PERSONAL AND CREDIT INFORMATION PRIVACY ACT 1988
AUTHORISATION AND CONSENT TO ACT ON BEHALF OF INDIVIDUALS
AND MANAGE PERSONAL INFORMATION
Debt Consolidation Experts provides access to online finance through
cooperation with several financial institutions. Debt Consolidation Experts
affiliates deal directly with credit providers and credit
reporting agencies. Completion of this form will provide
authority for Debt Consolidation Experts to arrange the provision
of finance to you.
In this document, unless the context otherwise requires:
“Act” means the Privacy Act 1988 (Cth);
“Approached Credit Provider” means a credit provider that
Debt Consolidation Experts may approach in arranging finance pursuant
to the Application;
“Approached Insurance Provider” means an insurance provider
that Debt Consolidation Experts may approach in arranging insurance
pursuant to the Application;
“Debt Consolidation Experts” means:
(i) Debt Consolidation Experts ;
(ii) any and all:
(a) associated entities of Debt Consolidation Experts
(b) independent contractors appointed by Debt Consolidation Experts;
and
(c) franchisees to whom Debt Consolidation Experts passes the Application;
and
(d) independent contractors appointed by the franchisees
described at (c) above to whom or which any of the parties
listed at (i) to (iii) above passes the Application; and
"finance" means any form of financial accommodation
including, but not limited to, loans, leases, rentals or
hiring; and
"insurance" means any form of insurance facility
including, but not limited to, motor vehicle comprehensive,
loan protection, equity protection ("gap"), title,
or mechanical breakdown warranty.
I/We appoint Debt Consolidation Experts as my/our agents to arrange,
and assist in the management of, finance or insurance facilities
(or both) as detailed in the application I am/we are completing
on this website (“Application”).
1. ACKNOWLEDGEMENT OF DISCLOSURE OF CREDIT INFORMATION
TO A CREDIT REPORTING AGENCY
I/We acknowledge and agree that under Section 18E(8)(c)
of the Act, an Approached Credit Provider may give a credit
reporting agency certain personal information about my/our
Application.
The information which may be given to a credit reporting
agency is covered by Section 18E(1) of the Act and includes:
information reasonably required to identify me/us;
the fact that I/we have applied for finance and the amount;
the fact that the Approached 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 dishonoured
more than once;
in specific circumstances, that in the opinion of the Approached
Credit Provider, I/we have committed a serious credit infringement;
and
that finance provided to me/us by the Approached Credit
Provider has been paid or otherwise discharged.
2. 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; and
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, for the purpose of assessing the Application
or any other purpose permitted by the Act, an Approached
Credit Provider may give to and seek from any credit providers
named in the 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 may include information about my/our credit
worthiness, credit standing, credit history or credit capacity
that credit providers are allowed to give or receive from
each other under the Act.
3. AUTHORISATION TO ACT ON BEHALF OF INDIVIDUALS
For the purposes of arranging the finance which is the subject
of my/our Application, I/we authorise Debt Consolidation Experts 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 authorise Debt Consolidation Experts to pass on the above
obtained reports to such Approached Credit Providers as
are appropriate, for their consideration of this Application.
4. COLLECTION AND MANAGEMENT OF PERSONAL INFORMATION
I/We acknowledge and agree that:
a) it is necessary for Debt Consolidation Experts to collect personal
information regarding me/us from both ourselves and other
parties, to enable Debt Consolidation Experts 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 Debt Consolidation Experts will not be able to seek the requested
facilities from Approached Credit Providers and Insurers;
b) the information collected may be disclosed to, and used
by, Debt Consolidation Experts, Approached Credit Providers and Insurers
to the degree that each entity considers reasonable and
necessary in considering and arranging the requested facilities;
c) subject to the Act and any other applicable law, Debt Consolidation Experts, 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;
d) Debt Consolidation Experts is represented by franchisees in certain
areas and I/we agree that where applicable the Application
may be passed to any relevant franchisee who has agreed
to abide by the provisions of this Authorisation and Consent,
and the Debt Consolidation Experts Privacy Policy generally;
e) Debt Consolidation Experts may retain the information obtained
and, at its discretion, provide to me/us, from time to time
information about Debt Consolidation Experts 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 ADVISING Debt Consolidation
Experts. IF THE CANCELLATION REQUEST RELATES SPECIFICALLY
TO Debt Consolidation Experts, OR ONE OF ITS FRANCHISEES
OR CONTRACTORS, THEN Debt Consolidation Experts SHOULD BE
CONTACTED AT THE ADDRESSES LISTED AT h) BELOW.
f) Debt Consolidation Experts 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;
g) the appointment provided herein is an ongoing one and
if an Approached Credit Provider or Insurer has, as a result
of an application on my/our behalf by Debt Consolidation Experts or
Contractors, provided facilities to me/us then that Credit
Provider or Insurer is authorised to provide information
to Debt Consolidation Experts from time to time relating to the subsequent
conduct of the facility;
h) I/we can gain access to the personal information I/we
have provided, or obtain more information on the Debt Consolidation Experts
Privacy Policy, by contacting Debt Consolidation Experts by email.
I/we can gain access to personal information held by Debt Consolidation Experts and its franchisees and contractors to which
it has passed my/our personal information or obtain more
information on Debt Consolidation Experts privacy policy, by contacting
the Debt Consolidation Experts privacy officer by email. I/we understand
that Debt Consolidation Experts will pass privacy requests and enquiries
to any franchisee or contractor or financial institution
where requested to do so and Debt Consolidation Experts will endeavour
to assist with all privacy enquiries relating to its franchisees
and contractors;
i). Without limitation, Debt Consolidation Experts has no responsibility
or liability in relation to any advice or information provided
by its affiliated financial institutions. .