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.
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
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