Privacy Policy
We need to collect personal information about you to provide you with our services. This privacy statement tells you how we collect your information, what we use the information for and who we share the information with. If we collect information that can be used to identify you, we will take reasonable steps to notify you of that collection.
How information is collected from you
We will collect your information from you directly whenever we can, like from enquiries we make of you when you seek credit assistance from us. We may verify that information from sources referred to in the responses to those enquiries or in this privacy statement.
How information is collected from other sources
Sometimes we will collect information about you from other sources as the Privacy Act 1988 permits. We will do this only if it’s reasonably necessary to do so, for example, where:
• we collect information from third parties about a loan or lease in relation to which you seek our services;• we can’t get hold of you and we rely on public information (for example, from public registers or social media) or made available by third parties to update your contact details; or
• we exchange information with your legal or financial advisers or other representatives. When the law authorises or requires collection of information Some law may require us to collect personal information about you. For example, we may require your information to verify your identity under Australian Anti-Money Laundering law. How your information may be used We may use your information for purposes including:
• giving you information about related services including help, guidance and advice;
• considering whether you are eligible for a related service you requested including identifying or verifying you or your authority to act on behalf of a customer;
• administering services we provide, for example, to answer requests or deal with complaints;
• telling you about other products or services we make available and that may be of interest to you, unless you tell us not to;
• identifying opportunities to improve our service to you and improving our service to you;
• telling you about other suppliers, with whom we have arrangements, that supply goods or services that may be of interest to you;
• allowing us to run our business efficiently and perform general administrative tasks;
• preventing or investigating any fraud or crime or any suspected fraud or crime;
• as required by law, regulation or codes binding us; and
• any purpose to which you have consented. You can let us know at any time if you no longer wish to receive direct marketing offers from us. We will process your request as soon as practicable.
Sharing Your Information
General
We may use and share your information with other organisations for any purpose described above.
Sharing with third parties
We may share your information with third parties in relation to services we provide to you or goods or services in which we reasonably consider you may be interested. Those third parties may include:
• financial services suppliers with whom we have arrangements;
• organisations, like fraud reporting agencies, that may identify, investigate and/or prevent fraud, suspected fraud, crimes, suspected crimes, or other misconduct
• government or regulatory bodies as required or authorised by law. In some instances, these bodies may share the information with relevant foreign authorities;
• service providers, agents, contractors and advisers that assist us to conduct our business for purposes including, without limitation, storing or analysing information;
• any organisation that wishes to take an interest in our business or assets; and
• any third party to which you consent to us sharing your information.
Sharing outside of Australia
We may use overseas organisations to help conduct our business. As a result, we may need to share some of your information (including credit information) with such organisations outside Australia. The countries in which those organisations are located are:
• Philippines
• South Africa
We may store your information in cloud or other types of networked or electronic storage. As electronic or networked storage can be accessed from various countries via an internet connection, it’s not always practicable to know in which country your information may be held. If your information is stored in this way, disclosures may occur in countries other than those listed.
Overseas organisations may be required to disclose information we share with them under a foreign law. In those instances, we will not be responsible for that disclosure.
Privacy Policy
You can find out more about how we manage your information by reading our Privacy Policy available by contacting us via email info@readytobuy.com.au [Also, you can read and obtain a copy of that policy at our website www.readytobuy.com.au]. Our Privacy Policy sets out how you can ask us to access and seek to correct information we hold about you and how you may complain against us about a privacy issue.
Information about other people
If you give information to us about another person (like your co-applicant) in relation to the services we provide, you will let that other person know that:
• we have collected their information to provide those services or for any other purpose set out in this privacy notice;
• we may exchange this information with other organisations set out in this privacy notice;
• we handle their personal information in the way set out in our Privacy Policy and this privacy notice and they can:
- access or request a copy of that privacy policy or this privacy notice; or
- access the information we hold about that other person, by using our contact details above; and
• we may not be able to provide those services to you unless we obtain their information
