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, 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.
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
sending information about products or services that may be relevant 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
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.
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.
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 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
You may also ask us for a copy of this Privacy Policy in a form that suits you where reasonably available.
Direct Marketing
We may use your personal information to provide you with information about products or services that may be relevant to you, where permitted by law.
You can opt out of receiving marketing communications at any time by contacting us or using the unsubscribe option included in the 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.
Complaints
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.
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
Phone: 1800 931 678
Website: www.afca.org.au
AFCA Member Number: 117282
You may also contact the Office of the Australian Information Commissioner where appropriate.
Contact Us
Privacy Officer
Get A Loan Finance Pty Ltd
Notting Hill VIC 3168
Email: hello@getaloan.com.au
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.
