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:
(a) assess and verify your identity and financial situation;
(b) assess your credit application, or your suitability as a guarantor to a credit application;
(c) provide such information to a guarantor or related applicant;
(d) exchange your information with a credit reporting body;
(e) disclose your information to credit providers as set out in our ‘Credit Provider Schedule’ to arrange credit;
(f ) disclose your information to an insurer to arrange insurance you wish to obtain;
(g) 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
(h) 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 information from 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:
(a) 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);
(b) 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 purposes of:
(i) assessing your application for credit;
(ii) notifying a default by you;
(iii) 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
(iv) generally assessing your credit worthiness;
(c) 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
(d) 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.
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.
Credit reporting bodies
We may exchange personal and credit information with a credit reporting body as detailed below:
(a) 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;
(b) 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
(c) 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.
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 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 your personal and credit information by this credit provider.
CREDIT PROVIDER SCHEDULE
Affordable Car Loans 23 098 491 484 www.affordablecarloans.com.au
Australian and New Zealand Banking Group Ltd (ANZ) 11 005 357 522 www.anz.com
Australia Motorcycle and Marine Finance 85 603 969 875 www.ammf.com.au
Australian Premier Finance 54 104 959 435 www.australianpremierfinance.com.au
Automotive Financial Services Pty Limited 73 003 622 375 www.afs.com.au
Axsess today 50 603 323 182 https://www.axsesstoday.com.au/
Bank of Queensland Limited 32 009 656 740 www.boq.com.au
BMW Australia Finance Limited 78 007 101 715 www.bmw.com.au
Capital Finance Australia Limited 23 069 663 136 www.capitalfinance.com.au
Car Start Pty Ltd 47 156 477 413 www.carstart.com.au
Commonwealth Bank of Australia 48 123 123 124 www.commbank.com.au
Drive Finance 70 078 429 151 www.drivefinance.com.au
Evergreen Finance Company Pty Ltd 35 126 481 865 www.evergreenfinancecompany.com
Finance One 80 139 719 903 www.financeone.com.au
Fix My Credit 33 616 193 287 www.fixmycred.com.au
Firstmac Limited 094 145 963 www.firstmac.com.au
Flexirent Capital Pty Ltd 93 064 046 046 www.flexigroup.com.au
Get Capital Pty Ltd 149 390 625 www.getcapital.com.au
Greenlight Auto Finance 39 131 507 474 https://greenlightauto.finance/legal/privacy-policy/
International Acceptance Group 93 098 034 041 www.theiagroup.com.au
Latitude Automotive Financial Services 80 004 187 419 www.latitudefinancial.com.au
Latitude Personal Finance Pty Ltd 54 008 443 810 www.latitudefinancial.com.au
Lumi Finance 75 627 897 625 www.lumi.com.au
Macquarie Leasing Pty Ltd 46 008 583 542 www.macquarie.com.au
Metro Finance Pty Ltd 44 600 674 093 www.metrofin.com.au
Miracle Car Finance Pty Ltd 73 121 367 226 www.miraclecarfinance.com.au
Money 3 Loans Pty Ltd 108 979 406 www.money3.com.au
Morris Finance Ltd 70 083 630 139 www.morrisfinance.com.au
ME Bank 56 070 887 679 www.mebank.com.au
Moula 95 164 875 325 www.moula.com.au
Pepper Money 55 094 317 665 www.pepper.com.au
Plenti RE Limited 571 666 466 35 www.plenti.com.au
Prospa 47 154 775 667 www.prospa.com
R.A.C.V Finance Limited 82 004 292 291 www.racv.com.au
Rapid Loans 54 103 660 546 www.rapidloans.com.au
Secure Funding Pty Ltd (Liberty) 25 081 982 872 www.liberty.com.au
Selfco Leasing 099 591 616 www.selfco.com.au
Silver Chef Rentals Pty Ltd 33 112 241 522 www.silverchef.com.au
Society One 151 627 977 www.societyone.com.au
St George Bank 33 007 457 141 www.stgeorge.com.au
Thorn Business Finance 63 008 454 439 www.thornbusinessfinance.com.au
TL Rentals Pty Ltd 071 702 264 www.tlrentals.com.au
United Loan Solutions Pty Ltd 611 343 572 www.loanu.com.au
UME Loans 25 138 637 064 www.umeloans.com.au
Victorian Mortgage Group 42 006 110 998 www.vicgroup.com.au
Westpac Banking Corporation 33 007 457 141 www.westpac.com.au
Wingate Consumer Finance (Now Finance) 158 703 612 www.nowfinance.com.au
VW Financial Services Pty Ltd 20 097 071 460 www.volkswagon.com.au
Wisr Finance Pty Ltd 119 503 221 www.wisr.com.au
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
You have the right to ask:
(a) that we provide you with the personal and credit information we hold about you;
(b) that we correct any personal and credit information we hold about you that is shown to be incorrect;
(d) the credit reporting body does not use your personal information for assessment purposes or direct marketing; and
(e) 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 our Privacy Officer on phone number 1800 346 101 or by emailing us at email@example.com or registered post to PO Box 979, Lutwyche QLD 4030.
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 market ing informat ion from us, please email us on firstname.lastname@example.org.
Electronic communicat ion
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 email@example.com or registered post to PO Box 979, Lutwyche QLD 4030