Get A Loan Finance Pty Ltd (ABN 99 689 784 174 | ACN 689 784 174) trading as Get A Loan Finance and getaloan.com.au is committed to protecting your privacy and handling your personal information in accordance with Australian privacy and credit reporting laws.
We are an Authorised Credit Representative (ACR 571713) of AFAS Group Pty Ltd (ABN 12 134 138 686), holder of Australian Credit Licence 414426.
This Privacy Policy explains how we collect, use, hold, disclose and protect your personal information and credit-related information, how you may access or correct that information, and how you may make a complaint.
Introduction
We comply with the Privacy Act 1988 (Cth), the Australian Privacy Principles, and applicable laws relating to credit reporting and the provision of credit assistance.
As a credit broker, we collect, use and disclose personal information and credit-related information so we can:
- assess your enquiry or application
- source suitable credit providers or insurers
- manage the application process
- provide related services connected with your finance enquiry or application
If you do not provide the information we request, we may be unable to process your enquiry or application, or may be limited in the services we can provide.
Privacy Policy and Privacy Disclosure Statement and Consent
This Privacy Policy is the general statement of how we handle personal information across our business and website.
Separately, when we are likely to provide you with credit assistance, we will give you a Privacy Disclosure Statement and Consent (PDS&C). This is a specific consent document that sets out exactly what you authorise us to do with your information, including disclosure to credit providers, credit reporting bodies and other parties involved in your loan application. You will be asked to acknowledge and sign the PDS&C before we proceed.
You can request a copy of our current PDS&C at any time by contacting us using the details at the bottom of this page.
What Information We May Collect
Depending on the nature of your enquiry, application or dealings with us, we may collect personal information and credit-related information including:
- your full name, date of birth and contact details
- residential and postal address
- identification information
- employment, income and expense details
- details of your assets and liabilities
- banking and financial information
- loan or credit application details
- information about your financial circumstances and requirements
- repayment history and other credit-related information
- details relating to directors, guarantors or related entities where relevant
- website usage data such as IP address, browser type, cookies and analytics data
How We Collect Your Information
We may collect information directly from you when you:
- submit an enquiry or application through our website
- complete an online form
- speak with us by phone
- provide documents to us by email or other channels
- communicate with us by SMS, email or other means
We may also collect information from third parties where reasonably necessary, including from:
- credit reporting bodies
- lenders, lessors and credit providers
- insurers
- accountants and employers
- guarantors or proposed guarantors
- service providers and contractors
- government or regulatory sources where permitted by law
Why We Collect, Use and Hold Your Information
We may collect, hold, use and disclose your information for purposes including:
- verifying your identity
- making reasonable enquiries about your requirements, objectives and financial situation
- assessing whether a credit contract may be suitable for you
- sourcing and arranging finance
- sourcing insurance where relevant
- assisting you to prepare and submit an application
- liaising with lenders, insurers and other parties during the application process
- managing and administering our relationship with you
- responding to enquiries and complaints
- complying with our legal and regulatory obligations
- preventing fraud and managing risk
- providing you with offers or information about other goods or services we, or any of our associated entities, may be able to provide to you, where permitted by law
Disclosure of Your Information
We may disclose your information to third parties where reasonably necessary for the purposes described in this policy, including to:
- lenders, lessors and credit providers on our panel
- insurers
- credit reporting bodies
- guarantors or prospective guarantors
- employers, accountants and other verifying parties
- service providers, contractors, agents and advisers
- legal, compliance and technology providers
- regulators, courts, tribunals and government authorities where required or authorised by law
- any person or entity considering acquiring an interest in our business or rights relating to services provided to you
As part of our broking services, we may submit your application to one or more credit providers on our panel.
Schedule of Credit Providers
When you consent to us providing credit assistance, you are authorising us to disclose your information to credit providers on our panel for the purpose of assessing your application. The current list of credit providers we may submit your application to is set out below.
The website of each credit provider contains details of the credit reporting bodies that credit provider deals with, the information held about you, and the rights you have. This Schedule may be updated from time to time as our panel changes.
Credit Reporting and Credit-Related Information
If you apply for credit or ask us to assist you in relation to credit, we may:
- obtain your consent to request credit reporting information on your behalf
- disclose your identification information to a credit reporting body
- obtain and use information from a credit reporting body to preliminarily assess your application
- disclose your credit-related information to a credit provider, insurer or other relevant party as part of the application process
A credit provider to whom we submit an application may also disclose information about you to, and collect information about you from, one or more credit reporting bodies.
Notifiable Matters and Credit Provider Privacy Documents
Each credit provider on our panel maintains its own privacy and credit reporting policy. These policies are often described as “notifiable matters”, “privacy policy”, “credit reporting policy” or “privacy disclosure statement and consent” on the credit provider’s website.
Among other things, those policies will explain:
- that the credit reporting body may include information disclosed 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 credit reporting body
- how you can obtain the credit provider’s or credit reporting body’s policies about managing your credit information
- your right to access and correct information held about you, and to complain about conduct that may breach privacy and credit reporting laws
- your right to request a credit reporting body not to use your information for direct marketing pre-screening
- your right to request a credit reporting body not to release information about you if you believe you are a victim of fraud
Once a credit provider approves your application, this detail will also be included in the privacy disclosure statement and consent document that credit provider provides to you directly.
The website address for each credit provider on our panel is listed in the Schedule of Credit Providers above.
Your Rights in Relation to Credit Information
You have rights under Australian privacy and credit reporting laws, including the right to:
- request access to information we hold about you
- request correction of inaccurate, incomplete or out-of-date information
- request a copy of our Privacy Policy or Privacy Disclosure Statement and Consent in a form that suits you
- request that a credit reporting body does not use your information for direct marketing pre-screening
- request that a credit reporting body does not release your information if you believe you are a victim of fraud
Direct Marketing
We may use your personal information to provide you with offers or information about other goods or services we, or any of our associated entities, may be able to provide to you, where permitted by law.
You can opt out of receiving marketing communications at any time by:
- contacting us using the details at the bottom of this page, or
- using the unsubscribe option included in any marketing communication
Even if you opt out of marketing communications, we may still contact you in relation to your enquiry, application, account, legal obligations or other service-related matters.
Cookies and Website Analytics
Our website may use cookies, analytics tools and similar technologies to improve website functionality, user experience and performance.
These technologies may collect information such as browser type, device information, pages visited and time spent on our site.
You can adjust your browser settings to disable cookies, although some website features may not function properly if you do so.
Overseas Disclosure
In some circumstances, we may disclose personal information to overseas service providers where offshore technology, support, processing or administration services are used.
Where this occurs, we take reasonable steps to ensure your information is handled in a manner consistent with Australian privacy law.
Storage and Security
We take reasonable steps to protect the information we hold from misuse, interference, loss, unauthorised access, modification or disclosure.
These steps may include:
- secure systems and hosting environments
- access controls
- password protection
- staff training
- secure third-party service providers
- document and data handling procedures
If an eligible data breach occurs, we will respond in accordance with our legal obligations.
Access and Correction
You may request access to the personal information or credit-related information we hold about you. You may also ask us to correct information that is inaccurate, incomplete or out of date.
To make a request, please contact our Privacy Officer using the details below. In some cases an administration fee may apply to cover the cost of providing the information.
Complaints
Internal Dispute Resolution
If you have a complaint about how we handle your personal information or credit-related information, please contact us first so we can try to resolve the matter promptly and fairly.
External Dispute Resolution
If we cannot resolve your complaint to your satisfaction, or you have not received a response from us within 45 days, you may lodge a complaint with the Australian Financial Complaints Authority (AFCA).
Australian Financial Complaints Authority (AFCA)
Phone: 1800 931 678
Website: www.afca.org.au
AFCA Member Number: 117282
You may also contact the Office of the Australian Information Commissioner at www.oaic.gov.au where appropriate.
Contact Us
Privacy Officer
Get A Loan Finance Pty Ltd
Notting Hill VIC 3168
Email: hello@getaloan.com.au
Phone: 03 4332 5626
Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our business, services, legal obligations or privacy practices. The latest version of this Privacy Policy will always be published on our website.
