Privacy Policy

Thank you for taking the time to read our Privacy Policy. You are a valued customer.

PRIVACY ACT 1988 (AS AMENDED) AUTHORISATION AGREEMENT

AUTHORISATION TO ACT ON BEHALF OF INDIVIDUALS AND MANAGE PERSONAL INFORMATION

I/We appoint All Choice Lending Pty Ltd ACN: 605 554 121 and its associated entities,(“All Choice Lending”) and any independent contractors it has appointed to assist in providing services to me/us (“Contractors”) as our agents to arrange finance and/or insurance facilities as detailed in Section 5 hereof. I understand and agree that All Choice Lending Pty Ltd and Contractors may pay to and receive from third parties fees and/or benefits in relation to this appointment and the provision of these services.

In this document:

  • The term “finance” refers to any form of financial accommodation including, but not limited to, loans, leases, rentals or hiring.
  • The term “insurance” refers to any form of insurance facility including, but not limited to, motor vehicle comprehensive, loan protection, Vehicle Return Protection (vrp) equity protection (gap), title, or mechanical breakdown warranty.
  1. ACKNOWLEDGEMENT THAT ALL CHOICE LENDING PTY LTD MAY DISCLOSE PERSONAL AND CREDIT INFORMATION TO A CREDIT REPORTING AGENCY 
I/We agree that under Section 189E(8)(c) of the Privacy Act, a Credit Provider which ALL CHOICE LENDING PTY LTD and Contractors may approach in arranging my/our finance (hereinafter an “Approached Credit Provider”), may give a credit reporting agency certain personal information about my/our application for finance. The information which may be given to an agency is covered by Section 18E(1) of the Act and includes:
  • Such permitted particulars about me/us which allow me/us to be identified;
  • The fact that I/we have applied for finance and the amount;
  • The fact that the Credit Provider is a current credit provider to me/us;
  • Payments which become overdue more than 60 days, and for which collection action has commenced;
  • Advice that payments are no longer overdue;
  • Certain cheques drawn by me/us which have been dishonored more than once;
  • In specific circumstances, that in the opinion of the Credit Provider, I/we have committed a serious credit infringement;
  • That finance provided to me/us by the Credit Provider has been paid or otherwise discharged.

By virtue of this declaration, I/we understand that All Choice Lending and/or Contractors have informed me/us of the disclosure policy to a credit-reporting agency of information about me/us by Approached Credit Providers and so authorize such disclosures.

  1. AGREEMENT / AUTHORITY FOR AN APPROACHED CREDIT PROVIDER TO PERFORM CERTAIN PERMITTED ACTIONS CONCERNING A FINANCE APPLICATION OR TRANSACTION 
I/We agree that, if it is considered relevant in assessing my/our application for personal credit, an Approached Credit Provider may obtain a report about my/our commercial activities or commercial credit worthiness from a business, which provides information about the commercial credit worthiness of persons.

I/We agree that, if it is considered relevant in assessing my/our application for commercial credit, an Approached Credit Provider may obtain from a credit-reporting agency a credit report containing personal credit information about me/us/I/we agree that an Approached Credit Provider may give to and seek from any credit providers named in the accompanying finance application, and any credit providers that may be named in a personal or commercial credit report issued by a credit reporting agency or commercial credit reporting agency respectively, information about my/our personal or commercial credit arrangements. I/We understand that this information can include any information about me/our credit worthiness, credit standing, credit history or credit capacity that credit providers are allowed to give or receive from each other under the Privacy Act.

  1. AUTHORISATION TO ACT ON BEHALF OF INDIVIDUALS 
For the purposes of arranging the finance which is the subject of my/our application, the details of which appear below, I/we authorize All Choice Lending Pty Ltd and Contractors to obtain, on my/our behalf, a report about my/our consumer and commercial credit worthiness from a credit reporting agency or a commercial credit reporting business or from a credit provider named in my/our application or referred to in such reports. I/We also authorize All Choice Lending Pty Ltd and Contractors to pass on the above-obtained reports to such Approached Credit Providers as are appropriate, for their consideration of this application.
  2. COLLECTION AND MANAGEMENT OF PERSONAL INFORMATION 
I/We acknowledge and agree that:
  • it is necessary for All Choice Lending Pty Ltd and Contractors to collect personal information regarding me/us from both ourselves and other parties, to enable All Choice Lending Pty Ltd and Contractors to apply, on my/our behalf, for the finance and insurance facilities requested. I/We understand that if I/we do not provide the information then All Choice Lending Pty Ltd and Contractors will not be able to seek the requested facilities from Approached Credit Providers and Insurers.
  • the information collected may be disclosed to, and used by, All Choice Lending Pty Ltd, Contractors, Approached Credit Providers and Insurers to the degree that each entity considers reasonable and necessary in consideration and arranging the requested facilities.
  • All Choice Lending Pty Ltd, Contractors, Approached Credit Providers and Insurers may provide information collected as above to any parties (such as referees, employers etc) named in the application to the extent they deem necessary to assist in assessing and arranging the requested facilities.
  • All Choice Lending Pty Ltd may retain the information obtained and, at its discretion, provide to me/us, from time to time information about All Choice Lending Pty Ltd products and services. The provision of this information may be by telephone, mail or electronic media (such as e-mail).

IF SUCH INFORMATION IS NOT REQUIRED THEN I/WE UNDERSTAND THAT THIS PROVISION MAY BE CANCELLED BY DELETING AND INITIALLING THIS CLAUSE OR BY LATER ADVISING ALL CHOICE LENDING PTY LTD IN WRITING, AT INFO@ALLCHOICELENDING.COM.AU.

  • All Choice Lending Pty Ltd may disclose relevant parts of my/our personal information to third parties it engages, to assist in the provision of its services to me/us including mailing houses and IT contractors.
  • I/We can gain access to the personal information I/we have provided, or obtain more information on the All Choice Lending Privacy Policy, by contacting All Choice Lending at info@allchoicelending.com.au
  1. FACILITIES SOUGHT
 Purpose: To arrange Finance and/or Insurance Facilities
  2. EXECUTION 
I/We agree and acknowledge the terms of the document. I/We also warrant that the personal information provided by me/us in our application is true and correct and understand that All Choice Lending Pty Ltd and Contractors will be relying on the integrity of same in seeking to arrange the facilities required.
  3. GUARANTOR PARTIES AGREEMENT *(If Applicable) 
I/We agree that the Approached Credit Provider may seek a credit report concerning me/us from a credit-reporting agency to assess whether to accept me/us as a guarantor of the finance commitments for the above-named Applicant Parties (Section 18K(1)(c)). 

I/We also agree to All Choice Lending Pty Ltd, Contractors, Approached Credit Providers and Insurers collecting, retaining, disclosing and using my/our personal information to the degree and for the purposes described in paragraph 4 above.

 I/We understand that I/we can obtain access to the personal information I/we have provided as described in paragraph 4(f) above.

© Copyright 2018 | All Choice Lending

Privacy Policy