You authorise Excellence Finance to give and obtain credit providers named in this application and credit providers that may be named in any credit report issued by a credit reporting agency about me/us any information about my/our credit arrangements. I/We understand this information can include any information about my/our credit worthiness, credit standing, credit history or credit capacity that credit providers are allowed to give or receive from each other under the Privacy Act 1988.
I understand that this information can include personal information about my credit application identity particulars, my credit worthiness, credit history or credit capacity that credit providers are allowed to give or receive from each other under the Privacy Act. If any part of the information is not provided, the Lender may not be able to process my application for a loan.
Personal information is information or opinion that allows others to identify you. It includes your name, age, gender, contact details and financial information. We collect personal information to provide you with the products and services you request as well as information on other products and services offered by us.
We require your consent to use your personal information for these purposes. Without your consent, we may not be able to process the application or provide you with an appropriate level of service. You may request access to your personal information by contacting Excellence Finance.
(Our Privacy Policy Statement is set out below.)
I declare that where I have provided personal information about an individual (such as an employer, accountant, relative, spouse/ partner or contact person) in this application, I have made or will immediately make the individual aware of the fact. I will also immediately make them aware that their personal information has been collected by Excellence Finance and a third party (Bank/Lender) for the purposes of providing me with a loan, the subject of this application (including assessing my application and identifying me), managing and administering the loan and protecting against fraud. I will also immediately make them aware that their personal information may be disclosed to other organisations involved in the provision, management and administration of the loan the subject of this application; that I may not be able to obtain the loan the subject of this application if that individual's personal information is not provided and that the individual can gain access to their personal information by contacting Excellence Finance.
At Excellence Finance we work hard to ensure you get the service you deserve. However, we know sometimes things may go wrong. When this occurs, we need to be advised about it. We want to make it easy for you to tell us about your complaint so we can work together and provide you a good service and make the process right for you.
This policy sets out the principles which govern how we handle and resolve our client’s complaints. It is designed to answer most of your questions.
Personal information is collected so that we may identify you and provide you with the products and services you require and, unless you tell us otherwise, to provide information on other products on offer.
Personal information may also be used for, administering our customer relationships, monitoring and evaluating products and services, gathering and aggregating information for statistical, prudential, actuarial and research purposes, assisting customers with queries and taking measures to detect, prevent frauds and credit loss. If you provide incomplete or inaccurate information, We may not be able to provide you with the products or services you are seeking.
We only collect personal information about you which is necessary for us to establish and administer your account, provide services to you or to comply with the law. This information includes details such as your name, contact address, birth date, account numbers and financial information such as credit history. The purposes for which we will generally collect and use your information include complying with legislative and regulatory requirements, considering any application you make to us and providing services to you, performing administrative functions, conducting customer satisfaction research and telling you about our other products and services. You may tell us at any time that you do not want us to advise you about other products and services.
Excellence Finance is committed in respecting the privacy of your personal information. This policy statement explains how we collect, store, use and disclose customer personal information and what steps we take to comply with privacy laws.
We may also need to disclose information about you to certain organisations in connection with the establishment and administration of your accounts. The types of organisations to which we may disclose this information are our related bodies corporate, regulatory bodies and government agencies, your agents, including brokers or financial advisers, credit and debt agencies, contractors and professional advisers who assist us in providing our services, your referees and guarantors. The information we provide to other organisations will be strictly limited to what is required to provide the service or comply with the law.
In December 2000, the Commonwealth Government enacted further privacy legislation, which commenced 21 December 2001, amending the Privacy Act (implementing the National Privacy Principles) to include provisions the regulate the way private sector organisations collect, use, disclose, keep secure and provide access to personal information.
We protect your personal information in accordance with the National Privacy Principles.
you are entitled to obtain access to the personal information we hold about you. If at any time you believe that the information we hold about you is inaccurate, incomplete or out of date, please contact us and, where appropriate, we will correct our records.
We take all appropriate steps to prevent misuse, loss, unauthorised access to, and modification or disclosure of your personal information.
We have a number of procedures which we follow to make sure that personal information we collect and use is accurate, complete and up-to-date.
Internet cookies are small strings of text placed on users hard drives during the exchange of data that happens when a browser points to a website. Cookies are random data tags to identify you as a separate, unnamed visitor to our Internet site. Cookies have no way of disclosing your name or any personal information.
Cookies are used on our websites to monitor the traffic to our website. They are used to count the number of visitors to each page and to track the path of each visitor takes to navigate this website but no personal information about you is collected during this process. If our website requires you to register or login to gain access to the site, cookies are used to assist in this process. They are used as part of the registration process. They are also used to store the username while the user is logged into the website and to track the number of times the user has tried to log in during a single visit.