Edstart Australia Pty Ltd
ABN 48 611 024 205, Australian credit licence 485096
Edstart Pty Ltd
ABN 12 601 641 025
You acknowledge that you have accessed and used Edstart’s website.
The Privacy Act 1988 (Cth)(the Act) allows for personal information, including ‘sensitive information’, ‘credit information’ and ‘credit eligibility information’ (which are defined in the Act) about you (as an applicant for credit) to be collected and disclosed provided we have obtained your consent. In this document, and where appropriate a reference to personal information includes ‘sensitive information’, ‘credit information’ and ‘credit eligibility information’.
This privacy notice tells you how certain organisations collect personal information about you, what they use the personal information for and who they share the personal information with. If any of those organisations collect personal information that can be used to identify you, it will take reasonable steps to notify you of that collection.
We may (from time to time) update, vary, amend or replace this privacy notice by giving you notice about the changes either on our website or by notification to you.
In this notice, a reference to “Edstart”, “we”, “us” or “our” (including any similar expression) is a reference to Edstart Australia Pty Ltd (ABN 48 611 024 205) and Edstart Pty Ltd (ABN 12 601 641 025). Our contact details specified in the Schedule.
We will collect personal information about you when you use our website and/or make an application for credit.
When you use our website, we will collect personal information about you from you. Most personal information that we can collect is collected if you submit an application for credit and any supporting documentation supplied in connection with your application. If your application for credit is approved, then we can also collect personal information about you from the records we maintain about the products and services you receive from us. We can check and verify that personal information from sources referred to in your application for credit and/or in this privacy notice and consent.
We can collect personal information about you from other sources in any manner permitted by the Act. We will only collect personal information from other sources where it is reasonably necessary for us to do so in relation to or in connection with your application for credit. Examples of such sources of personal information include:
There are laws that affect organisations that require us to collect and disclose your personal information. For example, we are required to collect and disclose your personal information for assessment and verification under the Anti-Money Laundering and Counter Terrorism Financing Act 2006 (Cth) and any rules, regulations or guidance notes made under or in connection with that Act (“AML/CTF Act”). We are entitled to request personal information from you in regards to compliance with the AML/CTF Act from you even if such information was previously sought and provided. You must comply with any request we make in this regard and if you do not provide the requested information we may be required to take action, including delaying or refusing the processing of any application for credit or disclosing information that we hold about you to our related bodies corporate, service providers or relevant government bodies and regulators including AUSTRAC (which is the body responsible for anti-money laundering and counter-terrorism compliance in Australia).
We may collect and disclose your personal information for purposes including:
Also we may use personal information about you to:
Sharing information with credit providers
We can seek from and use or give to another credit provider any information including relating to your credit worthiness, credit standing, credit history or credit capacity. In particular, we or any insurer we use may seek an opinion from a credit provider or a Credit Reporting Body and such person is authorised to provide an opinion on you.
Sharing information with third parties
We may seek from and use or disclose information about you to third parties in relation to: considering your application for credit; administering your credit facility; exercising rights under your credit contract; or, any insurance policy an insurer issues to us relating to the credit we have provided you. These third parties may include:
Sharing information with Credit Reporting Bodies
We can give to a Credit Reporting Body personal information (including overdue payments) about you including to allow a Credit Reporting Body to create or maintain a credit information file about you. A Credit Reporting Body may include information about you in reports that it gives other organisations (such as other credit providers) to help them assess your credit worthiness.
We will only share any credit information about you with a Credit Reporting Body if that body has a business operation in Australia and is unlikely to share credit eligibility information with organisations that do not have business operations in Australia.
Some of the information held by a Credit Reporting Body may reflect adversely on your credit worthiness, for example, where you fail to make payments or if you commit a series credit infringement (like obtaining credit by deception / fraud). If information of this nature is held on your credit file then this will likely materially affect your ability to obtain credit from other credit providers in the future.
Currently we deal with the Credit Reporting Bodies disclosed in the Schedule. Each Credit Reporting Body also has a policy about how they handle information about you. You should be able to obtain a copy of their policy by contacting them directly.
If you believe that you have been or are likely to be a victim of fraud (including identity fraud) you can request a Credit Reporting Body not to use or disclose the information they hold about you for a prescribed period of time (currently 21 days).
Sharing information with related companies
We may share information about you with our related companies for the purposes described above.
Sharing information outside of Australia
We may store information about you in cloud or other types of networked or electronic storage. As electronic or networked storage can be accessed from various countries through an internet connection it is not always practical to know in which country information about you may be held.
We will take reasonable steps to ensure that any overseas organisation that receives your personal information will comply with the Act.
If you do not provide your personal information to us, it may not be possible:
If for any reason you give us personal information about any other person when using our website, for example when you submit an application for credit:
Where possible, we will provide information of a general nature such as for example, in relation to the products and services we supply to unidentified individuals via our website. However, we are not able to deal with an application for credit if you do not wish to identify yourself.
We take reasonable steps to protect all information which we hold (including any personal or sensitive information) from misuse, loss, unauthorised access, modification or disclosure.
We may also use the information including personal information provided by you for marketing and research purposes, to analyse and improve products and services and to inform you of products and services provided by us, our related entities or preferred suppliers which we consider may be of value or interest to you, unless you tell us (see marketing opt) or have previously told us not to.
We may collect personal information about you when you use and access our website. While we do not use browsing information to identify you personally, we may record certain information about your use of our website, such as which pages you visit, the time and date of your visit and the internet protocol address assigned to your computer.
We may also use 'cookies' or other similar tracking technologies on our website that help us track your website usage and remember your preferences. Cookies are small files that store information on your computer, TV, mobile phone or other device. They enable the entity that put the cookie on your device to recognise you across different websites, services, devices and/or browsing sessions. You can disable cookies through your internet browser but our websites may not work as intended for you if you do so.
Unless we are entitled to withhold access to your personal information, you have the right to request access to any personal information held by us which relates to you. We may charge a reasonable fee where access to personal information is provided. Any requests for access to your personal information should be made in writing to the Privacy Officer (specified below). You also have the right to request the correction of any personal information which relates to you that is inaccurate, incomplete or out-of-date.
If you require any further information about our management of personal information or have any queries or complaints, you should contact us using the details specified in the Schedule.
If you think we have breached the Privacy Act, or you wish to make a complaint about the way we have handled your personal information, you can contact us using the details set out below. Please include your name, email address and/or telephone number and clearly describe your complaint. We will acknowledge your complaint and respond to you regarding your complaint within a reasonable period of time. If you think that we have failed to resolve the complaint satisfactorily, we will provide you with information about the further steps you can take.
In this notice and acknowledgement:
Credit Reporting Body means:
Address: 80 Albion Street, SURRY HILLS NSW 2010
Telephone: 1300 139 445