Bad Credit Finance Pty Ltd ABN 58 125 570 201

At Bad Credit Finance Pty Ltd  we want to provide the best possible service to our clients and members by making the most efficient use of your personal information.

However, it is of utmost importance to us that you are confident that any personal information provided to us is treated with an appropriate degree of privacy.
Bad Credit Finance Pty Ltd is a National organisation providing both residential and commercial finance products and loan processing services to our clients and members.
Bad Credit Finance
PO Box 6360
POINT COOK  VIC  3030
Phone: 1300 309 459
Fax no: 03 9395 7311
E-mail

COLLECTION OF PERSONAL INFORMATION

It is essential for BAD CREDIT FINANCE to collect personal information to complete its standard business activities of providing both residential and commercial finance products, loan tracking, and loan processing services to our clients.

When collecting information we:

Collection and usage of personal information is essential for us to complete our business with clients.

Where reasonable and practicable, BAD CREDIT FINANCE collect personal information directly from clients.

This may occur for example when completing an application form for a product or request a product or service over the telephone or Internet.
Where not reasonable or practicable to collect personal information directly, BAD CREDIT FINANCE rely on third parties.

CONSENT

In the majority of circumstances BAD CREDIT FINANCE will require your specific consent before we collect, use or disclose personal information.

Consent will be obtained in writing; however, there may be some situations where your verbal consent is accepted.

DISCLOSURE

BAD CREDIT FINANCE does not generally disclose personal information to any other party, unless required or authorised by law, consent is given, or is required to complete a business transaction.
There are times when BAD CREDIT FINANCE is required or authorised by law to disclose personal information.

Personal information may be required in accordance with taxation law to be provided to the taxation office, or under subpoena to a Court of Law.
Personal information may also be disclosed where consent has been obtained.

Consent may be received directly from a client, as set out above, or may be implied from a client’s conduct.
Personal information is only disclosed to parties outside BAD CREDIT FINANCE where it is required to complete business activities.
Some examples where this may occur are:

ACCURACY

It is essential to BAD CREDIT FINANCE that personal information is complete and up-to-date at all times to effectively conduct standard business activities.
When using personal information we will contact a client to determine if any personal details have changed.

BAD CREDIT FINANCE can also be contacted at any time to update personal information, or to advise that information held is inaccurate or incomplete.

ACCESS

Individuals can request access to their personal information by contacting the BAD CREDIT FINANCE.

A summary of personal information (E.g. name, address, phone number) is freely accessible.
In some situations, where the information requested goes beyond a basic summary, a fee may be charged for access.

This fee is used to cover the cost to BAD CREDIT FINANCE for retrieving and supplying the information.
BAD CREDIT FINANCE will endeavour to handle all requests for personal information within 30 days of having received the request.

Some requests may take longer than 30 days, depending on the information sought, in which case the individual will be notified of the expected time frame as soon as is practicable.
There are some circumstances where requests for access to information may be denied by BAD CREDIT FINANCE, such as where the information may relate to existing or anticipated legal proceedings, where denying access is required or authorised by law, or where the request for access is regarded as frivolous and vexatious.
If a request to access or change personal information is denied, we will offer a formal explanation for our actions.

BAD CREDIT FINANCE ON-LINE SERVICES

BAD CREDIT FINANCE understands the importance of privacy to the users of the BAD CREDIT FINANCE On-line website .

The following statement outlines how in the context of the BAD CREDIT FINANCE On-line web site information is used, protected and recorded. By using the site visitors consent to the uses below mentioned.

About Information Provided

The type of information BAD CREDIT FINANCE collect is dependent on what products and services accessed on the website.

Where specific terms and conditions for a product or service apply they will supersede this general statement to the extent they are inconsistent with it.
BAD CREDIT FINANCE may use information and contact details, gathered through use of the BAD CREDIT FINANCE On-line site, or linked or embedded sites for answering queries; identifying products and services which we consider may be of interest, tailoring the site content presented so it fits expected requirements and for marketing purposes within BAD CREDIT FINANCE.
We may also use your information for other purposes permitted by law, or which a visitor would reasonably expect, such as up-dating our records, contact, or for statistical purposes.
Where applying for a particular product or service through this site the application form may contain special consents concerning the use of information.

If consent is provided, which will usually be required before the application can proceed, we may use information as permitted and also for the above purposes.
In common with other financial service providers we use agents and other third parties to provide some services to BAD CREDIT FINANCE and for this purpose we sometimes need to provide them with relevant parts of the information, which we have obtained from clients under their contracts.

These third parties are required to keep your information confidential and use it only for the purposes for which we are permitted.
We may offer through this site products or services that are supplied by or through other organisations.

If a client enquires about the service we will need to pass to them relevant details about the client and their enquiry, to complete the transaction.
If provided information to sites linked to or embedded in the BAD CREDIT FINANCE On-line web site we may see that information but any use of it by us will be subject to this privacy statement.

Information Security.

BAD CREDIT FINANCE takes all reasonable steps to protect clients’ security when using our web site but they should be aware that no transmission of information to and from web sites is ever totally secure.

IDENTIFIERS

In some circumstances certain Commonwealth identifiers (e.g. Tax File Numbers) may be collected as proof of identity when carrying out standard business activities. These identifiers are securely destroyed, and are not used by BAD CREDIT FINANCE in any way to identify an individual.
Wherever it is lawful and practicable to do so, BAD CREDIT FINANCE will endeavour to deal with clients anonymously. For example: - when a client requests information regarding the services offered by BAD CREDIT FINANCE.

SENSITIVE INFORMATION

Sensitive information (as defined above) is only collected by BAD CREDIT FINANCE where consent has been obtained, it is allowed by law, or the collection is necessary for the establishment, exercise or defence of a legal claim.

TRANS-BORDER DATA FLOWS

BAD CREDIT FINANCE does not send any personal information outside of Australia unless we are authorised to, or required to by law.

COMPLAINTS

Any complaints with regard to the handling of your personal information in breach of this Privacy Policy can be directed to:

Privacy Officer

Bad Credit Finance Pty Ltd
PO Box 6360
POINT COOK  VIC  3030
Telephone: 1300 309 459
Any complaints that have not been handled satisfactorily by Bad Credit Finance Pty Ltd can be referred to the Federal Privacy Commissioner:
Telephone: 1300 309 459, or
Address: Director of Complaints
Office of the Federal Privacy Commissioner
GPO Box 5218
Sydney NSW 1042