PRIVACY CONSENT - BUDDII FINANCE/VWFS
PRIVACY DISCLOSURE STATEMENT & CONSENT
Overview
Buddii Finance (ABN 56 601 973 835), Australian Credit Licence #484030 (‘we’, ‘us’, ‘our’) collects information about you for the purposes you agree to in this Privacy Disclosure Statement and Consent. When you sign below, you agree we can, consistently with Australia’s privacy and credit reporting laws, collect, use and exchange consumer and/or commercial credit and personal information (‘information’) about you for those purposes.
Privacy Disclosure Statement and Consent
We are collecting information about you, as applicable:
- To source for you, or a company of which you are a director:
- Consumer credit for personal, household, domestic or residential investment purposes;
- Commercial credit for business purposes; or
- Other services stated in this Privacy Disclosure Statement and Consent (Consent); or
- To support a guarantor application, you will provide.
As your broker, we require the information we collect from you to assess your credit, or guarantor, application, or the credit application of a company of which you are a director, source a suitable credit provider and any required insurances and to manage the application process, where required. If you do not provide the information sought, we may be unable to process your application, or the company’s application, or we may be limited in the other services we can offer you or the company.
Your information – Collection and Disclosure
When we collect information from you in the credit or guarantor application process, we use that information in a number of ways to assess your application and, where appropriate, to source a suitable credit provider or lessor and/or insurance provider. We may, as appropriate:
- Disclose your identification information to a consumer credit reporting service (‘Consumer CRS) and/or a commercial credit
- reporting service (‘Commercial CRS’), if you wish us to obtain a report on your behalf;
- Use any information a credit reporting service provides in its report to assist us to preliminarily assess your credit or guarantor application;
- Disclose your information to an insurer or insurers to source any insurances you wish to obtain; and
- Disclose your information to a credit provider or credit providers to apply for finance on your behalf.
The information we obtain from you is used, subject to compliance with Australia’s privacy and credit reporting laws, only for the purposes listed in this Consent and is not disclosed to any other person except with your permission or as permitted, or required, by law.
Insurance
By signing this Privacy Consent you also allow us to introduce insurance and risk products to you , of which you are not compelled to take, but this may reduce the risk of the loan and asset being financed.
Credit Providers
As part of providing our services to you, we may undertake tasks for a credit provider which are reasonably necessary to manage the application process. When doing so, we are acting as agent for the credit provider, with the same privacy law requirements applying to both of us.
We may submit your application to one or more credit providers. Those credit providers and their website addresses are set out in the Credit Provider Schedule.
A credit provider, to whom we submit an application, may disclose information about you to, and collect information about you from, one or more Consumer CRS or Commercial CRS.
The website of each credit provider contains details of each Consumer CRS and Commercial CRS with which it deals and other details about information held about you, including whether that information may be held or disclosed overseas and, if so, in which countries. The websites also describe your key rights. These details may be described on the credit providers’ websites as ‘notifiable matters’, ‘privacy policy’, ‘credit reporting policy’ or ‘privacy disclosure statement and consent’, or similar.
For each Consumer CRS a credit provider uses the website details will include the following specific information:
- That the CRS may include information the credit provider discloses 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 the Service
- How you can obtain the credit provider’s and/or the Service’s policies about managing your information
- Your right to access and/or correct information held about you and to complain about conduct that may breach the privacy and credit reporting laws
- Your right to request a CRS not to undertake pre-screening for purposes of direct marketing by a credit provider
- Your right to request a CRS not to release information about you if you believe you are a victim of fraud
This detail will also be included by the credit provider who approves your application in the privacy disclosure statement and consent document it will provide to you.
Each credit provider website includes information on how to contact it and how to obtain a copy of its privacy documents in a form that suits you (e.g. hardcopy or email).
Your rights
You have the right to ask:
- Us to provide you with all the information we hold about you
- Us to correct the information we hold if it is incorrect
- Us for copies of our privacy policy and this document, in a form that suits you (e.g. hardcopy or email)
- A Consumer CRS not to use your information for direct marketing assessment purposes, including pre-screening
- A credit reporting service to provide you with a copy of any information it holds about you
You can gain access to the information we hold about you by contacting our Privacy Officer at the address above or by telephone on 1300 283 344 or email at [email protected]. In some cases, an administration fee may be charged to cover the cost of providing the information. Our Privacy Policy is available on our website or we will provide you with a copy if you ask us.
The following schedule sets out the contact details for each credit reporting service.
|
Name |
Website |
Telephone |
|
Dun & Bradstreet |
13 23 33 |
|
|
Equifax Australia |
1300 762 207 |
|
|
Experian |
03 8622 1600 |
|
|
Tasmanian Collection Service |
03 6213 5555 |
Disclosure and Consent
By signing below, you agree we may:
- Use your information:
o To assess your consumer or commercial credit and/or guarantee application and/or to assess a credit application by a company of which you are a director
o To source any finances you required
o To source any insurances you require
o As the law authorises or requires;
- Disclose to, and obtain from, any prospective credit provider or insurer, information about you that is reasonably necessary to obtain the finance and insurances you require;
- Obtain from, and disclose to, any third party, information about you, the applicant(s) or guarantor(s) that is reasonably necessary to assist you obtain the finance and insurances required;
- Provide your information, including your credit report(s), to one or more of the credit providers specified in Credit Provider Schedule so they can assess your application, or the application of a company of which you are a director, or your suitability as a guarantor
- Provide information about you to a guarantor, or prospective guarantor;
- Provide you, or the company of which you are a director, with offers or information of other goods or services we, or any of our associated entities, may be able to provide to you or the company, unless you tell us not to;
- Disclose your information to the extent permitted by law to other organisations that provide us with services, such as contractors, agents, printers, mail houses, lawyers, document custodians, securitisers and computer systems consultants or providers, so they can perform those services for us. This includes our overseas service providers; and
- Disclose your information to any other organisation that may wish to acquire, or has acquired, an interest in our business or
- any rights under your contract with us, or the contract with us of a company of which you are a director.
You also agree and consent to, as appropriate:
- A Consumer CRS disclosing information to one or more credit providers specified in Credit Provider Schedule for the purpose of assessing your application for consumer or commercial credit or your guarantor application, and/or assessing a credit application by a company of which you are a director
- When you are a prospective guarantor, a credit provider using that information to assess your suitability as a guarantor
- A credit provider disclosing your information (including information obtained by it from a Consumer CRS) to a guarantor, or a prospective guarantor
- A credit provider disclosing to another credit provider, to your agent, such as us as your broker, or to a servicer, for a particular purpose, information it holds about you
Your agreement and consent to the disclosures and consents in this document will be effective for a period of 12 months, but only in relation to commercial credit.
Your agreement to this ceases when you either withdraw it by contacting us using our details above or 12 months after you sign below, whichever first occurs.
This will allow us to continue to provide our services to you without the need to ask you to sign a new privacy statement and consent each time you require commercial credit within a 12-month period. The extended effectiveness does not apply in relation to consumer credit.
Where the applicant, or guarantor, is a company of which you are a director, you consent to the disclosure and use of your information, in addition to the company’s information, in each of the ways specified in this document.
CREDIT PROVIDER SCHEDULE
|
CREDIT PROVIDER |
ABN or ACN |
WEBSITE ADDRESS |
|
Affordable Car Loans |
23 098 491 484 |
|
|
Allied Credit Pty Ltd |
143 964 667 |
|
|
Angle Finance |
603 303 126 |
|
|
Auzcap Pty Ltd |
28 637 527 498 |
|
|
Australian and New Zealand Banking Group Ltd (ANZ) |
11 005 357 522 |
|
|
Australia Motorcycle and Marine Finance |
85 603 969 875 |
|
|
Australian Premier Finance |
54 104 959 435 |
www.australianpremierfinance.com.au |
|
Automotive Financial Services Pty Limited |
73 003 622 375 |
|
|
Azora Asset Finance Pty Limited |
087 826 159 |
www.azorafinance.com |
|
Bank of Melbourne |
33 007 457 141 |
|
|
Bank of Queensland Limited |
32 009 656 740 |
|
|
Banjo Loans |
601 130 527 |
|
|
Bizcap AU Pty Ltd |
633 927 090 |
|
|
Branded Financial Services |
27 004 013 334 |
|
|
Capital Finance Australia Limited |
23 069 663 136 |
|
|
Car Start Pty Ltd |
47 156 477 413 |
www.carstart.com.au |
|
Commercial Equity Group |
67 009 509 077 |
www.commercialequity.com.au/ |
|
Commonwealth Bank of Australia |
48 123 123 124 |
|
|
Drive Finance |
70 078 429 151 |
www.drivefinance.com.au |
|
Early Pay Ltd |
098 952 277 |
|
|
Evergreen Finance Company Pty Ltd |
35 126 481 865 |
|
|
Finance One |
80 139 719 903 |
|
|
Finance One Commercial Pty Ltd |
18 634 900 548 |
|
|
Firstmac Limited |
094 145 963 |
|
|
Flex Fleet |
51 081 785 711 |
|
|
flexicommercial Pty Ltd |
644 644 860 |
|
|
FundIT Ltd |
601 130 527 |
|
|
GC Leasing Melbourne Pty Ltd t/as Grenke |
75 615 220 196 |
|
|
Get Capital Pty Ltd t/as Shift Finance |
149 390 625 |
|
|
Greenlight Auto Finance |
39 131 507 474 |
|
|
Group & General Finance Pty Ltd |
87 000 937 257 |
www.groupandgeneral.com |
|
Dynamoney |
80 613 082 698 |
|
|
International Acceptance Group |
93 098 034 041 |
www.theiagroup.com.au |
|
Ironcapital Group |
61 623 379 797 |
www.ironcapital.com.au |
|
Judo Bank Pty Ltd |
11 615 995 581 |
www.judo.bank |
|
Latitude Automotive Financial Services |
80 004 187 419 |
|
|
Latitude Personal Finance Pty Ltd |
54 008 443 810 |
|
|
Leasewise |
65 539 741 641 |
|
|
Lumi Finance |
75 627 897 625 |
www.lumi.com.au |
|
Macquarie Leasing Pty LtdFinanc |
46 008 583 542 |
|
|
Miracle Car Finance Pty Ltd |
73 121 367 226 |
|
|
Medfin Australia Pty Ltd |
89 070 811 148 |
www.medfin.com.au |
|
Metro Finance Pty Ltd |
44 600 674 093 |
|
|
MoneyMe Financial Group Pty Ltd t/as Auto Pay |
40 163 691 236 |
|
|
Money Place Assets Pty Ltd |
64 601 045 578 |
|
|
Money 3 Loans Pty Ltd |
108 979 406 |
|
|
Morris Finance Ltd |
70 083 630 139 |
www.morrisfinance.com.au |
|
Moula |
95 164 875 325 |
www.moula.com.au |
|
Multipli |
12 130 240 443 |
|
|
National Australia Bank Ltd |
12 004 044 937 |
|
|
On Deck Capital Australia Pty Ltd |
603 753 215 |
|
|
Orix |
79 002 992 681 |
|
|
Pepper Money |
55 094 317 665 |
|
|
Plenti RE Limited |
571 666 466 35 |
|
|
Prospa |
47 154 775 667 |
|
|
Quest Finance Australia Pty Ltdf |
17 625 126 641 |
https://quest.finance/ |
|
R.A.C.V Finance Limited |
82 004 292 291 |
|
|
Rapid Loans Pty Ltd |
54 103 660 546 |
|
|
Resimac Asset Finance Pty Limited |
93 098 034 041 |
|
|
Rentfleet Operations Pty Ltd |
45 637 141 998 |
www.rentfleet.com.au |
|
Scottish Pacific Business Finance Pty Ltd |
79 008 636 388 |
|
|
Secure Funding Pty Ltd (Liberty) |
25 081 982 872 |
|
|
Selfco Leasing |
099 591 616 |
|
|
Silver Chef Rentals Pty Ltd |
33 112 241 522 |
|
|
Society One |
151 627 977 |
|
|
St George Bank |
33 007 457 141 |
|
|
Swoosh Finance (Ausfinancial Pty Ltd) |
67 118 176 631 |
|
|
Thorn Business Finance |
63 008 454 439 |
|
|
Thornmoney Pty Ltd |
648 650 711 |
|
|
TL Rentals Pty Ltd |
071 702 264 |
|
|
Trailblazer Finance |
44 624 745 759 |
www. trailblazerfinance.com.au |
|
True Pillars |
603 933 508 |
|
|
UME Loans |
25 138 637 064 |
www.umeloans.com.au |
|
United Loan Solutions Pty Ltd t/as Gedda Money |
611 343 572 |
|
|
Vestone Capital Pty Ltd |
44 112 079 268 |
https://vestonecapital.com/ |
|
Westpac Banking Corporation |
33 007 457 141 |
|
|
Wingate Consumer Finance (Now Finance) |
158 703 612 |
|
|
VW Financial Services Pty Ltd |
20 097 071 460 |
|
|
Wisr Finance Pty Ltd |
119 503 221 |
CONSENT TO RECEIVE DOCUMENTS ELECTRONICALLY
By signing this document and giving us an electronic address, I/we also consent to FME sending documents (including loan documentation) and communicating by electronic means (includes email) in relation to the application and any associated documents.
You should regularly check your electronic communications to determine that communications have been received. We will advise when we have sent communications to you.
Authorisation
By signing this document, you authorise us to make a request on your behalf to obtain information about you from one or more credit reporting service(s) and credit provider(s). That information will assist us in providing our services to you.
