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 1. Home
 2. 


PRIVACY & CREDIT REPORTING POLICY

 * Statement of Notifiable Matters
 * Privacy and Credit Reporting Policy




STATEMENT OF NOTIFIABLE MATTERS

Effective from November 2022.

This information applies to the Latitude entities listed at the end of this
statement.

This statement sets out important information about credit reporting that is
relevant to you if:

 * you are an individual applying for credit, or an individual who holds a
   credit product, from any of the Latitude Companies described at the end of
   this statement (collectively referred to in this statement as "we"/"us"); or
 * we deal with you in connection with credit applied for by, or provided to,
   another customer - for example, if you are a guarantor or proposed guarantor
   for that credit.

We May Disclose your Personal Information to Credit Reporting Bodies:

We may disclose personal information about you in connection with your
credit-related dealings with us to credit reporting bodies. Those credit
reporting bodies may include that information in reports that they provide to
other credit providers to assist them in assessing your credit worthiness.

For example, if you fail to meet your payment obligations to us in relation to
consumer credit, if you commit a serious credit infringement in relation to
consumer credit provided by us, or if you enter into a financial hardship
arrangement, we may be entitled to disclose this information to credit reporting
bodies.

We Disclose Information to the Following Credit Reporting Bodies:

illion Australia Pty Ltd
Website: www.checkyourcredit.com.au
Postal address: illion Public Access Centre,
PO Box 7405, St Kilda Road, Melbourne, VIC 3004

Equifax Australia
Website: www.equifax.com.au
Postal address: PO Box 964, North Sydney, NSW 2059

Experian Australia Credit Services Pty Ltd
Website: www.experian.com.au
Postal address: PO Box 1969, North Sydney, NSW 2060

These credit reporting bodies are each required to have a policy which explains
how they will manage your credit-related personal information. To view the
policy of any of these credit reporting bodies please visit the relevant credit
reporting body's website and follow the "Privacy" links, or you can contact them
directly for further information.

Excluding your Credit Reporting Information from Direct Marketing Pre-Screening:

You have the right to request that a credit reporting body exclude your credit
reporting information from being used by them in connection with pre-screening
for direct marketing requested by a credit provider. You should contact each
relevant credit reporting body directly if you wish to request this.

Protecting your Credit Reporting Information if you are the Victim of Fraud:

You have the right to request that a credit reporting body not use or disclose
your credit reporting information if you believe that you have been, or are
likely to be, the victim of fraud (for example, if you suspect that someone is
using your identity details to apply for credit). You should contact each
relevant credit reporting body directly if you wish to request this.

Accessing or Correcting your Personal Information or Making a Privacy Complaint:

You have the right to request access to, or correction of, personal information
that we hold about you, including credit-related information. You also have the
right to make a complaint if you consider that we have not complied with the
Privacy Act in relation to our management of this information. Our Privacy and
Credit Reporting Policy (please see below) sets out how you can make such
requests or complaints and how we will deal with them.

For details about how we manage personal information (including credit reporting
information) that we hold about you, please see our Privacy and Credit Reporting
policy. Our Privacy and Credit Reporting Policy also contains contact
information where you can request our ‘Statement of Notifiable Matters’ and our
Privacy and Credit Reporting Policy to be sent to you in any alternate form.

LATITUDE ENTITIES

Latitude Finance Australia ABN 42 008 583 588
Latitude Personal Finance Pty Ltd ABN 54 008 443 810
Latitude Automotive Financial Services ABN 80 004 187 419
LatitudePay Australia Pty Ltd ABN 23 633 528 873


PRIVACY AND CREDIT REPORTING POLICY

Effective from November 2022

The Latitude Companies("we"/"us"/"our") take our obligations to protect personal
information seriously. We are bound by the Privacy Act 1988(Cth) and the
Australian Privacy Principles ("APPs") (together, the "Privacy Act"). For
Latitude Companies who are credit providers, or who receive credit eligibility
information, they are also bound by PartIIIA of the Privacy Act and the 'Credit
Reporting Privacy Code', which governs credit reporting in Australia.



1. ABOUT THIS PRIVACY POLICY

The purpose of this Privacy and Credit Reporting Policy ("Policy") is to tell
you how we manage your personal information, including your credit information
and credit eligibility information. This includes the following sections:

 * 1. About this Privacy Policy;
 * 2. Collection of Personal Information;
 * 3. Dealing with Personal Information;
 * 4. Credit-Related Information;
 * 5. Security of Personal Information;
 * 6. Access and Correction of Personal Information;
 * 7. Contact Us;
 * 8. Latitude Companies;
 * 9. Key Definitions.

1.1. ANONYMITY AND PSEUDONYMITY

You may interact with us anonymously or by using a pseudonym if the interaction
is general in nature. However, if the interaction is specific to an account or
relates to your personal information we will need to identify you before we can
engage in further discussions and correspondence.

We may update our Policy from time to time. The updated version will be
published on our Australian Latitude Financial Services website
www.latitudefinancial.com.au.’



2. COLLECTION OF PERSONAL INFORMATION

2.1. KINDS OF PERSONAL INFORMATION WE COLLECT

As a group of companies offering a wide range of products and services, we
collect and hold personal information about you. We collect information from our
customers, prospective customers, employees, prospective employees, contractors,
suppliers, brokers, introducers, merchants, agents, service providers and the
people who represent the businesses we deal with.

The type of personal information we collect and hold may vary depending on the
nature of our interactions with you.

For example, our companies which provide credit would collect and hold financial
information and credit-related information (see section 4), identification
information, transaction / repayment history information, banking details and
employment information about you. Our insurance companies (refer section 83) of
this policy for Latitude entities providing insurance services) would collect
and hold similar information including sensitive information such as health
information.

In order to satisfy our legal obligations, we may need to retain your
information after a transaction or a relationship has ended. However, we will
not retain your identifiable personal information longer than is reasonably
necessary and permitted under Australian law.

We will only collect sensitive information (e.g., information about your
ethnicity, health or biometric information) with your consent or when
permissible under Australian law.

2.2. HOW WE COLLECT YOUR PERSONAL INFORMATION

Wherever it is possible and practical to do so, we will collect personal
information directly from you. This may be in person, over the telephone, by
email, over the internet, by email or fax, or by completion of a form (such as
an application form).

We may also collect your personal information from a third party including a
merchant or a third party with whom we have an arrangement, partnership or joint
venture with. This will be limited to circumstances where it is impracticable or
unreasonable for us to collect it directly from you. The type of third party who
might provide information to us will vary depending on the nature of the
business and interaction with you. For example, we may collect credit
information and credit eligibility information from a credit reporting body or
personal information from your employer to verify information in your
application, hardship application or insurance claim.

When we provide credit, third parties could include:

 * a credit reporting body;
 * collection agents;
 * an employer; or
 * another financial institution.

When we provide insurance, third parties could include:

 * medical practitioners;
 * your employers; or
 * other experts assisting with a claim.

Whilst this is not an exhaustive list, we may obtain your personal information
from other third parties which could include:

 * an introducer such as a broker, agent, dealer and retail partner;
 * someone authorised to act on your behalf (e.g., a financial adviser,
   executor, administrator, trustee, guardian, attorney, accountant or consumer
   advocate);
 * research agencies;
 * a referee;
 * recruitment consultants (e.g., for job applicants);
 * a government body;
 * third party service providers and / or suppliers; or
 * one or more of our related companies, in Australia or overseas.



3. DEALING WITH PERSONAL INFORMATION

3.1. HOW WE HOLD YOUR PERSONAL INFORMATION

We understand the importance of protecting the personal information we hold
about you. We take steps to ensure your personal information is free from
misuse, interference, loss, unauthorised access or modification by:

 * securing personal information both in physical and electronic form;
 * staff education around the importance of Privacy and Data Security;
 * limiting access to personal information only to those that need access; and
 * protecting our systems with appropriate technology solutions.

3.2. THE PURPOSE FOR COLLECTING, HOLDING, USING AND DISCLOSING YOUR PERSONAL
INFORMATION

We collect, hold, use and disclose your personal information in order to manage
and administer the products and / or services we provide to our customers,
whether they are individuals or businesses. You may be a customer, contractor,
job applicant, supplier, partner or party with whom we do or have done business,
or may do business with in the future.

As a financial services provider, a major purpose for which we hold, use or
disclose personal information is to assess credit applications (including
assessing any proposed guarantors), manage credit (servicing and collections
activity), hardship applications, insurance agreements and claims, for planning,
product and service development, research purposes and to analyse the risk
profiles of our customers or potential customers.

3.3. ONLINE SERVICING OR ACCESS

When you register to access products or services online, the information
collected is compared with the details we may already have stored. This might
include your name and date of birth and allows us to verify who is seeking
access. If this information is not provided you will not be able to access your
personal information online.

3.4. DIRECT MARKETING

By consenting to our Privacy Policy, you authorise us to use and disclose your
personal information for an indefinite period to advise you of products and
services that may be of interest to you by means of direct marketing.

If you do not want your personal information to be used for direct marketing
purposes, please contact us so that we can action this request. This is referred
to as "opting out" of direct marketing. You can "opt-out" of direct marketing
from each Latitude Company using the details in the 'Contact Us' table at the
end of this policy.

3.5. SHARING OF PERSONAL INFORMATION

In order for us to provide our products and services to our customers, from time
to time, we share personal information with our related bodies corporate both in
Australia and overseas, as defined in the Corporations Act 2001 (Cth).

We may also share personal information to other businesses who provide services
to us and other third parties including:

 * suppliers who provide us with services such as product source systems
 * introducers such as brokers, dealers and retail partners;
 * your employer;
 * service providers such as customer service organisations, call centres,
   mailing houses, researchers, collections agents, and data analysts;
 * other organisations as required or authorised by law, for example, government
   or regulatory bodies;
 * credit reporting bodies;
 * other financial institutions, government bodies and credit providers;
 * card schemes such as Mastercard or Visa;
 * your nominated referees;
 * additional cardholders or other persons (if any) authorised by you to operate
   or access your credit facility;
 * organisations through whom you choose to make payments to us;
 * organisations involved in our funding arrangements such as investors,
   advisers, trustees and rating agencies;
 * organisations who purchase our debt and to whom we assign our debt to; and
 * organisations wishing to acquire an interest in any part of our business
   (including our receivables) for assessing or implementing any such
   acquisition.

When sharing your personal information, we will act in accordance with, and
require these businesses and our suppliers to comply with, strict
confidentiality requirements and the Privacy Act.

If you are our customer (or a representative of a customer) there is additional
information about how we deal with personal information in the product’s
Important Privacy Notice or Product Disclosure Statement. You may request at any
time your Important Privacy Notice or Product Disclosure Statement by contacting
us via the 'Contact Us' table at the end of this policy.

3.6. DISCLOSING INFORMATION OVERSEAS

As is the case throughout the Australian Financial Services Industry (and other
major industries), technology allows for services to be provided by different
service providers including some that are located overseas. We utilise overseas
service providers for some of our activities and to do so may need to disclose
personal information to those service providers. We may also disclose such
information to other overseas recipients for the purposes listed above when
permitted to do so by the Privacy Act.

While we try to store your personal information locally, there may be times
where our service providers are located outside of Australia. Where this
happens, we always take adequate steps to secure and protect your personal
information, wherever its being stored.

Further, we may share your personal information with overseas recipients in
accordance with this Policy, in particular, section 3.5 above.

Whilst it is not practicable to list every country in which such overseas
recipients are likely to be located, it is likely that the countries to which
your personal and credit information may be disclosed include China, countries
within the European Union, India, Japan, Mexico, New Zealand, the Philippines,
Singapore, South Korea, Spain, United Kingdom and the United States of America.



4. CREDIT-RELATED INFORMATION

As part of obtaining credit with us, we may obtain credit-related information
about you from credit reporting bodies. Credit-related information in this
Policy includes:

 * credit information of the kinds listed under section 9 (see credit
   eligibility information) but relating primarily to your dealings with other
   credit providers (such as about credit applications you have made or credit
   that you hold with other credit providers). This information will typically
   have been provided by other credit providers or other third parties; and

 * credit eligibility information (see credit eligibility information in section
   9 below) about you that credit reporting bodies derive from the information
   above, such as credit scores, risk ratings and other evaluations about you;

4.1. COLLECTION, USE AND DISCLOSURE OF CREDIT-RELATED INFORMATION

We collect, hold, use and disclose credit information and credit eligibility
information about you for purposes that deem it reasonably necessary for our
business activities and within the requirements in the Privacy Act, and as
permitted by law. These purposes include but are not limited to:

 * assessing credit applications and accepting guarantors;
 * internal management purposes, including securitisation, risk management,
   credit scoring and portfolio analysis;
 * to assist in the collection of overdue payments;
 * help prevent defaults and consider applications for financial hardship;
 * to participate in the credit reporting system;
 * undertake securitisation activities and debt assignments;
 * to deal with complaints and legal proceedings;
 * to meet our legal and regulatory requirements (such as reporting matters to
   regulators or enforcement bodies when authorised or required by law);
 * to assist other credit providers with such purposes in circumstances
   permitted by the Privacy Act;
 * with organisations involved in our securitisation (funding) arrangements
   performing certain tasks;
 * with organisations who purchase our debt and to whom we assign our debt to;
   and
 * with organisations wishing to acquire an interest in any part of our business
   (including its receivables) for assessing or implementing any such
   acquisition.

Restrictions apply under the Privacy Act in relation to the circumstances and
purposes for which such information may be used or disclosed and we ensure we
comply with these restrictions. For example, in general, credit eligibility
information may not be disclosed unless the recipient is a credit provider and
restrictions apply on the use of credit eligibility information for direct
marketing purposes.

We may also disclose your credit information to credit reporting bodies. Those
credit reporting bodies may include that information in reports that they
provide to other credit providers to assist them to assess your credit
worthiness.

For example, we will provide information that identifies you and about your
application for credit when obtaining credit reporting information for the
purposes of assessing that application.

Should you fail to meet your payment obligations to us or commit a serious
credit infringement in relation to credit provided by us, we may be entitled to
disclose this information to credit reporting bodies.

4.2. CREDIT REPORTING BODIES

We access and disclose credit information to the following credit reporting
bodies:

illion Australia Pty Ltd
Website: www.checkyourcredit.com.au
Postal address: illion Public Access Centre,
PO Box 7405, St Kilda Road, Melbourne, VIC 3004

Equifax Australia Information Services and Solutions Pty Ltd
Website: www.equifax.com.au
Postal address: PO Box 964, North Sydney, NSW 2059

Experian Australia Credit Services Pty Ltd
Website: www.experian.com.au
Postal address: PO Box 1969, North Sydney, NSW 2060

These credit reporting bodies are each required to have a policy which explains
how they will manage your Credit Reporting Information. If you would like to
read the policies of these credit reporting bodies, please visit their websites
and follow the "Privacy" links. Alternatively, you can contact them directly for
further information.

4.3. OTHER RIGHTS REGARDING YOUR CREDIT REPORTING INFORMATION

4.3.1. Direct Marketing Pre-Screening
You have the right to request these credit reporting bodies to exclude your
credit reporting information from any permissible direct marketing activities we
may request them to perform. You should contact each relevant credit reporting
body directly if you wish to request this.

4.3.2. Victim of Fraud
You also have the right to request credit reporting bodies not to use or
disclose your credit reporting information if you believe that you have been, or
are likely to be, the victim of fraud (for example, you suspect someone is using
your identity details to apply for credit). You must contact the credit
reporting bodies directly should this be the case.



5. SECURITY, WEBSITES AND COOKIES

5.1. PROTECTING YOUR PERSONAL INFORMATION

We will take reasonable steps to keep your personal information safe from loss,
unauthorised activity, or other misuse. You must take care to protect your
personal information, which can include steps such as using passwords that
cannot be easily guessed, ensuring you access your personal information on safe
internet networks, and by not disclosing your personal information to unknown
third parties. You should also notify us via our contact details listed below as
soon as you become aware of any security breaches relating to your account or
personal information.

5.2. TRACKING INFORMATION ON THE WEB

For statistical purposes, we collect information on website activity such as the
number of users who visit our websites, the date and time of visits, the number
of pages viewed, navigation patterns, what country and what systems users have
used to access the site and, when entering one of our websites from another
website, the address of that website. This information is obtained through the
use of 'cookies' (refer below for more information about 'cookies').

Our websites may also contain links to other websites. While these links are
provided for convenience, if you are navigating these sites please be aware that
the information handling practices of the linked websites may differ from ours.
While we try to link only to sites that share our high standards and respect for
privacy, we are not able to guarantee the privacy practices of other websites.

5.3. WEBSITE SECURITY

Whenever personal information is sent via our website we use high levels of
security to protect it. These security levels are standard for internet banking
and large scale e-commerce sites and involve the use of high levels of
encryption. The security level of a web page can be viewed by clicking on the
internet browser's padlock or key icon.

5.4. COOKIES

A 'cookie' is a packet of information that allows a website to identify and
interact more effectively with a computer. Cookies do not identify you, but they
may record some browser and/or connection information.

Cookies are widely used on websites to help with navigation, monitor usage and
to help personalise your experience when you visit a website. We may use cookies
to monitor use of this website, to provide you with access to tailored
information and services from this website, and to serve you better when you
return to this website.

Your browser can be individually set to accept all cookies, reject all cookies,
or notify when a cookie is sent. If cookies are rejected, there may be limits on
how our websites can be used.

5.5. WEBSITE ADVERTISEMENTS

From time to time we place advertisements on other websites. This may involve
installing a cookie on a computer when our advertisement is viewed. This simply
allows us to keep track of how many unique visitors we have to our site and from
what advertisements they entered.

This then allows us to measure the effectiveness of different advertisements.
The privacy policies of the websites which install the cookies should provide
additional information about the use of cookies.

To evaluate the effectiveness of our website advertising, we may use third
parties to collect statistical data. No personal data is collected on these
occasions.



6. ACCESS AND CORRECTION OF PERSONAL INFORMATION

6.1. ACCESS

You are entitled to access the information we hold about you. Simple requests
are best handled by speaking to the relevant customer service area. More complex
requests such as accessing the credit information we hold about you or obtaining
copies of contractual or insurance policy documents may be better detailed in
writing to ensure we fully understand and can respond accurately to your
request. The 'Contact Us' table at the end of this policy contains details of
the ways you can contact us.

We will usually provide the information requested within 30 days of receiving
your request. If there is a reason we are unable to agree to a request for
access to your personal information, we will advise you of this in writing. Some
examples of why we may refuse a request for access include:

 * providing the information may pose a threat to the health or safety of an
   individual or the public;
 * providing the information may have an unreasonable impact on the privacy of
   another individual;
 * providing the information is not allowed by law; or
 * providing the information may reveal internal information relating to a
   commercially sensitive decision-making process.

If your request relates to an insurance product, we comply with the General
Insurance Code of Practice and Life Insurance Code of Practice timeframes.

There is no charge to request access to your personal information, however, we
may apply an administration fee for providing access in accordance with your
request.

6.2. CORRECTION

We aim to hold accurate and up-to-date personal information about you at all
times. If you consider that any information we hold about you is incorrect in
any way, you may seek the correction of that information. To seek such a
correction please call the relevant contact number provided in the 'Contact Us'
table at the end of this policy to discuss your query.

In certain situations, we may not agree to a request to correct information we
hold about you. If this occurs, we will advise you of this and our reason for
not agreeing to the correction request in writing.

6.3. COMPLAINTS

If you believe that we have failed to comply with the Privacy Act (including
credit reporting requirements in Part IIIA) or the Credit Reporting Privacy
Code, please contact us and we will then follow our Internal Dispute Resolution
process. The 'Contact Us' table at the end of this policy contains details of
the ways you can contact us.

For more detailed information on our complaint handling process please refer to
our Internal Dispute Resolution web page.

If the complaint remains unresolved, you may refer it to a recognised External
Dispute Resolution scheme ("EDR"). Latitude is a member of the Australian
Financial Complaints Authority ("AFCA"). AFCA independently and impartially
resolves disputes between customers and participating members on matters
including Privacy and Credit Reporting.

The contact details for AFCA are:

Australian Financial Complaints Authority
GPO Box 3
Melbourne Victoria 3001
Australia
Phone: 1800 931 678
Email: info@afca.org.au
Website: www.afca.org.au

Alternatively, you may refer the matter to the Office of the Australian
Information Commissioner (the "OAIC").

The contact details for the OAIC are:

The Office of the Australian Information Commissioner
GPO Box 5218 Sydney NSW 2001 Australia
Phone: 1300 363 992
Fax: +61 2 9284 9666 Website: www.oaic.gov.au



7. CONTACT US

Below are the contact numbers for the products and services offered by Latitude
Financial Services.

ProductTelephone numberLatitude 28° Global Platinum Mastercard1300 552 079Buyers
Edge1300 361 152CareCredit1300 662 273CreditLine1300 131 024Latitude Eco
Mastercard1300 734 543Latitude Low Rate Mastercard1300 721 394Latitude
Mastercard1300 882 289Latitude Gem Visa1300 630 977Latitude GO Mastercard1300
462 273Latitude Financial Services account1300 363 269Latitude Infinity Rewards
Visa1300 783 520Latitude Personal Loans13 28 26Umi13 88 64Latitude Car Loans1300
137 759Hallmark Insurance1800 800 230



8. LATITUDE COMPANIES

1The Latitude Companies include:

 * Latitude Financial Services Australia Holdings Pty Ltd ABN 46 603 161 100;
 * Latitude Finance Australia ABN 42 008 583 588;
 * Latitude Automotive Financial Services ABN 80 004 187 419;
 * Hallmark Life Insurance Company Ltd ABN 87 008 446 884;
 * Hallmark General Insurance Company Ltd ABN 82 008 477 647;
 * Latitude Personal Finance Pty Ltd ABN 54 008 443 810,
 * LatitudePay Australia Pty Ltd ABN 23 633 528 873

and their related bodies corporate in Australia.

2Latitude Companies which provide credit products include:

 * Latitude Finance Australia ABN 42 008 583 588, Australian Credit Licence
   392145;
 * Latitude Automotive Financial Services ABN 80 004 187 419, Australian Credit
   Licence 392178;
 * Latitude Personal Finance Pty Ltd ABN 54 008 443 810, Australian Credit
   Licence 392163,
 * LatitudePay Australia Pty Ltd ABN 23 633 528 873, Australian Credit Licence
   527624; and any Latitude Companies which may provide credit products from
   time to time.

and any Latitude Companies which may provide credit products from time to time.

3Latitude Companies which provide insurance products include:

 * Hallmark Life Insurance Company Ltd ABN 87 008 446 884;
 * Hallmark General Insurance Company Ltd ABN 82 008 477 647.



9. KEY DEFINITIONS

The Privacy Act contains a variety of detailed definitions describing the types
of information to which it applies. To make it easier for you to read this
policy we have only included some general explanations of the key definitions
used in this Policy.

If you would like further information on the key definitions and other
definitions used in this Policy please refer to the website of the OAIC at
www.oaic.gov.au or the full provisions of the Privacy Act and or the Credit
Reporting Privacy Code which are also available on the OAIC website.

Personal Information is information or an opinion about an identified
individual, or an individual who can reasonably be identified. The type of
personal information we collect may include your name, mailing address, date of
birth, email address, telephone number and financial details. Some elements of
personal information are also referred to as ‘sensitive information’. These
include but are not limited to:

 * racial or ethnic origin
 * membership of a professional association or union membership
 * criminal history or health information (including biometric information, e.g.
   your fingerprint).

Personal information includes credit information and credit eligibility
information.

Credit Information forms part of your personal information and may include
information obtained from a Credit Reporting Body and usually consists of:

 * identification information, such as your name, address, date of birth or
   employer;
 * consumer credit liability information, this is information about consumer
   credit accounts you hold, or have held with a variety of credit providers;
 * repayment history information, information about whether you have paid on
   time and if you have not paid on time, how overdue you are;
 * financial hardship information, and from 1 July 2022, information about
   whether you have entered into a financial hardship arrangement;
 * credit enquiry information, details of previous credit applications;
 * default information, information on overdue amounts which have been overdue
   for greater than 60 days and greater than $150;
 * court proceedings information such as summons or judgements;
 * personal insolvency information, information on if you have been bankrupt.

For more information about Credit Reporting, go to www.creditsmart.org.au

Credit Eligibility Information - this information relates primarily to your
credit-related dealings with other credit providers. Credit eligibility
information generally comprises of:

 * Credit reporting information provided by credit reporting bodies; and
 * Credit worthiness information that we derive using credit information.

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The Latitude Group recommends that you read the Terms and conditions and Privacy
and Credit Reporting Policy of the website. The Latitude Group is a leader in
consumer finance in Australia and New Zealand offering a range of services:
including personal loans, car loans, credit cards, personal insurance, interest
free and promotional retail. In Australia, the Latitude Group includes: Latitude
Financial Services Australia Holdings Pty Ltd (ABN 46 603 161 100); Latitude
Finance Australia (ABN 42 008 583 588 Australian Credit Licence Number 392145);
Latitude Personal Finance Pty Ltd (ABN 54 008 443 810 Australian Credit Licence
Number 392163); and Latitude Automotive Financial Services (ABN 80 004 187 419
Australian Credit Licence Number 392178), trading as Latitude Financial
Services; Hallmark General Insurance Company Ltd (ABN 82 008 477 647 AFSL
243478) trading as Latitude Insurance; and Hallmark Life Insurance Company Ltd
(ABN 87 008 446 884 AFSL 243469). LatitudePay Payment Plan provided by
LatitudePay Australia Pty Ltd ABN 23 633 528 873. In New Zealand, the Latitude
Group includes: Latitude Financial Services Limited (Company number 5624865).
Latitude Financial Services, Level 18, 130 Lonsdale Street, Melbourne, Vic,
3000.