Quick and Easy Finance - Quick Cash, Affordable Rates, Easy Loans

AT QUICK AND EASY FINANCE WE RESPECT YOUR PRIVACY

The Commonwealth Government has passed legislation that protects personal information. In order to ensure that your right to privacy is upheld at all times, Quick and Easy Finance has developed the following Privacy Policy to satisfy requirements of the National Privacy Principles contained in the legislation.

What is your personal information?

Personal information is any information or an opinion about you. It may range from the very sensitive (e.g. union membership) to the everyday (e.g. address and phone). It would include the opinions of others about your credit worthiness, and other information obtained by us in connection with your Personal Loan application.

Your Personal Information…

By submitting an application for a Personal Loan, the applicant authorises Quick and Easy Finance and any of its agents (as defined in 18L(4) of the Privacy Act) to obtain a report from a credit reporting agency and other information relating to their personal and commercial credit activities. The applicant authorizes Quick and Easy Finance to obtain and to give information about their personal and commercial credit arrangements from:

any credit provider named in a personal or commercial credit report issued by a credit reporting agency,

credit providers named in this application,

any agent of Quick and Easy Finance (as defined in the Act).

Who will be collecting your personal information?

Your personal information will be collected by Quick and Easy Finance for its intended purpose only.

How your information will be collected…

Personal information will be collected from you directly when you fill out and submit one of our Personal Loan application forms or supply any other information in connection with your application to us for assessment, evaluation and establishment.

Personal information will also be collected and exchanged when:

we receive any reference about you,

we exchange information about your credit arrangements with credit providers,

we receive results of inquiries that we might make of your former employers, professional associations or registration body,

we receive the results of any consumer credit reports from a credit reporting agency for the purpose of assessing your application for credit,

we receive any information about any credit infringement, insurance investigation, bad debt, overdue loan repayments, litigation, registration or professional disciplinary matter, criminal matter, inquest or inquiry in which you are involved, or

you provide us with any additional information about you.

Your information will be used…

Your personal information may be used in connection with:

your actual Personal Loan application,

our assessment of your credit worthiness,

any test or assessment that you might be required to undergo,

our management of any complaint, investigation or inquiry in which you are involved,

any insurance claim or proposal that requires disclosure of your personal or sensitive information,

notifying other credit providers when you do not meet your credit obligations,

assessing your position if you fail to make payments or breach your contract,

assisting you to meet your credit obligations.

By submitting a Personal Loan application you authorize and consent that Quick and Easy Finance can obtain personal information about you to verify your personal details in this Personal Loan application (including the authenticity of identification documents).

Information can include any details which can be shared under the Privacy Act and includes but is not limited to your credit worthiness, credit standing, credit history or credit capacity.

The Privacy Act allows Quick and Easy Finance to give a credit reporting agency certain information about you. Quick and Easy Finance can notify a credit reporting agency:

of information that enables you to be identified as the applicant,

that you have applied to Quick and Easy Finance for a certain amount of credit,

that, if your Personal Loan application is successful, Quick and Easy Finance is providing you with credit,

if, in Quick and Easy Finance’s opinion, you have committed a serious credit infringement (for example, Quick and Easy Finance thinks you do not intend to repay your Personal Loan or meet your credit obligations),

of any payment you are required to make to Quick and Easy Finance which is more than 60 (sixty) days overdue and where Quick and Easy Finance has started debt recovery action against you.

Your personal information may be disclosed to…

potential and actual lenders to Quick and Easy Finance,

agents of Quick and Easy Finance,

referees,

guarantors,

our insurers,

any registration body that has a proper interest in the disclosure of your personal information,

any credit reporting agency used by Quick and Easy Finance,

guarantor or intending guarantor of any proposed credit facility,

any person with a lawful entitlement to obtain the information.

If you do not give us the information we seek…

we may be limited in our ability to provide suitable credit facilities for you, and

we may be limited in our ability to make loans available.

Access to your information should it require correction…

Subject to some exceptions that are set out in the National Privacy Principles (Principle 6 - Access and Correction), you have a right to see and have a copy of personal information about you that we hold.

If you are unable to agree that personal information that we hold about you is accurate, complete and up-to-date, you may ask us to place with the information a statement by you that claims that particular information is not accurate, complete and up-to-date.

If you wish to exercise your rights of access and correction you should contact Quick and Easy Finance in writing.

How your information is stored…

Your personal information may be stored either electronically or in paper documents.

Only authorised users in Quick and Easy Finance can access your personal information, and access is only for approved purposes.

All employees at Quick and Easy Finance are bound by the highest principles of confidentiality and access to clients’ personal information and data is limited.

We protect all personal information that we hold from potential or actual misuse and loss. We also protect it from unauthorised access, modification and disclosure.

Online security and privacy…

We understand that the applicant may be concerned about the confidentiality and security of any information that is transmitted online. As a result, Quick and Easy Finance has implemented appropriate systems and firewalls to protect the personal information we collect about you online. We have ensured that our online dealings with you are both secure and confidential.