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Submitted URL: https://businessloan.moneytoprosper.com.au/
Effective URL: https://www.tradeloan.com.au/?partnerId=13765144
Submission: On July 19 via automatic, source certstream-suspicious — Scanned from AU
Effective URL: https://www.tradeloan.com.au/?partnerId=13765144
Submission: On July 19 via automatic, source certstream-suspicious — Scanned from AU
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<p class="dlp-terms"> By submitting your details, you authorise this information being shared with our Partner and consent to their <a class="dlp-link pds-modal-trigger">Privacy Policy & Personal and Electronic Consents</a>. Standard credit
approval criteria, fees, terms & conditions apply. <br> Eligibility and approval is subject to standard credit assessment and not all amounts, term lengths or rates will be available to all applicants. Fees, terms and conditions apply.
Australian credit licence 454782. </p>
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FLEXIBLE FUNDING TO SUIT YOUR BUSINESS NEEDS
Need funds for an opportunity or to support cash flow? Enjoy fast, easy
application on a Small Business Loan or a Line of Credit, with funding possible
in 24 hours.
Get started Eligibility
* Business Loan - a lump sum of between $5K and $500K over a fixed term
* Line of Credit - ongoing access to between $2K and $150K over a renewable
24-month term
* Straightforward application, quick decision and funding possible in 24 hours
* There is no asset security required upfront to access funding up to $150,000
BUSINESS FUNDING IN THREE EASY STEPS
STEP ONE
SUBMIT YOUR DETAILS
First we need a few details about you and your business. Select the button below
and fill out the form. It takes less than a minute and there's no obligation.
Get started
step-one
STEP TWO
SPEAK TO A SPECIALIST
We or our lending partner will call for a quick chat about your business and
answer any questions you have. If you wish to proceed we will complete the
application with you.
Eligibility
step-two
STEP THREE
GET A FAST DECISION
The process is quick and easy. You'll get a fast decision, with funding possible
in 24 hours to approved applicants.
Get started
step-three
DOES YOUR BUSINESS QUALIFY?
If your business has a turnover of more than $6,000 per month and can
demonstrate at least 6 months of trading, we can help you apply.
Bubbles
Let's get started
Your full name
Where do you live
Select New South Wales Queensland Victoria South Australia Northern Territory
Western Australia Australian Capital Territory Tasmania
Phone number
Business trading name
Email address
By submitting your details, you authorise this information being shared with our
Partner and consent to their Privacy Policy & Personal and Electronic Consents.
Standard credit approval criteria, fees, terms & conditions apply.
Eligibility and approval is subject to standard credit assessment and not all
amounts, term lengths or rates will be available to all applicants. Fees, terms
and conditions apply. Australian credit licence 454782.
Submit
THANKS FOR YOUR ENQUIRY
We have your details and someone will be in touch with you shortly.
NEXT STEPS
We or our lending partner will call you for a quick chat to see if you have any
questions, Then, if you're comfortable to proceed, you will be guided through
the application.
You'll need:
* Driver Licence
* Business ABN
* Up to 6 months bank statements
For funding over $150K, you'll also need some basic financial statements.
0419252524 PO BOX 243, NSW 2074
Things you should know: The small business loan products (Small Business Loan
and Business Line of Credit) are offered by Prospa Advance. Australian credit
licence 454782. ABN 47 154 775 667. Prospa is the lender. We are the introducer
only and may receive a commission or referral fee from Prospa in connection with
any referral. Eligibility and approval is subject to standard credit assessment
and not all amounts, term lengths or rates will be available to all applicants.
Fees, terms and conditions apply.
PRIVACY POLICY & PERSONAL AND ELECTRONIC CONSENTS
View: Personal and Electronic Consents
Thank you for trusting us with your information. We recognise the importance of
protecting your privacy, and being clear about how we collect, use, exchange,
store and protect your information is a vital part of our relationship with you.
1. YOUR PRIVACY IS IMPORTANT TO US
This Policy outlines how Prospa Advance Pty Ltd and Prospa NZ Ltd (as
applicable) (collectively, "Prospa") and their related companies ("we / us / the
Group") collect, disclose, use, store or otherwise handle personal information.
It is important to us that we manage your personal information securely and
consistently with relevant legislation, including:
* If you are in Australia, the Privacy Act 1988 (Cth); and
* If you are in New Zealand, the Privacy Act 1993,
(each a "Privacy Act"), and the Credit Reporting Privacy Code (as applicable to
your jurisdiction) as amended or replaced from time to time ("Privacy Laws").
This Policy explains:
* The kinds of personal information (including credit-related information) we
collect;
* The purposes for which we collect this information;
* How we manage the personal information that we collect about you;
* How you can seek access to and correct that information; and
* If necessary, how you can make a complaint relating to our handling of that
information.
This policy does not limit our rights and obligations under Privacy Laws.
This policy is not limited to current customers or guarantors of customers
(where applicable) - it relates to all other individuals who deal with us,
whether in relation to the provision of credit or otherwise. By using our
services or otherwise dealing with us, you are deemed to agree to our Privacy
Policy.
2. INFORMATION WE COLLECT FROM YOU
2.1 WHEN WE COLLECT PERSONAL INFORMATION
We collect information about you and your interactions with us, for example,
when you request or use our products or services, make a card payment or
transfer money, phone us or visit any of our websites. When you use our website
or mobile applications, we may collect information about your location or
activity including your IP address, telephone number and whether you've accessed
third-party sites. Some of this website information we collect using cookies.
This may include information collected directly from you and information that
you authorise us to collect from third parties.
It is not mandatory for you to provide us with the personal information that we
request - however if you do not do so it may affect the products and services
that we can provide to you.
2.2 THE PERSONAL INFORMATION WE COLLECT
We will collect certain personal information about you depending on the
circumstances in which the product or service is being provided.
This information can include:
* Key personal information such as your name, residential and business
addresses, telephone numbers, email and other electronic addresses;
* Financial and related information, such as your occupation, accounts, bank
account information (from prior to the loan being granted and ongoing for the
term of the loan), assets, expenses, income, revenue, dependents, and
regarding your employment, financial and business dealings and other relevant
events;
* Your transaction history (with us and our associates or relevant third
parties). This information includes products you may have used with us in the
past, your payment history, and the capacity in which you have dealt or deal
with us; and
* Other relevant information - depending on the circumstances this may also
include your gender, marital status and health and medical information,
membership of professional bodies, tax file number information and other
government identifiers (e.g. if relevant for insurance purposes or to
identifying you).
2.3 INFORMATION WE COLLECT FROM OTHERS
We collect information about you from others such as service providers, agents,
your bank, advisers, brokers, employers or family members. For example, if you
apply for credit, we may need to obtain a credit report from a credit reporting
body. We will also obtain bank account information from your bank throughout the
term of the loan. We may collect information about you that is publicly
available, for example, from public registers or social media, or made available
by third parties.
If you elect to use bank statements and third party account aggregation service
providers in connection with our assessment of your application, you permit such
third party services to access your banking transaction data linked to the
online banking credentials you provide. The third party service provider will
access your personal information for the purpose of providing this personal and
business bank account data to us.
The third party service provider may access transactional data from any account
that is associated with the login credentials that you submit. This may include
personal accounts as well as business accounts. Your provision of banking login
credentials to utilise such third party service providers does not provide us
with your login credentials or passwords or the ability to access your internet
banking (other than as stated above).
Through the use of such third party service providers, we will obtain up to the
last twelve (12) months bank transactions on the date you apply for a loan, in
addition to further ongoing bank transactions for the term of the loan, for the
purpose of assessing any future loan application or making a future offer to
you. We note that your bank's terms may prohibit you from sharing your login, so
you agree to appoint our third party service provider as your agent to access
your internet banking on your behalf solely for this purpose and you consent to
our ongoing access to this information for the term of the loan and the purposes
outlined above.
Should you agree to the use of such a third party service provider, you will be
subject to their terms and conditions and privacy policy which will govern any
act or omission of that third party service provider in connection with your use
of that service.
2.4 SENSITIVE INFORMATION
The Privacy Laws protect your sensitive information, such as health information
that's collected on insurance or hardship applications. If we need to obtain
this type of information, we will ask for your consent, except where otherwise
permitted by law.
2.5 INFORMATION ABOUT OTHER PEOPLE
If you provide any personal information to us about another person, you confirm
that you have the authority of that person to share their information with us
and to permit us to hold, use and disclose their information in accordance with
this Privacy Policy. You must inform them of their rights to access and request
correction of their information set out below.
3. HOW DO WE USE YOUR INFORMATION?
In many circumstances, we will collect the above information primarily from you
(or from someone who is representing or assisting you). However, there are
certain instances in which we will collect information about you from third
parties where it is unreasonable or impracticable to collect it directly from
you. For example, even where your application is for credit, we may collect
information about you from a business which provides information about
commercial credit worthiness for the purpose of assessing your application.
We use your information to:
* Establish your identity and assess applications for products and services;
* Determine your eligibility for, and comply with our obligations under, the
Australian Government's Coronavirus SME Guarantee Scheme (if applicable);
* Price and design our products and services;
* Administer our products and services, including assessing whether to make any
future offer to you, and generally carry out our business functions and
activities;
* Manage our relationship with you, including fulfilling our obligations and
exercising our rights under any agreement with you;
* Conduct and improve our businesses and improve our customers' experience;
* Manage our risks and help identify and investigate illegal activity, such as
fraud;
* Contact you, for example if we suspect fraud on your account or need to tell
you something important;
* Comply with our legal obligations and assist government and law enforcement
agencies or regulators; and
* Identify and tell you about products or services offered by us, any of our
Group members or any third parties that we think may be of interest to you
(refer to section 3.1 below).
We may also collect, use and exchange your information in other ways where you
have authorised us to do so or where permitted by law.
3.1 DIRECT MARKETING
We may use your information for direct marketing, including by email or other
electronic means. If you no longer want to receive direct marketing, you can
tell us by using any of the methods set out in section 9.
3.2 GATHERING AND COMBINING DATA TO GET INSIGHTS
Improvements in technology enable organisations to collect and use information
to get a more integrated view of customers and provide better products and
services. We may combine our customer information with information available
from a wide variety of external sources (for example census or Bureau of
Statistics data). We are able to analyse the data in order to gain useful
insights which can be used for any of the purposes mentioned earlier in this
policy. In addition, Group members may provide data insights or related reports
to others, for example, to help them understand their customers better. These
insights and reports are based on aggregated information and do not contain any
information that identifies you.
4. WHO DO WE EXCHANGE YOUR INFORMATION WITH?
We exchange your information with other members of the Group, so that the Group
may adopt an integrated approach to its customers. Group members may use this
information for any of the purposes mentioned in this section.
4.1 THIRD PARTIES
We may exchange your information with third parties where this is permitted or
required by law, or for any of the purposes mentioned in section 3.
Third parties include:
* Your co-applicant(s) (if any);
* Group members based in Australia, New Zealand or overseas;
* Entities that provide services to us such as, identity verification, mailing
houses or call centre operators;
* Service providers, for example law firms, market research / data providers,
and loyalty program redemption partners;
* Service providers to whom we outsource certain functions, for example, direct
marketing, statement production, debt recovery and information technology
support;
* Brokers, agents and advisers and persons acting on your behalf, for example
guardians or persons holding power of attorney;
* References that you provide to us, for example landlord details or trade
references;
* The supplier of any goods or services financed with credit we provide;
* Guarantors or any person providing security for any service;
* Persons involved in arrangements that provide funding to us, including
persons who may acquire rights to our assets (for example loans), investors,
advisers, trustees and rating agencies;
* Claims-related providers, such as assessors and investigators, who help us
with claims;
* Other financial institutions such as banks and credit providers;
* Auditors, insurers and re-insurers;
* Employers or former employers;
* Government and law enforcement agencies or regulators (including but not
limited to the Department of the Treasury or other relevant agency of the
Commonwealth of Australia in relation to the Australian Government's
Coronavirus SME Guarantee Scheme (if applicable));
* Credit reporting bodies - credit reporting bodies may collect the information
we provide to them (including default information) and use it to provide
their credit reporting services (see section 5 below);
* Entities established to help identify illegal activities and prevent fraud
* Overseas entities that provide products and services to us; and
* Any other parties that you authorise or that we are required or permitted by
law to share information with.
4.2 SENDING INFORMATION OVERSEAS
Generally, we use customer service teams located within Australia or New
Zealand. However, we may send your information overseas, including to overseas
Group members and to service providers or other third parties who operate or
hold data outside Australia and New Zealand. Where we do this, we take
reasonable steps to ensure that appropriate data handling and security
arrangements are in place. Please note that Australian law or New Zealand law
(as applicable) may not apply to some of these entities.
We may also send information overseas to complete a particular transaction or
where this is required by laws and regulations of Australia or New Zealand (as
applicable) or another country.
Where we send your information overseas, it is likely to be one of the following
countries:
* Canada;
* Hong Kong;
* India;
* Philippines;
* South Africa;
* United Kingdom; and/or
* United States.
Where we send your information to overseas Group members or service providers,
we take reasonable steps to ensure that appropriate data handling and security
arrangements are in place.
5. CREDIT CHECKS AND CREDIT REPORTING
When you apply to us for credit or propose to be a guarantor, we need to know if
you're able to meet repayments under your agreement with us. We also want to
avoid giving you further credit if this would put you in financial difficulty.
One of our checks involves obtaining a credit report about you.
5.1 CREDIT REPORTS
A credit report contains information about your credit history that helps credit
providers assess your credit applications, verify your identity and manage
accounts you hold with them. Credit reporting bodies collect and exchange this
information with credit providers like us and other service providers such as
phone companies.
The Privacy Act and Credit Reporting Privacy Code limit the information that
credit providers can disclose about you to credit reporting bodies, as well as
the ways in which credit providers can use credit reports.
We may use one or more of the following credit reporting bodies:
Equifax
Australia:
www.equifax.com.au
13 8332
New Zealand:
www.equifax.co.nz
publicaccess.nz@equifax.com
0800 692 733
CreditorWatch
www.creditorwatch.com.au
GPO Box 276
Sydney, NSW 2001
1300 50 13 12
Centrix
www.centrix.co.nz
PO Box 62512
Greenlane, Auckland 1546
0800 236 874
Illion
Australia:
www.illion.com.au
13 23 33
New Zealand:
www.illion.co.nz
0800 733 707
5.2 WHAT INFORMATION CAN WE EXCHANGE WITH CREDIT REPORTING BODIES?
If you are in Australia, the information we can exchange includes:
* your identification details;
* the type of loans you have;
* how much you've borrowed;
* whether or not you've met your loan repayment obligations; and
* if you have committed a serious credit infringement (such as fraud).
We also ask the credit reporting body to provide us with an overall assessment
score of your creditworthiness.
If you are in New Zealand, we may exchange credit information with credit
reporters and we also ask the credit reporters to provide us with an overall
assessment score of your creditworthiness.
The credit reporting bodies we use will hold your personal information on their
terms and treat your information in accordance with their own privacy policies.
5.3 WHAT DO WE DO WITH CREDIT-RELATED INFORMATION?
We use information from credit reporting bodies to confirm your identity, assess
applications for credit, manage our relationship with you and collect overdue
payments. We also use this information as part of arriving at our own internal
assessment of your creditworthiness.
We store credit-related information with your other information. You can access
credit-related information we hold about you, request us to correct the
information and make a complaint to us about your credit-related information.
See sections 8 and 9.
5.4 OTHER RIGHTS YOU HAVE
Credit providers may ask credit-reporting bodies to use their credit-related
information to pre-screen you for direct marketing. You can ask a credit
reporting body not to do this. Also, if you've been, or have reason to believe
that you're likely to become, a victim of fraud (including identity fraud), you
can ask the credit reporting body not to use or disclose the credit-related
information it holds about you.
6. KEEPING YOUR INFORMATION SECURE
We store your hard-copy or electronic records on our premises and systems or
offsite using trusted third parties. We use reasonable endeavours to keep your
personal information secure, however, this security cannot be guaranteed.
Our security safeguards include:
6.1 STAFF EDUCATION
We train and remind our staff of their obligations with regard to your
information.
6.2 TAKING PRECAUTIONS WITH OVERSEAS TRANSFERS AND THIRD PARTIES
When we send information overseas or use third parties that handle or store
data, we take reasonable steps to ensure that appropriate data handling and
security arrangements are in place.
6.3 SYSTEM SECURITY
When you transact with us on the internet via our website or mobile apps we
encrypt data sent from your computer to our systems. We have firewalls,
intrusion detection systems and virus scanning tools to help to protect against
unauthorised persons and viruses accessing our systems. When we send your
electronic data outside the Group we use dedicated secure networks or
encryption. We limit access by requiring use of passwords and/or smartcards.
6.4 BUILDING SECURITY
We have protection in our buildings against unauthorised access such as alarms,
cameras and guards (as required).
6.5 DESTROYING DATA WHEN NO LONGER REQUIRED
We keep information only for as long as required (for example, to meet legal
requirements or our internal needs).
6.6 YOUR LOG-IN DETAILS
You are advised to keep your log-in details private and confidential. Your
log-in details are your responsibility and we advise you not to share those
details with any party. You hereby acknowledge that any party that accesses your
account does so as your agent and accordingly you agree to be bound by any
transactions effected through their use of your account. We are entitled to rely
on any access to or use of your account without making any further enquiries.
7. ACCESSING, UPDATING AND CORRECTING YOUR INFORMATION
7.1 CAN I GET ACCESS TO MY INFORMATION?
You can ask for access to your basic information (for example what transactions
you've made) by going online or calling us. To obtain a copy of current
credit-related information we hold about you, you can call or email us.
7.2 IS THERE A FEE?
There is no fee for making the initial request. However, in some cases, where
permitted by law, there may be an access charge to cover the time we spend
locating, compiling and explaining the information you ask for. If there is an
access charge, we'll give you an estimate up front and confirm that you'd like
us to proceed. Generally, the access charge is based on an hourly rate plus any
photocopying costs or other out-of-pocket expenses. You'll need to make the
payment before we start, unless you've authorised us to debit your account.
7.3 HOW LONG DOES IT TAKE TO GAIN ACCESS TO MY INFORMATION?
We try to make your information available within 30 days of your request and we
will respond to your request within 20 days. Before we give you the information,
we'll need to confirm your identity.
7.4 CAN YOU DENY OR LIMIT MY REQUEST FOR ACCESS?
In certain circumstances we're allowed to deny your request, or limit the access
we provide. For example, we might not provide you access to commercially
sensitive information. Whatever the outcome, we'll write to you explaining our
decision.
7.5 UPDATING YOUR BASIC INFORMATION
It's important that we have your correct details, such as your current address
and telephone number. You can check or update your information by going online,
emailing or phoning us.
7.6 CAN I CORRECT MY INFORMATION?
You can ask us to correct any inaccurate information we hold or have provided to
others (including credit-related information) by contacting us. If the
information that is corrected is information we have provided to others, you can
ask us to notify them of the correction. We don't charge a fee for these
requests.
If your request relates to credit-related information provided by others, we may
need to consult with credit reporting bodies or other credit providers. We'll
try to correct information within 30 days. If we can't complete the request
within 30 days, we'll let you know the reason for the delay within 20 days and
try to agree a timeframe with you to extend the period.
If we're able to correct your information, we'll inform you when the process is
complete.
7.7 WHAT IF WE DISAGREE THAT THE INFORMATION SHOULD BE CORRECTED?
If we disagree with you that information should be corrected, we'll let you know
in writing our reasons. You can ask us to include a statement with the relevant
information, indicating your view that the information is inaccurate,
misleading, incomplete, irrelevant or out-of-date. We will take reasonable steps
to comply with such a request.
7.8 CAN I ASK YOU NOT TO PROVIDE MY INFORMATION TO MY BROKER?
If you were introduced or applied to us through a broker or other agent, we will
provide them with information about each application you make with us and each
loan which we provide to you. Your account will be linked to that broker and we
will continue to provide them your information for each application you make
with us whether that application is made through that broker or direct with us.
If you do not wish us to provide your information to your broker or other agent,
you must advise us by contacting privacy@prospa.com or privacy@prospa.co.nz (as
applicable) or telling your allocated success manager.
8. MAKING A PRIVACY COMPLAINT
8.1 WE'RE HERE TO HELP
If you have a concern about your privacy (including credit-related matters), you
have a right to make a complaint and we'll do everything we can to put matters
right.
8.2 HOW DO I MAKE A PRIVACY COMPLAINT?
To lodge a complaint, please get in touch with us using your point of contact or
one of the customer service teams set out in section 9. We'll review your
situation and try to resolve it straight away. If you've raised the matter
through your point of contact or through our customer service teams and it
hasn't been resolved to your satisfaction, please contact our Customer Relations
team using the details in section 9.
8.3 HOW DO WE HANDLE A PRIVACY COMPLAINT?
We acknowledge every complaint we receive and provide you with our name, a
reference number and contact details of the investigating officer. We keep you
updated on the progress we're making towards fixing the problem.
Usually, it takes only a few days to resolve a complaint. However, if we're
unable to provide a final response within 45 days we'll contact you to explain
why and discuss a timeframe to resolve the complaint.
8.4 EXTERNAL REVIEW OF PRIVACY COMPLAINTS
If you're not satisfied with our handling of your matter, you can refer your
complaint to external dispute resolution. We suggest you do this only once
you've first followed our internal complaint processes set out above.
If your complaint is about the way we handle your personal information you may
also contact:
In Australia
The Office of the Australian Information Commissioner by calling them at 1300
363 992, online at www.oaic.gov.au or writing to the Office of the Australian
Information Commissioner ("OAIC"), GPO Box 5218 Sydney NSW 2001.
Prospa is a member of the Australia Financial Complaints Authority ("AFCA").
AFCA will consider privacy disputes if they're about the provision of credit,
the collection of a debt, credit reporting or the banker-customer relationship,
or if the privacy issue is part of a broader dispute with us.
In New Zealand
If your complaint is about the way we handle your personal information, you may
contact the Office of the New Zealand Privacy Commissioner by sending them a
complaint using the online complaint form, or by writing to the Office of the
New Zealand Privacy Commissioner, PO Box 10094, Wellington 6143, New Zealand,
using the complaint form available here.
9. HOW TO CONTACT US OR FIND OUT MORE
For privacy related queries, access or correction requests, or complaints, or to
request a printed version of this policy, please contact us:
In Australia
Phone 1300 882 867 Our call centre is open Monday to Friday, 9am-5pm AEST.
Email privacy@prospa.com
In New Zealand
Phone 0800 005 797 Our call centre is open Monday to Friday, 9am-5pm AEST.
Email privacy@prospa.co.nz
We aim to resolve your query or complaint at your first point of contact with
us. You can use your usual point of contact or call our customer service team.
9.1 TO UPDATE YOUR DIRECT MARKETING PREFERENCES OR REQUEST NOT TO RECEIVE DIRECT
MARKETING
You can call us using the number above or email us.
For more information about the Australian Privacy Principles and credit
reporting rules visit:
* Office of the Australian Information Commissioner ("OAIC") (privacy
generally); or
* Australian Retail Credit Association ("ARCA") (credit reporting rules).
For more information about the New Zealand Privacy Principles and credit
reporting rules visit:
* Office of the New Zealand Privacy Commissioner (privacy generally); or
* Retail Credit Association of New Zealand (credit reporting rules).
10. AMENDMENTS TO THIS PRIVACY POLICY
We may change this Privacy Policy at any time by changing or removing existing
terms or adding new ones. Changes may take the form of a completely new Privacy
Policy. We will tell you about any changes by posting an updated Privacy Policy
on our website. Any change we make applies from the date we post it on the
website. By continuing to use our services you will be deemed to agree to our
updated Privacy Policy.
PERSONAL AND ELECTRONIC CONSENTS
CONSENT TO COLLECT PERSONAL INFORMATION
By accepting the following terms and conditions you consent to Prospa Advance
Pty Ltd ACN 154 775 667, Prospa Pty Ltd NZBN 9429046731678 and our related
companies from time to time ('we', 'us') collecting, using and disclosing
personal information about you,, in accordance with our Privacy Policy (as
updated from time to time).
A summary of some of the key terms of our Privacy Policy is set out below. We
may use personal information about you for the purpose of providing you with
credit, for direct marketing of products, and to enhance services offered by us
or any of our associates. The information provided by you will be held by us.
You can gain access to the information held about you by contacting us on 1300
882 867 (AU) or 0800 005 797 (NZ). You have the right to request not to receive
direct marketing material by advising us at any time. If you do not provide
personal information, we may be unable to provide a loan.
You consent that we (including any of our overseas associates on our behalf) can
do any of the following at any time:
1. Credit information: Seek and use personal credit information about you to
assess an application for credit.
2. Landlord information: Seek and use landlord information and rental
confirmation from your current landlord.
3. Obtain a credit report from credit reporting bodies: Seek and use a credit
report about you provided by a credit-reporting agency for the purpose of
assessing your application.
4. Provide information to credit reporting bodies: Give to a credit reporting
body personal or commercial information about you. The information may
include identity particulars; the fact that credit has been applied for and
the amount; the fact that we are a current credit provider to you; advice
that payments are no longer overdue; advice that cheques drawn by you have
been dishonoured more than once; in specified circumstances that in our
opinion you have committed a serious credit infringement; and the credit
provided to you by us has been paid or otherwise discharged.
5. Disclose personal information: Disclose personal information about you as
required by law, or to organisations involved in providing credit to you,
any of our associates or contractors, or people considering acquiring or
taking an interest in our business or assets. This includes disclosing
personal information about you to the third party technology providers that
we use to process your application for a loan, some of whom are based
overseas.
6. Bank Statements and third party account aggregation service provider: By
obtaining from you access to your internet banking, our third party service
provider will access your personal information for the purpose of providing
your bank account information to us. We will obtain the last twelve (12)
months bank transactions on the date you apply for a loan, in addition to
further ongoing bank transactions for the term of the loan, for the purpose
of assessing any future loan application. We note that your bank's terms may
prohibit you from sharing your login, so you agree to appoint our third
party service provider as your agent to access your internet banking on your
behalf solely for this purposes and you consent to our ongoing access to
this information for the term of the loan and the purposes outlined above.
7. Customer identification: Disclose personal information about you to a credit
reporting agency for the purpose of verifying your identity against the
information held on your credit file. Should you not agree to have your
identity verified by these means, please contact us so that we can discuss
other options with you.
8. Provide information about your loan, which may include personal information,
to any introducer including but not limited to the loan term, balance and
repayment history.
If you provide any personal information to us about another person, you confirm
that you have the authority of that person to share their information with us
and to permit us to hold, use and disclose their information in accordance with
our Privacy Policy. You must inform them of their rights to access and request
correction of their information set out in our Privacy Policy (as updated from
time to time).
CONSENT TO RECEIVE CONTRACT DOCUMENTATION ELECTRONICALLY
You consent to us sending you notices and other documents in connection with
your dealings with us ("Electronic Communication") by electronic means,
including by email, text or by the member log-in area via our web site. You
understand that upon the giving this consent:
1. We will make all notices, statutory disclosures (including, if applicable,
the Information Statement and Credit Guide), statements of account, copy of
the contract and other documents available for a reasonable period of time
in the customers log-in area on our website for retrieval by you, OR we will
send you such documents by e-mail or other form of electronic communication;
2. If the information is displayed in the customers log-in area, we will
promptly send you an e-mail or other form of electronic communication to the
e-mail address nominated notifying you that information is available for
retrieval from our website and notify you of the nature of that information;
3. You must regularly check your nominated e-mail inbox for notices; You may
withdraw your Electronic Communication consent at any time by contacting us
on 1300 882 867 (AU) or 0800 005 797 (NZ), provided you provide a suitable
means for us to communicate with you.
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