By signing this consent form you consent to us, Cash Australia (Int) Pty Ltd (trading as Cash Australia) ABN No 57 008 191 599 holder of Australian Credit Licence Number 386209, our related corporations and authorised agents collecting, using, holding and disclosing to others your personal information (which includes credit–related information) about you.
We are authorized to provide credit and credit assistance to you.
We may collect use, hold and disclose, as applicable personal information (which includes credit-related information), and credit eligibility information for the purposes of providing you with credit assistance, assessing an application for credit by you, arranging or providing credit to you, acting as a referrer of your business to others, managing credit provided, providing you with products and services, direct marketing to you, managing our relationship with you, and running our business.
We may collect personal information about you (which includes credit-related information), credit eligibility information and with your consent, sensitive information.
Personal Information includes:
and if you are applying for credit, other details such as the ages and number of your dependants and cohabitants, the length of time you have lived at your current address, and other information we consider relevant to assessment of your application for credit
Credit Information includes:
We may be required to collect personal information from you to comply with relevant laws and regulations, such as Anti Money Laundering legislation and applicable tax laws.
Credit Eligibility Information refers to credit-related information received by us from a credit reporting body and includes credit reporting information.
Credit-Related Information means credit-related information and credit eligibility information.
Credit Reporting Body refers to an agency that holds credit-related information relating to individuals and businesses.
Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health records.
We may use personal information collected from you in order to tell you about other products and services offered by us or by our business partners. You can let us know at any time if you wish to no longer receive direct marketing materials from us.
When you make application for credit from us or for the provision of credit assistance by us we will ask you to provide us with personal information about other persons, such as referees and family members who we may contact. These persons are referred to as “third parties“. When you provide this information to us you warrant that you are authorised to do so.
We may, at any time while we are a credit provider to you or provide you with credit assistance, contact third parties to assist us in helping you honour your contractual obligations under any credit contract you have with us.
You also authorise us to use social media to contact you.
In circumstances where you have failed to honour your obligations to us and we are unable, for whatever reason, to contact you by other means, after making reasonable efforts to do so, you authorise us to make contact with:
so we can establish contact with you for the purpose of assisting you to make sure you honour your contractual obligations to us.
If you are unable to provide us with personal information requested, we may be unable to:
In addition to our rights to contact third parties as set out in paragraph 4, you agree that we may disclose to, obtain from and exchange personal information about you with:
With your consent we may also disclose your personal information to our referral partners (in which case we will forward details of your application and supporting information and documentation to them) Our referral partners may offer services such as loans, debt management, credit repair, budgeting and rental services. You acknowledge that our referral partners may offer you a product that is not the exact same type of product or amount that you originally applied for from us.
A credit reporting body collects credit-information about individuals, which is then provided as a report to credit providers and others in the credit industry to assist credit providers in managing credit risk, providing credit, collecting debts and other activities.
If you apply for credit or for credit assistance or apply to be a guarantor, we generally will apply for a credit report from a credit reporting body and they will disclose to us, our related corporations and authorised agents, personal information about your credit worthiness. Personal information obtained by us from a credit reporting body will be used by us to assess any application for credit and for other permitted purposes and may also use that information to create assessments as to your credit worthiness and create a credit score with regard to you.
We may also disclose personal information about you to a credit reporting body, including that you have applied for credit or credit assistance, repayment history information, credit liability information and that you are in default under a credit arrangement or have committed a serious credit infringement if that is the case. A credit reporting body may then include that information in reports it produces to other credit providers.
The credit reporting bodies with whom we currently deal are:
We may seek and use commercial credit information about you to assess an application for consumer credit or commercial credit and seek and use consumer credit information about you to assess an application for commercial credit or consumer credit (as defined in the Privacy Act).
When you make an application for consumer credit, we are required, under the credit reporting code (which forms part of the Privacy Act), to ensure that you are aware of certain specific matters namely:
We draw your specific attention to the fact that each time we disclose your personal information to a credit reporting body, that personal information will be recorded on your credit file and be available to others who are authorised to access your credit file held by the credit reporting body and may also impact any credit score the relevant credit reporting body has determined in relation to you.
We, our related corporations and authorised agents may give a guarantor, or a person who is considering becoming a guarantor, credit information about you for the purpose of enabling that person to decide whether to act as guarantor or to keep the guarantor informed about the guarantee.
In interpreting these provisions of this Privacy Consent Notice, the expression “you” includes any guarantor referred to in an application for credit.
We, our related corporations and our authorised agents hold your personal information. We take reasonable steps to ensure that your personal information held by us (on our website or otherwise), is protected from misuse, interference and loss, and from unauthorised access, disclosure or modification.
We may disclose your personal information overseas to persons engaged by us to provide us with services. Currently, we use service providers located in the United States of America. We will always seek protective measures to ensure our service providers take appropriate steps to protect that information in compliance with the Australian Privacy Principles and to restrict the use to which they can put that information.
You can gain access to the personal information we hold about you by contacting our Privacy Officer’s whose contact details are:
Address: PO Box 3527, Port Adelaide SA 5015
Telephone: (08) 8281 9383
Fax: (08) 8258 6113
Email: email@example.com (marked to the attention of the Privacy Officer)
You can request our Privacy Officer arrange to correct any personal information we hold about you which you believe is incorrect.
I/We the persons named below consent to the collection, use, holding and disclosure of my/our personal information including credit information in the manner set out in this Privacy Consent Notice.
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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*