Overview

Privacy Disclosure Statement and Consent

• 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

Your information – Collection and Credit Reporting Body (‘CRB’) Disclosures

• Disclose your identification information to a CRB if you wish us to obtain a report on your behalf;
• Use any information the CRB provides in that report to assist us to preliminarily assess your consumer credit or guarantor application
• Disclose your personal information to an insurer or insurers to source any insurances you wish to obtain
• Disclose your credit information to a credit provider or credit providers to apply for finance on your behalf.

Credit Providers

• That the CRB 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 a CRB
• How you can obtain the credit provider’s and/or CRB’s policies about managing your credit 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 CRB not to undertake pre- screening for purposes of direct marketing by a credit provider
• Your right to request a CRB not to release information about you if you believe you are a victim of fraud.

Your rights

• 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

Disclosure and Consent

• 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

• 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

• 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

Authorisation

SCHEDULE OF CREDIT PROVIDERS