Consent to Collect Personal Information

By accepting the following terms and conditions you consent to Securegistry Pty Ltd ACN 616 322 484 and our related companies from time to time (collectively, “eGuarantee”, “our”, “we” or “us”) collecting, storing, using, sharing and disclosing Personal Information about you in accordance with our Privacy Policy (as updated from time to time).

Personal Information has the same meaning that it has under the Privacy Act 1988 (Cth) (“Privacy Act”), namely, information means information or an opinion about an identified individual or an individual who is reasonably identifiable, whether the information or opinion is true or not and recorded in a material form or not.

We may use Personal Information about you for the purpose of providing you with credit, for direct marketing of products and services, and to enhance our products and services offered by us or any of our related companies. The Personal Information provided by you will be held by us in accordance with our Privacy Policy.

You can gain access to the Personal Information held about you by contacting us on 1300 561 804. You have the right to request not to receive direct marketing material by advising us at any time. It is not mandatory for you to provide us with the Personal Information that we request – however if you do not do so it may affect the products and services that we can provide to you.

You consent that we (including any of our overseas associates on our behalf) can do any of the following at any time:

The purposes for which we may collect, hold, use and disclose your Personal Information and credit information in accordance with the Privacy Act and credit reporting regime is to provide our products and services to you, to assess credit applications, determining your credit eligibility or worthiness, assist in the collection of overdue payments or debt assignments, to administer or enforce any guarantee, internal management purposes, such as risk management, to prevent defaults or financial hardship, to assist other credit providers, credit reporting bodies or third-party providers, or as otherwise permitted by law.

Seek and use landlord information and rental confirmation from your current landlord, including whether you have ever defaulted on a rental payment under the terms of your lease.

We may obtain your Personal Information and credit information from credit reporting bodies and/or such credit reporting bodies may provide your Personal Information and credit information to us. These credit reporting bodies, include but are not limited to [insert]. To view the policies for each credit reporting body, use the details below:

•  Equifax https://www.equifax.com.au/ 13 8332 GPO Box 964, NORTH SYDNEY NSW 2059

Information that we disclose or receive from credit reporting bodies may include:

• your identification details (such as full name, date of birth, gender, your current (or last known) address and previous two addresses and your driver’s licence number);
• the name of your current (or last known) employer
• the names of any credit providers that have provided you with credit, and whether they are licenced by ASIC;
• the type of credit provided by those credit providers;
• the day on which that credit was made available to you and (if relevant) terminated
• the limit on that credit;
• certain terms and conditions of that credit, including limited information about your repayment and interest obligations;
• repayment history information, which is information about whether you have made a credit payment on time, or whether you have missed a payment
• financial hardship information, which is reported against your repayment history information;
• that a credit provider has requested access to information held in your consumer credit report in connection with an application that you have made to that credit provider for consumer or commercial credit (an information request, more commonly known as a credit enquiry);
• the type and amount of consumer or commercial credit that you sought in that application; and
• that you have defaulted on a consumer credit payment of $150 or more (this means that you are at least 60 days overdue in making the payment).

We may ask credit reporting bodies to use their information to vet you for direct marketing. You can ask a credit reporting body not to do this. In addition, if you have or suspect you have been a victim of fraud, you can ask the credit reporting body not to use or disclose any information it holds about you.

By obtaining from you access to your internet banking, our third-party service provider will access your Personal Information for the purpose of providing your bank account information to us. We will obtain up to the last twelve (12) months bank transactions on the date you apply for a product from us, in addition to further ongoing bank transactions for the term of said product, for the purpose of assessing any future application or making any future offer to you. We note that your bank’s terms may prohibit you from sharing your login, so you agree to appoint our third-party service provider as your agent to access your internet banking on your behalf solely for these purposes and you consent to our ongoing access to this information for the term of the product and the purposes outlined above.

We disclose Personal Information about you to a credit reporting agency for the purpose of verifying your identity against the information held on your credit file. Should you not agree to have your identity verified by these means, please contact us so that we can discuss other options with you.

If you provide any Personal Information to us about another person, you confirm that you have the authority of that person to share their Personal Information with us and to permit us to hold, use and disclose their Personal Information in accordance with our Privacy Policy. You must inform them of their rights to access and request correction of their Personal Information set out in our Privacy Policy (as updated from time to time).