Privacy policy

PRIVACY DISCLOSURE STATEMENT & CONSENT

Financing a new vehicle can feel overwhelming, especially with so many loan types, rates, and providers to compare. The good news is, with the right knowledge and guidance, securing finance doesn’t have to be complicated.

Overview

Nationwide Finance and Leasing Pty Ltd, A C N 100 633 047, Unit 2, 105‐111 Ricketts Road, Mount Waverley Vic 3149, (‘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

We are collecting credit and personal information (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 Credit Reporting Body (‘CRB’) Disclosures

When we collect information from you in the credit application process, we use that information in a number of ways to assess your credit application and to source a suitable credit provider or lessor and/or insurance provider. We may:

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 guarantorapplication
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

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.

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 Schedule at the end of this document.

A credit provider, to whom we submit an application, may disclose information about you to, and collect information about you from, from one or more CRBs.

The website of each credit provider contains details of each CRB with which it deals and other detail about information held about you and describes your key rights. This detail may be described on the credit providers’ websites as ‘notifiable matters’, ‘privacy policy’, ‘credit reporting policy’ or ‘privacy disclosure statement and consent’, and includes –

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

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 the credit provider 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)
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” (Con Nitsikas) at the address above or by telephone on 03 9585 9500 or email at con@nationwideleasing.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.nationwidefinance.net.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

By signing below, 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 thecredit 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 adirector, 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 Austria, Brazil, Canada, China, Denmark, France, Fiji, Germany, Hong Kong, India, Indonesia, Ireland, Italy, Japan, Luxembourg, Maslaysia, Mexico, Netherlands, New Zealand, Phillipines, Russia, Singapore, South Africa, South Korea, Spain, Switzerland, Taiwan, Thailand, United Arab Emirates, United Kingdom, 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 yourapplication 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.

Complaints

If you are dissatisfied with how we have dealt with your personal information, or you have a complaint about our compliance with the Privacy Act, you may contact our complaints officer on 9585 9500.

We will acknowledge your complaint within seven days. We will provide you with a decision on your complaint within 30 days.

If you are dissatisfied with the response of our complaints officer you may make a complaint to our External Dispute Resolution Scheme, Australian Financial Complaints Authority (AFCA) which can be contacted on 1800 931 678 or the Privacy Commissioner which can be contacted on either www.oaic.gov.au or 1300 363 992.