Privacy Disclosure & Consent Statement

Before beginning your application please ensure you have read and understood the Car Loans Newcastle privacy disclosure below and click on "Accept" to continue to your application.

This statement describes how your personal information is collected, used, handled and disclosed in connection with an Car Loans Newcastle Pty Ltd Loan. It also describes the matters to which you give your consent in applying for an Car Loans Newcastle Pty Ltd/ National Credit Starters Pty Ltd (NCS) Loan.

Personal information we collect will be treated strictly in accordance with our Privacy Policy and the Privacy Act 1988. You can request access to the information held about you and obtain a copy of our Privacy Policy by calling us on 07 3219 5900.

Collection and use of your personal information

The personal information collected about you is collected primarily for the purpose of considering an application for credit and managing any credit facility subsequently provided. Your information may be provided to the financiers considering your loan application and may include GE, Capital Finance, St George Bank, St George Finance, Macquarie Leasing, Macquarie Bank, Liberty, AMF, National Car Loans,ANZ Bank and other financiers who Car Loans Newcastle believe to be a suitable option for your credit requirements. In addition, your personal information is collected for some secondary purposes including:

• correspondence with you by us and our agents in relation to the loan contract;
• marketing products and services provided by us;
  developing an understanding of the products and services you may be interested in receiving; and
• compiling statistical data e.g. credit scoring information.

We may collect information about you such as your credit worthiness and credit history from credit providers named in the credit application or in any consumer credit report about you. We may collect information about you from a business which provides information about commercial credit worthiness for the purpose of assessing the application, even if it is an application for consumer credit. We may not be able to process the credit application without the information requested. Disclosure of your personal information

We may disclose personal information collected about you in the following circumstances:

• to any other applicant or borrower involved in the loan application;
  
• to any broker or franchisee who referred the loan application to us;
  
• to our contractors (such as any mail house or commercial agent) but only where the contractors are committed to meeting the same privacy obligations as those binding on us;
  
• to participants involved in any funding, securitisation or assignment of your loan contract;
  
• to our related entities;
  
• in accordance with any consent you give or where disclosure is authorised or compelled by law.

We may give a credit reporting agency your personal information including:

• your full name, including any known aliases, your sex and your date of birth;
  
• your most recent three addresses;
  
• the name of your current or last known employer;
  
• your driver's licence number;
  
• details of cheques drawn by you for $100 or more which have been dishonoured more than once;
  
• the fact that you have applied for credit and the amount;
  
• the fact that we are a current credit provider to you;
  
• details of payments which are more than 60 days overdue where debt collection action has commenced;
  
• advice that payments are no longer overdue;
  
• the fact that the credit we provide has been paid or discharged; and
  
• that in certain circumstances, you have committed a serious credit infringement.

On behalf of the lender, we may disclose information about you including your credit worthiness or credit history to other credit providers to assess an application by you for credit, to notify them of a default by you and to inform other credit providers who allege you are in default with them. We may disclose your information to any person reasonably necessary for the purposes of that person taking an assignment of any contract we have with you.

Information about other persons

If you provide information about any other person, such as a referee, you agree to tell them:

• that you are providing this information to us;
  
• of our contact details on this form;
  
• the reason you are providing their information; and
  
• that fact that personal information is collected, used and disclosed as described above.

E-mail Communication

If you provide us with an e-mail address for correspondence, you consent to electronic communications being sent to you via that e-mail address, including notices and reminders. To protect your privacy, we recommend that any e-mail address you provide to us be your personal e-mail address rather than, for example, an e-mail address accessible by your work colleagues or family members. Prior verbal applications Where you have made an initial verbal application for credit (for example by telephone), by signing this document you acknowledge that you were informed of, and agreed to, the collection, use and disclosure of your personal information as set out above,

By electronically agreeing to this form, you agree to the collection, use and disclosure of your personal information as outlined above.