• “we”, “us” and “our” refers to Cashfirst
Pty Ltd ABN 36 127 647 465 an agent and credit representative of Thorn Australia Pty
Ltd ABN 63 008 454 439 Australian Credit Licence 383 003 and its related bodies
corporate, and also includes any credit provider that we act for as agent; •
“you” refers to the persons who are applying for credit from us or proposing to act
as a guarantor, or who are directors of a company that is applying for credit from
us; and • words defined in the Privacy Act 1988 (Cth) have the same meaning.
Our contact details: You can contact us as follows:
Mail to: The Privacy
Officer - PO Box 6244, Silverwater NSW 1811
Your acknowledgements and consents: By applying for finance via this website you
acknowledge and agree to the statements on this page.
Why we collect personal information: We may collect personal information about you
for the following purposes:
• to answer an enquiry from you; • to
provide you with the service you requested; • to enable us to develop,
administer and manage our services and businesses; • to customise services to
better meet your needs and preferences; • to assess your application and manage
your account with us; • to compile a customer profile about you to serve you
better; • to engage a credit reporting body to conduct a credit and reference
check; • to assess your creditworthiness; • billing purposes and collection
of debts; • statistical purposes; • future promotional and marketing purposes through a range of direct marketing channels that include electronic direct marketing(email and (SMS), telephone, voice call and direct mail (post) so that we can inform you of special offers, promotions and competitions; • for research purposes to better improve our
website, products or services; • any other customer support purposes; • to
notify credit providers of a default by you of your agreement with us; • to
deal with complaints; and • to enforce our rights when you are in breach.
Collection required by law: Collection of some personal information about you may
also be required or authorised by or under an Australian law. These laws
• the Anti-Money Laundering and Counter-Terrorism Financing Act
2006 (Cth), which requires us to collect personal information about you when
verifying your identity; • the National Consumer Credit Protection Act 2009
(Cth), which requires us to make inquiries about you when assessing an application
for credit by you; and • the Personal Property Securities Act 2009 (Cth), under
which we may need to collect personal information about you to record a security
interest on the Personal Property Securities Register.
If you do not provide personal information: The main consequences for you if all or
some of the personal information is not collected by us are that we may not be able
to provide services to you, or be able to provide them to the same standard. In the
case of a credit application, we may not be able to make a decision whether to
provide credit to you if you do not give us the information we request.
Collecting information about you from someone else: We may collect personal
information about you from someone else, such as from a credit reporting body or
another credit provider when we are assessing your credit application or collecting
a debt you owe.
Disclosure of personal information: We usually disclose personal information of the
kind collected by us to:
• related companies of ours; • distributors
and introducers of our products and services; • credit reporting bodies; •
other credit providers and insurers; • service providers including mailhouses,
printers, call centres, marketing companies, and technology providers; •
government bodies; • persons who act as your guarantor or who provide security
for credit to you; • debt collectors and assignees of your debts; • a
recognised external dispute resolution scheme of which we are a member; and •
our professional advisors, including our lawyers, auditors and accountants.
You agree that we may disclose personal information about you to these persons for
the purposes for which we collect it where permitted by law, including the Privacy
Act. You acknowledge that we may provide your personal information to these persons
when required by law.
Overseas disclosure: We are likely to disclose personal information about you to overseas recipients who provide services for us and who do not have an Australian link. Those recipients are likely to be located in The Philippines. We may also store or hold personal information about you in electronic storage and networked systems operated by our service providers. Your information stored in this way may be disclosed in countries outside Australia. It is not practicable to specify in which other countries your personal information may be stored, as electronic networking storage systems can be accessed through the internet from various countries. If you consent to us disclosing your personal information to an overseas recipient in the situations described above, we are not required to take reasonable steps to ensure that the overseas recipient does not breach the Australian Privacy Principles. By using our services you agree to us disclosing and storing your personal information to overseas recipients as described above.
Credit reporting bodies: The credit reporting bodies that we are likely to disclose
your personal information to are:
Veda Advantage Veda - Customer
Resolutions PO Box 964 North Sydney NSW 2059 1300 762 207
Dun & Bradstreet Attn: Public Access
Centre PO Box 7405 St Kilda VIC 3004 1300 734 806
Disclosure to us for commercial credit and guarantees: A credit reporting body may
disclose credit reporting information about you to us if we request the information:
• to assess an application for commercial credit made by you to us; •
to collect overdue payments in relation to commercial credit provided by us to you;
• to assess whether to accept you as a guarantor in relation to credit provided
by us to another person or credit for which an application has been made to us by
Disclosure to us for permitted purpose: A credit reporting body may also disclose
credit reporting information about you to us for a purpose permitted by the Privacy
Act. This includes assessing an application for consumer credit by you.
Disclosure by us to other credit providers: We may disclose credit eligibility
information about you to another credit provider with an Australian link for any of
the following purposes:
• to assess an application for credit by you;
• to assess you becoming a guarantor; • to assess your creditworthiness; •
to notify credit providers of a default by you of your agreement with us; or •
to advise credit providers of the status of your agreement with us, where you are in
default with credit providers.
Disclosure by us to a guarantor or security provider: We may disclose credit
eligibility information about you if we have provided credit to you or you have
applied to us for credit, and the disclosure is to a person with an Australian link
for the purpose of that person considering whether to offer to act as a guarantor or
to offer property as security for the credit. We may also disclose this information
to a person with an Australian link who is a guarantor in relation to credit
provided by us to you, or who has provided property as security for such credit.
Personal information you give us about another person: If there is another person
named in an application for credit, you may need to provide their personal
information to us. You warrant that the other person has consented to the collection
of their personal information by us for the reasons it is being collected.
personal information about you that we hold and seek the correction of such
information, and how you may complain about a breach of the Australian Privacy
explains how we will deal with such a complaint. You can get a copy of our privacy
policy online at www.cashfirst.com.au. You can request us to provide you with a copy
of the policy in an alternative form such as a hard copy.
Credit reporting policy: Our credit reporting policy includes information about
credit reporting, including:
• the credit reporting bodies to which we are
likely to disclose your credit information; • how credit reporting information
is used and your rights in relation to credit reporting information; •
information about how you can access credit eligibility information about you held
by us; • information about how you may seek the correction of credit
information or credit eligibility information held by us; and • how you may
complain about a failure by us to comply with Part IIIA of the Privacy Act or the
Credit Reporting Privacy Code, and how we will deal with such a complaint.
You can get a copy of our credit reporting information policy online at
www.cashfirst.com.au. You can request us to provide you with a copy of the policy in
an alternative form such as a hard copy.
Direct marketing: You consent to receiving direct marketing communications from us,
or if you do not want to receive them, please contact us to advise on 1300 677 514.