This statement explains how we, Punjab Loans PL ATF Singh and Kaur Family Trust T/as Loan Centre – QED, ABN 80 692 718 832, Australian Credit Licence 87856 (‘we‘, ‘us‘, ‘our‘) collect, use and disclose personal information. It applies to persons who apply to for the credit assistance services we provide. When you sign below, you agree we can collect, hold, use and exchange personal information about you for these purposes. Your personal information will not be disclosed other than as set out in this Consent, unless we have your permission or we are permitted or required to do so by law.
What is Personal Information?
‘Personal Information’ is information or an opinion about an identifiable person or a person who is reasonably identifiable. Common examples are an individual’s name, signature, address, telephone number, date of birth and bank account details. The Personal Information we may collect includes your personal information, contact information and credit information such as your credit history (including information about your past experiences with us and credit providers, the kinds of credit products you have had or sought, how you have managed your obligations, information contained in a credit report about you, and information about your credit worthiness based on a credit report about you.
Collection of Personal Information
We collect personal information from a variety of sources. We collect personal information from you when we provide our services to you.
Collection from other sources
You authorise us, and or our Financier partners to make a request on your behalf to access credit reporting information and credit eligibility information held by a credit reporting body.
Our current Credit Reporting Body (‘CRB‘) is Equifax and you can contact them by telephone on 1300 762 207 or email at subscriberassist.au@equifax.com
We may also collect Personal Information about you from your employers, landlords or other relevant bodies such as finance companies and banks.
Collection of Personal Information about others
If you provide information to us about third parties, such as any guarantors or family members, you agree to notify them of that fact and the information in this Privacy Statement and Consent Form.
Collection under the law
We are also required by the National Consumer Credit Protection Act 2009 to collect personal information about you to learn about and verify your financial situation. For those purposes, we may disclose personal information to a CRB.
Purposes for which we collect information
We collect, hold and use Personal Information to:
- assess and verify your identity and your financial situation;
- assess the suitability of any person as a guarantor;
- provide Personal Information about you to a guarantor / applicant, or prospective guarantor / applicant;
- exchange your Personal Information with a CRB on your behalf;
- disclose your Personal Information to one or more credit provider(s) set out in the Schedule to arrange consumer credit or commercial credit;
- disclose your Personal Information to an insurer(s) to arrange any insurance you wish to obtain; and
- obtain from, and disclose to, another third party such as your employer, information about you that is reasonably necessary to arrange for finance and / or insurance.
If we cannot collect and use your Personal Information, or are unable to verify your identity, we may be unable to process the credit application.
Disclosure of your Personal Information
We may disclose and exchange your Personal Information with credit providers, potential credit providers and the issuers of any insurance products who are the subject of an application. We may also disclose personal information to others to verify that it is correct (for example an employer), our related bodies corporate, assignees, agents, contractors and external advisers; organisations for verifying your identity; your agents, advisers, guardians or attorneys; law enforcement, regulatory and government bodies; anyone who introduces you to us; any person we consider necessary to execute your instructions; guarantors and persons with whom you make a joint application; any financial institution to or from which a payment is made in relation to your application; and debt collection agencies.
We will not disclose your Personal Information, including your credit information, to overseas recipients.
Your right to access and correct your Personal Information
Our Privacy Policy contains information about your rights to access your Personal Information and seek correction of such information. Our Privacy Policy also contains information about how you may complain about a breach of the Australian Privacy Principles. To access and seek correction of your Personal Information, or make a complaint about privacy, you can contact us at:
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Phone: |
1300 817 662 |
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Email: |
admin@pursuitbroker.com.au ‘ |
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Mail: |
QED Credit Services Pty Ltd 31 Ardentallen Road Enoggera QLD 4051 |
Marketing
We, our related companies and our selected business partners would like to provide you, or the company of which you are a director, with direct marketing information about the products and services we believe you will be interested in. You can opt-out of receiving direct marketing communications from us at any time.
[ ] If you do not want to receive marketing
information from us please tick this box.
Electronic communications
If you provide us with an email address or mobile phone number, you consent to us using these electronic addresses to send you all communications which can be lawfully provided electronically. Electronic addresses must be regularly checked for notices or other communications from us. You also consent to us using these details to send, or make available to you to access, notices and documents – for example, a credit guide from credit provider(s) or a financial services guide and product disclosure statement from any insurer. You are responsible for ensuring that you maintain the appropriate software and hardware, to access, view, retrieve, print and save a copy of such documents.
We will no longer provide you with a hard-copy (i.e. electronic documents in paper form) unless we are legally obliged to do so. You must ensure that your email does not block our notices and communications. You must also ensure that your email address or mobile phone number remains current and we rely on you to notify us of any changes in those contact details. You should nominate an email address or mobile phone number which is only accessible by you, rather than, for example, one which is accessible by your work colleagues or family members. Your consent to electronic communication may be withdrawn at any time by notifying us via phone on 0401 334 456.