Terms & Conditions

Privacy Disclosure Statement & Consent

Overview

Credit One Equipment Finance Pty. Ltd., ACN 135 940 813, trading as Credit One and Approved Car Loans, (‘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 credit and personal information about you for those purposes.

Privacy Disclosure Statement and Consent

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.

We also use the information we collect to:

  • manage your application if applicable
  • develop new products, policies and procedures
  • undertake market research
  • obtain legal and compliance advice about our obligations
  • meet our regulatory and legal obligations

The information we collect may include personal contact details depending on the relationship you wish to have with us.  If you choose not to provide this information, our ability to assist you may be restricted.

Wherever possible, we will collect your information directly from you should you wish us to source finance and insurances for you.  We may obtain personal information about you from a third party, such as your accountant or a credit reporting body, where authorised. Wherever possible we will tell you who we need to contact and why.

We may also collect information from you if you choose to use our website to communicate with us.  We will collect the information you provide through our interactive facilities, such as customer enquiry, online finance application or comment forms.

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)
  • The CRB not to use your information for direct marketing assessment purposes, including pre- screening
  • The CRB to provide you with a copy of the 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 07 3103 9401 or email at info@creditone.com.au. 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 at www.creditone.com.au or we will provide you with a copy if you ask us.

You can contact the CRB (Veda Information Services & Solutions Ltd) by telephone on 1300 850 211 or email at membership.query@veda.com.au.

Disclosure and Consent

You agree we may:

  • Use your personal and credit information:
    • 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
    • To source any finances you required
    • To source any insurances you require
    • 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 the Schedule of Credit Providers below 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 credit 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 personal and credit 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 in New Zealand, Philippines, India, Singapore and the United States of America; and
  • Disclose your personal 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 CRB disclosing consumer credit information to one or more credit providers specified in the Schedule of Credit Providers below 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 credit information (including information obtained by it from a CRB) to a guarantor, or a prospective guarantor
  • A credit provider disclosing to another credit provider, for a particular purpose, information it holds about you

Where the applicant, or guarantor, is a company of which you are a director, you consent to the use of your information, in addition to the company’s information, in each of the ways listed above.

Authorisation

By ticking the box, you agree to be bound by the terms & conditions and privacy policy outlined in this document.

Email Communication Consent

Important information about rights

You can consent to email communications between us. If you do, we will email you notices, statements and other documents, including NCCP disclosure documents including the Credit Guide and Credit Quote rather than post them to you. If you do consent:

  • We may no longer post documents to you.
  • You should regularly check your emails for documents we send you.
  • Where possible, we will use email to respond to emails you send us or to provide you with other information you may require.
  • You can withdraw your consent to email communication between us at any time.

Email consent

By providing us with your name and an email address, you consent to email communication between us and to us sending you notices, statements and other documents by email.

If you leave the email address blank, we will send you notices by post and communicate with you in other ways, such as by phone or in person.

Website information collection

When you visit our website, our ISP host records a range of information, including your server address, domain name, the date and time of the visit and the pages viewed. This information may be collected by using cookies which is data sent to your web browser.  This allows our site to interact more efficiently with your computer.

If you disable the use of cookies, your use of our site may be affected. Information collected about your visit to our site is retained for statistical and website development reasons and is not in a form which would enable us to identify you.

When visiting our site, you will not be required to provide us with any personal information unless you request information about our services or respond to a promotion. If you do, we will ask you to provide contact details along with other information required to respond to your contact with us.

We may also retain that information provided for planning purposes.  It may also be used for direct marketing purposes unless you tell us you do not wish to receive marketing material.

Complaints and concerns

Please contact us if you have any complaints or queries about how we manage your information or you no longer wish to receive marketing materials.  You can contact us by mail, phone or email, as listed in (6) below.

If you lodge a complaint, our Internal Dispute Resolution officer will investigate your complaint.  We will commence the investigation within 2 days and provide you with a response within 14 days.  We will seek your agreement to a longer time if it is needed.  We will keep you informed of the investigation process by phone or email at least once a week and provide you with a written response to your complaint within 30 days. 

If you do not accept our response, you may take the compliant to our External Dispute Resolution Scheme.  Financial Ombudsman Service (FOS) contact details are:                          

Financial Ombudsman Service Limited

GPO Box 3 Melbourne VIC 3001

Phone:  1300 78 08 08
Fax: 03 9613 6399
Email: info@fos.org.au
Website: www.fos.org.au

Obtaining our privacy policy

This privacy policy may change over time.  You can obtain the current version from our website or by contacting us by any of the contact methods below.

Email: info@creditone.com.au
Address: P.O. Box 4836 Eight Mile Plains Q 4113
Phone: 07 31039401
Website: www.creditone.com.au