Credit Card

Terms and Conditions

All visitors to this website, without exception, are invited to read and act upon the contents of this website in accordance with the following terms and conditions:

1. The content of this website may be changed from time to time and therefore, subject to the following clauses, the only relevant content binding on the company will be that content displayed on this website at the time a website visitor enters into any credit contract with the company.
2. The website content is designed to provide introductory or preliminary information only – being just some of the total information that the company will provide to a website visitor who proceeds to make a loan application.
3. In the event that the content displayed on this website is at variance with content included in the credit contract offer and associated documentation provided to the website visitor who proceeds with a credit application as a result of visiting this website, the content that will bind the company will be that content included in the contract and associated documentation.
4. The company strongly encourages any website visitor proceeding to apply for a loan with the company to seek independent legal advice and to carefully consider all contract offers and associated documentation provided by the company.
5. The website visitor accepts that the content of this website does not constitute a contract offer and that any specific and detailed loan offer by the company will only occur following the provision of all mandated associated documentation to the website visitor who has subsequently applied for a loan and has satisfied all relevant responsible lending criteria specified by the Commonwealth Government (if a personal loan) and the company (if a personal or business loan)
6. The company’s only intended source of full detail concerning the contract offer is the credit contract that may be offered and the associated documents that will be provided to the applicant for a loan, following a successful “not unsuitable” assessment in accordance with the National Consumer Credit Protection Act (Cth) 2009 and company consumer loan policy, if a consumer loan, or business loan policy if a business loan. These documents will be provided to the applicant on the basis that the applicant may take as much time as the applicant requires to read and study the content, ask all questions of the company representative, receive satisfactory answers to all their questions, and seek legal and other professional advice, before signing the credit contract and any other document.
7. The content of this website is the intellectual property of the company.

Website Privacy Policy

The company recognises the Office of the Australian Information Commissioner’s concerns that websites be easy to read, accessible and transparent, include appropriate privacy information and provide directions as to where to obtain further information. Confusing and irrelevant content is to be avoided.

Statutory acknowledgement

The company recognises Clause 4.2 of the Credit Reporting Privacy Code , which provides an approved opportunity for credit provider and/or lessor disclosures of information, collected by way of a website and required under Sub- sections 21C(1) and (3)(a) of the Privacy Act 1988 as amended, to a credit reporting body. This for the various uses and attracting the various rights for the consumer and/or lessee, in accordance with Clause 4.1 (a) to (f) of the Credit Reporting Privacy Code.

These disclosures are included in the company’s Credit Information (Privacy) Management Policy (Tab 8), which is on the company’s website and the communications information content is listed in the Company’s Credit Reporting Data Management Policy (Tab 10) .

Consumer utilisation of website

From time to time, the company’s website may facilitate consumers completing credit and/or lease applications, questionnaires, forms and the like.

Collection and use of information

The company only collects information from potential and actual consumers which is reasonably necessary, directly or indirectly, for the conduct of the company’s credit provision activities.

Information from suspended and saved on -line applications

If the consumer suspend s or save s any online application, form, questionnaire or the like, the information the consumer has entered prior to that suspension and/or saving will be available to and retained by the company, as well as being available for the consumer to retrieve when the consumer resumes completing the online application or other activity. The company’s Credit Information (Privacy) Management Policy also applies to this information.

Sensitive information

The company does not ask for, store, use or disclose sensitive information.

Information and third parties

From time to time, the company’s website may contain links to the websites of third party entities. If as consumer has accessed such a third party website, via the company ‘s website, the consumer may have provided information to that third party entity. If they have chosen to provide information, access to that information may also be provided to the company by that thir d party entity, subject to an agreement between the two companies to share the information.

Tracking

When viewing the company’s website, or the third party company’s website, from time to time “cookies” and “web beacons” may be used to collect information. This information may include information concerning any or all of the following:

1. the date and time of the consumer’s visit
2. the consumer’s IP address
3. what pages the consumer view ed
4. the completion of the online application, form, or questionnaire
5. marke ting campaign information
6. the server the consumer’s computer is logged onto and
7. the type of browser used by the consumer.

What happens to this information?

In accordance with the company’s Credit Information (Privacy) Management Policy, the company takes reasonable steps to keep the information obtained secure and to store, use and disclose such information only in accordance with that policy. This includes the above listed information and any information included on completed and submitted applications, forms, questionnaires and the like.

The above listed information will not be used for any third party company marketing, but the company may use the information to advise the consumer of continuing and new products and services, from time to time.

The above listed information is not provided to overseas based companies for any purpose other than possible storage and review of information, for the company’s purposes only.

The above listed information may be used to assist the company in providing the consumer with any service or product, at the time of a particular visit to the company’s website or thereafter, which may or may not be the service or product that initially prompted the consumer to visit the website .

Use of the information collected by the use of a cookie or web beacon.

Subject to acceptance by the consumer’s internet browser, the company uses cookies and/or web beacons to assist in product and service development and marketing. This assistance may include:

1. the allocation of a unique nu mber to the consumer’s internet browser
2. the collection of statistics concerning visits to the company’s website and the pages viewed
3. the customisation of the website to suit the consumer and/or particular potential customer groups
4. to identify whether or not the consumer has accessed a third party company website via th is company ‘s website
5. for security purposes and
6. for the development and/or offering of the company’s products and services that appear relevant to the consumer.

Website security

From the Privacy Commissioner’s investigation reports, the company notes that website security is an ongoing obligation and that Australian Privacy Principle 11 applies to website security management . The Office of Australian Information Commissioner’s statement, on 6 March 2014, has been noted by the company, in that the company’s policy is to continue to take reasonable steps to protect information held in digital storage.

To that end, the company utilises ICT security measures relevant to the need to protect all Internet interactions. Security steps used by the company can include:

1. ensuring the latest versions of security software are in use
2. ensuring that web browsers, including “add- ons” or “plug -ins” are up to date
3. ensuring that data is scanned before it is opened, to prevent the download of malicious content
4. encryption of sensitive information
5. filtering of web traffic to prevent harmful content from reaching users’ systems
6. maintaining an intrusion detection system
7. regularly analysing event logs
8. penetrat ion testing to discover security weaknesses
9. ensuring that personal information is only accessed by authorised people
10. using multi -factor authentication to obtain access
11. ensuri ng that personal or sensitive information, not intended for public release, is not stored on a public website
12. disabling directory browsing when configuring web servers
13. requiring strong passwords or pass phrases and
14. locking user out after a specified number of failed log- ins.

Cyber attacks

While the company recognises that it may not be liable when a third party intentionally exploits the company’s reasonable security measures and gains unauthorised access, the company’s defence must be able to demonstrate that previous reasonable steps had been undertaken to prevent such a cyber attack.

The company’s policy is to review /update information security measures each day and to maintain information security measures that respond to the changing landscape.