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PRIVACY DISCLOSURE STATEMENT

CarLoans.com.au Pty Ltd ACN 161 036 228, ('we', 'us', 'our') collects information about you for the purposes set out in this privacy disclosure statement.

Providing information about another person

When you give us personal information about another person you represent that you are authorised to do so and agree to inform the person that we have collected their information as part of this application and of the contents of this Privacy Statement and Consent.

Purposes for collecting personal information

We collect your personal information to assess and process an application for credit and to submit that application to one or more of the credit providers set out in the Schedule at the end of this document. Where you wish for us to arrange for insurance on your behalf, or where the credit provider requires you to obtain insurance, we may also submit your application to one or more insurers.

If you or a co-borrower applies for hardship relief in relation to a loan, we may collect sensitive information about you that relates to that hardship application (such as information about your health or your criminal record, if the hardship arises because you are incarcerated).

An insurer may collect your sensitive health information when determining whether or not to provide you with insurance.

We, and the credit provider(s) and/or insurer(s) we submit your application to, may also collect your personal information (including, where permitted by law, your credit-related personal information) for the following purposes:

If you do not provide this personal information, we, the credit provider or (if relevant) the insurer may be unable to provide you with credit and/or services. The collection of your personal information may be required by the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and National Consumer Credit Protection Act 2009 (Cth).

Personal information about you may also be exchanged with credit reporting bodies (CRBs). CRBs may include information about you in reports provided to credit providers and agents of credit providers (which can include us) to assist in assessing your credit worthiness.

Persons with whom personal information is exchanged

We may exchange your personal information with credit providers and (if relevant), insurers.
We, and the credit provider(s) and/or insurer(s) to whom we submit your application, may also exchange your personal information (including, where permitted by law, your credit-related personal information) to:

We may exchange your personal information with other credit providers (including information derived from a CRB) for the following purposes (as applicable):

If you fail to meet your payment obligations in relation to credit that has been provided or if you commit a serious credit infringement, we or the credit provider may be entitled to disclose this to a CRB.

We, and the credit provider(s) and/or insurer(s) to whom we submit your application, may disclose your personal information (including, where permitted by law, credit-related personal information) to overseas recipients in order to provide services and products and for administrative, data storage or other business management purposes. It is not practicable to list all of the countries to which your information may be transmitted from time to time, however your personal information (including credit-related personal information) may be transmitted between Australian and New Zealand, and it is likely that other such countries will include the Philippines, United States, Japan, Singapore and Hong Kong.

Management of credit-related personal information and CRBs

Our Privacy Policy which sets out information about the management of personal information (including credit-related personal information) can be found on our website.

Our website, and the websites of each credit provider (set out in the Schedule) may contain certain information that we and the credit providers may be required to give you (otherwise known as the 'notifiable matters') this includes:

  1. information on the credit provider’s policy about the management of personal information (including credit-related personal information); and
  2. details of each CRB with which it deals.

The credit reporting body we use is Equifax. You can download a copy of their privacy policy at https://www.equifax.com.au/privacy (Australia) or https://www.equifax.co.nz/privacy (New Zealand).
You may obtain these CRBs’ policies about the management of credit-related personal information by contacting them on the above details.
You have a right to request a CRB not to use your personal information for:

Some financiers or insurers may choose to provide you with additional information about how they handle your personal information.

Your rights

You have rights to request access and corrections to, personal information (including credit-related personal information) from credit providers, insurers and CRBs, and to make a complaint about breaches of privacy law. The privacy policies of the credit provider(s) and (if relevant) the insurer(s), will set how to make a request or complaint and how such requests or complaints are handled. This information is contained in our Privacy Policy.

To gain access to, seek correction of, or to complain about the handling of the personal information about you that we hold, contact our Privacy Officer at Privacy Officer, CLFC Group, GPO Box 7001 Brisbane QLD 4000 or email the CLFC Privacy Officer at: customerrelations@carloans.com.au  

Where an organisation's policy about that organisation's management of your personal information is made available online, you generally have a right to request that policy in an alternative form (for example, as a hard copy).

Consent to the handling of your personal information

By accepting the terms of this privacy statement, you:

Credit Provider Website Privacy Policy
Finance 1 https://financeone.com.au/ https://financeone.com.au/legal/privacy-statement
Firstmac https://www.firstmac.com.au https://www.firstmac.com.au/privacy-policy
Green Light Auto https://greenlightauto.finance/ https://greenlightauto.finance/legal/privacy-policy/
Liberty https://www.liberty.com.au/ https://www.liberty.com.au/disclosures/privacy-policy
Macquarie https://www.macquarie.com/au/en.html https://www.macquarie.com/au/en/disclosures/privacy-and-cookies.html
NFC https://www.natfin.com.au/ https://www.mmsg.com.au/wp-content/uploads/2017/08/privacy-policy-mmsg-november-2015.pdf
Pepper https://www.pepper.com.au/lending https://www.pepper.com.au/privacy-policy

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