Privacy Policy
Introduction
PayFaster Pty Ltd (T/A CashFaster)
(“we”/”us”/”our”) endeavour at all times to comply with the Privacy Act 1988 and the Australian Privacy Principles which together will be referred to in this policy as “Australian Privacy Law.”
This Privacy Policy applies to all persons accessing our website, dealing with us or from whom we otherwise collect personal information. We also collect personal and credit information provided by persons applying for or receiving credit from us and, in doing so, endeavour at all times to comply with Australian Privacy Law.
Pseudonyms
You are not required to provide us with your name or any personal information if you do not wish to. You are free to use any name allowed by law. We, however, will not deal further with you without obtaining your real name and other verifiable pieces of personal information. We are not permitted by law to provide you with credit without obtaining proof of your identity.
The kinds of personal information we collect
By accessing this website or otherwise dealing with us you agree to our Privacy Policy in relation to the collection of personal information by the website.
As a result of your visit to our website, we may collect and store information about your visit to this website including:
- the domain name and IP address of the computer from which you accessed the internet;
- the date and time you accessed the website;
- the internet address of the website from which you linked directly to our website;
- the pages you accessed while visiting the website; and
- through the use of websites, software and internet tracking devices such as cookies, anonymous identifiers and session variables, we may also collect your email address.
Your internet service provider or the providers of your internet browser software may also collect such information for their own purposes. We are not responsible for the collection, storage and use of such information by these entities and refer you to their respective privacy policies.
As a result of you dealing further with us, whether as a prospective customer, an actual customer, guarantor and prospective guarantor, contractor, supplier or service provider, we may collect and store personal information from you such as:
- your name;
- address, previous addresses and how long you have lived at those addresses;
- date of birth;
- your employer, previous employers and how long you have been in such employment;
- your email address;
- your telephone numbers; and
- the details of any references you supply, including the names and addresses of your referees.
If you apply to us for credit we will collect and store credit information in addition to the above personal information.
If you apply to us for employment, we may also collect and store personal and, in addition, sensitive information about you including your:
- education, training and other qualifications;
- work history;
- professional or trade associations or union membership;
- hobbies and other interests; and
- criminal history.
How we collect your personal information
We may collect personal information about you from your visit to our website through the use of technologies such as anonymous identifiers, session variables, and cookies. You may be able to set your internet web browser to block or limit cookies. Some features of our website may not work as efficiently or not at all if you have done so.
As a result of you dealing further with us, we may collect personal information directly from you and this may be in person, over the telephone, by mail, over the internet, by email or fax or by completion of an application or consent form whether on-line or otherwise.
If you:
- apply to us for credit;
- receive credit from us;
- apply for employment with us;
- enter a competition with us;
- otherwise communicate with us;
we may collect personal, credit and sensitive information about you from other sources when it is impractical or unreasonable for us to collect it directly from you.
Among these other sources may be:
- someone authorised by you such as an agent, broker, accountant, solicitor, financial counsellor, introducers or a guarantor;
- a referee;
- an employer;
- a government body;
- another financial institution;
- a professional or trade association or trade union
- our agents.
and we may collect that information directly from them in person, over the telephone, by mail, over the internet, by email or fax or by completion of an application or consent form whether on-line or otherwise.
How we hold your personal information
We use our best endeavours and take all reasonable steps to secure your personal information including:
- maintenance of a secure environment for storage of information whether in hard copy or in electronic form;
- requiring that access to such information be confined to authorised personnel only;
- using technology such as encryption and password protection to secure any information kept in electronic form.
We are not responsible for the security of any computer or other device which you use to access our website.
The purposes for which we collect, hold, use and disclose your personal information
If you are a user of our website, a prospective customer, a customer or guarantor of a customer’s credit, a contractor or supplier of goods and services to us, a job applicant or other person from whom we collect, hold, use and disclose your personal information we shall do so only for those purposes which are:
- permitted by Australian Privacy Law;
- necessary for:
- the administration of any contract of supply of goods or services to or by us;
- the provision of our products to our customers;
- the consideration, assessment and administration of any proposed guarantee of credit;
- assessment and processing of any job application;
- otherwise for the administration and management of our business;
- for the improvement of website useability;
- required by law;
- required in order to investigate or assist with any investigation into any complaint about the conduct of our business, in particular, under Australian Privacy Law;
- to otherwise enforce any term of any contract or other right which arises out of our dealings with you.;
- to communicate with you, by way of direct marketing, information about our products and services. If you do not wish us to do so, you can “opt out” of such communication by informing us in person, by telephone, by facsimile, by post or by email;
- necessary as part of a prospective sale, transfer or restructure of our business; or
- to otherwise communicate with you or the purposes outlined above.
In addition, if you apply to us for credit or receive credit from us, we will collect, hold, use and disclose your personal information in order to:
- assess your credit application including that of any proposed guarantor;
- manage your credit contract;
- collect any debt or otherwise enforce any rights arising under your contract.
Whether we supply your personal information to overseas recipients
We supply your personal information to overseas recipients as part of our information technology systems. Those recipients are likely to be in the following countries: the United States of America
How you may access your personal information held by us
You may request access to your personal, sensitive and credit information held by us by identifying yourself in person, by facsimile or by scanned attachments to an email and sending your request for access to us at:
PayFaster Pty Ltd (T/A CashFaster)
ABN 47 651 975 932,
Email: contact@cashfaster.com.au
Phone Number: 1800 953 364
If we are unable to grant your access to personal information, we will give you our reasons in writing within a reasonable time. These may include where providing the information to you may:
- reveal personal information about another individual person;
- pose a threat to the health or safety of another individual person;
- not be permitted by law;
- reveal internal information of a commercially sensitive nature which is not required to be disclosed to you by Australian Privacy Law.
How you may correct any personal information we hold about you which is incorrect
If you believe any personal information which we hold about you is incorrect, please contact us in person by telephone, by facsimile, by email, identify yourself and tell us what information which we hold about you is, in your belief, incorrect and how you want it changed. If we cannot agree to the change to the information which you have requested, we will give you reasons in writing.
How you may complain about how we deal with your personal information
If you are not satisfied with the reasons referred to above or otherwise have any complaint about how we collect, hold, use or disclose your personal information please contact our Privacy Officer who will then follow our Privacy Internal Dispute Resolution process. Our Privacy Officer can be contacted by email on privacy@cashfaster.com.au or call our friendly team on +61 1800 953 364 .If you are not satisfied with our Privacy Internal Dispute Resolution process, you may refer your complaint to:
The Office of the Australian Information Commissioner
GPO Box 2999
CANBERRA ACT 2601
Tel: 1300 363 992
Fax: 02 9284 9666
Website: www.oaic.gov.au
Changes to this Policy
From time to time, we may make changes to this Privacy Policy because of:
- changes to the law;
- changes to technology;
- changes to our systems.
We will notify such changes on our website. Where the changes may affect you in a particular way, and you have a (consumer) credit contract with us, we will notify you if required by Australian Privacy Law.
ACKNOWLEDGMENT AND CONSENT
- The Lender may use and exchange my customer data with other credit providers;
By signing or consenting to this agreement, I understand that the information the Lender may exchange with other credit providers and alternate service providers (such as credit file repair services, budgeting services and rental services) includes my application information held by the Lender, my identification details, what type of loans I have, how much I have borrowed, whether or not I have met my loan payment obligations and if I have committed a serious credit infringement (for example, fraud).
The Lender may exchange and sell my customer data to other credit providers and alternate service providers who may use my customer data for any of the purposes for which the Lender can use it. I can request that this authority be withdrawn at any time.
2. The Lender may use and exchange my customer data with third parties
Where permitted by law or for any of the purposes mention in clause 1, the Lender can exchange my Customer Data with third parties including:
- Service providers, for example credit providers, lenders, credit file repair services, budgeting services and rental services;
- The provider of the market for the sale or distribution of my customer data;
- Those to whom the Lender or any of the third parties outsources certain functions, for example direct marketing, statement production, debt recovery and information technology
support; - Government and law enforcement agencies or regulators;
- Credit reporting bodies and credit providers
3. Anti-Hawking
I understand that as a result of clauses 1 and 2 and any agreement I give in that respect, I may be offered a financial product from another lender based on their credit assessment of my application it may not be the exact same type or amount I applied for.