This Privacy Statement applies to ACN 603 303 126 Pty Ltd, trading as Angle Finance, and all its related entities, of Level 8, 360 Collins Street, Melbourne VIC 3000 (“Angle Finance” or “we” or “our”, as relevant).
Angle Finance is a specialist commercial financial services provider. This statement describes how we will handle your personal information.
In the process of providing services, Angle Finance may collect, receive, deal with and store personal information. Angle Finance is committed to collecting, using, disclosing and storing personal information only in a manner which is compliant with the Privacy Act 1988 (Cth) (“Privacy Act”).
This statement only applies to “Personal information” and “Credit Information”.
“Personal Information” is any information or an opinion about an identified individual, or an individual who is reasonably identifiable, whether the information or opinion is true or not, and whether the information or opinion is recorded in material form or not.
Whether an individual is ‘reasonably identifiable’ will depend on what other information is held or collected by Angle Finance or whether it is possible to identify the individual using available resources (including other information available to Angle Finance). This means that if Angle Finance collects information that by itself is not personal information (e.g. credit data associated with a customer number) but then also hold personal information that could be connected to that information (e.g. when Angle Finance has records of the customer names associated with each customer number), all of the information collected is personal information, as the customer number provides a reasonable link between the name of the individual and the credit data. Personal Information generally does not include information (or an opinion) that is about a business, company or trust.
“Credit Information” is Personal Information about an individual (other than sensitive information) that includes identification information, consumer credit liability information, repayment history information, a credit or commercial credit applied for, and the amount of credit, default information, payment information, new arrangement information, court proceedings information, personal insolvency information, publicly available information about individual’s credit worthiness or the opinion of a credit provider that the individual has committed a serious credit infringement in relation to consumer credit provided by the credit provider to the individual.
Credit Information includes:
Our obligation in relation to information we collect as part of a commercial arrangement is governed by the confidential information undertaking in the commercial financial services arrangement.
We are also required to collect your Personal Information to comply with our obligations under Australian law, including the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth).
You do not have to disclose Personal Information or Credit Information to us. If you do not agree or do not provide some or all of the information requested, we may not be able to process or accept your application for credit, consider your application for employment, or otherwise provide you with goods and services.
Angle Finance collects Personal Information as necessary for its business purposes, for example to process your application and give effect to your instructions.
We may collect your Personal Information directly from you or from a third party, such as a retailer who referred you to us.
The information we may collect includes, when permitted by law:
In addition, when you apply for a job or position with us we may collect certain information from you (including your name, contact details, working history, qualifications and relevant records checks) from any recruitment consultant, your previous employers and others who may be able to provide information to us to assist in our decision on whether or not to make you an offer of employment or engage you under a contract.
Any information you provide to us when applying for a job or position may be shared within Angle Finance and its related entities, including but not limited to Garrison Lending Operations Pty Limited and Angle Auto Finance Pty Ltd, for recruitment purposes.
The Privacy Act contains certain exemptions in relation to certain acts undertaken in relation to employee records and related bodies corporate. Where appropriate we make use of relevant exemptions in the Act.
We endeavour to collect your information directly from you. However, in some circumstances we may collect your information from third parties, such as your employer or contracting organisations, a service provider or from a publicly available record.
We may collect certain information such as browser type, operating system, website visited immediately before coming to our site, etc. This information may be used in an aggregated manner to analyse how people use our site, such that we can improve our service.
Our site may from time to time have links to other websites not owned or controlled by us. These links are meant for your convenience only. Links to third party websites do not constitute sponsorship or endorsement or approval of these websites. Please be aware that Angle Finance is not responsible for the privacy practices of other such websites. We encourage our users to be aware, when they leave our website, to read the privacy statements of each and every website that collects Personal Information.
Angle Finance uses and discloses Personal Information for the following purposes:
Subject to the Privacy Act, in the process of providing you with the services, we may share Personal Information with our employees, related bodies corporate and with our third-party services providers. These third-party service providers may include agents, portfolio managers, mail house operators, collection agencies, research providers, dispute resolution schemes, accounting and legal advisers.
Angle Finance may also disclose information about you to third parties for the following purposes:
Angle Finance maintains strict procedures and standards and takes all reasonable care to prevent unauthorised access to, and modification and disclosure of, your Personal Information. Angle Finance also takes all reasonable care to protect any Personal Information it holds against misuse or loss.
If we no longer need your Personal Information, we will take steps to either destroy the information or de-identify it.
In addition to complying with its general obligations under the Privacy Act, Angle Finance is committed to collecting, using, storing and disclosing credit information in accordance with the CR Code and Part III A of the Privacy Act.
What kinds of credit information does Angle Finance collect or hold?
The information we may collect includes, when permitted by law:
We may use credit reports obtained from credit reporting bodies to produce our own assessments and ratings in respect of your credit worthiness, which may also take into account information we obtain from you and other sources. The reports will have information from your credit file. Your credit file contains information about your credit worthiness and any previous credit applications you have made. It also contains information about any judgements made against you.
Angle Finance may obtain credit information in a number of ways, including:
Angle Finance may also collect credit information by other means and will take all reasonable steps to inform you if and when it does.
The credit information we hold about you may be stored in an encrypted electronic database or in paper files. Angle Finance’s electronic records are protected by restricted password access, backed up daily and stored off site. Angle Finance’s paper records containing credit information are stored in secure cabinets or rooms which are locked after hours. Credit information may be stored in Australia and overseas. If credit information is stored overseas, Angle Finance imposes equivalent physical and logical security measures.
What kinds of information does Angle Finance derive from credit information?
From the credit information disclosed to Angle Finance by a credit reporting body, Angle Finance derives the following kinds of information:
Angle Finance collects, holds, uses and discloses credit information to provide you, or a customer (or prospective customer) in respect of whom you are nominated as a guarantor, with products and services.
Such purposes include:
To whom does Angle Finance disclose credit information?
Angle Finance may disclose credit information as permitted by law to entities both within and outside Australia, including credit reporting bodies as set out below. Angle Finance may disclose your credit information to its third-party service providers overseas as further detailed below.
Credit reporting bodies
In addition, we may disclose information to credit reporting bodies. If you are in default, we may report the default to the credit reporting agencies in compliance with the Privacy Act1988.
The credit reporting bodies we use may include:
Those credit reporting bodies may include the information disclosed by Angle Finance in reports provided to credit providers to assist them to assess your credit worthiness. If you fail to meet your payment obligations in relation to consumer credit, or commit a serious credit infringement, Angle Finance may be entitled to disclose this to those credit reporting bodies.
For contact details and information on how credit reporting bodies manage credit information, please see their privacy policies available at the websites noted above.
You may request a credit reporting body:
You may seek access to any information we hold about you by writing to our privacy officer at email@example.com
You may also ask us to correct any information we hold about you if the information is inaccurate or erroneous by writing to our privacy officer at firstname.lastname@example.org
Angle Finance may use your Personal Information to provide you with information from time to time in relation to additional services and or products we provide. If you do not want to receive such information, you may unsubscribe by calling us on 1300 586 936, ticking the opt out box on our application form or on the service agreement, or following the unsubscribe instructions in the communication.
To assess your finance enquiry and to administer our finance offerings we may disclose your Personal Information or Credit Information to overseas entities. Some of our products and services are supported by third party contractors and other external organisations, which are located in jurisdictions including Europe, Asia and North America. If you provide your Personal Information or Credit Information, then we may disclose this information to these third parties, to enable the effective operation and functionality of those products and services.
We will only disclose your Personal Information and Credit Information if:
If we disclose your Personal Information or Credit Information to overseas entities, we will take reasonable steps to ensure that those overseas recipients protect the privacy of your Personal Information and Credit Information as we have committed to under this Privacy Statement. Whilst we attempt to select and secure reputable offshore service providers, we are not liable for any breach or misuse of information sent offshore. An overseas entity may not be subject to privacy laws or principles similar to those which apply in Australia, and any information disclosed to an overseas entity may not have the same protection as under the Australian privacy law. You may not be able to seek redress for any breach of your privacy which occurs outside of Australia.
If you believe that your Personal Information has been mishandled by us or that we have breached this statement in any way, we invite you to write to our privacy officer at email@example.com We will make every effort to resolve your complaint internally.
If you are dissatisfied with the resolution we offered you, you may file a complaint with the Office of the Australian Information Commissioner. The Office of the Australian Information Commissioner’s contact details are set out below.
Office of the Australian Information Commissioner
GPO Box 5218
Sydney NSW 2001
Phone: 1300 363 992
Angle Finance reserves the right to vary this statement from time to time. If we change the statement, we will post the revised statement as soon as it is completed on our website. We do not have to provide you with notice of changes to the statement. We encourage you to periodically review our privacy statement for any changes.
If you have any questions regarding this privacy statement or would like more information about the way we manage your Personal Information, please write to us on firstname.lastname@example.org
Effective Date 19 December 2019.