Leaseline Financial Services Pty. Ltd - Privacy Policy

Before we get started we want to let you know how we are going to protect your privacy.

Your privacy matters to us
Are you applying for the loan or are you providing a guarantee for the loan?

Personal

Business

Overview

Leaseline Financial Services Pty.Ltd. ABN. 78 083 792 747, 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 412066 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.

As your broker, we require the information we collect from you to assess your credit, or guarantor, application or the credit application of a company of which you are a director, source a suitable credit provider and any required insurances and to manage the application process, where required. If you do not provide the information sought we may be unable to process your application, or the company’s application, or we may be limited in the other services we can offer you or the company.

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.

The information we obtain from you is used, subject to compliance with Australia’s privacy and credit reporting laws, only for the purposes listed in this Consent and is not disclosed to any other person except with your permission or as permitted, or required, by law.

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

This detail will also be included by the credit provider who approves your application in the privacy disclosure statement and consent document it will provide to you. Each credit provider website includes information on how to contact it and how to obtain a copy of its privacy documents in a form that suits you (e.g. hardcopy or email).

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

You can gain access to the information we hold about you by contacting our Privacy Officer at the address above or by telephone on 03 8699 5009 or email at handerson@moneyresources.com.au. In some cases an administration fee may be charged to cover the cost of providing the information. Our Privacy Policy is available on our website at moneyresources.com.au or we will provide you with a copy if you ask us. Schedule 2 at the end of this document sets out the contact details for each credit reporting service.

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.

You also agree and consent to, as appropriate:

- 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
Dynamoney	www.dynamoney.com
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
Judo Bank	www.judo.bank
Latitude Financial Services	www.latitudefinancial.com.au
Liberty Financial	www.liberty.com.au
Lumi	www.lumi.com.au
Maple Asset Finance Pty Ltd	www.maplecommercial.com.au
Medfin	www.medfin.com.au
Metro CF Pty Ltd	www.metrofin.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

0418 329 103

ACL# 391363