www.breezyloans.net.au trading as Breezy Loans, ABN: 29 627 702 943 , ACL: 389 610 (“we”/”us”/”our”) endeavour at all times to comply with the Privacy Act 1988 and the Australian Privacy Principles which together will be referred to in this policy as “Australian Privacy Law.”
You are not required to provide us with your name or any personal information if you do not wish to. You are free to use any name allowed by law. We, however, will not deal further with you without obtaining your real name and other verifiable pieces of personal information.
As a result of your visit to our website, we may collect and store information about your visit to this website including:
Your internet service provider or the providers of your internet browser software may also collect such information for their own purposes. We are not responsible for the collection, storage and use of such information by these entities and refer you to their respective privacy policies.
As a result of you dealing further with us, whether as a prospective customer, an actual customer, guarantor and prospective guarantor, contractor, supplier or service provider or employee, we may collect and store personal information from you such as:
If you apply to us for employment, we may also collect and store personal and, in addition, sensitive information about you including your:
We may collect personal information about you from your visit to our website through the use of technologies such as anonymous identifiers, session variables, and cookies. You may be able to set your internet web browser to block or limit cookies. Some features of our website may not work as efficiently or not at all if you have done so.
As a result of you dealing further with us, we may collect personal information directly from you and this may be in person, over the telephone, by mail, over the internet, by email or fax or by completion of an application or consent form whether on-line or otherwise.
Our agents and we may collect that information directly from them in person, over the telephone, by mail, over the internet, by email or fax or by completion of an application or consent form whether on-line or otherwise.
We use our best endeavours and take all reasonable steps to secure your personal information including:
We are not responsible for the security of any computer or other device which you use to access our website.
If you are a user of our website, a prospective customer, a customer or guarantor of a customer’s credit, a contractor or supplier of goods and services to us, a job applicant or other person from whom we collect, hold, use and disclose your personal information we shall do so only for those purposes which are:
In addition, if you apply to us for credit or receive credit from us, we will collect, hold, use and disclose your personal information in order to:
We may disclose your personal information, including credit and sensitive information, to other parties as part of a process of merger, acquisition, sale of our business or our other assets and, before doing so, will give you notice and an opportunity to opt out of the provision of such information in that instance
If, for any of the above purposes, we disclose your personal information to any supplier of services to our business or to any prospective purchaser of our business which we shall do so only if it is necessary for the purposes listed above, we shall:
We supply your personal information to overseas recipients as part of our information technology systems. Those recipients are likely to be in the following countries: The United States of America and New Zealand.
You may request access to your personal, sensitive and credit information held by us by identifying yourself in person, by facsimile or by scanned attachments to an email and sending your request for access to us at: Privacy Officer, Trading Name ADDRESSS Email:firstname.lastname@example.org; Tel: 0457 857 029.
If we are unable to grant your access to personal, sensitive or credit information, we will give you our reasons in writing within a reasonable time. These may include where providing the information to you may:
If you believe any personal information which we hold about you is incorrect, please contact us in person by telephone, by facsimile, by email, identify yourself and tell us what information which we hold about you is, in your belief, incorrect and how you want it changed.
If we cannot agree to the change to the information which you have requested, we will give you reasons in writing within fourteen (14) days.
If you are not satisfied with the reasons referred to above or otherwise have any complaint about how we collect, hold, use or disclose your personal information please contact our Privacy Officer who will then follow our Privacy Internal Dispute Resolution process and respond to your complaint within fourteen (14) days.
Privacy Officer, Trading Name ADDRESSS Email : email@example.com; Tel: 0457 857 029..
If you are not satisfied with our Privacy Internal Dispute Resolution process, you may refer your complaint to our External Dispute Resolution Scheme.
Our External Resolution Scheme is: Australian Financial Complaints Authority Limited, GPO Box 3 Melbourne, VIC 3001, Tel: 1800 931 678 9:00am–5:00pm AEST weekdays,
Email: firstname.lastname@example.org; Website: www.afca.org.au.
You can, of course, at any time, refer any complaint about the privacy of your personal information directly to:
The Office of the Australian Information Commissioner,GPO Box 2999 CANBERRA ACT 2601 Tel: 1300 363 992 Fax: 02 9284 9666 Website: www.oaic.gov.au
changes to the law;
changes to technology;
changes to our systems
BREEZY LOANS PTY Ltd 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.”
you apply to us for one of our credit products;
you receive credit from us; or
we otherwise hold credit information about you or information about your eligibility for credit or credit worthiness.
We collect credit information about you from you directly such as in an application form for credit; and
We collect credit information about you from credit reporting bodies.
In order to obtain credit information about you from credit reporting bodies we may be required to disclose to them credit information about you which we hold. Those credit reporting bodies may then include that credit information about you in reports they provide to other credit providers.
This includes all the credit information described above with the exception of your Financial Information. It does, however, particularly include:
The credit reporting bodies to which we may disclose your credit information are:
Illion (Australia) Pty Ltd PO Box 7405, St Kilda Road, MELBOURNE Vic 3004 Email: email@example.com, www.illion.com.au
Equifax, PO Box 964, North Sydney, NSW 2059, Tel 138 332, www.mycreditfile.com.au
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 credit information but we may apply an administration fee for providing access to your credit information.
We will deal with your request according to Australian Privacy Law and provide you our response and/or reasons within 7 business days and making our decision no later than 30 days after receiving your request.
If we have supplied credit information which we have agreed to correct to a credit reporting body, we will notify that body within 7 business days of making that decision.
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 andprovide 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 withhaving 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.