Privacy Disclosure Statement & Consent

Motorix Finance (‘we’, ‘us’, ‘our’) collects information about you for the purposes you agree to in this Privacy Disclosure Statement and Consent. When you sign below, you agree we can, consistently with Australia’s privacy and credit reporting laws, collect, use and exchange credit and personal information about you for those purposes.

We collect credit and personal information about you, as applicable, to source for you, or a company of which you are a director:

• Consumer credit for personal, household, domestic or residential investment purposes.
• Commercial credit for business purposes.
• Other services stated in this Privacy Disclosure Statement and Consent.
• Support for a guarantor application you provide.

As your broker, we require the information we collect from you to assess your credit or guarantor application, or the credit application of a company of which you are a director, source a suitable credit provider and any required insurances, and manage the application process where required.

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

We may:

• Disclose your identification information to a Credit Reporting Body (‘CRB’) if you wish us to obtain a report on your behalf.
• Use information the CRB provides in that report to assist us to preliminarily assess your consumer credit or guarantor application.
• Disclose your personal information to an insurer or insurers to source any insurances you wish to obtain.
• Disclose your credit information to a credit provider to apply for finance on your behalf.

The information we obtain from you is used, subject to compliance with Australia’s privacy and credit reporting laws, only for the purposes listed in this Consent and is not disclosed to any other person except with your permission or as permitted or required by law.

As part of providing our services to you, we may undertake tasks for a credit provider which are reasonably necessary to manage the application process. When doing so, we act as an intermediary for the credit provider, with the same privacy law requirements applying to both of us.

We may submit your application to one or more credit providers. Those credit providers and their website addresses are listed in the Schedule of Credit Providers below.

A credit provider to whom we submit an application may disclose information about you to, and collect information about you from, one or more CRBs.

Each credit provider’s website contains details of the CRBs with which it deals, the information held about you, and your key rights. This information may be described as ‘notifiable matters’, ‘privacy policy’, ‘credit reporting policy’ or ‘privacy disclosure statement and consent’, and includes:

• That the CRB may include information the credit provider discloses about you to other credit providers to assess your creditworthiness.
• That if you become overdue in making consumer credit payments or commit a serious credit infringement, the credit provider may disclose that information to a CRB.
• How you can obtain the credit provider’s and/or CRB’s policies about managing your credit information.
• Your right to access and/or correct information held about you and to complain about conduct that may breach privacy and credit reporting laws.
• Your right to request a CRB not to undertake pre-screening for direct marketing by a credit provider.
• Your right to request a CRB not to release information about you if you believe you are a victim of fraud.

This information will also be included by the credit provider that approves your application in the privacy disclosure statement and consent document it provides to you.

Each credit provider website includes information on how to contact the provider and obtain a copy of its privacy documents in a form that suits you, such as hardcopy or email.

You have the right to ask:

• Us to provide you with all the information we hold about you.
• Us to correct the information we hold if it is incorrect.
• Us for copies of our privacy policy and this document in a form that suits you, such as hardcopy or email.
• A CRB not to use your information for direct marketing assessment purposes, including pre-screening.
• A CRB to provide you with a copy of the information it holds about you.

In some cases, an administration fee may be charged to cover the cost of providing the information. Our privacy policy is available and we will provide you with a copy if you ask us.

By signing below, you agree we may use your personal and credit information:

• To assess your consumer or commercial credit and/or guarantee application, and/or assess a credit application by a company of which you are a director.
• To source any finance you require.
• To source any insurance you require.

As the law authorises or requires, we may:

• Disclose to, and obtain from, any prospective credit provider or insurer information about you that is reasonably necessary to obtain the finance and insurances required.
• Obtain from, and disclose to, any third party information about you, the applicant(s) or guarantor(s) that is reasonably necessary to assist you to obtain the finance and insurances required.
• Provide your information, including your credit report(s), to one or more credit providers specified in the Schedule of Credit Providers below so they can assess your application, the application of a company of which you are a director, or your suitability as a guarantor.
• Provide credit information about you to a guarantor or prospective guarantor.
• Provide you, or the company of which you are a director, with offers or information about other goods or services we or our associated entities may be able to provide, unless you tell us not to.
• Disclose your personal and credit information, to the extent permitted by law, to organisations that provide us with services, such as contractors, agents, printers, mail houses, lawyers, document custodians, securitisers and computer systems consultants or providers.
• Disclose your personal information to an organisation that may wish to acquire, or has acquired, an interest in our business or rights under your contract with us, or the contract with us of a company of which you are a director.

You also agree and consent to, as appropriate:

• A CRB disclosing consumer credit information to one or more Credit Providers below for assessing your consumer or commercial credit application, your guarantor application, and/or a credit application by a company of which you are a director.
• A credit provider using that information to assess your suitability as a guarantor when you are a prospective guarantor.
• A credit provider disclosing your credit information, including information obtained from a CRB, to a guarantor or prospective guarantor.
• A credit provider disclosing to another credit provider, for a particular purpose, information it holds about you.

Where the applicant or guarantor is a company of which you are a director, you consent to the use of your information, in addition to the company’s information, in each of the ways listed above.

By signing below, you authorise us to make a request on your behalf to obtain credit reporting information about your consumer and commercial creditworthiness from a CRB. That information will assist us in providing our services to you. This authorisation ceases when we undertake a task on behalf of a credit provider.

Select a provider to visit its website.