Privacy Policy - Payment Plans
Privacy Act 1988 (Cth) And all related rules and regulations
(“the Act”)
To: CLAREMONT FINANCE CORPORATION
(AUSTRALASIA) PTY LTD ABN 32 101 520 352 and any
disclosed or undisclosed principal on whose behalf it may
act as agent (“You” or “Your”)
I acknowledge that the information and notifications below are
provided on Your behalf. You may collect, hold, use and
disclose personal information about me (including information
required to comply with Anti-Money Laundering and Counter
Terrorism Financing Act 2006, rules and other subordinate
instruments, the National Consumer Credit Protection Act 2009
and the Personal Property Securities Act 2009) to enable You
to: assess my personal and/or commercial credit worthiness;
process my application; provide, administer and manage the
products and services provided to me; audit and evaluate those
products and services; notify a credit reporting body or other
credit providers of my payment history or any default by me;
model and test data; communicate with me; improve and
develop products and services; conduct credit scoring,
securitisation, research, risk management and portfolio analysis;
provide and administer any related rewards program and deal
with any complaints or enquiries. I acknowledge that if I fail to
provide complete information or information that is inaccurate,
You may not be able to process or accept the application and
transactions may be delayed, blocked or refused.
Authority for You to obtain certain credit information: I
authorise You, Your agents and third parties who referred me to
You to seek, obtain and use, credit reporting information about
me (including from credit reporting bodies (“CRBs”)) to: assess
an application by me for consumer credit or commercial credit;
manage my credit and related funding arrangements; assess an
application by me to be a guarantor in relation to credit; review
my credit on a periodic basis as though assessing a new
application; collect overdue payments; and create assessments
and ratings of my credit worthiness.
Authority to exchange Information with credit reporting
bodies: I authorise You and Your agents to obtain credit
reporting information about me from a CRB or other business
that provides information about credit worthiness. The CRB
may include that information in reports that it provides to other
credit providers to assist them to assess my credit worthiness.
I allow such an entity to create or maintain credit information
about me (before, during or after the provision of credit to me).
The information may include: permitted identification particulars;
the fact that I have applied for credit and the amount and type of
credit; the fact that You are a credit provider to me; credit limit;
loan start/end dates; repayment history; ‘default information’ (in
addition to and without limiting repayment history information),
i.e. payments overdue for more than 60 days in specified
circumstances; in relation to those overdue payments, advice
about new payment arrangements or that those payments are
no longer overdue; in specified circumstances that in Your
opinion there has been a serious credit infringement (e.g. fraud);
and other credit worthiness information that can be disclosed
under the Privacy Act.
I have the right to request You advise me which CRB you have
received credit reporting information from about me, and if I
make such a request, You will provide me with the contact details
of the CRB. I have the right to contact a CRB and request that it:
not use my credit reporting information for pre-screening for
direct marketing offers by a credit provider; and not use or
disclose my credit reporting information if I believe on
reasonable grounds that I have been, or am likely to be, the
victim of fraud.
Authority to exchange information with other credit
providers: I authorise You to give to and obtain from Your
agents (as defined in the Act) and any credit providers
information about my credit worthiness, credit standing, credit
history or credit capacity, and to give and receive a banker’s
opinion for purposes connected with my creditworthiness,
business, trade or profession. The information may be
exchanged for, but not limited to, any of the following purposes:
to assess an application by me for credit or to be a guarantor,
to determine or confirm the status of my credit including any
defaults; to assess my creditworthiness at any time during or
after the life of a credit arrangement; to give or obtain an opinion
on me; and any other purpose permitted by law.
Authority to exchange information with other third parties:
You may exchange my personal information with other related
companies; any suppliers or dealers of items the subject of my
application; persons with whom You have white label
arrangements (e.g. to sell products under another brand);
introducers, referrers and any other person associated with the
lodgement of this application; funders and related service
providers that assist in the processing of my application and the
management of my credit; as well as with service providers
including those relating to any associate rewards program and
the types of service providers described in Your Privacy Policy.
Other authorised disclosures include to my referees, my past
and present employers, my past and present landlords, my next
of kin, any person acting on my behalf, (e.g. financial adviser,
solicitor, broker, accountant, executor, administrator, trustee or
guardian), rating agencies, insurers, entity concerned with the
supply or manufacture of assets to me/applicant, valuers and
debt collection agencies. You may also disclose personal
information to regulatory authorities (e.g. tax authorities in
Australia and overseas) in connection with their lawful
information requests or to meet legal obligations in any relevant
jurisdiction.
Authority to exchange sensitive information: In some cases,
sensitive information may be collected for specific purposes (for
example, information regarding my health to enable the
assessment of a hardship relief application). The references in
this Privacy Statement to personal information include sensitive
information such as my medical and health related details, and I
agree that You may exchange such information with other
parties listed in this Privacy Statement for the purpose of
assessing or processing such applications and may seek further
information from any medical attendant consulted by me.
Authority to give information to guarantors: I authorise You
to give to any person who guarantees or indemnifies, or is to
guarantee or indemnify, my obligations (“Guarantor”) information
about my credit worthiness, credit standing, credit history or
credit capacity for the purpose of determining if that person
wishes to act as a Guarantor and keeping the Guarantor
informed of the guarantee or indemnity, and for any purposes
related to the proposed or actual enforcement of the guarantee
or indemnity.
Authority to obtain information about guarantors: (This
section addresses additional matters relevant if I am a
Guarantor) I authorise and consent to You or Your agents
collecting personal information about me and obtaining both my
personal and commercial credit reports from a CRB, to assess
my capacity as a guarantor. If I am accepted as a guarantor You
may disclose my personal information to external agents,
professional advisers and service providers, for the purpose of
managing the account and contacting me in relation to the
guarantee or indemnity provided. I also authorise You and Your
agents to provide to the person/s in respect of whom I am
Guarantor personal information about my credit worthiness,
credit standing, credit history or credit capacity for any purposes
related to the product or any proposed or actual enforcement of
the product, guarantee or indemnity. I acknowledge and agree
that if You provide the product, this authority remains in force
until the credit under the product is fully and finally settled and
discharged.
Authority to use information for administration processes: I
authorise You to use any information collected in this application
and in subsequent administration processes for future
applications I may wish to make for other products and/or
services and related services, and to disclose this information to
Your related bodies corporate for similar use. Information
collected for this purpose will only be used to the extent
permitted at law.
Authority to provide information for funding purposes: I
authorise You to disclose any personal information about me to
another person (including without limitation, any trustee,
servicer, credit enhancer, funder, ratings agency) in connection
with any funding of our business or any transactions including by
means of an arrangement involving securitisation.
General Privacy Matters: I acknowledge that You collect
personal information through interactions with me and my
agent(s) (including telephone, email or online), as well as from
public sources and third parties including information brokers
and service providers. Without this information, You may not be
able to process my application or provide me with an appropriate
level of service.
I consent and agree that: (a) You may give me notices or
documents by electronic communication, including by sending
the notice or document to the email address provided with my
application or the last email address I have otherwise notified;
(b) if a notice or document is so given, it will be taken to be given
at the time when the notice or document has entered my
information system; (c) where a notice or document requires
acceptance of the information contained therein, such an
intention can be met electronically with the utilisation of an
electronic signature; (d) paper notices and documents may no
longer be given to me; (e) electronic communications should be
regularly checked for notices and documents; and (f) my consent
to the giving of notices and documents by electronic
communication may be withdrawn by me at any time.
I acknowledge that where I have provided You with personal
information about someone else that I have obtained their
consent to provide their personal information based on this
Privacy Consent.
I acknowledge that the third parties with whom You exchange
personal information whilst conducting ordinary business
activities, may operate outside of Australia (this includes the
United States; United Kingdom; Philippines; Malaysia; India and
other countries specified in the available Privacy Policy). I
understand and agree that while the third parties may be subject
to confidentiality or privacy obligations, in relation to personal
information that is not ‘credit eligibility information’ (certain
personal information from (or based on information from) credit
reporting bodies) they may not always follow the particular
requirements of Australian privacy laws.
You, Your related companies and any third parties involved in
the introduction or referral of this application (including any
dealers or suppliers of items the subject of my application) or
with whom You have white label arrangements may exchange
and use my personal information to contact me on an ongoing
basis by telephone, electronic communications (like email),
online and other means to offer products or services that may be
of interest to me, including offers of banking, financial, advisory,
investment, insurance and funds management services, and
assets suited to leasing or finance (including vehicles, medical
equipment, computers, office equipment, machinery and
manufacturing equipment).
In accordance with the Privacy Act, requests for access to and
correction of personal information can be made using the contact
details below:
Addressee: Privacy Officer
Postal Address: PO Box 7389
St Kilda Road, Melbourne Vic. 3004
Phone: 03 9863 2700
Fax: 03 9863 2799
I have the right to make a complaint to You if I consider that
You have committed a breach of the Privacy Act 1988 (Cth) in
relation to my personal information.
By requesting a copy of Your Privacy policies and (where
applicable) credit reporting policies, further information can be
obtained regarding the handling of personal information,
access or correction of personal information, how privacy
concerns are dealt with, website privacy, the credit reporting
bodies used and how to obtain free copies of your credit
reporting information from those bodies. A Privacy Officer can
be contacted on Tel. 03 9863 2700