PRIVACY CONSENT
Ruffy Steeden Ventures Pty Ltd t/as New ABN Finance will collect, store, disclose and use personal information and credit information that you provide to us in accordance with the terms of this Privacy Consent and our Privacy Policy. You may obtain a copy of our Privacy Policy by contacting us on 1300 113 883 or by emailing us at info@newabnfinance.com.au . It is also available on our website. By signing this document, you agree we can collect, hold, use and exchange personal and credit information about you for these stated purposes. The Privacy Policy also contains information on how you can complain about a breach of the privacy laws, how you can access or request to correct your personal and credit information that we hold about you and how to have that information amended.
What is personal information?
Personal information is information or an opinion about an identifiable or reasonably identifiable person. The personal information we will collect, and hold will include your name, date of birth, gender, telephone number, address, email, employment details and any other information we may need to identify you.
What is credit information?
Credit information is personal information that relates to credit that a person has applied for or has been provided. The credit information that we will collect from you may include your records of credit that you have applied for (including the name of the credit provider, the type of credit and the amount of credit), default information or any other information that has a bearing on your credit worthiness used to determine your eligibility for credit. Credit information also includes credit reporting information supplied to us by a credit reporting body and any information that we derive from it. We will collect, hold, disclose and use your personal and credit information to:
Assess and verify your identity and financial situation.
Assess your credit application, or your suitability as a guarantor to a credit application.
Provide such information to a guarantor or related applicant.
Exchange your information with a credit reporting body.
Disclose your information to credit providers as set out in our ‘Credit Provider Schedule’ to arrange credit.
Disclose your information to our aggregation partners as set out in the Aggregation Partners section of this document.
Disclose your information to an insurer to arrange insurance you wish to obtain.
Obtain from, and disclose to, third parties such as your employer, landlord, real estate agent, lending institution and guarantor who are deemed as reasonably necessary to arrange finance and/or insurance; and refer you to other organisations, service providers or business partners or obtain referrals from them to you.
We may not be able to proceed with credit assistance without the ability to collect, hold, disclose and use your personal and credit information.
Identity & financial situation verification
We are required by the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 to collect and use personal and credit information from you to identify you. We are also required by the National Consumer Credit Protection Act 2009 to collect credit information and personal information about you and take reasonable steps to verify this, including your financial situation. This verification may include enquiring via a credit reporting body.
Authority to make requests.
You authorise us to make requests for personal and credit information from credit providers and credit reporting bodies. By signing this Privacy Consent, you consent to the credit providers listed in the schedule to this consent doing any of the following:
Here you are the borrower—obtaining information or a report about your commercial activities or commercial credit worthiness for the purpose of assessing your application from any business which provides information about the commercial credit worthiness of persons (this includes a credit reporting body).
Where you are the borrower, giving to and obtaining from any credit provider named in your credit application or in a credit report on you issued by a credit reporting agency, information about your credit arrangements for purposes of:
Assessing your application for credit.
Notifying a default by you.
Allowing another credit provider to ascertain the status of your finance arrangements with us where you are in default with one or more other credit providers; and
Generally assessing your credit worthiness.
Where you are the borrower—disclosing personal and credit information to a person you have nominated to act as guarantor for the purpose of the guarantor considering whether to offer to act as a guarantor or offer property as security for the credit; and where you are the guarantor—obtaining a report about your credit worthiness from a credit reporting body for the purpose of assessing whether to accept you as a guarantor.
You acknowledge and agree that the information referred to above can include any information about your personal and/or commercial credit worthiness, credit standing, credit history or credit capacity which the Privacy Act 1988 allows credit providers to give to or receive from each other.
Disclosures
We will disclose or exchange your personal and credit information to the following persons:
Potential credit providers and/or insurers as part of our credit assistance process.
Third parties to verify the details provided are correct, including with your agents, guardians, attorneys, and employers.
Our related body corporates, assignees, agents, contractors, and advisers.
Law enforcement, government, and regulatory bodies.
Any person who refers you to us for credit assistance.
Joint applicants and guarantors.
Any financial institution to, or from which a payment is made.
Debt collection agencies; and
Anyone who refers you to us.
We will not disclose your personal and credit information to any overseas recipient.
Credit reporting bodies
We may exchange personal and credit information with a credit reporting body as detailed below:
Disclosure of details such as name, date of birth and address to obtain a credit report on the applicant or guarantor in our capacity as an access seeker in the credit assistance process.
Use any information provided by a credit reporting body to assist us in conducting a preliminary assessment of a proposed credit application and its suitability to the applicant; and
Request a credit reporting body to provide us with an assessment of whether information provided by the applicant or guarantor matches that in the credit report to verify the identity of applicant and/or guarantor.
Our current credit reporting bodies include Equifax on 13 8332, Experion on 1300 783 684 and Illion on 13 23 33.
Credit providers
We may submit a credit application to credit providers listed in our ‘Potential Credit Provider Schedule’. If a credit provider holds pertinent credit eligibility information, the credit provider must share this information with us, yourself, or someone you have authorised to act on your behalf. Credit providers may also engage directly with a credit reporting body, and you can ascertain the details on this and how they handle personal and credit information via their websites which are listed in our ‘Credit Provider Schedule’. If your credit application proceeds with a credit provider you may be asked again for your consent to collect, store, and use your personal and credit information by this credit provider.
Your rights
You have the right to ask:
That we provide you with the personal and credit information we hold about you.
That we correct any personal and credit information we hold about you that is shown to be incorrect.
For copies of our Privacy Policy and this document.
The credit reporting body does not use your personal information for assessment purposes or direct marketing; and the credit reporting body provides you with a copy of information it holds about you.
To access and/or seek correction of your personal or credit information we hold, or make a complaint about privacy, you can contact us on 1300 113 883 or by emailing us at info@newabnfinance.com.au or by registered post to PO Box 3044, North Willoughby, NSW, 2068.
Marketing
We would like to contact you from time to time with marketing information about the products and services we provide. You can opt-out of receiving direct marketing communication from us at any time. If you do NOT want to receive marketing information from us, please indicate by emailing us at info@newabnfinance.com.au or calling us on 1300 113 883.
Electronic communication
If you provide us with an email address or mobile phone number, you consent for us to use these details to send you, or make available to you, notices, and relevant documents, including those from a credit provider or insurer. You are therefore responsible for maintaining appropriate software, hardware, and associated processes to receive, access, review, print and save copies of such documents. This consent applies to all types of communication that is permitted by law to occur electronically. Therefore, paper (hard copy) documents may not be provided to you, unless we are obliged to by law. You must regularly check advised electronic communication mediums for communication from us. If your details change, you must promptly notify us. If you wish to withdraw your consent to electronic communication, please notify us on 1300 113 883 or by emailing us at info@newabnfinance.com.au or by registered post to PO Box 3044, North Willoughby, NSW, 2068.
CREDIT PROVIDER SCHEDULE
Angle Finance; Australian and New Zealand Banking Group Ltd (ANZ); Australia Motorcycle and Marine Finance; Automotive Financial Services Pty Limited; Azora Asset Finance Pty Limited; Bank of Queensland Limited; Branded Financial Services; Capital Finance Australia Limited; Commonwealth Bank of Australia; Finance One; Flexi-commercial Pty Ltd; Get Capital Pty Ltd; Glass Financial; Greenlight Auto Finance; Group & General Finance Pty Ltd; Judo Bank Pty Ltd; Larrijade Pty Limited t/a Drive Finance; Latitude Automotive Financial Services; Liberty Financial; Macquarie Leasing Pty Ltd; Metro Finance Pty Ltd; Morris Finance Ltd; Moula; Multipli; Pepper Money; Plenti RE Limited; Prospa; R.A.C.V. Finance Limited; Ruffy Steeden Ventures Pty Ltd t/a New ABN Finance; Secure Funding Pty Ltd (Liberty); Selfco Leasing; Society One; Soul Trader Finance Pty Ltd; St George Bank; Westpac Banking Corporation; Volkswagen Financial Services Pty Ltd; Wisr Finance Pty Ltd.
ACKNOWLEDGEMENT
By signing below, as applicant or guarantor, I acknowledge and declare that I have read and understood this Privacy Consent. I consent to the collection, storage, use and disclosure of my personal information and credit information in accordance with this Privacy Consent.
New ABN Finance – WEBSITE TERMS OF USE – April 2022
This website (Site) is operated by Ruffy Steeden Ventures Pty Ltd – ABN 32654718082 (we, our or us). It is available at: www.newABNfinance.com.au and may be available through other addresses or channels.
Consent: By accessing and/or using our Site, you agree to these terms of use and our Privacy Policy (available on our Site)] (Terms). Please read these Terms carefully and immediately cease using our Site if you do not agree to them.
Variations: We may, at any time and at our discretion, vary these Terms by publishing the varied terms on our Site. We recommend you check our Site regularly to ensure you are aware of our current terms. Materials and information on this Site (Content) are subject to change without notice. We do not undertake to keep our Site up-to-date and we are not liable if any Content is inaccurate or out-of-date.
Licence to use our Site: We grant you a non-exclusive, royalty-free, revocable, worldwide, non-transferable licence to use our Site in accordance with these Terms. This is for personal, non-commercial use. All other uses are prohibited without our prior written consent.
Prohibited conduct: You must not do or attempt to do anything: that is unlawful; prohibited by any laws applicable to our Site; which we would consider inappropriate; or which might bring us or our Site into disrepute, including (without limitation):
(a) anything that would constitute a breach of an individual’s privacy (including uploading private or personal information without an individual’s consent) or any other legal rights;
(b) using our Site to defame, harass, threaten, menace or offend any person;
(c) interfering with any user using our Site;
(d) tampering with or modifying our Site, knowingly transmitting viruses or other disabling features, or damaging or interfering with our Site, including (without limitation) using trojan horses, viruses or piracy or programming routines that may damage or interfere with our Site;
(e) using our Site to send unsolicited email messages; or
(f) facilitating or assisting a third party to do any of the above acts.
Exclusion of competitors: You are prohibited from using our Site, including the Content, in any way that competes with our business.
Information: The Content is not comprehensive and is for general information purposes only. It does not take into account your specific needs, objectives or circumstances, and it is not advice. While we use reasonable attempts to ensure the accuracy and completeness of the Content, we make no representation or warranty in relation to it, to the maximum extent permitted by law.
Intellectual Property rights: Unless otherwise indicated, we own or licence all rights, title and interest (including intellectual property rights) in our Site and all of the Content. Your use of our Site and your use of and access to any Content does not grant or transfer to you any rights, title or interest in relation to our Site or the Content. You must not:
(a) copy or use, in whole or in part, any Content;
(b) reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate any Content to any third party; or
(c) breach any intellectual property rights connected with our Site or the Content, including (without limitation) altering or modifying any of the Content, causing any of the Content to be framed or embedded in another website or platform, or creating derivative works from the Content.
User Content: You may be permitted to post, upload, publish, submit or transmit relevant information and content (User Content) on our Site. By making available any User Content on or through our Site, you grant to us a worldwide, irrevocable, perpetual, non-exclusive, transferable, royalty-free licence to use the User Content, with the right to use, view, copy, adapt, modify, distribute, license, sell, transfer, communicate, publicly display, publicly perform, transmit, stream, broadcast, access, or otherwise exploit such User Content on, through or by means of our Site.
You agree that you are solely responsible for all User Content that you make available on or through our Site. You represent and warrant that:
(a) you are either the sole and exclusive owner of all User Content or you have all rights, licences, consents and releases that are necessary to grant to us the rights in such User Content (as contemplated by these Terms); and
(b) neither the User Content nor the posting, uploading, publication, submission or transmission of the User Content or our use of the User Content on, through or by means of our Site will infringe, misappropriate or violate a third party’s intellectual property rights, or rights of publicity or privacy, or result in the violation of any applicable law or regulation.
We do not endorse or approve, and are not responsible for, any User Content. We may, at any time (at our sole discretion), remove any User Content.
Third party sites: Our Site may contain links to websites operated by third parties. Unless expressly stated otherwise, we do not control, endorse or approve, and are not responsible for, the content on those websites. You should make your own investigations with respect to the suitability of those websites.
Discontinuance: We may, at any time and without notice to you, discontinue our Site, in whole or in part. We may also exclude any person from using our Site, at any time and at our sole discretion. We are not responsible for any Liability you may suffer arising from or in connection with any such discontinuance or exclusion.
Warranties and disclaimers: To the maximum extent permitted by law, we make no representations or warranties about our Site or the Content, including (without limitation) that:
(a) they are complete, accurate, reliable, up-to-date and suitable for any particular purpose;
(b) access will be uninterrupted, error-free or free from viruses; or
(c) our Site will be secure.
You read, use and act on our Site and the Content at your own risk.
Limitation of liability: To the maximum extent permitted by law, we are not responsible for any loss, damage or expense, howsoever arising, whether direct or indirect and/or whether present, unascertained, future or contingent (Liability) suffered by you or any third party, arising from or in connection with your use of our Site and/or the Content and/or any inaccessibility of, interruption to or outage of our Site and/or any loss or corruption of data and/or the fact that the Content is incorrect, incomplete or out-of-date.
Indemnity: To the maximum extent permitted by law, you must indemnify us, and hold us harmless, against any Liability suffered or incurred by us arising from or in connection with your use of our Site or any breach of these Terms or any applicable laws by you. This indemnity is a continuing obligation, independent from the other obligations under these Terms, and continues after these Terms end. It is not necessary for us to suffer or incur any Liability before enforcing a right of indemnity under these Terms.
Termination: These Terms are effective until terminated by us, which we may do at any time and without notice to you. In the event of termination, all restrictions imposed on you by these Terms and limitations of liability set out in these Terms will survive.
Disputes: In the event of any dispute arising from, or in connection with, these Terms (Dispute), the party claiming there is a Dispute must give written notice to the other party setting out the details of the Dispute and proposing a resolution. Within 7 days after receiving the notice, the parties must, by their senior executives or senior managers (who have the authority to reach a resolution on behalf of the party), meet at least once to attempt to resolve the Dispute or agree on the method of resolving the Dispute by other means, in good faith. All aspects of every such conference, except the fact of the occurrence of the conference, will be privileged. If the parties do not resolve the Dispute, or (if the Dispute is not resolved) agree on an alternate method to resolve the Dispute, within 21 days after receipt of the notice, the Dispute may be referred by either party (by notice in writing to the other party) to litigation.
Severance: If a provision of these Terms is held to be void, invalid, illegal or unenforceable, that provision must be read down as narrowly as necessary to allow it to be valid or enforceable. If it is not possible to read down a provision (in whole or in part), that provision (or that part of that provision) is severed from these Terms without affecting the validity or enforceability of the remainder of that provision or the other provisions in these Terms.
Jurisdiction: Your use of our Site and these Terms are governed by the laws of New South Wales. You irrevocably and unconditionally submit to the exclusive jurisdiction of the courts operating in New South Wales and any courts entitled to hear appeals from those courts and waive any right to object to proceedings being brought in those courts.
Our Site may be accessed throughout Australia and overseas. We make no representation that our Site complies with the laws (including intellectual property laws) of any country outside Australia. If you access our Site from outside Australia, you do so at your own risk and are responsible for complying with the laws of the jurisdiction where you access our Site.
For any questions and notices, please contact us at:
Ruffy Steeden Ventures Pty Ltd trading as New ABN Finance ABN 32654718082 .
Email: info@newabnfinance.com.au
Last update: 01 April 2022
