BizCarLoans.com.au – Privacy Policy
This Privacy Policy describes how BizCarLoans (“we”, “us”, or “our”) collects, uses, and shares information about you when you use the BizCarLoans.com.au website (the “Service”). This policy is in accordance with the Australian Privacy Principles (APPs) in the Privacy Act 1988 (Cth) (“Privacy Act”) and applies to all visitors, users, and others who access or use the Service.
1. Collection of Information
We collect information you provide directly to us. This may include your name, email address, postal address, phone number, and any other information you choose to provide when you apply for a business finance product, fill out a form, or communicate with us in any way.
2. Use of Information
We use the information we collect to provide, maintain, and improve our Service, to process transactions, respond to your comments, questions and requests, and for other business purposes.
3. Sharing of Information
We may share information about you as follows:
- To Prospective Funders or Other Intermediaries: In relation to your finance requirements;
- To Other Organisations: That are involved in managing or administering your finance such as third-party suppliers, printing and postal services, call centres;
- To Associated Businesses: That may want to market products to you;
- To Infrastructure Providers: Companies that provide information and infrastructure systems to us;
- To Representatives: Anybody who represents you, such as finance brokers, lawyers, and accountants;
- With Your Consent: To anyone, where you have provided us consent;
- For Legal Reasons: Where we are required to do so by law, such as under the Anti-Money Laundering and Counter Terrorism Financing Act 2006 (Cth);
- To Investors and Advisers: Investors, agents, or advisers, or any entity that has an interest in our business;
- To Verification Services: Your employer, referees, or identity verification services.
Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:
- Commitment to Privacy: The person or organisation has a commitment to protecting your personal information at least equal to our commitment, or
- Your Consent: You have consented to us making the disclosure.
4. Security
We take reasonable measures to protect your information from loss, theft, misuse, unauthorized access, disclosure, alteration, and destruction. However, the Internet is not 100% secure. We cannot guarantee the security of your information.
5. Accessing and Updating Your Information
You may access and update your information by contacting us directly. We will respond to your request within a reasonable timeframe.
6. Changes to This Policy
We may change this Privacy Policy from time to time. If we make changes, we will notify you by revising the date at the bottom of the policy and, in some cases, we may provide you with additional notice. We encourage you to review the Privacy Policy whenever you access the Service to stay informed about our information practices.
7. Marketing Material
By submitting your details into this website you agree to receive emails, phone calls and sms and any other direct marketing from us bizcarloans and any of our partners.
BizCarLoans.com.au – Credit Reporting Policy
1. Collection of Credit Information
When you apply for a loan through our service, we may collect credit-related information about you. This includes the type and amount of credit provided to you, repayment history information, default information, payment information, new arrangement information, and court proceedings information.
2. Use of Credit Information
We use the credit-related information to assess your eligibility for a loan and to assist in managing the lending process. This includes considering your application for credit, assisting you to avoid defaulting on your credit obligations, and collecting overdue payments.
3. Disclosure of Credit Information
We may disclose your credit-related information to credit reporting bodies, to our partner Amfin Pty Ltd, to other credit providers, or to debt collection agencies as permitted by law.
4. Access and Correction of Credit Information
You have the right to request access to the credit-related information we hold about you. If you believe any of the credit-related information we hold about you is incorrect, incomplete, or out of date, you may also request the correction of that information.
5. Complaints
If you believe that we have not complied with our obligations relating to your credit-related information, you can make a complaint by contacting us. We will respond to your complaint promptly and will endeavour to resolve it within 30 days.
6. Changes to This Policy
We may change this Credit Reporting Policy from time to time. If we make changes, we will notify you by revising the date at the bottom of the policy and, in some cases, we may provide you with additional notice. We encourage you to review the Credit Reporting Policy whenever you access our service to stay informed about our credit reporting practices.
Contact Us
If you have any questions about these Policies, please contact us at hello@bizcarloans.com.au or call us at 1300 617 673.
Last updated: 5th August, 2023
Ground Floor 100 Douglas Parade, Williamstown, Victoria 3016