Before we get started we want to let you know how we are going to protect your privacy.
Your privacy matters to usAre you applying for the loan or are you providing a guarantee for the loan?
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Overview
Creditlink Australia Pty.Ltd. ACN 109 695 990, Member of Money Resources Group Pty.Ltd. ABN. 71 107 002 602 who hold Australian Credit Licence Number 391363 under which we hold Credit Representative Number 412154 2nd Floor, 159 Dorcas Street, South Melbourne, Victoria 3205 (‘we’, ‘us’, ‘our’) collects information about you for the purposes you agree to in this Privacy Disclosure Statement and Consent. When you sign below, you agree we can, consistent with Australia’s Privacy and Credit Reporting laws, collect, use and exchange credit and personal information about you for those purposes.Privacy Disclosure Statement and Consent
We are collecting information about you, as applicable:- To source for you, or a company of which you are a director:
- Consumer credit for personal, household, domestic or residential investment purposes;
- Commercial credit for business purposes; or
- Other services stated in this Privacy Disclosure Statement and Consent (Consent); or
- To support a guarantor application you will provide.
Your information – Collection and Disclosure
When we collect information from you in the credit or guarantor application process, we use that information in a number of ways to assess your application and, where appropriate, to source a suitable credit provider or lessor and/or insurance provider. We may, as appropriate:- Disclose your identification information to a consumer credit reporting service (‘Consumer CRS) and/or a commercial credit reporting service (‘Commercial CRS’), if you wish us to obtain a report on your behalf;
- Use any information a credit reporting service provides in its report to assist us to preliminarily assess your credit or guarantor application;
- Disclose your information to an insurer or insurers to source any insurances you wish to obtain; and
- Disclose your information to a credit provider or credit providers to apply for finance on your behalf.
Credit Providers
As part of providing our services to you, we may undertake tasks for a credit provider which are reasonably necessary to manage the application process. When doing so, we are acting as agent for the credit provider, with the same privacy law requirements applying to both of us. We may submit your application to one or more credit providers. Those credit providers and their website addresses are set out in the Schedule 1 at the end of this document. A credit provider, to whom we submit an application, may disclose information about you to, and collect information about you from, one or more Consumer CRS or Commercial CRS. The website of each credit provider contains details of each Consumer CRS and Commercial CRS with which it deals and other details about information held about you, including whether that information may be held or disclosed overseas and, if so, in which countries. The websites also describe your key rights. These details may be described on the credit providers’ websites as ‘notifiable matters’, ‘privacy policy’, ‘credit reporting policy’ or ‘privacy disclosure statement and consent’, or similar. For each Consumer CRS a credit provider uses the website details will include the following specific information:- That the CRS may include information the credit provider discloses about you to other credit providers to assess your credit worthiness
- That, if you become overdue in making consumer credit payments or you commit a serious credit infringement, the credit provider may disclose that information to the Service
- How you can obtain the credit provider’s and/or the Service’s policies about managing your information
- Your right to access and/or correct information held about you and to complain about conduct that may breach the privacy and credit reporting laws
- Your right to request a CRS not to undertake pre-screening for purposes of direct marketing by a credit provider
- Your right to request a CRS not to release information about you if you believe you are a victim of fraud
Your rights
You have the right to ask:- Us to provide you with all the information we hold about you
- Us to correct the information we hold if it is incorrect
- Us for copies of our privacy policy and this document, in a form that suits you (e.g. hardcopy or email)
- A Consumer CRS not to use your information for direct marketing assessment purposes, including pre-screening
- A credit reporting service to provide you with a copy of any information it holds about you
Disclosure and Consent
By signing below, you agree we may:- Use your information:
- To assess your consumer or commercial credit and/or guarantee application and/or to assess a credit application by a company of which you are a director
- To source any finances you required
- To source any insurances you require
- As the law authorises or requires;
- Disclose to, and obtain from, any prospective credit provider or insurer, information about you that is reasonably necessary to obtain the finance and insurances you require;
- Obtain from, and disclose to, any third party, information about you, the applicant(s) or guarantor(s) that is reasonably necessary to assist you obtain the finance and insurances required;
- Provide your information, including your credit report(s), to one or more of the credit providers specified in Schedule 1 at the end of this document so they can assess your application, or the application of a company of which you are a director, or your suitability as a guarantor
- Provide information about you to a guarantor, or prospective guarantor;
- Provide you, or the company of which you are a director, with offers or information of other goods or services we, or any of our associated entities, may be able to provide to you or the company, unless you tell us not to;
- Disclose your information to the extent permitted by law to other organisations that provide us with services, such as
- contractors, agents, printers, mail houses, lawyers, document custodians, securitisers and computer systems consultants or providers, so they can perform those services for us. This includes our overseas service providers New Zealand, Phillipines, India, Singapore, Thailand and United States of America; and
- Disclose your information to any other organisation that may wish to acquire, or has acquired, an interest in our business or any rights under your contract with us, or the contract with us of a company of which you are a director.
- A Consumer CRS disclosing information to one or more credit providers specified in Schedule 1 at the end of this document for the purpose of assessing your application for consumer or commercial credit or your guarantor application, and/or assessing a credit application by a company of which you are a director
- When you are a prospective guarantor, a credit provider using that information to assess your suitability as a guarantor
- A credit provider disclosing your information (including information obtained by it from a Consumer CRS) to a guarantor, or a prospective guarantor
- A credit provider disclosing to another credit provider, to your agent, such as us as your broker, or to a servicer, for a particular purpose, information it holds about you
Extended Effectiveness for Commercial Credit
Your agreement and consent to the disclosures and consents in this document will be effective for a period of 12 months, but only in relation to commercial credit. Your agreement to this ceases when you either withdraw it by contacting us using our details above or 12 months after you sign below, whichever first occurs. This will allow us to continue to provide our services to you without the need to ask you to sign a new privacy statement and consent each time you require commercial credit within a 12 month period. The extended effectiveness does not apply in relation to consumer credit. Where the applicant, or guarantor, is a company of which you are a director, you consent to the disclosure and use of your information, in addition to the company’s information, in each of the ways specified in this document.Authorisation
By signing this document, you authorise us to make a request on your behalf to obtain information about you from one or more credit reporting service(s) and credit provider(s). That information will assist us in providing our services to you.SCHEDULE 1 - CREDIT PROVIDERS
| Name of Credit Provider | Website |
|---|---|
| Australia and New Zealand Banking Group | www.anz.com.au |
| Automotive Financial Services | www.afs.com.au |
| Angle Finance | www.anglefinance.com.au |
| Azora Finance | www.azorafinance.com |
| Banjo Loans | www.banjoloans.com |
| Bank of Melbourne | www.bankofmelbourne.com.au |
| Bendigo Leasing & Finance Pty.Ltd. | info@blf.com.au |
| Bigstone | www.bigstone.com.au |
| BOQ Equipment Finance Ltd | www.boq.com.au |
| Capify Australia PTY Limited | www.capify.com.au |
| Capital Finance Australia Ltd | www.capitalfinance.com.au |
| Classic Funding Group | www.classicfg.com.au |
| College Capital | www.collegecapital.com.au |
| Commonwealth Bank of Australia | www.commbank.com.au |
| Eclipx Commercial Pty Ltd | www.eclipxcommercial.com.au |
| Finance One | www.financeone.com.au |
| Firstmac Asset Funding (Commercial) Pty Ltd | www.firstmac.com.au |
| flexicommercial Pty. Ltd. | www.flexicommercial.com/au |
| Get Capital | www.getcapital.com.au |
| Grenke Leasing Melbourne Pty.Ltd. | www.grenke.com.au |
| Grow Finance Group Pty.Ltd. | www.growfinance.com.au |
| Judo Bank | www.judo.bank |
| Latitude Financial Services | www.latitudefinancial.com.au |
| Liberty Financial | www.liberty.com.au |
| Lumi | www.lumi.com.au |
| Macquarie Leasing Pty Ltd | www.macquarie.com.au |
| Medfin | www.medfin.com.au |
| Metro Finance | www.metrofin.com.au |
| Money Place Group | moneyplace.com.au/privacy |
| Morris Finance Ltd | www.morrisfinance.com.au |
| Moula | www.moula.com.au |
| Multipli | www.multipli.com |
| National Australia Bank | www.nab.com.au |
| OnDeck Australia | www.ondeck.com.au |
| Pepper Asset Finance | www.pepperonline.com.au |
| Prospa | www.prospa.com |
| Plenti | www.plenti.com.au |
| Quest Finance Australia | www.quest.finance |
| Resimac Asset Finance ABN 93 098 034 041 | www.resimacassetfinance.com.au |
| Scottish Pacific Business Finance Pty.Ltd. | ww.scottishpacific.com |
| Service Finance Corporation Ltd | www.servicefinance.com.au |
| Specialist Equipment Leasing Finance Company PL (Selfco) | www.selfco.com.au |
| Spotcap | www.spotcap.com.au |
| St George Equipment Finance | www.stgeorge.com.au |
| Thornmoney Pty.Ltd | www.thorn.money |
| TL Rentals | www.tlrentals.com.au |
| Westpac Banking Corporation | www.westpac.com.au |
SCHEDULE 2 - CONSUMER / COMMERCIAL CREDIT REPORTING SERVICES
| Name | Website / Email Address | Telephone |
|---|---|---|
| Experian | www.experian.com.au | (03) 8622 1600 |
| Dun & Bradstreet | www.dnb.com.au | 1300 734 806 8:30am - 5:30pm (Monday – Friday) |
| Tasmanian Collection Service | www.tascol.com.au | (03) 6213 5555 |
| Equifax | www.equifax.com.au/contact-us | 1300 92 1621 |