Cash Australia (INT) Pty Ltd (‘we’/’us’/’our’) endeavour at all times to comply with the Privacy Act 1988, Australian Privacy Principles and the Credit Information Privacy Code which together will be referred to in this policy as ‘Australian Privacy Law.’
This Credit Information Privacy Policy is subject and in addition to our General Privacy Policy. It applies to you if:
As well as and in addition to the information collected under our General Privacy Policy, if you apply for credit from us we may collect:
We collect credit information in the same ways we collect personal information as described in our General Privacy Policy and, additionally:
We hold and keep secure your credit information in the same ways as all your personal information as described in our General Privacy Policy.
In order to obtain credit information about you from credit Information Privacy bodies we may be required to disclose to them credit information about you which we hold. Those credit Information Privacy bodies may then include that credit information about you in reports they provide to other credit providers.
This includes all the credit information described above with the exception of your Financial Information. It does, however, particularly include:
The credit reporting bodies to which we may disclose your credit information are:
Dunn and Bradstreet (Australia) Pty Ltd
PO Box 7405, St Kilda Road
MELBOURNE Vic 3004
Website: www.checkyourcredit.com.au
OR
Veda Advantage Information Services and Solutions Limited
PO Box 964,
NORTH SYDNEY NSW 2059
Website: www.veda.com.au
OR
Experian Australia Credit Services Pty Ltd
PO Box 1969,
NORTH SYDNEY NSW 2060
Website: www.experiean.com.au
We refer you to the Privacy Policy of this credit Information Privacy body.
In addition to those purposes described in our General Privacy Policy, we collect, hold, use and disclose your credit information to:
We shall not disclose your credit information to any other party for the purposes of direct marketing though we may disclose other personal information for that purpose as described in our General Privacy Policy.
We may supply your credit information to overseas recipients such as those mentioned in our General Privacy Policy as part of our information technology systems for the purposes described above. Those recipients to be in the following countries: The United States of America.
We shall not provide credit information and credit worthiness or credit eligibility information to overseas entities except as permitted by Australian Privacy Law.
You may access your credit information held by use in the same way and subject to the same restrictions as you may access any of your personal information held by us as described in our General Privacy Policy.
There is no charge to make a request for access to your credit information but we may apply an administration fee for providing access to your credit information.
We cannot give you access to credit information held about you by any credit Information Privacy body whether that body obtained the information from us or not. We refer you to the Privacy Policy of that credit Information Privacy body.
You may apply to correct the credit information we hold about you in the same way and subject to the same restrictions as you may do so for any of your personal information held by us and as describe in our General Privacy Policy.
We will deal with your request according to Australian Privacy Law and provide you our response and/or reasons within 7 business days or our making our decision and no later than 30 days after receiving your request.
If we have supplied credit information which we have agreed to correct to a credit reporting body, we will notify that body within 7 business days making that decision.
If you are not satisfied with how we have dealt with your credit information, please contact our Privacy Officer in the same way as is described in our General Privacy Policy.
Again, if you are not satisfied with our Internal Dispute Resolution Process in relation to credit information, you may refer your complaint to our External Dispute Resolution scheme as described in our General Privacy Policy or to the Office of the Australian Information Commissioner.
We may change this policy for the same reasons and in the same manner and with the same notice as is described in our General Privacy Policy.
It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.
Check your options before you borrow:
The Government’s MoneySmart website shows you how small amount loans work and suggest other options that may help you.
*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009*