Credit One - Smarter Finance and Insurance

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Terms and Conditions

Privacy Disclosure Statement & Consent

Overview

Credit One Marine Finance Pty. Ltd., ACN 135 940 813, trading as Credit One and Approved Car Loans, (‘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, consistently 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 credit and personal information (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 Credit Reporting Body (‘CRB’) Disclosures

When we collect information from you in the credit application process, we use that information in a number of ways to assess your credit application and to source a suitable credit provider or lessor and/or insurance provider. We may:

Disclose your identification information to a CRB if you wish us to obtain a report on your behalf;
Use any information the CRB provides in that report to assist us to preliminarily assess your consumer credit or guarantor application
Disclose your personal information to an insurer or insurers to source any insurances you wish to obtain
Disclose your credit 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 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, from one or more CRBs.

The website of each credit provider contains details of each CRB with which it deals and other detail about information held about you and describes your key rights. This detail may be described on the credit providers’ websites as ‘notifiable matters’, ‘privacy policy’, ‘credit reporting policy’ or ‘privacy disclosure statement and consent’, and includes –

That the CRB 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 a CRB
How you can obtain the credit provider’s and/or CRB’s policies about managing your credit 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 CRB not to undertake pre-screening for purposes of direct marketing by a credit provider
Your right to request a CRB 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 the credit provider 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)
The CRB not to use your information for direct marketing assessment purposes, including pre-screening
The CRB to provide you with a copy of the 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 07 31039401 or email at . 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 www.approvedcarloans.com.au or we will provide you with a copy if you ask us.

You can contact (CRB) Equifax Pty Ltd by telephone on 1300 921 621 or email at .

Disclosure and Consent

By signing below, you agree we may:

Use your personal and credit 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 the Schedule of Credit Providers below 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 credit 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 personal and credit 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 in New Zealand, Philippines, India, Singapore and the United States of America; and
Disclose your personal 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 CRB disclosing consumer credit information to one or more credit providers specified in the Schedule of Credit Providers below 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 credit information (including information obtained by it from a CRB) to a guarantor, or a prospective guarantor
A credit provider disclosing to another credit provider, for a particular purpose, information it holds about you

Where the applicant, or guarantor, is a company of which you are a director, you consent to the use of your information, in addition to the company’s information, in each of the ways listed above.

Authorisation

By signing below, you also authorise us to make a request on your behalf to obtain credit reporting information about your consumer and commercial credit worthiness from a CRB. That information will assist us in providing our services to you. This authorisation ceases when we undertake a task on behalf of a credit provider.

Schedule of Credit Providers

ANZ -
Bank of Queensland -
Capital Finance -
Commonwealth Bank -
Commercial Equity Group Ltd -
Latitude Financial Services Pty Ltd -
Fin One Pty Ltd -
Liberty Financial Pty Ltd -
Macquarie Leasing -
National Motor Loans -
Westpac -
Money 3 Loans Pty Ltd -
Morris Finance Ltd -
Wingate Consumer Finance Pty Ltd T/as Now Finance -
Specialist Equipment Leasing Finance (selfco) -
Pepper Money Australia Pty Ltd -
R.A.C.V Finance Limited -
Australian Motorcycle and Marine Finance Pty Ltd -
Fleetpartners Australia -
Flexigroup -
Service Finance Corporation -
Silver Chef Ltd -
Suncorp Group -
Newstart Auto Loans -
St George Automotive Finance -
Metro Finance -
National Australia Bank -
Axsesstoday -
Centrepoint Alliance Premium Funding -
Flexirent -
Australian Premier Finance -
Greenlight Auto Group (Carboodle) -
ProspaAdvance -
Rapid Loans -
Affordable Car Loans -
Rate Setter -
TL Rentals -
Firstmac -
Classic Funding Group -
Bananacoast Community Credit Union Ltd -

Disclaimer

The material on this website is intended only to provide a summary and general overview on matters of interest.

This website and the information contained within it, is subject to continuous change and although we attempt to ensure the content is correct and current we do not guarantee its currency nor correctness due to delays, errors and omissions which may occur.

To the maximum extent permitted by law, Credit One - Smarter Finance and Insurance takes no responsibility whatsoever to you or anyone else for any loss or damage suffered as a result of or in connection with the use of this website or any of its content. This includes, but is not limited to, the transmission of any computer viruses and any subsequent constructive loss which may occur. We recommend that prior to downloading any files, photos or articles, an appropriate virus check should be conducted.

Credit One - Smarter Finance and Insurance provides links to other sites for your convenience, however we take no responsibility as to the accuracy or currency of information on those sites. We do not endorse any information, goods or services referred to within the sites and our provision of links should not be taken to be an endorsement.

Credit One - Smarter Finance and Insurance authorises printing of content for personal use only and, all other use, copying or reproduction of this website or any part of it is prohibited (except to the extent permitted by law).

Collection of Statistical Information via our website

Our internet service provider makes a record of each visit to the web site. When you visit our website, the following information is logged for statistical purposes only:

your server address
your top level domain name (for example .com, .gov, .au, etc)
the date and time of your visit to the site
the pages accessed and documents downloaded by you
the previous site visited by you
the type of browser used by you

Privacy Policy

Credit One Pty Ltd, ACN 119 629 113 and Credit One Marine Finance Pty Ltd, ACN 135 940 813, also trading as Approved Car Loans (‘CO’ & ‘COEF’, 'we', 'us', 'our') is committed to protecting your privacy and the confidentiality of your personal and credit information (information). In handling your credit information, we are bound by, and comply with, the Privacy Act 1988, the Australian Privacy Principles (APPs) and the Credit Reporting Privacy Code (Code).

This privacy policy sets out how we collect and manage your information, how you can access that information if you wish and how you can complain if you are not satisfied with our policies and processes.

1. Collection and storage of personal information

We collect information from, and about, you to, as appropriate:

respond to your enquiries about the finance products or insurances we can source for you
assess your credit application and source the finance and insurances you require
assess the application for finance made by a company of which you are a director
assess your application to guarantee the repayment of finance we are sourcing
provide customer support
promote our products and services
manage any complaints

We also use the information we collect to:

manage your application
develop new products, policies and procedures
undertake market research
obtain legal and compliance advice about our obligations
meet our regulatory and legal obligations

The information we collect may include personal identification, contact details, financial information, lending and default history, banking details, personal and trade references and employment or business history, depending on the relationship you wish to have with us. If you choose not to provide this information, our ability to assist you may be restricted.

Wherever possible, we will collect your information directly from you should you wish us to source finance and insurances for you. We may obtain personal information about you from a third party, such as your accountant or a credit reporting body, where authorised. Wherever possible we will tell you who we need to contact and why.

We may also collect information from you if you choose to use our website to communicate with us. We will collect the information you provide through our interactive facilities, such as customer enquiry, online finance application or comment forms.

In some circumstances, dealers, accountants, referees, external dispute resolution schemes, your agents and government bodies may provide us with your information. The circumstances in which third parties provide us with information include purchase or service requirements, finance applications, account management and complaints.

We take steps to protect any information we collect so it will be safeguarded from misuse, loss, unauthorised access, use, disclosure or modification.

The law may require us to retain your personal information for a period of time after our business dealings have finished. It is securely stored and disposed of, or de-identified, when no longer required.

2. Website information collection

When you visit our website, our ISP host records a range of information, including your server address, domain name, the date and time of the visit and the pages viewed. This information may be collected by using cookies which is data sent to your web browser. This allows our site to interact more efficiently with your computer.

If you disable the use of cookies, your use of our site may be affected. Information collected about your visit to our site is retained for statistical and website development reasons and is not in a form which would enable us to identify you.

When visiting our site, you will not be required to provide us with any personal information unless you request information about our services or respond to a promotion. If you do, we will ask you to provide contact details along with other information required to respond to your contact with us.

We may also retain that information provided for planning purposes. It may also be used for direct marketing purposes unless you tell us you do not wish to receive marketing material.

3. Use and disclosure

We use your information to source the finance and insurances you require, assess your suitability to be a guarantor and perform other functions and activities associated with managing our relationship.

Those functions and activities can include our internal administration, preliminary credit assessment, account management, product or service development, compliance audits/reviews, marketing, complaints management, planning and research requirements as well as future offers to you.

Where you, as an individual, apply for finance through us, or agree to act as a guarantor, you authorise how we may collect, use and disclose your personal and credit information in the Privacy Statement and Consent we ask you to sign before we consider your application for credit or to be a guarantor.

We will disclose your information to third parties only as the Privacy Act permits and where there is a valid reason to do so. All third parties must use your information only for the specific purpose for which we supply it.

Third parties may include:

Prospective credit providers and/or insurers
Employees, contractors, auditors and advisers
Credit reporting bodies
Service providers (e.g. computer systems consultants, document custodians, mailing houses etc) to enable them to perform those services)
Your agents, including your accountant or legal or financial advisor, where required
Insurers, insurance brokers and insurance assessors
Debt collection agencies
Referees, where authorised
Companies to which we are related
Government authorities and law enforcement agencies, as required by law only.

We may also provide your information to, and receive your information from, a credit reporting body (CRB), if you authorise us to obtain a report on your behalf.

Any information shared with, or by, a CRB is held in electronic form, trackable through the CRB or our systems by time, date, account and user.

Where information is provided to our service providers in the following countries: India and Philippines, we require them to comply with our information management policies and procedures so your information has the same protections as if managed in Australia.

4. Information Access

You can access the personal and/or credit information we hold about you by contacting us in any of the ways shown in (6) below.

You can also access the information the CRB holds about you by contacting them for a copy of that information at:

Equifax Pty Ltd

Contact: Address: PO Box 964, North Sydney NSW 2060
Phone: 1300 921621
Website:

If any information is incorrect, out of date or incomplete, you have the right to have that information updated and corrected. If, for any valid reason, we refuse to correct your information, we will explain why.

5. Complaints and concerns

Please contact us if you have any complaints or queries about how we manage your information or you no longer wish to receive marketing materials. You can contact us by mail, phone or email, as listed in (6) below.

If you lodge a complaint, our Internal Dispute Resolution officer will investigate your complaint. We will commence the investigation within 2 days and provide you with a response within 14 days. We will seek your agreement to a longer time if it is needed. We will keep you informed of the investigation process by phone or email at least once a week and provide you with a written response to your complaint within 30 days.

If you do not accept our response, you may take the compliant to our External Dispute Resolution Scheme. Australian Financial Complaints Authority (AFCA) contact details are:

AFCA

Phone: 1800 931 678
Fax: (03) 9613 7399
Email: Website:
Mail: GPO Box 3, Melbourne VIC 3001 (Australia)

6. Obtaining our privacy policy

This privacy policy may change over time. You can obtain the current version from our website or by contacting us by any of the contact methods below.

Email: Address: P.O. Box 4836 Eight Mile Plains Q 4113
Phone:
Website:

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