PERSONAL AND CREDIT INFORMATION
PRIVACY ACT 1988 (AS AMENDED) AND ALL RELATED
REGULATIONS (“ACT”)
AUTHORISATION TO ACT ON BEHALF OF INDIVIDUALS AND MANAGE
PERSONAL INFORMATION
I/We appoint Find That Finance and its associated
entities, and any independent contractors it has appointed to assist in
providing services to me/us (“Contractors”) as my/our agents to arrange, and
assist in the management of, finance and/or insurance facilities. I understand
and agree that Find That Finance and Contractors may pay to, or receive from,
third parties, fees and/or benefits in relation to this appointment and the
provision of these services.
In this document: The term
“finance” refers to any form of financial accommodation including, but not
limited to, loans, leases, rental or hiring. The term “insurance” refers to any
form of insurance facility including, but not limited to, motor vehicle
comprehensive, loan protection, equity protection (“gap”), title, or mechanical
breakdown warranty. The term "Credit Provider" refers to all panel
lenders including, but not limited to, Australia and New Zealand Banking Group
Ltd, Macquarie Leasing Pty Ltd, Secure Funding Pty Ltd, Liberty Financial Pty
Ltd, AMMF Finance, Wingate Consumer Finance Pty
Ltd, Pepper Asset Finance Pty Ltd, Money3 Corporation Ltd, Fin One Pty Ltd,
Automotive Financial Services Pty Ltd and Affordable Car Loan Pty Ltd, Wisr Financial
Pty Ltd, Now Finance Pty Ltd, CarStart Finance.
1. ACKNOWLEDGEMENT THAT FIND THAT FINANCE MAY DISCLOSE
PERSONAL AND CREDIT INFORMATION TO A CREDIT REPORTING BODY
I/We agree that under the Act, a Credit Provider which Find
That Finance and Contractors may approach in arranging my/our finance
(hereinafter an “Approached Credit Provider”), may give a credit reporting body
certain personal information about my/our application for finance. The
information which may be given includes:
Such permitted particulars about me/us which allow me/us to be identified.
The fact that I/we have applied for finance and the amount and type of finance.
The fact that the Credit Provider is a current credit provider to me/us.
That finance provided to me/us by the Credit Provider has been paid or otherwise
discharged.
Payment default information, i.e., payments overdue for more than 60 days in specified circumstances.
Advice about new payment arrangements or that payments are no longer overdue.
In specific circumstances, that in the opinion of the Credit Provider, I/we have
committed a serious credit infringement.
Other credit worthiness information that can be disclosed under the Act.
By virtue of this declaration, I/we understand that Find
That Finance and/or Contractors have informed me/us of the disclosure policy to
a credit reporting body of information about me/us by Approached Credit
Providers and so authorise such disclosures.
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 credit reporting body or other business that provides
information about the commercial credit worthiness of persons.
I/We agree that,
if it is considered relevant in assessing my/our application for commercial
credit, an Approached Credit Provider may obtain from a credit-reporting body a
credit report containing personal credit information about me/us.
I/We agree that
an Approached Credit Provider may give to and seek from any credit provider
information about my/our personal or commercial credit arrangements. I/We
understand that this information can include any information about my/our
credit worthiness, credit standing, credit history or credit capacity that
credit providers can give or receive from each other under the Act.
AUTHORISATION TO ACT ON BEHALF OF INDIVIDUALS
I/We authorise Find That Finance and Contractors to use my/our credit
information and any other information to arrange or provide finance, insurance,
and other services. For the purposes of arranging finance which is the subject
of my/our application, I/we appoint Find That Finance and Contractors as my/our
agent to obtain, on my/our behalf, credit information about my/our consumer and
commercial credit worthiness from a credit reporting body or from a credit
provider named in my/our application or referred to in such credit information.
I/We also authorise Find That Finance and
Contractors to pass on the above-obtained credit information to such Approached
Credit Providers as are appropriate, for their consideration of this
application.
COLLECTION AND MANAGEMENT OF PERSONAL INFORMATION
I/We acknowledge and agree that:
A.
It is necessary for Find
That Finance and Contractors to collect personal information regarding me/us
from both us and other parties, to enable Find That Finance and Contractors 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 Find That
Finance and Contractors 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, Find That Finance, Contractors, Approached
Credit Providers, and Insurers to the degree that each entity considers
reasonable and necessary in consideration and arranging the requested
facilities.
C.
Find That Finance, Contractors, 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.
Find That Finance, Contractors, Approached Credit Providers, and Insurers may exchange information
with the following types of entities, some of which may be located overseas.
Credit providers, service providers and agents, financial consultants, accountants,
lawyers, advisers, industry bodies, tribunals, any person or entity as required
by law, associates, related entities, contractors, referees, any organization
providing online verification of my/our identity.
Find
That Finance may retain the information obtained and, at its discretion,
provide to me/us, from time-to-time information about Find That Finance
products and services. The provision of this information may be by, but not
limited to, mobile phone, telephone, messages, mail, or electronic media (such
as e-mail) and any kind of online communications, provided that these
communications comply with privacy regulations. From time to time, they/we may
use your personal information to provide you with current information about
finance, offers you may find of interest, changes to our organisation, or new
products or services being offered via us or any company with whom we are
associated. This information may be communicated electronically.
IF SUCH
INFORMATION IS NOT REQUIRED THEN I/WE UNDERSTAND THAT THIS PROVISION MAY BE
CANCELLED BY DELETING AND INITIALLING THIS CLAUSE OR BY LATER ADVISING FIND
THAT FINANCE IN WRITING VIA EMAIL (
info@findthatfinance.com.au
<>)
OR POST
(PO BOX 869 Beenleigh Qld 4207).
E.
Find That Finance 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.
F.
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 Find That
Finance or Contractors, provided facilities to me/us then that Credit Provider
or Insurer is authorised to provide information to Find That Finance and
Contractors from time to time relating to the subsequent conduct of the
facility.
G.
I consent to the
receipt of notices and other documents electronically from Find That Finance or
any lender who is approached for finance as per this application.
H.
Your Personal
Information is stored in a manner that reasonably protects it from misuse and
loss and from unauthorized access, modification or disclosure. When your
Personal Information is no longer needed for the purpose for which it was
obtained, we will take reasonable steps to destroy or permanently de-identify
your Personal Information. However, most of the Personal Information is or will
be stored in client files which will be kept by us for a minimum of 7 years.
I.
We will collect and
process personal information in the normal course of business. This personal
information may be collected and processed (but is not limited to) by any of
the following methods.
o
Credit applications
forms
o
Publicly available databases
that hold information
o
Websites that detail
information such as Sensis, Facebook, Google etc.
By verbally asking you
for information as part of normal business practices
o
Electronic contact
details including email, Facebook and Twitter details etc.
o
Next of kin and other
contact information where applicable
J.
We use cookies on our
website. Cookies are small files which are stored on your computer. They are
designed to hold a modest amount of data (including personal information)
specific to a particular client and website and can be accessed either by the
web server or the client's computer. We also use pixels for Tracking website
usage and traffic and IP address, browser and other similar details.
K.
I/We can gain access
to the personal information that Find That Finance’ hold about me/us. A copy of
the Find That Finance’ privacy policy can be obtained by contacting 1300 378 021
or from the website (
Privacy Policy - FindThatFinance)
.
The privacy policy
contains information about how I/we may access or seek correction of the
information held about me/us, how information is managed and the complaints
process.
FACILITIES SOUGHT
Purpose: To arrange Finance and/or Insurance Facilities
EXECUTION
I/We agree and acknowledge the terms of the
document. I/We also warrant that the personal information provided by me/us in
my/our application is true and correct and understand that Find That Finance
and Contractors will be relying on the integrity of same in seeking to arrange
the facilities required.
I confirm I am currently residing in
Australia. I confirm I am either:
1.
an Australian citizen; or 2. an Australian
permanent resident.
