Residential & Commercial Lending
Podium Equipment Finance
Who are we?
‘We’, ‘us’ and ‘our’ refers to the Broker, Aggregator, Australian Credit Licensee and our related businesses outlined in the Credit Guide provided to you.
Our commitment to protect your privacy
We understand how important it is to protect your personal information. This document sets out our privacy policy commitment in respect of personal information we hold about you and what we do with that information.
We recognise that any personal information we collect about you will only be used for the purposes we have collected it or as allowed under the law. It is important to us that you are confident that any personal information we hold about you will be treated in a way which ensures protection of your personal information.
Our commitment in respect of personal information is to abide by the Australian Privacy Principles for the protection of personal information, as set out in the Privacy Act and any other relevant law.
Personal information
When we refer to
Personal information we mean information from which your identity is reasonably apparent. This information may include information or an opinion about you. The personal information we hold about you may also include credit information.
Credit information is information which is used to assess your eligibility to be provided with finance and may include any finance that you have outstanding, your repayment history in respect of those loans, and any defaults. Usually, credit information is exchanged between credit and finance providers and credit reporting bodies.
The kinds of personal information we may collect about you include your name, date of birth, address, contact details, account details, occupation, and any other information we made need to identify you.
If you submit inquiries or information using our website we may also collect the type of finance and the amount of finance that you are interested in obtaining, and any information that you provide to us directly through our website or indirectly through use of our website.
If you are applying for finance we may also collect the ages and number of your dependants and cohabitants, the length of time at your current address, your employment details and proof of earnings and expenses. If you apply for any insurance product through us we may also collect your health information. We will only collect health information from you with your consent.
Why we collect your personal information
We collect personal information for the purposes of assessing your application for finance and managing that finance. We may also collect your personal information for the purposes of direct marketing and managing our relationship with you. From time to time we may offer you other products and services.
We collect personal information on our website to send communications requested by you and to answer enquiries and provide information or advice to you.
To enable us to maintain a successful business relationship with you, we may disclose your personal information to other organisations that provide products or services used or marketed by us. We may also disclose your personal information to any other organisation that may have or is considering having an interest in your finance, or in our business.
How do we collect your personal information?
Where reasonable and practical we will collect your personal information directly from you.
We may also collect your personal information from LM Broker Services, other finance brokers and other people such as accountants and lawyers.
Do we disclose your personal information?
We may disclose your personal information:
- to prospective funders or other intermediaries in relation to your finance requirements;
- to other organisations that are involved in managing or administering your finance such as third party suppliers, printing and postal services, call centres;
- to associated businesses that may want to market products to you;
- to companies that provide information and infrastructure systems to us;
- to anybody who represents you, such as finance brokers, lawyers and accountants;
- to anyone, where you have provided us consent;
- where we are required to do so by law, such as under the Anti-Money or Laundering and Courter Terrorism Financing Act 2006 (Cth);
- to investors, agents or advisers, or any entity that has an interest in our business; or
- to your employer, referees or identity verification services.
Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:
(a) the person or organisation has a commitment to protecting your personal information at least equal to our commitment, or
(b) you have consented to us making the disclosure.
Do we disclose your personal information to anyone outside Australia?
We may disclose personal information to our related bodies corporate and third party suppliers and service providers located overseas for some of the purposes listed above. We take reasonable steps to ensure that the overseas recipients of your personal information do not breach the privacy obligations relating to your personal information.
We may disclose your personal information to entities and services located outside of Australia, including the following:
- our data hosting and other IT service
- providers, located in various countries; and
- other third parties located in various foreign countries, including Philippines & USA.
Your personal information may be stored in the cloud in an overseas country. If your information is stored in this way, disclosures may occur in countries other than those listed.
In the event that a disclosure is made in an overseas country, the information will be under a foreign law and may not be protected by the Australian Privacy Principles. In any event, by providing your details, you consent to your information being disclosed in this manner.
Direct marketing
From time to time we may use your personal information to provide you with current information about finance, offers you may find of interest, changes to our organisation, or new products or
services being offered by us or any company with whom we are associated.
If you do not wish to receive marketing information, you may at any time decline to receive such information by contacting us. If the direct marketing is by email you may also use the unsubscribe function. We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity.
Updating your personal information
It is important to us that the personal information we hold about you is accurate and up to date. During the course of our relationship with you we may ask you to inform us if any of your
personal information has changed.
If you wish to make any changes to your personal information, you may contact us. We will generally rely on you to ensure the information we hold about you is accurate or complete.
Access and correction to your personal information
We will provide you with access to the personal information we hold about you. You may request access to any of the personal information we hold about you at any time.
We may charge a fee for our costs of retrieving and supplying the information to you.
Depending on the type of request that you make we may respond to your request immediately, otherwise we usually respond to you within seven days of receiving your request. We may need to contact other entities to properly investigate your request.
There may be situations where we are not required to provide you with access to your personal information, for example, if the information relates to existing or anticipated legal proceedings, or
if your request is vexatious.
An explanation will be provided to you if we deny you access to the personal information we hold about you.
If any of the personal information we hold about you is incorrect, inaccurate or out of date you may request that we correct the information. If appropriate we will correct the personal information. At the time of the request, otherwise, we will provide an initial response to you within seven days of receiving your request. Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the personal information within 30 days.
We may need to consult with other entities as part of our investigation.
If we refuse to correct personal information we will provide you with our reasons for not correcting the information.
Using government identifiers
If we collect government identifiers, such as your tax file number, we do not use or disclose this information other than required by law. We will never use a government identifier in order to identify you.
Business without identifying you
In most circumstances it will be necessary for us to identify you in order to successfully do business with you, however, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information, for example, if you make general inquiries about interest rates or current promotional offers.
Sensitive information
We will only collect sensitive information about you with your consent. Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.
How safe and secure is your personal information that we hold?
We will take reasonable steps to protect your personal information by storing it in a secure environment. We may store your personal information in paper and electronic form. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.
Complaints
If you are dissatisfied with how we have dealt with your personal information, or you have a complaint about our compliance with the Privacy Act, you may contact us via the contact link on our website.
We will acknowledge your complaint within seven days. We will provide you with a decision on your complaint within 30 days.
If you are dissatisfied with the response of our complaints officer you may make a complaint to the Privacy Commissioner which can be contacted on either www.oaic.gov.au or 1300 363 992.
Further information
You may request further information about the way we manage your personal information by contacting us.
Change in our privacy policy
We are constantly reviewing all of our policies and attempt to keep up to date with market expectations. Technology is constantly changing, as is the law and market place practices.
As a consequence we may change this privacy policy from time to time or as the need arises.
You may request this privacy policy in an alternative form.
Effective date: August 2021
PRIVACY DISCLOSURE STATEMENT & E-MAIL COMMUNICATION CONSENT
OVERVIEW
This Privacy Disclosure Statement & E-mail Communication Consent is relevant to:
Podium Equipment Finance , Credit Representative of:
COG Aggregation Pty Ltd. Australian Credit Licence no. 389527 ABN 99 124 319 857. Address: Level 1, 2 Roche Street, HAWTHORN VIC 3122(we, us, our).
We collect and store information about you for the purposes you agree to in this Privacy Disclosure Statement and E-mail Communication Consent, subject to Australia’s privacy and credit reporting laws including the Privacy (Credit Reporting) Code 2024 (CR Code). Your credit and personal information will be handled in accordance with the CR Code.
When you sign below, you agree we can, consistent with Australia’s privacy and credit reporting laws, collect, use and exchange credit and personal information about you for those purposes.
PRIVACY DISCLOSURE STATEMENT AND E-MAIL COMMUNICATION CONSENT
We are collecting credit-related personal information (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; or
- Other services stated in this Privacy Disclosure Statement and E-mail Communication Consent (Consent); or
- To support a guarantor application you will 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 to manage the application process, where required. If you do not provide the information sought, we may be unable to process your application, or the company’s application, or we may be limited in the other services we can offer you or the company.
YOUR INFORMATION — COLLECTION AND CREDIT REPORTING BODY (CRB) DISCLOSURES 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 or lessor and/ or insurance provider.
We may:
- Disclose your identification information to a CRB and in some cases obtain a credit report;
- Use any 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 or credit providers to apply for finance on your behalf; and
- Disclosure your personal information to an aggregator to enable submission of your credit application to the credit provider.
The information we obtain from you is used, subject to compliance with Australia’s privacy and credit reporting laws including the CR Code, 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.
CREDIT PROVIDERS
As part of providing our services to you, we may undertake tasks for a credit provider which is reasonably necessary to manage the application process. When doing so, we are acting as agent 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 set out in the Schedule 1 at the end of this document.
A credit provider, to whom we submit an application, may disclose information about you to, and collect information about you from, from one or more CRBs. Credit providers may also engage directly with a CRB to make a credit enquiry and you can ascertain the details on this and how they handle personal and credit information via their websites which are listed in our Schedule 1 – Credit Providers.
The website of each credit provider contains details of each CRB with which it deals and other detail about information held about you, including whether that information may be held or disclosed overseas and, if so, in which countries. The websites also describe your key rights. This detail may be described on the credit providers’ websites as ‘notifiable matters’, ‘privacy policy’, ‘credit reporting policy’ or ‘privacy disclosure statement and consent’, or similar.
For each CRB the website details will include the following specific information:
- That the CRB may include information the credit provider discloses about you to other credit providers to assess your credit worthiness;
- That, if you become overdue in making credit payments or you 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 the privacy and credit reporting laws;
- Your right to request a CRB not to undertake pre- screening for purposes of direct marketing by a credit provider; and
- Your right to request a CRB not to release information about you if you believe you are a victim of fraud.
Credit providers may provide your personal information (including information about your driver licence or passport) to an organisation providing verification of your identity, (including credit reporting bodies), to request an assessment of whether the information matches information held by the issuer of the identification document via the use of third-party systems (this may also include electronic identity verification). Alternative means of verifying your identity may be available.
This detail will also be included by the credit provider who approves your application in the privacy disclosure statement and consent document it will provide to you.
Each credit provider website includes information on how to contact the credit provider and how to obtain a copy of its privacy documents in a form that suits you (e.g. hardcopy or email).
YOUR RIGHTS
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 inaccurate, incomplete and/or incorrect;
- Us for copies of our privacy policy and this document, in a form that suits you (e.g. hardcopy or email);
- The CRB not to use your information for direct marketing assessment purposes, including pre-screening; and
- The CRB to provide you with a copy of the information it holds about you.
You can gain access to the information we hold about you by contacting our Privacy Officer at the address above or by telephone on 1300 887 754 or email at compliance@cogfs.com.au in some cases an administration fee may be charged to cover the cost of providing the information.
You also agree and consent to, as appropriate:
- A CRB disclosing consumer credit information to one or more credit providers specified in the Schedule 1 below for the purpose of assessing your application for consumer or commercial credit or your guarantor application, and/or assessing a credit application by a company of which you are a director;
- When you are a prospective guarantor, a credit provider using that information to assess your suitability as a guarantor;
- A credit provider disclosing your credit information (including information obtained by it from a CRB) to a guarantor, or a prospective guarantor; and
- A credit provider disclosing to another credit provider, to your agent, such as us as your broker, or to a servicer, for a particular purpose, information it holds about you.
Our Privacy Policy is available on our website at www.podiummoney.com.au or we will provide you with a copy if you ask us. Our Privacy Policy contains information about how you may complain about a breach of your privacy and how that complaint will be dealt with. Schedule 2 at the end of this document sets out the contact details for each CRB service.
In the event of a data breach involving your information, we will notify you as soon as practicable in accordance with our obligations under the CR Code.
DISCLOSURE AND CONSENT
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 to assess a credit application by a company of which you are a director;
- To source any finances you required;
- To source any insurances you require; and
- As the law authorises or requires.
- Disclose to, and obtain from, any prospective credit provider or insurer, information about you that is reasonably necessary to obtain the finance and insurances you require;
- Check your information with the document issuer, such as an employer or accountant or official record holder for the purpose of confirming your identity and information you have provided;
- 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 of the credit providers specified in Schedule 1 so they can assess your application, or 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 of other goods or services we, or any of our associated entities, may be able to provide to you or the company, unless you tell us not to;
- Disclose your personal and credit information to the extent permitted by law to other organisations that provide us with services, such as contractors, agents, printers, mail houses, lawyers, document custodians, securitisers and computer systems consultants or providers, so they can perform those services for us. This includes service providers located overseas. It is not practical to list every country in which recipients will be located, however it is likely to include, Germany, New Zealand, United Kingdom, Philippines, Singapore, Malaysia, Vietnam & United States of America; and
- Disclose your personal information to any other organisation that may wish to acquire, or has acquired, an interest in our business or any rights under your contract with us, or the contract with us of a company of which you are a director.
EXTENDED EFFECTIVENESS FOR COMMERCIAL CREDIT
Your agreement and consent to the disclosures and consents in this document will be effective for a period of 12 months, but only in relation to commercial credit. Your agreement to this ceases when you either withdraw it by contacting us using our details above or 12 months after you sign below, whichever first occurs. This will allow us to continue to provide our services to you without the need to ask you to sign a new privacy statement and consent each time you require commercial credit within a 12-month period. The extended effectiveness does not apply in relation to consumer credit.
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.
EFFECTIVENESS FOR CONSUMER CREDIT
This authorisation ceases when we undertake a task on behalf of the credit provider.
SOUTH AUSTRALIA
For specific finance transactions we may arrange for you, we will tell you details of the amounts we receive or pay or are likely to receive or pay, or if not known at the time, how these amounts are calculated and/or reasonable estimate of the amounts, as well as who pays and receives these amounts.
APPPOINTMENT TO ACT
I hereby appoint the above-named credit representative to act as my/our finance broker. This mandate confirms that the above-named credit representative has been appointed to collect, collate, and prepare relevant documentation and forward to potential lenders and/ or financial intermediaries.
ELECTRONIC COMMUNICATION CONSENT
By signing the below you acknowledge that:
- paper documents may no longer be given;
- you authorise us to provide you with documents, such as a Credit Guide, Quote for providing credit assistance, Credit Proposal Disclosure Document, this Privacy Disclosure Statement & E-mail Communication Consent and other information, by electronic communication to the e-mail address set out below (see the Authorisation section of this Privacy Disclosure Statement and E-mail Communication Consent);
- you agree to regularly check your e-mail address for documents we may have sent you by electronic communication; and
- consent to the provision of documents by electronic communication may be withdrawn at any time.
You can cancel your consent to receive electronic communication at any time, by contacting us via e-mail at: Info@platform.com.au or by phone 1300 730 856.
AUTHORISATION
By signing the below you also authorise us to make a request on your behalf to obtain credit reporting information about your consumer and commercial credit worthiness from a CRB. That information will assist us in providing our services to you. You give us your voluntary and explicit consent for the collection, use, and disclosure of your credit-related personal information in accordance with the CR Code.
APPLICANT / DIRECTOR / GUARANTOR SIGNATURE
| APPLICANT / DIRECTOR / GUARANTOR | |
|---|---|
| Signature | |
| Full Name | |
| Date | |
| E-mail address | |
Consumer
| SCHEDULE 1 – CREDIT PROVIDERS | |||||
| Name of Credit Providers | Websites | Name of Credit Providers | Websites | ||
| ACN 603 303 126 Pty Ltd t/as Angle Finance | www.anglefinance.com.au | Money Place Assets Pty Ltd | www.moneyplace.com.au
|
||
| Allied Retail Finance Pty Ltd t/as The Asset Financier | www.alliedcredit.com.au | Money Place AFLS Ltd | www.moneyplace.com.au
|
||
| Affordable Car Loans Pty Ltd | www.affordablecarloans.com.au | Money 3 Loans Pty Ltd | www.money3.com.au | ||
| Alex Bank Pty Ltd | www.alex.bank | Moneytech Finance Pty Ltd | www.moneytech.com.au | ||
| ANZ Banking Group Pty Ltd | www.anz.com
|
Morris Finance Ltd | www.morrisfinance.com.au | ||
| Australian Motorcycle Marine Finance Pty Ltd
|
www.ammf.com.au | Moula Money Pty Ltd | www.moula.com.au
|
||
| Automotive Financial Services Pty Ltd | www.afs.com | Multipli Pty Limited
|
www.multipli.com.au
|
||
| Azora Asset Finance Pty Ltd | www.azorafinance.com.au
|
National Australia Bank Limited | www.nab.com.au | ||
| Branded Financial Services Pty Ltd | www.brandedfinancial.com.au
|
Now Finance Group Pty Ltd | www.nowfinance.com.au | ||
| Bank of Queensland Limited | www.boq.com.au | On Deck Capital Pty Limited | www.ondeck.com.au | ||
| Bizcap AU Pty Ltd t/as Bizcap | www.bizcap.com.au | Pepper Asset Finance Pty Ltd | www.pepper.com.au | ||
| BOQ Credit Pty Limited | www.boq.com.au | Plenti RE Limited
|
www.plenti.com.au | ||
| BOQ Equipment Finance Limited | www.boq.com.au | Prospa Advance Pty Ltd | www.prospa.com.au
|
||
| Capital Finance Australia Limited | www.capitalfinance.com.au | Quest Finance Australia Pty Ltd | https://quest.finance | ||
| Earlypay Equipment Finance Pty Ltd
Earlypay Equipment Group Pty Ltd Earlypay Cashflow Finance Pty Ltd
|
www.earlypay.com.au | Resimac Asset Finance Pty Ltd | www.resimacassetfinance.com.au | ||
| Commonwealth Bank of Australia Ltd | www.commbank.com.au | RACV Finance Limited | www.racv.com.au
|
||
| Dynamoney Limited | www.dynamoney.com | Rapid Loans Pty Ltd | www.rapidloans.com.au
|
||
| Equity-One Mortgage Fund Ltd | www.equity-one.com | Scottish Pacific Business Finance Pty Ltd | www.scotpac.com | ||
| Firstmac Asset Funding Pty Ltd/Firstmac Limited | www.firstmac.com.au | Scottish Pacific (BFS) Pty Ltd trading as ScotPac | www.scotpac.com | ||
| Fin One Pty Ltd t/as Finance One/ Finance One Commercial Pty Ltd | www.financeone.com.au | Shift Financial Pty Limited t/as Shift Financial | www.shift.com.au
|
||
| flexicommercial Pty Ltd | www.flexicommercial.com/au | SocietyOne Australia Pty Ltd | www.societyone.com.au
|
||
| Gamma Duo Financial Services Pty Ltd | www.gammaduo.com.au
|
Selfco a division of Auswide Bank Ltd ABN 40 087 652 060
|
www.selfco.com.au | ||
| Judo Bank Pty Ltd | www.judo.bank
|
Vestone Capital Pty Limited | https://vestonecapital.com/ | ||
| Latitude Financial Services Limited | www.latitudefinancial.com.au | Volkswagen Financial Services Australia Pty Ltd | www.vwfs.com.au
|
||
| Liberty Financial Pty Ltd | www.liberty.com.au | Westlawn Finance Limited | www.westlawn.com.au | ||
| Metro Finance Pty Ltd | www.metrofin.com.au | Westpac Banking Corporation | www.westpac.com.au | ||
| Metro CF Pty Ltd | www.metrofin.com.au
|
WISR Finance Pty Ltd | www.wisr.com.au | ||
| MoneyMe Financial Group Pty Ltd | www.moneyme.com.au | ||||
| SCHEDULE 2 – CREDIT REPORTING BODIES (CRB) | |||||
| Name | Telephone | Website / Email Address | |||
| Experian | (03) 8622 1600 | www.experian.com.au | |||
| Illion | 13 23 33 | www.illion.com.au | |||
| Tasmanian Collection Service | (03) 6213 5555 | www.tascol.com.au | |||
| Equifax | 1300 921 621 | www.equifax.com.au | |||