Finance Rate Application Privacy and Credit Reporting Notice for Individuals
Effective: 28 November 2023
This notice sets out how Angle Auto Finance Pty Ltd ACN 161 130 696 (“we”, “us” or “our”), collects, uses, stores and discloses your personal information and credit eligibility information as permitted under the Privacy Act 1988 (Cth) (the “Privacy Act”) and the Privacy (Credit Reporting) Code (the “Code”).
1. Collection, use and disclosure of your information
We collect, use and disclose your personal information (such as your name, address and contact details) and your credit score (which is a type of credit eligibility information) in order to provide you with a finance rate or estimate of repayments for any finance that you might apply for from us and to communicate with you about your application and to respond to your enquiries. As part of the application process for a finance rate, we will disclose your personal information to a credit reporting body. We will collect your credit score from this credit reporting body and use and disclose your credit score for the purposes listed above.
If we cannot collect your personal information or your credit score, we may be unable to provide you with a finance rate for any loan that you apply for or we may not be able to provide finance or other products or services to you.
2. Our Statement of Notifiable Matters
Our Statement of Notifiable Matters is available on our website at angleauto.com.au/important-documents. You can also request a hard copy from us by calling us on 1300 561 869. This statement contains information on:
- the credit reporting bodies that we deal with, including how these credit reporting bodies may use the information we provide to them, how to contact these bodies and how to obtain a copy of their credit reporting policies; and
- your rights relating to your credit eligibility information, including to access or correct that information, to complain about our handling of that information, to request that credit reporting bodies limit the use of your information for direct marketing purposes and what protections are available if you believe you are a victim of fraud.
3. Third parties that we disclosure your information to
In addition to disclosing information to credit reporting bodies, we may disclose your personal information and credit eligibility information to the parties described in our Privacy Policy and our Credit Reporting Policy and in particular to:
- our related entities, service providers and commercial partners who assist us by, for example, providing IT services, data analytics services, back-office management services or customer acquisition and onboarding services;
- our professional advisers and agents (including our auditors, insurers, brokers and legal and tax advisers);
- any third party who introduced you to us (including car dealerships and salary packaging providers); and
- state and federal government agencies, regulatory bodies and law enforcement agencies or other persons as required or permitted by law.
4. Overseas disclosure
We may disclose your personal information and credit score to entities outside of Australia. These entities include our related entities and service providers located in the United States of America, the Philippines and India.
5. Our Policies and contact details
Our Privacy Policy (available at angleauto.com.au/privacy) and our Credit Reporting Policy (available at angleauto.com.au/important-documents) contain more information about how to access or correct your personal information or credit eligibility information that is held by us, how you can complain about a breach of privacy laws by us and how we will deal with such a complaint. If you have any questions or would like to exercise any of your rights, please contact our Customer Experience team by email to customerexperience@angleauto.com.au, by telephone on 1300 561 869, or by post at Attn: Customer Experience, Angle Auto Finance, PO Box 20125, World Square NSW 2002.