BREEZY LOANS PTY LTD (“we”/”us”/”our”) endeavour at all times to comply with the Privacy Act 1988, Australian Privacy Principles and the Credit Reporting Code which together will be referred to in this policy as “Australian Privacy Law.”
“Hardship” as defined in the National Consumer Credit Protection Act 2009 (‘NCCP’) includes “illness, unemployment or other reasonable cause.” In the course of you applying for a variation in repayment terms on the grounds of hardship, we may collect from you information about illness, unemployment or other reasonable causes of hardship. This will, most likely, be “sensitive information” under Australian Privacy Law.
We will only collect sensitive information that is relevant to your application for a variation in your repayment terms on the grounds of hardship. Such information may include:
We will only collect, use, hold and disclose your sensitive information for the following purposes and in the following ways to:
We shall not disclose your sensitive information to any party except for the purposes described above and as permitted by Australian Privacy Law.
In particular, we shall not disclose your sensitive information to any credit reporting body or any other credit provider though we may disclose that you have entered into a hardship variation to such parties.
We shall not provide credit information and credit worthiness or credit eligibility information to overseas entities except as permitted by Australian Privacy Law.
There is no charge to make a request for access to your sensitive information but we may apply an administration fee for providing such access.
Breezy Loans Pty Ltd ABN: 29 627 702 943, Credit Representative Number 514197 provide credit services under Australian Credit License number 389610. If we could not provide you credit, we will help to match your credit enquiry with another lender partner from our panel of lenders who we think may help you. Our panel of lender partners are licensed and follow responsible lending practice. We may receive referral fee (amount not ascertainable) if you decide to go with them once approved. However, they may ask you further information to assess your loan application where you can deal directly with that lender.The information on this website is general in nature and does not take into account your objectives, financial situation or needs & does not constitute any financial advice.We strongly recommend you take independent advice before choosing any loan product.
By accepting these terms and conditions you give consent for Breezy Loans Pty Ltd and Installment Loans to disclose your name, residential address and date of birth to a credit reporting agency and ask the credit reporting agency to provide an assessment of whether the personal information so provided matches (in whole or in part) personal information contained in a credit information file in the possession or control of the credit reporting agency to assist in verifying your identity for the purposes of the Anti-Money Laundering and Counter-Terrorism Act 2006.The credit reporting agency may prepare and provide Breezy Loans Pty Ltd with such an assessment and may use your personal information including the names, residential addresses and dates of birth contained in credit information files of you and other individuals for the purposes of preparing such an assessment. If you disagree with having your identity verified by a credit reporting agency, please select another data source or contact Breezy Loans Pty Ltd so that we can discuss other options with you.