'We', 'us' and 'our' refer to Money 3 Loans Pty Ltd (trading as Money3 Loans), ACN 108 979 406, Australian Credit Licence 389067 and its related entities and businesses.
We recognise that any personal information we collect about you will only be used for the purposes we have collected it or as allowed under the law. It is important to us that you are confident that any personal information we hold about you will be treated in a way which ensures protection of your personal information.
Our commitment in respect of personal information is to abide by the Australian Privacy Principles for the protection of personal information, as set out in schedule 1 of the Privacy Act 1988 (Cth) (the Act) and any other relevant law.
When we refer to personal information we mean information from which your identity is reasonably apparent. This information may include information or an opinion about you. The personal information we hold about you may also include credit information.
Credit information is information which is used to assess your eligibility to be provided with finance and will generally include the type and amount of credit provided to you, repayment history information, default information (including overdue payments) and court information. Usually, credit information is exchanged between credit and finance providers and credit reporting bodies.
The kinds of personal information we may collect about you include your name, date of birth, address, account details, occupation, and any other information we may need to identify you.
If you are applying for finance we may also collect the ages and number of your dependants and cohabitants, the length of time at your current address, your employment details and proof of earnings and expenses.
We collect personal information for the purposes of assessing your application for finance and managing that finance. We may also collect your personal information for the purposes of direct marketing and managing our relationship with you. From time to time we may offer you other products and services. Furthermore, we may collect your personal information to improve our level of service, develop our expertise and know-how and for training and quality assurance purposes.
We collect, hold and use your personal information for various purposes, including:
To enable us to maintain a successful business relationship with you, we may disclose your personal information to other organisations that provide products or services used or marketed by us. We may also disclose personal information to any other organisation that may have or is considering having an interest in your finance, or in our business.
Where reasonable and practical we will collect your personal information directly from you, including when you interact with us over the phone and via email or when you submit an application with us. We may also collect your personal information from third parties where required. This may include your personal information from credit reporting bodies, finance brokers, other people such as accountants and lawyers, and via ‘cookies’ when you access our website via our advertisements on third party websites.
Our website may contain links to the websites of third party providers of goods and services. If you have accessed Third Party websites through our website and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties.
Where you access a Third Party website from our website, cookie information, information about your preferences or other information you have provided about yourself may be shared between us and the third party.
We use ‘cookies’ to provide you with better and more customised service and with a more effective website.
A ‘cookie’ is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your internet browser.
Your IP address is the identifier for your computer when you are using the internet.
It may be necessary for us to collect your IP address for your interaction with various parts of our website.
When you send a completed online application to us, we retain the information contained in that application. We are able to then use that information to provide any financial services that you require.
You can also suspend and save online applications, so you can complete and send the applications at a later time. If you suspend or save your application, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application. Online applications that have been suspended or saved may be viewed by us.
The security of your information is very important to us.
We regularly review developments in security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as totally secure.
We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorised access, modification or disclosure.
If we no longer require your information, and we are legally permitted to, we will take all reasonable steps to destroy or de-identify the information.
We take reasonable steps to preserve the security of cookie and personal information in accordance with this policy. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted).
We may disclose your personal information:
Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:
We may use cloud storage to store the personal information we hold about you. The cloud storage and the IT servers may be located outside Australia.
We will take such steps as are reasonable in the circumstances to protect your personal information from misuse, interference and loss, and from unauthorised access, modification or disclosure.
We may collect the following kinds of credit information and exchange this information with credit reporting bodies and other entities including (without limitation) Go Car Finance Limited and Automotive Financial Services Pty Limited for the purposes of assessing your credit application:
When we obtain credit information from a credit reporting body about you, we may also seek publicly available information and information about any serious credit infringement that you may have committed.
We may disclose your credit information to overseas entities in New Zealand and the Philippines that provide support functions to us.
We may also disclose your information to overseas recipients for analytical and business purposes. You may obtain more information about cross-border disclosures by contacting us via the contact details at the bottom of this policy.
We exchange your credit information with credit reporting bodies to assess your creditworthiness, and thereby assess your application for finance and manage your finance moving forward.
If you fail to meet your payment obligations in relation to any finance that we have provided or arranged or you have committed a serious credit infringement then we may disclose this information to a credit reporting body.
You have the right to request access to the credit information that we hold about you and make a request for us to correct that credit information if needed. Please see the heading "Access and Correction to your Personal and Credit Information", below.
Sometimes your credit information will be used by credit reporting bodies for the purposes of ‘pre-screening’ credit offers on the request of other credit providers. You can contact the credit reporting body at any time to request that your credit information is not used in this way.
You may also contact the credit reporting body to advise them that you believe that you may have been a victim of fraud. For a period of 21 days after the credit reporting body receives your notification the credit reporting body must not use or disclose that credit information. You can contact any of the following credit reporting bodies, which we interact with, for more information:
From time to time we may use your personal information to provide you with current information about finance, offers you may find of interest, changes to our organisation, or new products or services being offered by us or any company with whom we are associated.
If you do not wish to receive marketing information, you may at any time decline to receive such information by telephoning us on 1300 329 131 or by writing to us at Level 1, 40 Graduate Rd BUNDOORA VIC 3083.
If the marketing communication is by email or text you may also use the unsubscribe function. We will not charge you for giving effect to your request and will take reasonable steps to meet your request at the earliest possible opportunity.
By using the unsubscribe function you will only unsubscribe from marketing from the entity / brand who sent you the communication and to that method of delivery. Please let us know if you would like to unsubscribe from all marketing from Money3 Loans and related entities. We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity.
You may request access to any of the personal information we hold about you at any time. We may charge a fee for our costs of retrieving and supplying the information to you.
We will endeavour to respond to you within seven days of receiving your request noting that we may need to contact other entities to properly investigate your request.
In limited situations we may not comply with your request for access to your personal information, for example, if the information relates to existing or anticipated legal proceedings, or if your request is vexatious.
An explanation will be provided if we deny you access.
If any of the personal information we hold about you is incorrect, inaccurate or out of date you may request that we correct the information. If appropriate we will correct the personal information at the time of the request otherwise, we will provide an initial response to you within seven days of receiving your request. Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the personal information within 30 days.
We may need to consult with other finance providers or credit reporting bodies or entities as part of our investigation.
If we refuse to correct personal information we will provide you with our reasons for not correcting the information.
If we collect 'government related identifiers', such as your Medicare number, tax file number, driver’s licence number or Australian passport number we do not use or disclose this information other than as required by law or where it is reasonably necessary to verify your identity in order to provide our services.
In most circumstances it will be necessary for us to identify you in order to successfully do business with you, however, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information, for example, if you make general inquiries about interest rates or current promotional offers.
We will only collect sensitive information about you with your consent. Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.
We will take reasonable steps to protect your personal information by storing it in a secure environment. We may store your personal information in paper and electronic form. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.
If you are dissatisfied with how we have dealt with your personal information, or believed that we breached the Australian Privacy Principles under the Act, you may contact our complaints team on 1300 329 131, by submitting the complaint online at https://www.money3.com.au/customer-complaints.php or by email at firstname.lastname@example.org .
We will acknowledge your complaint within 24 hours (or one business day) of receiving it and will endeavour to provide you with a decision on your complaint within 30 days.
If your privacy complaint remains unresolved, you may contact the Privacy Commissioner:
The Privacy Commissioner:
For all other complaints, if we do not resolve your complaint, you may refer the complaint to our external dispute resolution provider:
AFCA (Australian Financial Complaints Authority)
If you have any question or concern in relation to this policy or how we handle and manage your personal information please contact us on:
|Contact number:||1300 329 131|
|Address:||Attn: Privacy Officer|
|Level 1, 40 Graduate Road, Bundoora VIC 3083|
The information contained in this website is for general information purposes only.
This information is provided by Money3 Loans and whilst we endeavour to keep the information up-to-date and correct, Money3 Loans gives no warranty and accepts no responsibility for the accuracy or the completeness of the material. Any reliance the user places on such information is therefore strictly at their own risk.
Money3 Loans reserves the right at any time to make changes, as it deems appropriate.