Privacy Disclosure Statement

PRIVACY DISCLOSURE STATEMENT

Eclipx Group, which includes Fleet Partners Pty Ltd, Fleet NZ Limited, FleetPlus Pty Limited, Fleet Choice Pty Ltd, FleetPlus Limited (NZ), Fleet Holding (NZ) Limited, CarLoans.com.au Pty Ltd, CarLoans.co.nz Limited, CarInsurance.com.au Pty Ltd and Eclipx Commercial Pty Ltd, (‘we’, ‘us’, ‘our’) collects information about you for the purposes set out in this Privacy Disclosure Statement and Consent.

Providing information about another person

When you give us personal information about another person you represent that you are authorised to do so and agree to inform the person that we have collected their information as part of this application and of the contents of this Privacy Statement and Consent.

Purposes for collecting personal information

We collect your personal information to assess and process an application you make and, in some cases, to submit that application to one or more financiers (some of which are members of the Eclipx Group). Where you wish for us to arrange for insurance on your behalf we may also submit your application to one or more insurers. An insurer may collect your sensitive health information when determining whether or not to provide you with insurance.

We, and the financier(s) and/or insurer(s) to whom we submit your application, may also collect your personal information (including, where permitted by law, your credit-related personal information) for the following purposes:

  • to assess and process an application:
    • which you have completed, whether you do so on your own behalf or on the behalf of a company for which you are a representative; or
    • in which you are named, for example, as a guarantor, co-applicant or, where the applicant is a company, the representative of that company;
  • to execute instructions;
  • to manage the relationship with you including for example, to assist you in managing your obligations;
  • to comply with legislative or regulatory requirements;
  • for internal processes including product development, strategic planning, risk management and pricing;
  • to meet obligations including in relation to credit reporting systems, government bodies and funding arrangements;
  • to enforce rights including by engaging a debt collection agency;
  • to identify you; and
  • (unless you tell us not to) contact you to discuss other products that may be of interest to you or the company you represent.

If you do not provide this personal information, we, the financier or (if relevant) the insurer may be unable to provide you with credit and/or services. The collection of your personal information may be required by the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and National Consumer Credit Protection Act 2009 (Cth) (in the case of applicants in Australia), and the Anti-Money Laundering and Countering Financing of Terrorism Act 2013, the Tax Administration Act 1993 and, to the extent necessary, the Credit Contracts and Consumer Finance Act 2003 (in the case of applicant’s in New Zealand).

Personal information about you may also be exchanged with credit reporting bodies (CRBs). CRBs may include information about you in reports provided to financiers and agents of financiers (which can include us) to assist in assessing your credit worthiness.

Persons with whom personal information is exchanged

We may exchange your personal information with financiers and (if relevant) insurers.

We, and the financier(s) and/or insurer(s) to whom we submit your application, may also exchange your personal information (including, where permitted by law, your credit-related personal information) to:

  • each of the respective parties' related bodies corporate, agents, contractors, service providers (including debt collection agencies) or external advisers;
  • information service providers including CRBs, parties that assist in verifying your identify and providers of fraud detection services;
  • law enforcement, regulatory and government bodies as permitted or required by law in New Zealand, Australia or overseas;
  • other financiers;
  • any person we consider necessary to execute your instructions;
  • any person who is named in an application including for example, guarantors, co-applicants or, where the applicant is a company, the representatives of that company;
  • persons in connection with a securitisation arrangement or wholesale funding of your loan; and
  • any person who is considering whether to acquire or who has acquired:
    • our business or the business of the financier or insurer (as relevant) or part thereof; or
    • the rights or obligations under the contract that has been entered into with you.

We may exchange your personal information with credit providers (including information derived from a CRB) for the following purposes (as applicable):

  • to assess an application for credit;
  • to consider whether or not to accept you as a guarantor or security provider;
  • to collect overdue payments, to manage credit, to help you avoid defaulting on your credit obligations and take action in the event of your fraud or other serious credit infringement; and
  • to provide or manage securitised or transferred loans.

If you fail to meet your payment obligations in relation to credit that has been provided or if you commit a serious credit infringement, we or the financier may be entitled to disclose this to a CRB.

We, and the financier(s) and/or insurer(s) to whom we submit your application, may disclose your personal information (including, where permitted by law, credit-related personal information) to overseas recipients in order to provide services and products and for administrative, data storage or other business management purposes. It is not practicable to list all of the countries to which your information may be transmitted from time to time, but in our case, your personal information (including credit-related personal information) may be transmitted between Australia and New Zealand, and it is likely that other such countries will include the United States, Japan, Singapore and Hong Kong.

Management of credit-related personal information and CRBs

Our Privacy and Credit Reporting Policy which sets out information about the management of personal information (including credit-related personal information) can be found at http://eclipxgroup.com/privacy-policy.

Our website and the websites of each financier and insurer may contain certain information that we and the financier may be required to give you (otherwise known as the 'notifiable matters') this includes:

  • information on the financier's policy about the management of personal information (including credit-related personal information); and
  • details of each CRB with which it deals.

The CRB that we use is Veda Advantage (Veda) whose policy about the management of credit-related personal information can be found at www.veda.com.au/credit-reporting-policy. Veda can be contacted:

In Australia:

by post: Veda - Customer Resolutions, PO Box 964, North Sydney NSW 2059,

by phone: 1300 762 207,

by email: corrections@veda.com.au

(visit Veda Advantage's website at www.mycreditfile.com.au for their most up-to-date contact details).

In New Zealand:

By post: Public access Information Services & Solutions (NZ). Veda Advantage (NZ Ltd, Private Bag 92156, Victoria Street, Auckland

By phone: 0800 692 733

By email: publicaccess.nz@veda.co.nz

(visit Veda Advantage’s website at www.mycreditfile.co.nz for their most up-to-date contact details).

You have a right to request a CRB not to use your personal information for:

  • the purposes of pre-screening you for direct marketing by a financier; and
  • a period of 21 days (under Australian law), or a period of 10 working days (under New Zealand law), if you believe on reasonable grounds that you are, or are likely to be, a victim of fraud

Some financiers or insurers may choose to provide you with additional information about how they handle your personal information.

Your rights

You have rights to request access and corrections to, personal information (including credit-related personal information) from us, financiers, insurers and CRBs, and to make a complaint about breaches of privacy law. Our Privacy and Credit Reporting Policy, and the respective policies of the financiers and insurers, sets out how to make a request or complaint and how such requests or complaints are handled.

To gain access to, seek correction of, or to complain about the handling of the personal information that we hold about you contact our Privacy Officer at Privacy Officer, Eclipx Group Level 32, 1 O’Connell Street, Sydney NSW 2000, Australia or by email to privacy.officer@eclipxgroup.com.

Where an organisation's policy about that organisation's management of your personal information is made available online, you generally have a right to request that policy in an alternative form (for example, as a hard copy).

Consent to the handling of your personal information

By accepting the terms of this privacy statement, you agree we and each financier and insurer may (as permitted by law and as applicable to you):

  • collect, use and disclose your personal information (including credit-related personal information) in the ways set out in this Privacy Statement and Consent;
  • disclose and collect information about you from any credit provider with an Australian or New Zealand link (as applicable) for the purposes described in this Privacy Statement and Consent;
  • provide personal information about you to a guarantor, or prospective guarantor to allow them to assess whether to act as a guarantor;
  • (where you are a guarantor or prospective guarantor in relation to an application) obtain a credit report about you from a CRB for the purposes of assessing your suitability to be a guarantor; and
  • (where you or your company has made an application for commercial credit) obtain a credit report about you from a CRB for the purposes of assessing that application for commercial credit

By accepting the terms of this privacy statement you also authorise us to make a request on your behalf to obtain credit reporting information about your consumer and commercial credit worthiness from a CRB. That information will assist us in providing our services to you. This authorisation ceases when we undertake a task on behalf of a financier.

SCHEDULE OF FINANCIERS

Name of Credit Provider

Website

Fleet Partners Pty Ltd
www.fleetpartners.com.au
Macquarie Leasing Pty Ltd
www.macquarie.com
Capital Finance Australia Ltd
www.capitalfinance.com.au
St George Bank - A Division of Westpac Banking Corporation
www.stgeorge.com.au