Privacy & Credit Reporting Policy

Legal Terms and Conditions

Thank you for visiting our website. The AMALA Finance website (www.amalafinance.com.au) is owned and operated by Brodie John Ober (ABN 95 195 812 659). By visiting this website, you accept these Terms and Conditions (‘Terms’) and our Privacy Policy. If you do not agree to be bound by these Terms, you must immediately stop using the website and services. In these Terms, ‘us’, ‘we’, ‘our’, and ‘AMALA Finance’ refers to AMALA Finance Pty Ltd.

DISCLAIMER AND LIMITATION OF LIABILITY

The information provided on our website is intended to give an overview of the topics discussed. AMALA Finance takes reasonable care to ensure the accuracy and completeness of the information on this website. However, to the maximum extent permitted by law, including under the Australian Consumer Law, AMALA Finance makes no warranty and assumes no liability regarding the information on this website. We are not liable for any incidental, special, consequential, or indirect damages arising from the use of the website or services provided by AMALA Finance. These damages may include, but are not limited to, the loss or corruption of data or damage to your computer systems. You must take precautions to ensure that your use of our website does not interfere with or damage the operations of your computer systems.

The rates provided by AMALA Finance’s online application and pricing tool are subject to change if the information you provide is inaccurate or changes. In these cases, the rates and loan options provided in the results by AMALA Finance are subject to change or may become unavailable.

LINKED SITES

Our website may contain links to third-party websites (e.g., lenders, credit agencies). Unless explicitly stated otherwise, we do not endorse or take responsibility for the content on these linked websites and have no control over them.

INTELLECTUAL PROPERTY RIGHTS

This website is protected by copyright and is owned entirely by AMALA Finance. It may also contain third-party materials that are protected by copyright. You are not permitted to reproduce, sell, publish, transmit, or distribute the contents of this website without prior permission from us or unless allowed under the Copyright Act 1968. However, you are permitted to copy content for your own personal use.

INDEMNIFICATION

You agree to indemnify AMALA Finance for any losses, costs, liabilities, and expenses arising from your use of our website or services, your violation of these Terms, or your breach of applicable laws, rules, or regulations.

JURISDICTION AND GOVERNING LAW

Your use of the website, these Terms, and the Privacy Policy are governed by the laws of Queensland, Australia, and you submit to the non-exclusive jurisdiction of the courts in Queensland. By using our website and/or services, you accept this agreement, which remains in force unless terminated by either AMALA Finance or you.

Privacy Policy & Consent

PROTECTING YOUR PRIVACY

Brodie John Ober (ABN 95 195 812 659) is dedicated to protecting your privacy and acting in the best interest of our customers. The following outlines the types of personal and credit information we collect, how we use it, and why. By using our website and services, you consent to this Privacy Policy and agree to be bound by it. In this document, ‘AMALA Finance’, ‘we’, ‘us’, and ‘our’ refer to AMALA Finance Pty Ltd.

INFORMATION WE COLLECT

Personal Information

Personal Information refers to details about an individual whose identity is either directly or reasonably ascertainable. This may include your name, address, date of birth, email address, occupation, driver’s license number, financial details, employment history, and proof of earnings and expenses. We may also collect details about the products or services you’ve inquired about or have acquired, along with any information required to provide those products and services.

Choosing not to provide certain Personal Information may affect our ability to offer the services you require or limit our ability to personalize the services for you.

Sensitive Information

Sensitive Information is a subset of Personal Information. It includes details like your racial or ethnic origin, political opinions, religious beliefs, philosophical beliefs, health information, and criminal record. We may seek to collect, use, or disclose this information if it’s necessary to provide you with a product or service, usually for identity verification or income confirmation.

By using our website and services, you expressly consent to AMALA Finance receiving and holding Sensitive Information for these purposes.

Credit Information

The Personal Information we collect and hold about you may include Credit Information. Credit Information is used to assess your eligibility for finance and may include any outstanding finance, your repayment history for current or past debts, and any defaults. This includes credit reporting information, such as the data we receive from Credit Reporting Bodies (‘CRBs’) in your credit report, information about your history with other lenders, and other products you have applied for, as well as how you have historically managed your lending commitments.

We exchange your Credit Information with CRBs to verify your identity, assess your creditworthiness, and process your finance application. You can request access to the Credit Information we hold about you and ask for any necessary corrections to be made. We explain how to do this below.

Unsolicited Information

Occasionally, people share information (including Sensitive Information) with us that we have not specifically requested. This may happen when using our website or applying for a product. If we receive such information, we will determine whether we are permitted to collect it. If so, we will treat it the same as any other Personal Information we collect. If not, and the information is not part of a Commonwealth record, we will delete or de-identify it as soon as practicable, were lawful and reasonable. If the information cannot be easily separated from other data, we may need to store it for future use, such as resolving disputes or assessing future applications from you.

HOW WE COLLECT PERSONAL AND CREDIT INFORMATION FROM YOU

In general, we collect Personal Information and Credit Information directly from individuals, where reasonable and practical. We may collect Personal Information and Credit Information from you in several ways, including:

Directly from you, such as when you fill out an application form on our website; When you visit our websites; From third parties, including our marketing websites, related companies, or CRBs; From publicly available sources; and From your own records.

We may also collect Personal Information and Credit Information from third parties, such as:

Your representatives, e.g., solicitors; Referral partners who send your business to us, e.g., car dealerships; External parties, including social media sites where you’ve authorized them to provide your personal information to us.

If we receive Personal Information and Credit Information from third parties, we will handle it in accordance with this Privacy and Consent Policy. We will only collect such information from third parties when it is unreasonable or impractical to collect it directly from you or if we are otherwise permitted to do so.

USING PERSONAL AND CREDIT INFORMATION

As your broker, we need the information we collect from you to assess your credit application, source a suitable credit provider, and manage the application process. If you do not provide the requested information, we may be unable to process your application or offer other services.

How we use your Personal Information

We collect, hold, and use your Personal Information primarily to conduct our business activities, including assessing your application for finance and helping you obtain approval from lenders. Your Personal Information may be used to:

Verify your identity and communicate with you;

Assess your application for finance;

Assist you when applications are incomplete;

Provide products and services you request;

Conduct creditworthiness and fraud checks;

Manage our relationship with you, including disputes and inquiries;

Improve our products and services;

Provide data analytics, regulatory reporting, and research;

Maintain records and audit compliance;

Meet legal and regulatory obligations;

Inform you of potential improvements or additional products/services.

Third Parties

With your consent, we may disclose your Personal Information to third parties such as lenders, referral partners, business partners, brokers, agents, or to connect you with other businesses or customers. This is to assist you in applying for credit with our lending partners. Our lending partners have measures in place to protect the information shared with them. Please refer to our lending partners’ privacy policies for more details. Third-party marketing service providers may combine the Personal Information we share with other information they hold about you to provide more relevant advertising regarding our or their products or services.

CRB Disclosures

When we collect information from you during the credit application process, we use that information in several ways to assess your credit application and source a suitable credit provider, lessor, and/or insurance provider.

We may:

Disclose your identification information to a CRB and, in some cases, obtain a credit report; Use any information the CRB provides in that report to assist us in preliminarily assessing your consumer credit application; and Disclose your credit information to a credit provider or providers to apply for finance on your behalf.

The information we obtain from you is used for the purposes outlined in this Consent, and is not disclosed to any other person except with your permission or as permitted, or required, by law.

Credit Providers

As part of providing our services to you, we may undertake tasks for a credit provider that are reasonably necessary to manage the application process. When doing so, we are acting as an agent for the credit provider.

Credit Report and Disclosure Consent

When you apply for credit through us, we may use your information in several ways:

Credit Assessment: We may send your details to a Credit Reporting Body (CRB) and use the information provided to evaluate your credit application. Disclosure to Credit Providers: Your information may be shared with credit providers or insurers to help us find the best financial options for you.

Your personal information will only be shared as necessary to process your application, and it will not be shared with third parties unless you give permission, or it's required by law.

Credit Providers and CRBs

Disclosure of Information: We may send your application to one or more credit providers. They might share your information with a CRB and collect further details about you from CRBs. Rights and Access: Each credit provider’s website will include information on how your data is managed, your rights to access and correct your information, and how to handle complaints. CRBs may use your data for creditworthiness checks and may report overdue payments or credit infringements. Direct Marketing: We may contact you about offers and promotions via email, SMS, or other channels. You can opt-out of marketing communications at any time by contacting us.

Privacy and Security

We take steps to protect your personal information. This includes using encryption and secure servers to safeguard your data.

Overseas Transfers: Your data may be transferred to overseas parties, but we ensure that appropriate safeguards are in place. Cookies: We use cookies to enhance your experience on our website. You can disable cookies, but this may affect some website features. Third-Party Links: Our website may link to external sites. We are not responsible for their privacy practices.

Access and Correction

You can access and correct your personal information by contacting us at [email protected]. If we need to make corrections, we will do so within 30 days.

Complaints and Contact

If you believe your privacy rights have been violated, you can contact us at [email protected]. We will investigate and respond promptly.

For further concerns, you may contact the Office of the Australian Information Commissioner at www.oaic.gov.au.

Consent and Disclosure

By agreeing to this policy, you consent to:

Using your information for credit and insurance assessments and related purposes. Sharing your data with credit providers, CRBs, and other partners as required. Marketing Communications: We may send you promotional offers, unless you opt out.

We may update this policy, and the most recent version will apply.