PERSONAL AND CREDIT INFORMATION PRIVACY ACT 1988
AUTHORISATION AND CONSENT TO ACT ON BEHALF OF INDIVIDUALS AND MANAGE PERSONAL
INFORMATION
Australian Loans provides access to online finance through cooperation
with loan institutions unrelated to Australian Loans. Completion of this
form will provide authority for Australian Loans to act as your agents
in arranging the provision of finance to you.
In this document, unless the context otherwise requires:
“Act” means the Privacy Act 1988 (Cth);
“Approached Credit Provider” means a credit provider that Australian Loans
may approach in arranging finance pursuant to the Application;
“Approached Insurance Provider” means an insurance provider that Australian
Loans may approach in arranging insurance pursuant to the Application;
“Australian Loans” means:
(i) Australian Loans ;
(ii) Lending institutions;
(iii) any and all:
(a) associated entities of Australian Loans or Lending institutions
(b) independent contractors appointed by Australian Loans or Lending institutions;
and
(c) franchisees of Lending institutions to whom or which Australian Loans
or Lending institutions passes the Application; and
(d) independent contractors appointed by the franchisees described at
(c) above to whom or which any of the parties listed at (i) to (iii) above
passes the Application; and
"finance" means any form of financial accommodation including,
but not limited to, loans, leases, rentals or hiring; and
"insurance" means any form of insurance facility including,
but not limited to, motor vehicle comprehensive, loan protection, equity
protection ("gap"), title, or mechanical breakdown warranty.
I/We appoint Australian Loans as my/our agents to arrange, and assist
in the management of, finance or insurance facilities (or both) as detailed
in the application I am/we are completing on this website (“Application”).
1. ACKNOWLEDGEMENT OF DISCLOSURE OF CREDIT INFORMATION TO A CREDIT REPORTING
AGENCY
I/We acknowledge and agree that under Section 18E(8)(c) of the Act, an
Approached Credit Provider may give a credit reporting agency certain
personal information about my/our Application.
The information which may be given to a credit reporting agency is covered
by Section 18E(1) of the Act and includes:
information reasonably required to identify me/us;
the fact that I/we have applied for finance and the amount;
the fact that the Approached Credit Provider is a current credit provider
to me/us;
payments which become overdue more than 60 days, and for which collection
action has commenced;
advice that payments are no longer overdue;
certain cheques drawn by me/us which have been dishonoured more than once;
in specific circumstances, that in the opinion of the Approached Credit
Provider, I/we have committed a serious credit infringement; and
that finance provided to me/us by the Approached Credit Provider has been
paid or otherwise discharged.
2. AGREEMENT / AUTHORITY FOR AN APPROACHED CREDIT PROVIDER TO PERFORM
CERTAIN PERMITTED ACTIONS CONCERNING A FINANCE APPLICATION OR TRANSACTION
I/We agree that,
if it is considered relevant in assessing my/our Application for personal
credit, an Approached Credit Provider may obtain a report about my/our
commercial activities or commercial credit worthiness from a business
which provides information about the commercial credit worthiness of persons;
and
if it is considered relevant in assessing my/our Application for commercial
credit, an Approached Credit Provider may obtain from a credit reporting
agency a credit report containing personal credit information about me/us.
I/We agree that, for the purpose of assessing the Application or any other
purpose permitted by the Act, an Approached Credit Provider may give to
and seek from any credit providers named in the Application, and any credit
providers that may be named in a personal or commercial credit report
issued by a credit reporting agency or commercial credit reporting agency
respectively, information about my/our personal or commercial credit arrangements.
I/We understand that this information may include information about my/our
credit worthiness, credit standing, credit history or credit capacity
that credit providers are allowed to give or receive from each other under
the Act.
3. AUTHORISATION TO ACT ON BEHALF OF INDIVIDUALS
For the purposes of arranging the finance which is the subject of my/our
Application, I/we authorise Australian Loans to obtain, on my/our behalf,
a report about my/our consumer and commercial credit worthiness from a
credit reporting agency or a commercial credit reporting business or from
a credit provider named in my/our Application or referred to in such reports.
I/We also authorise Australian Loans to pass on the above obtained reports
to such Approached Credit Providers as are appropriate, for their consideration
of this Application.
4. COLLECTION AND MANAGEMENT OF PERSONAL INFORMATION
I/We acknowledge and agree that:
a) it is necessary for Australian Loans to collect personal information
regarding me/us from both ourselves and other parties, to enable Australian
Loans to apply, on my/our behalf, for the finance and insurance facilities
requested. I/We understand that if I/we do not provide the information
then Australian Loans will not be able to seek the requested facilities
from Approached Credit Providers and Insurers;
b) the information collected may be disclosed to, and used by, Australian
Loans, Approached Credit Providers and Insurers to the degree that each
entity considers reasonable and necessary in considering and arranging
the requested facilities;
c) subject to the Act and any other applicable law, Australian Loans,
Approached Credit Providers and Insurers may provide information collected
as above to any parties (such as referees, employers etc) named in the
Application to the extent they deem necessary to assist in assessing and
arranging the requested facilities;
d) Australian Loans is represented by franchisees in certain areas and
I/we agree that where applicable the Application may be passed to any
relevant franchisee who has agreed to abide by the provisions of this
Authorisation and Consent, and the Australian Loans Privacy Policy generally;
e) Australian Loans may retain the information obtained and, at its discretion,
provide to me/us, from time to time information about Australian Loans
products and services. The provision of this information may be by telephone,
mail or electronic media (such as e-mail);
IF SUCH INFORMATION IS NOT REQUIRED THEN I/WE UNDERSTAND THAT THIS PROVISION
MAY BE CANCELLED BY ADVISING Australian Loans BY PHONING. IF THE CANCELLATION
REQUEST RELATES SPECIFICALLY TO Lending institutions, OR ONE OF ITS FRANCHISEES
OR CONTRACTORS, THEN Lending institutions SHOULD BE CONTACTED AT THE ADDRESSES
LISTED AT h) BELOW.
f) Australian Loans may disclose relevant parts of my/our personal information
to third parties it engages, to assist in the provision of its services
to me/us including mailing houses and IT contractors;
g) the appointment provided herein is an ongoing one and if an Approached
Credit Provider or Insurer has, as a result of an application on my/our
behalf by Australian Loans or Contractors, provided facilities to me/us
then that Credit Provider or Insurer is authorised to provide information
to Australian Loans from time to time relating to the subsequent conduct
of the facility;
h) I/we can gain access to the personal information I/we have provided,
or obtain more information on the Australian Loans Privacy Policy, by
contacting Australian Loans on ph: 02 6684 1198. I/we can gain access
to personal information held by Lending institutions and its franchisees
and contractors to which it has passed my/our personal information or
obtain more information on Lending institutions’s privacy policy. I/we
understand that Lending institutions will pass privacy requests and enquiries
to any franchisee or contractor of Lending institutions where requested
to do so and Lending institutions will endeavour to assist with all privacy
enquiries relating to its franchisees and contractors;
i) Lending institutions will act only upon referral of the Application
to it from Australian Loans and it is not connected with Australian Loans
, or responsible for any act or omission by, or on behalf of, Australian
Loans . Without limitation, Lending institutions has no responsibility
or liability in relation to any advice or information provided by, or
on behalf of, Australian Loans including the content of Australian Loans
’s website/s. including, but not limited to, any financial advice that
may be contained on that site.
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