 27 071 702 264 http://www.tlrentals.com.au/
True Pillars 623 138 241 https://www.truepillars.com/
Ume Loans 25 138 637 064 www.umeloans.com.au
Volkswagen Financial Services 20097071460 www.vwfs.com.au
Westpac 33 007 457 141 www.westpac.com.au
WISR 39 119 503 221 www.wisr.com.au

Aggregation partners
We have finance aggregation arrangements with the following entities who assist us in having access to a wide range of credit providers. We may utilise their systems as part of our credit assistance process and other platforms for potential ongoing client contact. We may also share your details as part of compliance audits.
Fintelligence Pty Ltd (ABN 80 625 017 174), Australian Credit Licence #511803

CREDIT GUIDE & QUOTE

Key Information:
This Credit Guide & Quote is provided by Finance101.com.au Pty Ltd (ABN 56 369 337 910), Credit Licence number 521899. Our address is Suite 1.02/371 Macarthur Avenue Hamilton QLD 4007 AU. Our contact details are phone – 1800 346 101 and email via approvals@finance101.com.au.

Our Credit Services:
We will assist you to select a loan or lease to meet your needs. The credit providers we most commonly use are Secure Funding (Liberty), Pepper Money, Latitude Financial Services, Branded Financial Services, WISR and Plenti, although we do use others.
Information we will require f rom you:
We are obliged to ensure any loan or lease we suggest or assist you to apply for, including an increase to an existing credit limit, is not unsuitable for your purposes. This includes if the loan or lease does not meet your requirements or objectives, if you are unable to make the repayments, or you could only do so with substantial hardship. Therefore, we will need some information from you. It is important that the information you provide is entirely accurate.
Copies of our Assessment:
At any time within 7 years of us providing you with credit assistance, you may request a copy of the preliminary credit assessment. We will provide you with this documentation within 7 business days of receiving your request. However, if your request is more than 2 years after the date of our Credit Quote, we may take up to 21 business days after receiving the request.
Fees payable by you to us:
We may charge you up to $11,000 (incl. GST) as an Origination Fee for our services when providing credit assistance, although this is only payable should the loan proceed. It is a one-off fee, payable at loan settlement. This fee may be paid directly to us, or part of the loan disbursements. If via loan disbursement, this will increase your loan by the fee amount.
Fees payable by you to third parties:
When the application for a loan or lease is submitted and ultimately proceeds to settlement, you may be required to pay fees to third parties associated with the application; such as the credit provider’s application fee, security registration fee, inspection fee or other fees. If applicable, these will be detailed in the Credit Proposal document and provided to you before you apply for finance. You can ask us how they are worked out.
Commissions received by us:
Commissions may be payable to us by the credit provider for any loan or lease that is settled. The amount varies between lenders and the amount of credit that you receive. These are not directly payable by you, and these will be disclosed within the Credit Proposal document that will be provided to you before applying for finance. You can ask us for an estimate of these commissions and how they are worked out.
Commissions payable by us:
If you are referred to us by a third party, we may pay that entity a commission for the introduction of your business. For example, we may pay commissions to real estate agents, car or boat dealerships and accountants. These commissions are not directly payable by you. You can ask us for an estimate of these payments and how they are worked out.
Complaints:
We hope that you’re pleased with our service, although if you do have a complaint you can contact our Complaints Officer on – 1800 346 101 and email via approvals@finance101.com.au or mail to the address listed in the ‘Key Information’ section above. Please provide us with as much detail as possible in your complaint so we can address promptly and hopefully resolve it to your satisfaction. If you are not satisfied with the outcome of our attempt to resolve your complaint, you may refer the matter to the Australian Financial Complaints Authority Australia on phone 1800 931 678 or by writing to GPO Box 3 Melbourne VIC 3001. The Australian Financial Complaints Authority Australia is a no-charge external and independent dispute resolution service.