Privacy Policy

 

ASSET LOAN ESTABLISHMENT IS AN AUTHORISED CREDIT REPRESENTATIVE OF AUS LOANS PTY LTD

PRIVACY POLICY / CONSENT

Aus Loans Pty Ltd and its associated entities (Aus Loans) aim to provide its customers with the best possible products and service. To achieve this, we aim to make efficient use of the personal information we collect from our customers.

We also want our customers to have confidence that in handling personal information, we afford that information an appropriate level of privacy, consistent with the National Privacy Principles, and the Australian Privacy Principles.

Who are we?

ASSET LOAN ESTABLISHMENT Authorised Credit Representative: 473241

AUS LOANS PTY LTD   ACN: 131827908

Australian Credit License:  383999

What is Personal Information?

Personal Information is any information about an individual that identifies them or by which their identity can reasonably be ascertained.

Why is Personal Information collected by Aus Loans?

Aus Loans collects the personal information it needs to provide the products and services it offers. Those products and services include various types, insurance products and other financial services within Australia.

Aus Loans also collects personal information about its customers, so that it can complete business transactions, purchase products and services, administer accounts, provide customer support, respond to customer inquiries and requests for product information and meet regulatory requirements.

If Aus Loans is unable to collect personal information from or about an individual, it may not be able to do business with that individual or the organization with which the individual is connected.

How does Aus Loans collect personal information?

Where possible, Aus Loans will collect personal information directly from the individual it relates to. This may take place in a number of ways, such as when an application for a product or service is completed or a product or service is requested over the telephone or internet.

We will also collect personal information during the course of our relationship with customers, for example where loan arrangements with us are varied, or new information is supplied and verified.

Sometimes, personal information may be collected from a source other than the individual to which it relates. Some examples are:

  • where we obtain a credit report about an individual from a credit reporting agency in the course of assessing a loan application;

  • from an accountant where we approach the accountant in assessing a loan application;

  • where an individual is an officer of a company that has applied for finance with us, we may obtain information about the officer from public records or from other officers of the company who arrange the company’s finance application

Regardless of who provides personal information to us, it will always be handled by Aus Loans in accordance with this privacy policy.

Do we disclose personal information to anyone else?

In providing our customers with their chosen product or service, Aus Loans may sometimes need to disclose personal information to others. Examples of the types of organizations we may need to disclose information to in the course of providing a product or service are:

  • parties outside Aus Loans where that party is contracted to us to provide a particular service on our behalf and is bound by the same privacy rules we follow.

Some examples of the kinds of organizations contracted by and to Aus Loans are:

  • mailing houses for bulk mailing of letters and notices

  • Credit reporting agencies - we utilize Equifax

  • printers for direct marketing material

  • debt collection agencies

  • Financiers: Pepper, Macquarie, AMMF, Liberty, Latitude, ANZ, Ratesetter, AFS, Firstmac, Money3, Finance One, Morris Finance, Axsesstoday, Now Finance

  • Insurers: Suncorp, Integrity Warranties, AWN, ERIC Insurance, National Warranty, Mi-Bike, Club Marine, Nautilus

Those contracted parties are not authorized by Aus Loans to use personal information for anything other than the purpose for which Aus Loans supplies that information to them.

Sometimes, the law requires us to disclose personal information. For example, information may be disclosed to a court in response to a subpoena or to a Government agency such as the Australian Taxation Office on receipt of a direction issued under taxation laws.

We may also disclose an individual’s personal information where the individual consents to us doing so. That consent may be written, verbal or implied from the individual’s conduct.

Aus Loans will not disclose personal information to overseas recipients.

Direct marketing

From time to time, we may use personal information to inform our customers about our products and services including special offers. We may also send our customers material relating to joint promotions with dealers and other business associates of Aus Loans of our respective products and services.

If an individual does not wish to receive this information, they just need to let us know by contacting the Aus Loans customer service line on 1800277768

Once an individual lets us know that they no longer wish to receive this information, we will stop sending it. The individual can change their mind about receiving information about our products and services at any time. They just need to let us know by phoning the above number.

If the law requires us to provide our customers with information about our products or services, we will provide that information even if an individual has elected not to receive information about our products and services generally.

Ensuring personal information is up-to-date

We rely on the personal information we hold in conducting our business. Therefore, it is very important that the information we hold is accurate, complete and up-to-date.

We take reasonable steps to ensure that the personal information we hold is accurate complete and up-to-date whenever we collect or use it. This means that from time to time, we will ask individuals to tell us if there are any changes to their personal information. If an individual finds that information we hold about them is incorrect, they should contact us immediately and we will correct it.

Security of personal information

The security of information is important to Aus Loans and we take all reasonable precautions to protect personal information from misuse, loss, unauthorized access, modification or disclosure.

Some of the ways we protect personal information include:

  • external and internal premises security;

  • restricted access to personal information to staff who need it to perform their day to day functions;

  • maintaining technology products to prevent unauthorized computer access including identifiers and passwords; and

  • maintaining physical security over paper records.

Access to and correction of personal information by individuals

An individual can access most of the personal information Aus Loans holds about them.

If an individual request Aus Loans to correct personal information we hold in relation to the individual, we will take reasonable steps to correct the personal information to ensure that, having regard to the purpose for which it is held, the information is accurate, up to date, complete, relevant and not misleading.

Information can be accessed, and a request to correct the personal information made, by contacting Aus Loans customer service on 1800277768

Depending on the amount of information requested to be accessed, Aus Loans may charge an access fee to cover the cost of retrieving the information and supplying it to the person who has requested access.

Access to personal information may be refused in a number of circumstances, such as where the information relates to anticipated legal proceedings or the request for access is frivolous or vexatious. If we deny or restrict an individual’s access, we will explain why.

 

The type of personal information we collect on our website depends on how an individual makes use of the site.

When an individual visits the site, Aus Loans records the individual’s server address, domain name, the date and time of the visit and the pages viewed. This information may be collected by using cookies (data sent to the user’s browser, which generally allows our site to interact more efficiently with the user’s computer). If an individual disables the use of cookies, the use of our site by that individual may be affected. Information collected about an individual’s visit to the Aus Loans site is retained for statistical and website development reasons and is not in a form, which would enable us to identify the individual to which the information relates.

An individual who visits the site will not be required to provide Aus Loans with any personal information unless that individual requests information about a Aus Loans product or service. In that case, we will ask the individual to provide contact details along with other information required to respond to the individual’s request. The information provided may also be retained for product planning purposes, and unless the relevant individual asks us not to do so, for marketing purposes.

Although Aus Loans takes steps to protect information sent by e-mail, e-mail is not a secure method of communication and individuals who are concerned about sending their personal information to us in this manner may prefer to call the Aus Loans Customer Service on 1800277768.

Resolving concerns

If an individual believes that the privacy of their personal information has been compromised, they are entitled to complain. Complaints can be made by the individual contacting the person or department they were dealing with or by calling the Aus Loans Customer Service on 1800277768 and asking for the Dispute Resolution Officer. We will respond to complaints as soon as possible.

If you disagree with our decision, you may refer your complaint to the Office of the Australian Information Commissioner by visiting www.oaic.gov.au, calling 1300 363 992 or by emailing enquiries@oaic.gov.au.

Additional information

Individuals who would like more information about Aus Loans approach to privacy are encouraged to contact the Aus Loans Customer Service on 1800277768

Fuel Competition & Referrals

Fuel Competition is offered to the winner who has fulfilled the condition of completing and referring an individual as instructed on the email form sent to them "Win a Years Worth of Fuel". The referral must be a valid person who has not been referred to previously. The winner of the competition is automatically generated and will be reimbursed $40 of fuel every week that they present proof of purchase to Aus Loans over a twelve month period. Aus Loans is entitled to not offer reimbursement during the week if the winner has not presented their proof of purchase for the present week. Reimbursement is not accumulative.