Our privacy assurance to you for any enquiry car loans, boat loans, truck loan, equipment finance, home loans.

Terms of Use

This site is operated by [Finance Ezy Pty Ltd (ACN 108 225 841) Finance Ezi (we, us or Finance Ezi). Your access to and use of our loan calculator Finance Ezi online calculator site (Website) and the data available on this Website (Content) is subject to these terms, and our Privacy Policy (Terms).

You are requested to read the Terms before you use this Website. By using and continuing to use this Website, you will be deemed to have agreed to these Terms. If you do not agree to these Terms, you should not continue to use this Website.

Changes to these Terms

From time to time, we may need to change these Terms to reflect our changing business. We may also need to change these Terms if we are required by law, for security reasons or for technical or infrastructure reasons.

We may change the Terms at any time by posting the changed Terms on this Website and by posting a notice to users on the Finance Ezi Media homepage stating that a change has occurred.

Your Use

This Website and the service (service) provided through this website are made available for personal or non-commercial use only. You may not use the service to supply a product or service, or to increase traffic to your web site for commercial reasons, such as advertising sales. You may not, without express written permission from us, take the results from the Finance EziFinance Ezi search and reformat and display them. You also may not mirror the Finance EziFinance Ezi home page or results pages on your web site.

You may not send automated queries of any kind to the Finance EziFinance Ezi search engine without prior written approval from Finance EziFinance Ezi nor may you data mine this Website.
Finance Ezi may add to, remove or vary any information on this Website at any time.
Copyright and trade mark notice .

The material on the Website, the software, design, text and graphics comprised in the Website and the selection and layout of the Website are owned by or licensed to us and protected by Australian and international laws.

The Website does not grant you a licence nor act as a right of use of any of the trademarks or logos, whether registered or unregistered, that are displayed on the Website without the express written permission of the trade mark owner.

You may view the Website and its contents using your web browser. In visiting the Website, you are able to save an electronic copy of the Website by means of the usual operation of your web browser only.
You may print, copy, download and view materials on the Website subject to:

1. the material being used in a manner reasonably anticipated by Finance Ezi; and
2. the material not being modified in any way.

You must not modify, copy, reproduce, republish, frame, upload to a third party, post, transmit or distribute the content of the Website in any way except for any reasonable purpose associated with the use of the Website. Finance Ezi owns all of the original intellectual property contained in and supported by the Website and you are prohibited from copying or otherwise modifying or altering the intellectual property for a commercial purpose.

Other websites

This Website may contain links to other websites which are not maintained or controlled by us or our related companies (third party site). Third party sites are not part of this Website. These links are provided by us solely for your convenience.

We make no representations or warranties whatsoever about any third party site. We do not endorse, and accept no responsibility for, the content or use of any third party site. If you link to any third party site, you leave this Website and do so entirely at your own risk.

Access to the Website outside Australia

We do not represent or warrant that this Website or the Content complies with the laws of any country outside of Australia. If you access and use this Website or the Content from outside Australia, you do so at your own risk.

No warranty

We take all reasonable care in compiling the Content. However, the Content is provided 'as is' and we do not warrant or represent that it is complete, current or free from errors or omissions.

We cannot screen all advertisements on the Website. We do not assume any responsibility for the content of any advertisement available through this Website. We will not be responsible for any offensive language or otherwise objectionable content contained in this Website.

We provide our services with reasonable care and skill and endeavour to ensure availability of our services and access to this Website. However, the availability of our services and access to this Website may be interfered with by numerous factors, including those outside our control (such as malfunction in equipment or software, Internet access difficulties, or delay or failure of transmission). Accordingly, we do not warrant or represent that our services and/or your access to this Website or the Content will be continuous, uninterrupted, timely, fault free, virus free or secure.

We accept advertisements for this Website in good faith on the basis of warranties provided by each advertiser. We do not warrant or represent that the products or services advertised on this Website will be suitable for any particular purpose, or that an advertiser has particular qualifications, or that the qualifications claimed by an advertiser are valid, or that any statements of the advertiser are true and are not misleading or deceptive. You must investigate for yourself the suitability, quality and condition of any goods or services advertised on this Website and it is your responsibility to verify any information in the advertisements on this Website.

If you become aware of any inaccuracies or omissions in the information on this Website we would be grateful if you could bring this to our attention by calling 1300 003 003 or emailing us at enquiries@financeezi.com.au
Information does not represent professional advice
You acknowledge and agree that information published by us on the Website, is intended to provide general information only and which may not be applicable to your particular circumstances. You agree to access the information at your own risk and Finance Ezi is not liable to you for the content of the information or any reliance by you on that information.

Online Competitions

From time to time we may organise competitions. Please refer to our Finance Ezi Competition Rules. Please note that where we have no control over competitions provided by our advertisers and third parties, these rules will not apply. You acknowledge and agree that we are not responsible or liable, directly or indirectly, for any damage, loss or cost caused or alleged to be caused by or in connection with use of or reliance on any such competition available.

Our liability to you

The terms that apply to our supply of this Website and the Content are those that are set out in the documents that make up the Terms (as listed above) and those implied by consumer protection laws to the supply of this service that are unable to be excluded. No other terms apply.
To the maximum extent permitted by law, we exclude any liability to you for any loss or damage you suffer resulting from your use of the website or your reliance on any content.

Your liability to us

You are liable to us for breach of contract or negligence under the principles applied by the courts. However, you are not liable to us for any loss to the extent that it is caused by us (for example through our negligence or breach of contract).

Disclaimers

This Website contains, among other things, information provided by us and associated entities, third parties and links to third party websites. There may be technical inaccuracies, errors, programming bugs or computer viruses in this Website or its contents.

We make no representations about the accuracy, completeness, currency or suitability of the information or links provided on this Website.

The information is provided 'as is' without express or implied warranty. You use the information and links at your own risk. We take no responsibility for the content of Internet sites that link from, or to, this site. Except as set out below, Finance Ezi excludes:

1. warranties whether express, implied, statutory or otherwise, relating in any way to this Website or your use of this Website; and
2. liability (including for negligence) to you or anyone else in respect of any loss or damage (including special, indirect or consequential loss or damage such as loss of revenue, unavailability of systems or loss of data) arising from, or in connection with, any use of the information on, or accessed through, this Website for any reason whatsoever.

Where any statute implies any term into your use of, or any arrangement arising out of, the accessing of this Website and that statute prohibits exclusion of that term, then that term is included.

If and to the extent permitted by the statute, however, Finance Ezi’s liability for any breach of such term is limited to the re-supply of the information or links or associated services.

No responsibility for the security of your information

We will take all due care in ensuring the privacy and integrity of the information you provide via the Website. However, the possibility exists that your information could be unlawfully observed by a third party while in transit over the Internet, or while stored on Finance Ezi’s systems (including servers) or on the Website. Finance Ezi disclaims all liability to you to the greatest extent possible pursuant to law should security or integrity of your information be jeopardised.

Use of intellectual property and information

Finance Ezi welcomes ideas and feedback from you about all aspects of the Website. You agree that Finance Ezi may use, reproduce, distribute, transmit, create derivative works of, and publicly display any materials and other information (including ideas for new or improved products and services) that you submit to any public areas of the Website or by email to Finance Ezi.
(Please read the Finance Ezi Privacy Notice for more information as to how we store and treat information you send to us).

No misrepresentation allowed

You agree that it is a condition of your use of the services provided by us or through the Website that you will not through any act or omission (including but not limited to submitting a request or inquiry via the Website) mislead or deceive others.

Termination, suspension and limitation of your access - material breach by you

We may suspend, terminate or limit your access to this Website at any time if you are in material breach of these Terms and:

1. we have told you in writing of your breach and you have failed to remedy it within 14 days of us telling you; or
2. the breach is something which cannot be remedied (in which case we can cancel the service immediately by telling you).

Our other rights to terminate, suspend or limit your access

We may suspend, terminate or limit your access to this Website with as much warning as we reasonably can, if:

1. we reasonably believe that there is a real risk of loss or damage to us or another if we do not suspend, terminate or limit your access to this Website;
2. the law requires us to do so;
3. we believe on reasonable grounds that providing you with access to this Website or to the Content is illegal or may become illegal; or
4. there is an emergency.

Severability

If any part of these Terms is unenforceable, it will be severed from the remainder of these Terms. These Terms constitute the entire agreement between the parties concerning the subject matter of these Terms. A provision of or a right created under these Terms will not be waived except in writing signed by the party granting the waiver.

No Waiver

If we do not act in relation to a particular breach by you of these Terms, this will not be treated as a waiver by us of our right to act with respect to subsequent or similar breaches. If you do not act in relation to a particular breach by us of these Terms, this will not be treated as a waiver by you of your right to act with respect to subsequent or similar breaches.

Governing Law

These Terms (and your dealings with us) are subject to the laws of Queensland, Australia.

[ back to top of page ]

 
At Finance Ezy Pty Ltd your privacy has always been important to us.
We comply with the National Privacy Principles (new privacy laws which apply from 21 December 2001).

This policy and other privacy statements

This privacy policy explains how we collect personal information and how we maintain, use and disclose that information. It also provides some detail about your privacy rights along with our general rights and obligations and our policy in relation to the personal information we keep on record.

When you apply for a new product or service, notices are generally given about privacy and requests for consent. Those privacy notices (called privacy statements) specify in more detail how any information about you may be used and disclosed in relation to the particular product or service.

When you apply for or use one of our products or services, you consent to us collecting, maintaining, using and disclosing personal information about you and provided by you or by another person in accordance with the privacy statement in the application form and this policy.

What information does Finance Ezi hold?

The types of information we keep on record will depend on the type of product or service requested by you.
Generally, we keep a record of one or more of the following types of information about you:

• information that identifies you, such as your name, address, telephone contact, drivers license and other information provided by you and people nominated by you;
• when making an application for loans for finance, credit information about you
• if you apply for insurance, information about what is being insured (including health information about you, your income and occupation if you are requesting GAP or Consumer Credit Insurance).

All information sought is required for our business purposes, which are detailed generally in this privacy policy and more specifically in our application forms or on the web pages which allow you to contact us.

We do not actively seek to collect sensitive information (for example health information or information about your racial or ethnic origin or any criminal record), unless it is necessary for our business purposes. If we do have to collect sensitive information, we will do so in accordance with the National Privacy Principles.

Sometimes we act as an agent for others when collecting information about you, such as for our preferred insurance companies. We will tell you when we do this.

During the course of our relationship with you, we may gather information about you relating to all products and services that we or our preferred suppliers provide to you. This information is used to help us form views about how we can improve our relationship with you.

How FE collects information from its website

We collect and hold information about you when you:

• complete an online application or other type of form; or
  
• provide your name, phone number and email address on one of our loan calculators ;or
  
• provide us with your email address; or
  
• access and use our services through our website.

We also collect some statistical information about visitors, from our website (for example, the number of visitors, pages viewed, types of transactions conducted, time online and documents downloaded).

Some of this statistical information is collected by using cookies, but none of the statistical information we collect allows us to identify a visitor. We use this information to evaluate our website performance and continually improve our services.

Other than statistical information, we do not collect any information about you through our website unless you provide the information to us.

How FE generally collects your information

Generally, we only collect personal information about you from you, unless it is not reasonable or practical for us to do so or you consent.
For example, you may authorise us to collect information from a third party, like your employer to confirm your income details, or we may engage an agent.

We may also collect information about you from publicly available sources such as company registers or Australian Taxation Office ABN searches.

How may FE use your personal information?

We use your personal information to:

• comply with all regulatory and statutory bodies when enquiring or arranging finance or insurance.
  
• provide information to insurance companies if insurance products are considered. These companies include Swann Insurance and National Warranty Services, 24/7, Elite warranties, Fortron, Allianz, Motorone and are for warranty products on car loans, boat loans, truck loan, equipment finance or car insurance related purposes.

  This is including sending of material or contact about their products and services, disclosure of information to their contractors and agents (such as call centre operators, advertising agencies, direct mail houses), disclosure of your information to their related bodies corporate and transfer of your information out of and into Australia.
  

• Finance Ezi customer service effectively manage and administer all products and services we provide to you even after your loan. We arrange current loan payout amounts, providing a choice of comparison prices on your car insurance renewal.
  
• To enable our various departments including Finance Ezi entities and business partners Southcoast Automotive Group Pty Ltd and Sci Fleet Pty Ltd, to identify and contact you for things such as refinancing car loans, boat loans, truck loan, equipment finance, and home loans, buying cars, trucks, boats, equipment and homes.
  
• When we request your information we may give more specific details about the way we use your information.

What rights does FE have to disclose personal information?

Usually we must get your consent before we tell anyone about you, your accounts or your credit information. You can give us your consent expressly or it may be implied by your conduct.
Sometimes the law requires us to give out information about you, such as a court if we were ordered to do so under a subpoena.

Depending on the product or service that we provide to you, if it is necessary we may also disclose your personal information to:

• government agencies in connection with any vehicle purchase, such as for stamping and registration purposes;
  
• any organisation which you request us to or any persons acting on your behalf, including your financial adviser, broker, solicitor, or accountant - unless you tell us not to.
  
• Any organisation to allow us to offer or provide our services to you, maintain our relationship with you, or as required under various laws and regulations that govern our business.

We may at other times give you more details about our disclosure practices in relation to specific products or services - for example on the attachment to the Finance Agreement.

How may FE use your personal information?

Your personal information may also be used by us to assess your total relationship and product holding within FE, analyze products and services, evaluate the needs of our customers and develop new products.

Unless you inform us or have previously told us not to, we may also provide access to your personal information to sub contractors of FE to inform you of products and services available, special promotions etc.

How FE protects the security of your information

We take all reasonable steps to protect your personal information from misuse, loss, unauthorised access, modification or disclosure.

We have physical, electronic and procedural safeguards to protect your information which is held by us. For example, your personal information is stored in secured office premises, in electronic databases requiring logins and passwords for access. Access to information stored electronically is restricted to staff whose job purpose requires access. We require all staff to maintain the confidentiality of customer information.

We use secure methods to destroy or de-identify any personal information as soon as the law permits, provided the information is no longer needed by us for any purpose.

Changes to our Privacy Policy

We may amend this policy from time to time. Not all changes to our privacy policy will require your consent, for example where office security procedures are changed. We will notify you of any change to our information handling policy that requires your consent before being implemented.

What are your rights?

Without your personal information, we generally are not able to provide our products and services to you, except in the circumstance of purchasing spare parts from us, which you are welcome to do so anonymously.

Information about our Products and Services

If you do not want the benefit of receiving information, special offers or exclusive opportunities about products and services (which may be supplied by us or any contractor that we may sub-contract) which we think may be of interest or value to you, then please tell us. You can do this at any time by writing to us or telephoning the Privacy Officer at the contact details listed below.

Access to your information

You can request access at any time to personal information we hold about you. We will process your request within a reasonable time, usually 21 days for a straightforward request. More time may be needed, depending on the nature of the request.
There is no fee for requesting access to your information, however we may charge you the reasonable cost of processing your request.

Correction of information

We try to ensure that all information we hold about you which we collect, use or disclose is accurate, complete and up to date. You must promptly notify us if there are any changes to your personal information.

You may ask us at any time to correct personal information held by us about you, which you believe is incorrect or out of date. We will deal with your request within a reasonable time.
If there is anything you would like to discuss, please contact us.

We will try to answer any questions you may have, correct any error on our part or resolve any complaint that you may have about our information handling practices. If we do not resolve a complaint to your satisfaction, you also have the right to complain to the Privacy Commissioner.

---

[ back to top of page ]

Privacy Officer Contact Details: Finance Ezy Pty Ltd The Privacy Officer PO Box 4905 GCMC Bundall QLD 4217 Telephone: 1300 003 003 Facsimile: 1300 851 406