Central to the success of AFS is our commitment to our clients. We take our obligations to handle your personal information in accordance with the requirements of the Privacy Act seriously. This Privacy Policy sets out details about how we manage your personal information.
The personal information we collect and hold
We only collect and hold personal information about you which is reasonably necessary for our functions and activities, which includes the following purposes:
We generally collect and hold the following kinds personal information relating to our customers or loan applicants:
We may also collect and hold sensitive information about you, including information relating to:
We may collect and hold Health Information where we are assisting customers to procure products with an insurance component. We do not use or share that information for any purpose other than the underwriting or administration of a customer's policy, claim or account, or as otherwise disclosed to the customer when the information was collected.
Additionally, in the course of our business we collect and hold personal information about:
The purposes for which AFS collects, holds, uses and discloses personal information
AFS collects, holds, uses and discloses personal information about customers or applicants in order to:
AFS also collects, holds, uses and discloses personal information about:
How personal information is collected, used and disclosed
If you are a credit applicant, we will collect personal information about you directly from you or through finance brokers or other loan originators who submit your credit application to us on your behalf. We may also collect personal information about you from other persons, organisations and public sources as set out below.
We may, now and in the future, use and disclose your personal information to, and collect personal information about you from:
How we hold personal information
We use security procedures and modern technology to protect the personal information that we hold. Much of the information we hold is stored electronically on servers owned by AFS or AFS’ related bodies corporate that are located in company premises or in secure data centres located in Australia. Access to and use of this information within AFS is appropriately limited to protect from misuse or unlawful disclosure of the information.
How you can access and seek correction of your information
You can contact us to request access to the personal information that we hold about you. Generally, we will give you access to your personal information. However, there may be exclusions that apply that permit us to not provide you with access in some circumstances. If access is denied, we will provide you with the reason why unless, having regard to the grounds for refusal, it would be unreasonable for us to do so.
You can also contact us to request that we correct personal information that we hold about you.
Any request to access or correct personal information should be made to AFS Privacy Officer using the contact details set out below and will be dealt with in accordance with the Privacy Act. Disclosing your information overseas
If you are a credit applicant and have been a resident in New Zealand, we are likely to disclose your personal information to an overseas recipient located in New Zealand in order to obtain credit information about you from New Zealand sources.
Marketing
We may use and disclose your personal information to inform you about other products and services we think may be of interest to you in the future, and we may also disclose your personal information to AFS' related bodies corporate (together referred to as "the Related Companies") so that they may inform you about products and services in the future, including for direct marketing by AFS and Related Companies or by other organisations.
We respect your right to ask us not to use your information for direct marketing and AFS, the Related Companies and other organisations will not send you information about products and services if you so request by contacting AFS using the contact details set out below.
Complaints
If you have a complaint about the way we have dealt with your personal information or think that we have breached the Australian Privacy Principles, you may make a complaint by contacting our Privacy Officer at the contact details listed below.
We will respond to complaints within a reasonable time (generally 30 days).
If you disagree with our decision, you may refer your complaint to:
Cookies
A 'cookie' is a packet of information placed on a user's computer by a website for record keeping purposes. Cookies may be used on the AFS site to:
Cookies may also be used for other purposes on the AFS site but in each case none of the information collected can be used to personally identify you.
You can configure your browser to accept all cookies, reject all cookies, or notify you when a cookie is sent. (Each browser is different, so check the "Help" menu of your browser to learn how to change your cookie preferences).
If you disable the use of cookies on your web browser or remove or reject specific cookies from this website or linked sites then you may not be able to gain access to all of the content and facilities in this website.
Dealing with AFS online
If you visit AFS website to browse, read or download information, our system will log these movements. These web site logs are not personally identifiable and AFS makes no attempt to link them with the individuals who browse the site.
Your account information is password protected and we recommend you do not divulge your password to anyone. To further protect your personal information, your log-in time will automatically expire after a certain period of inactivity.
AFS cannot guarantee or accept responsibility for the privacy practices or the content of web sites to which we provide links.
Contact Us
If you have any questions regarding our privacy policy or handling of information, please contact our Privacy Officer at the details below:
Addressee: The Privacy Officer
Phone: 1800 688 995
Writing: Automotive Financial Services Pty Limited
GPO Box 443, Brisbane QLD 4001
Emailing: privacy@afs.com.au
Our Credit Reporting Policy explains how we manage your credit information. Our handling of credit information is regulated by the Privacy Act and the Privacy (Credit Reporting) Code (known as the 'CR Code').
We are bound by the Privacy Act and will protect your credit information in accordance with it and the CR Code. These instruments regulate how we manage and collect your credit information.
The kinds of Credit Information we collect and hold
The kinds of Credit Information that we may collect and hold include:
The kinds of Credit Eligibility Information we hold
The kinds of Credit Eligibility Information we hold about you include:
The kinds of CP Derived Information we usually derive
We develop information based on Credit Reporting Information that we receive which we use to generate an internal credit score to form a view on your credit worthiness and assess your application. We also develop information to generate an internal risk profile for you in connection with your credit application.
How Credit Information is collected
We collect Credit Information about you through a number of methods:
The purposes for which we collect, hold, use and disclose Credit Information and Credit Eligibility Information
The purpose for which we collect, hold, use and disclose Credit Information and Credit Eligibility Information are:
How we hold Credit Information and Credit Eligibility Information
We use security procedures and modern technology to protect the Credit Information and Credit Eligibility Information that we hold. Much of the information we hold is stored electronically on servers owned by AFS or its related bodies corporate that are located in company premises or in secure data centres located in Australia. Access to and use of this information within AFS is appropriately limited to protect it from misuse or unlawful disclosure of the information.
How you can access and seek correction of your information
You can contact us to request access to the Credit Eligibility Information that we hold about you. Generally, we will give you access to the Credit Eligibility Information. However, there may be some exclusions that apply that permit us not provide you with access in some circumstances. If access is denied, we will provide you with the reason why unless, having regard to the grounds for refusal, it would be unreasonable for us to do so.
You can also contact us to request that we correct Credit Information or Credit Eligibility Information that we hold about you.
Any request to access or correct information should be made to the AFS Privacy Officer using the contact details set out below and will be dealt with in accordance with the Privacy Act.
Disclosing your information overseas
If you are a credit applicant and have been a resident in New Zealand, we are likely to disclose your identification information (which is a subset of Credit Information) to an overseas recipient located in New Zealand in order to obtain credit information about you from New Zealand sources.
Complaints
If you believe that the privacy of your Credit Information or Credit Eligibility Information has been compromised, or if you believe that we have breached Division 3 of Part IIIA of the Privacy Act or the Credit Reporting Code of Conduct (Credit Related Complaint) you may make a complaint by contacting our Privacy Officer at the contact details listed below. If you wish to make a Credit Related Complaint, you must specify the nature of the complaint.
If you make a Credit Related Complaint, we will:
If we consider that it is necessary to consult a Credit Reporting Body or credit provider about the complaint, we will do so.
After investigating your complaint, we will, make a decision about the complaint and give you a written notice that:
within 30 days commencing on the day on which your complaint is made or where we agree to a longer period in writing.
If you disagree with the decision, you may:
Contact Us
If you have any questions regarding our credit reporting policy or handling of Credit Information or Credit Eligibility Information, please contact our Privacy Officer at the details below:
Addressee: The Privacy Officer
Phone: 1800 688 995
Writing: Automotive Financial Services Pty Limited
GPO Box 443, Brisbane QLD 4001
Emailing: privacy@afs.com.au
AFS Credit Reporting Statement
The Credit Reporting Bodies to which we are likely to provide your personal information are:
A copy of Equifax's policy about the management of credit related personal information may be obtained by visiting the Equifax website at www.equifax.com.au.
Credit Reporting Bodies may include personal information about you provided to them by AFS in reports provided to credit providers to assist them to assess your credit worthiness.
If you fail to meet your payment obligations in relation to consumer credit or commit a serious credit infringement, we may be entitled to disclose this to Credit Reporting Bodies.
You have a right to request Credit Reporting Bodies not to use your Credit Reporting Information for the purposes of pre-screening of direct marketing by a credit provider.
You have a right to request Credit Reporting Bodies not to use or disclose your Credit Reporting Information if you believe on reasonable grounds that you have been, or are likely to be, a victim of fraud.
Subject to applicable exemptions under the Privacy Act, you have a right to access personal information held by AFS (including Credit Eligibility Information) and to request that AFS correct personal information we hold about you (including Credit Information and Credit Eligibility Information) and to make a complaint to us.
A copy of AFS's Credit Reporting Policy is set out above and can also be obtained by calling 1800 688 995 or by visiting this current page on our website at www.afs.com.au.
Definitions
For the purposes of this Privacy Policy, Credit Reporting Policy and Credit Reporting Statement:
Credit Reporting Information: about an individual means Credit Information, or CRB Derived Information, about the individual.
Credit Eligibility Information: about an individual means:
CP Derived Information means any personal information about you:
Credit Reporting Body: means an organisation or an agency prescribed under the Privacy Act that carries on a business or undertaking that involves collecting, holding, using or disclosing personal information about individuals for the purposes of, or for purposes including the purpose of, providing an entity with information about the credit worthiness of an individual.
CRB Derived Information: about an individual means any personal information about an individual:
Credit Information: about an individual is personal information that is:
Health Information: means:
that is also personal information; or
Official Record Holder: means the Australian Federal Government and different state government agencies which issue legal identity documents or hold the Verification Information.
Personal information: is information or an opinion about an identified individual, or an individual who is reasonably identifiable:
and includes "sensitive information" (as defined in the Privacy Act).
If you have any questions regarding our credit reporting policy or handling of Credit Information or Credit Eligibility Information, please contact our Privacy Officer.
You can contact our Privacy Officer directly at the details below:
Addressee: The Privacy Officer
Phone: 1800 688 995
Writing: Automotive Financial Services Pty Limited
GPO Box 443, Brisbane QLD 4001
Emailing: privacy@afs.com.au