The Affordable Car Leasing Pty Ltd Group of companies (ACL Group*) (“we” / “us”/ “our”) take our obligations to protect personal information about individuals, including credit information and credit eligibility information, seriously. We are bound by the Credit Reporting Privacy Code, the Privacy Act 1988 (Cth) and the Australian Privacy Principles (“APPs”) (together, “the Privacy Act”)
This Motor Finance Wizard Credit Reporting Policy sets out how your credit information and credit eligibility information (“credit related information”) is managed by us.
The purpose of this Credit Reporting Policy is to tell you how we manage credit information and credit eligibility information.
The Privacy Act contains a variety of detailed definitions describing these types of information. To make it easier for you to read this policy we have included only some general explanations above but if you would like to refer to the full provisions in the Act and or the Credit Reporting Privacy Code they are available on the website of the Office of the Australian Information Commissioner at www.oaic.gov.au.
This Policy explains:
This Policy applies to any individual in relation to whom we hold credit information or credit eligibility information no matter how they interact with us (e.g. on-line, in person at one of our dealerships or over the phone).
At ACL Group we collect and hold various kinds of credit related information which may include:
Credit related information may be collected by ACL Group in a number of ways including:
We may collect credit related information:
ACL Group, or service providers on our behalf, may hold your credit related information in computer systems, electronic form, digital records, telephone recordings and/or in paper files.
ACL Group takes reasonable steps, including physical, electronic and procedural safeguards, to protect your credit related information from misuse, interference and loss, as well as unauthorised access, modification or disclosure.
We may obtain credit reporting information about you from a credit reporting body. Credit reporting information includes:
We may disclose your credit information to credit reporting bodies where the Privacy Act permits us to do so.
For example, if you fail to meet your payment obligations in relation to consumer credit provided by us or if you commit a serious credit infringement we may be entitled to disclose this to a credit reporting body.
Credit reporting bodies may include credit related information provided by us in reports provided to other credit providers to assist them to assess your credit worthiness.
We currently disclose credit information to Equifax Pty Ltd (Equifax). Their contact details are:
Post: PO Box 964, North Sydney NSW 2059
Telephone: 1300 762 207
Equifax is required to have a policy which explains how they will manage your credit-related personal information. If you would like to read Equifax’s policy, visit their website and follow the “Privacy” link, or you can contact them directly for further information.
You have the right to request Equifax to exclude your credit reporting information from any permissible direct marketing activities ACL Group may request them to perform. You also have the right to request Equifax not to use or disclose your credit reporting information if you believe that you have been, or are likely to be, the victim of fraud (for example, you suspect someone is using your identity details to apply for credit). You must contact Equifax directly should this be the case.
We use credit reporting information acquired from credit reporting bodies to derive other information that assists us in assessing your creditworthiness, for example credit risk ratings and credit scores.
ACL Group collects, holds, uses and discloses credit information and credit eligibility information about you for purposes reasonably necessary for our business activities and consistently with the requirements in the Privacy Act as permitted by law. These purposes include:
Restrictions apply under the Privacy Act in relation to the circumstances and purposes for which such information may be used or disclosed and we comply with these restrictions. For example credit eligibility may not be disclosed to some types of overseas entities and restrictions apply on the use of credit eligibility information for direct marketing.
We store information in different ways, including in paper and electronic form. The security of your credit eligibility information is important to us and we take reasonable steps to protect it from misuse, interference ,loss, unauthorised access, modification or disclosure. Some of the ways we do this are:
We can store credit information physically or electronically with third party data storage providers. Where we do this, we use contractual arrangements to ensure those providers take appropriate measures to protect that information and restrict the uses to which they can put that information.
You may access the credit eligibility information which we hold about you by contacting us on the details provided on our website. There is no charge for providing the information to you.
We will need to verify your identity before giving you access. We will usually provide the information requested within 21 days of receiving your request. If there is a reason we are unable to agree to a request for access to your credit eligibility information we will advise you of this in writing.
We aim to hold accurate and up–to-date credit information and credit eligibility information about you at all times. If you believe that any credit related information held by us about you is inaccurate, incomplete, irrelevant, out of date or misleading you have the right under the Privacy Act to request that we correct that credit related information.
To seek such a correction please contact us to discuss your query.
In certain situations, we may not agree to a request to correct information we hold about you. If this occurs we will advise you of this and our reason for not agreeing to the correction request.
If you believe that we have failed to comply with the credit reporting requirements in Part IIIA of the Privacy Act or the Credit Reporting Privacy Code, please contact our Customer Care department and we will then follow our Internal Dispute Resolution (IDR) process. The ‘Contact Us’ section of our website contains details of the ways you can contact Customer Care to discuss your concerns.
If the complaint remains unresolved you may refer the matter to our recognised External Dispute Resolution scheme (“EDR”). We are a member of the Australian Financial Complaints Authority (“AFCA”). AFCA independently and impartially resolves disputes between consumers and participating members on matters including privacy. You can contact AFCA on the following details:
Alternatively, you may refer the matter to the Office of the Australian Information Commissioner (the “OAIC”). You can contact OAIC on the following details:
The Office of the Australian Information Commissioner
By Post: GPO Box 2999 , Canberra ACT 2601
By Telephone: 1300 363 992
By Fax: 02 9284 9666
If you have any queries regarding the Motor Finance Wizard Credit Reporting Policy please contact us:
By Post: PO Box 3100, Southport, QLD 4215
By Telephone: 1800CARLOAN (1800227562)
By Fax: 07 5585 4520
* The ACL Group of companies to which this policy applies are:
Affordable Car Centre Pty Ltd, Affordable Car Leasing Pty Ltd, Affordable Car Loans Pty Ltd, DTGN1 Pty Ltd, DTGQ1 Pty Ltd, KWIK Finance (QLD) Pty Ltd, KWIK Finance Pty Ltd, Motor Finance Wizard Pty Ltd.