Privacy

The personal information we collect from you and hold will vary depending on how we have contact with you.

When you visit our website, we may collect and store information about your visit including:

• the domain name and IP address of the computer from which you accessed the Internet;
• the date and time you accessed the website;
• the internet address of the website from which you linked directly to our website; and
• the pages you accessed while visiting the website.

We may also collect your email address through the use of websites, software and internet tracking devices such as cookies, anonymous identifiers and session variables.

As a result of dealing further with us, including by telephone, whether as a customer, guarantor, contractor, supplier or service provider, we may collect and store personal information from you such as:

• your name and date of birth;
• your address, previous addresses and how long you have lived at those addresses;
• identification information such as your drivers’ licence number or passport details;
• your employer, previous employers and how long you have been in such employment;
• your bank account details;
• information contained in credit reports obtained from credit reporting bodies, which includes information about your credit history with other credit providers;
• information about your current facilities with other credit providers;
• your email address;
• your telephone numbers; and
• the details of any references you supply, including the names and addresses of your referees.

If you apply to us for credit, we may collect and store credit information such as:

• financial information, including details about your income (from all sources including government benefits), current employment status and recent history, assets, expenses and debts; and
• information about your credit history, including whether you have applied for or obtained credit from other credit providers, your repayment history, default information and other information obtainable through conducting a credit reporting bureau check.

You may have the option to use a name other than your real name (a pseudonym) when making general inquiries with us. You are not required to provide us with your name or any personal information if you do not wish to. However, to go beyond making general inquiries you will not be able to remain anonymous. Before providing you with any specific information or offering credit we are required to identify you. We are not permitted by law to provide you with credit without obtaining proof of your identity.

As far as practicable, we collect your personal information directly from you or from persons acting on your behalf, including when you complete our forms, call or email us or in our ongoing dealings with you. For example, we will collect information internally from your transactions in connection with credit, such as when you make payments to us.

We may collect your personal information from the recording of telephone calls. It is our practice to record telephone calls for quality assurance and staff training purposes. You may request that a call not be recorded when you telephone us. Call recordings are stored securely, with restricted access, and are deleted after 31 days.

We may also collect personal information about you from publicly available sources, and in some cases, from third parties including:

• a credit reporting body;
• someone authorised by you, such as an agent, broker, accountant, solicitor, financial counsellor, introducer or guarantor;
• a referee;
• an employer;
• a government body;
• another financial institution;
• a professional or trade association or trade union;
• an approved gateway service provider of the Document Verification Service (e.g., Vix Verify Pty Ltd); and
• our agents.

We may collect personal information about you from your visit to our website through the use of technologies such as anonymous identifiers, session variables, and cookies, including Google Analytics. A cookie is a small piece of data which is sent from a web server to a web browser on your machine or device when your browser visits our website, to help remember your preferences. The cookies are stored on your machine or device as historical identifiers only and cannot do anything to your machine. The cookies used by the Group cannot determine your email address or anything about your computer or device. The use of cookies may help us to identify the pages you access and the prior site you visited. The technology that may collect personal information about you from your visit to our website, is used to collect information about how you interact with our website and allow us to remember you. This information may include your internet protocol address, date and time of visit, pages viewed, and how you navigate our website. We use this information in order to improve and customise your browsing experience and for analytics and metrics about our visitors both on this website and other media. We may share data collected through this method with third parties to provide you with relevant advertising when browsing third-party networks and websites, such as Google. You may be able to set your internet web browser to block or limit cookies. Some features of our website may not work as efficiently or at all if you have done so. You can also find out more about how Google uses data and how you can control information sent to Google at www.google.com/policies/privacy/partners. Information about how you can opt out of Google Analytics can be found at https://tools.google.com/dlpage/gaoptout.

We use tracking pixels, also known as web beacons, to monitor the effectiveness of our advertising campaigns and improve user experience. These pixels collect non-personal information, such as the number of visits or clicks on our ads, without storing data on user devices. We may share this aggregated data with third-party service providers, such as Google or Meta, for advertising and analytical purposes. By using our website, you consent to the use of these tracking pixels.

To secure your personal information and protect it from unauthorised disclosure we:

• maintain a secure environment for storage of information in both hard copy and electronic form;
• use technology such as encryption and password protection to secure any information kept in electronic form; and
• only permit access to such information to authorised personnel only.

We may collect, hold, use and disclose your personal information to:

• assess your credit application and that of any proposed guarantors of your credit;
• provide you with our products or services, or those of related entities and affiliated product and service providers;
• manage your credit contract, which may involve the use of external service providers;
• consider any application for variation of your repayments, whether or not on the grounds of hardship;
• collect any debt or otherwise enforce any rights, whether by court proceedings or otherwise arising under your credit contract;
• participate in the credit reporting system and provide information to a credit reporting body;
• manage complaints and disputes;
• meet our legal requirements, including those under Australian privacy , Anti-Money Laundering and Counter-Terrorism Financing and other laws, regulations or codes that bind us;
• assist other credit providers with the same purposes as permitted by Australian privacy law, such as by disclosing credit information to them with your consent or where you have committed a serious credit infringement;
• communicate with you, by way of direct marketing, information about our products and services. If you do not wish us to do so, you can opt out of such communication by informing us in person, by telephone, by post or by email;
• search and/or register any Personal Property Securities; and
• otherwise communicate with you for the purposes outlined above.

We may disclose personal information, including credit-related personal information, in relation to your credit dealings with us to credit reporting bodies.  You should be aware of the following:

• Credit reporting bodies may include your information in credit reports provided to credit providers to assist them in assessing your creditworthiness;
• If you fail to meet your repayment obligations or commit a serious credit infringement, we may disclose this information to credit reporting bodies, as permitted by law;
• You can access our Credit Reporting Policy, which outlines how we manage credit-related personal information. This policy is available on our website or upon request. It includes details about:
  • • How you can access and correct credit-related information we hold about you;
    • How to lodge a complaint if you believe we have breached our legal obligations;
    • How we will address such complaints;
• You can obtain a copy of the credit reporting bodies’ policies about the management of credit-related personal information by contacting them directly;
• You have the right to request that credit reporting bodies do not use your credit information for pre-screening purposes related to direct marketing by credit providers;
• If you believe you have been, or are likely to become, a victim of fraud, you can request that credit reporting bodies do not use or disclose your credit information; and
• If you apply to us for consumer credit (including a new credit account or to increase the limit on an existing credit account), we can do a credit check without asking for your consent, provided we have notified you or otherwise made you aware of this. A credit check is when we ask a credit reporting body for information about the loans you have applied for and taken out in the past, and how you have managed those loans. The credit reporting body will record the fact that we have done a credit check. This will show on your credit report as a ‘credit enquiry’ (also known as an ‘information request’). The enquiry may be disclosed to other credit providers, and used and disclosed by the credit reporting body or a credit provider, including in the calculation of a credit score. When a credit enquiry is recorded on your credit report, it can affect your credit score in different ways. It might go up, down, or stay the same. This depends on factors like the type of credit you’re applying for, how many other credit checks you’ve had recently, and other details in your report. An enquiry is more likely to lower your credit score if you make a lot of credit applications in a short time.

The credit reporting bodies to which we may disclose your credit information are:

Equifax Pty Ltd,

P.O. Box 964,

North Sydney, NSW 2059.

Website: www.equifax.com.au

Illion Australia Pty Ltd,

P.O. Box 7405, St. Kilda Road,

Melbourne, VIC 3004

Website: www.illion.com.au

We may disclose your personal information, including credit information, to other parties as part of a process of merger, acquisition, sale of our business or our other assets and, before doing so, if required by law, give you notice and an opportunity to opt out of the provision of such information in that instance.  In providing you with our products and services, we may also share your personal information with our related entities.

If, for any of the above purposes, we disclose your personal information to any supplier of services to our business or to any prospective purchaser of our business, which we shall do so only if it is necessary for the purposes listed above, we shall:

• do so in accordance with Australian privacy law; and
• seek assurances from those suppliers that they comply with Australian privacy law.

We may store your personal information, (including credit information) in cloud or other types of networked or electronic systems. If your information is stored this way, disclosures may occur with entities located outside of Australia, including data hosting and other IT service providers located in Canada, Colombia, Europe, United States of America, India, Japan and Singapore. We may also send your personal information (including credit information) to The Philippines, where we have outsourced a functions or activity to a service provider in that country.

You may request access to your personal information held by us by identifying yourself by telephone, by post or by attaching scanned documents to an email and sending your request for access to us at:

Telephone: 1800 346 663
Email: [email protected]
Postal Address: PO Box 3041, Hermit Park, QLD 4812

f we are unable to grant you access to your personal information, we will give you our reasons in writing within a reasonable time. These may include where providing the information to you may:

• reveal personal information about another person;
• pose a threat to the health or safety of another person;
• not be permitted by law; or
• reveal internal information of a commercially sensitive nature which is not required to be disclosed to you by Australian privacy law.

If you believe any personal information which we hold about you is incorrect, please contact us by telephone, by post or by email, identify yourself, including by electronic identification verification systems used by us, and tell us what information which we hold about you is, in your belief, incorrect and how you want it changed.

If we cannot agree to the change to the information which you have requested, we will give you reasons in writing.

If you are not satisfied with the reasons referred to above or otherwise have any complaint about how we collect, hold, use or disclose your personal information, please contact our Privacy Officer who will then follow our Privacy Internal Dispute Resolution process. Our Privacy Officer can be contacted on 1800 346 663 or email: [email protected].

If you are not satisfied with our Privacy Internal Dispute Resolution process, you may refer your complaint to our External Dispute Resolution (EDR) scheme, The Australian Financial Complaints Authority:

Online: www.afca.org.au
Email: [email protected]
Phone: 1800 931 678 (free call)
Mail: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001

From time to time, we may make changes to this Privacy Policy because of changes to the law, technology, or our systems. We will provide notice of such changes on our website. Where the changes may affect you in a particular way, and you have a credit contract with us, we will notify you if required by Australian privacy law. You may request a hard copy of this Privacy Policy by contacting us.