Velocity Vehicle Group Australia Pty Ltd and all its subsidiaries(“we”/ ”us”/ ”our”) endeavour at all times to comply with the Privacy Act 1988 and the Australian Privacy Principles and the Credit Reporting Code which together are referred to in this policy as “Australian Privacy Law.”
This policy applies to anyone who accesses any website of ours. It also applies to anyone who deals with us or from or about whom we collect personal information (whether as a prospective or an actual customer, guarantor, contractor, supplier, service provider, employee or in any other capacity whatsoever) including anyone who applies for or receives consumer or commercial credit from us or through us from an external credit provider.
We may collect personal information, sensitive information, consumer credit information and/or commercial credit information in respect of any person to whom this policy applies (“you”).
We will give you a hardcopy of this policy on request – refer to the heading “Our Contact Details”.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, may not deal further with you without obtaining your real name and other verifiable pieces of personal information.
Neither we nor any external credit provider is permitted by law to provide you with credit without obtaining proof of your identity.
By visiting our website or otherwise dealing with us, you agree to this policy and you also agree to the collection of your information by the website or otherwise and also to our collection, holding, use and disclosure of your information in accordance with this policy.
We may collect and store personal information about you, including your:
We may also collect and store information about your visits to our website, including:
Our websites may use cookies to collect and store information. If you do not wish to have cookies placed on your computer, you can set your browser preferences to reject cookies.
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.
If you apply for commercial or consumer credit we will also collect and store information, as referred to under the headings “Commercial Credit Information” and “Consumer Credit Information”.
If you apply on the grounds of hardship to vary payment arrangements for credit granted, we may also collect and store information, as referred to under the heading “Hardship Information”.
If you apply for employment we may also collect and store information, as referred to under the heading “Employment Information”, including your:If you apply to join a loyalty program, we may also collect and store information, as referred to under the heading “Loyalty Programs”.
We may collect the information in person, over the telephone or internet, by mail, fax, email or camera, through social media or biometric reader, by other electronic means or by completion of an application or consent form, whether on-line or otherwise. We may also purchase it from third parties if lawful to do so.
We may collect the information from your visit to our website through the use of technologies such as anonymous identifiers, session variables and cookies. If you set your internet web browser to block or limit cookies, some features of our website may not work as efficiently or at all.
If we send you direct marketing material we will provide you with a means to opt out of receiving further material.
You may opt out of receiving direct marketing material from one or more of us only by contacting us as referred to under the heading “Our Contact Details” or by any other means referred to in the direct marketing material.
If you wish to raise concerns about direct marketing material you receive from us or through use by others of our databases, please contact us as referred to under the heading “Our Contact Details”.
Your personal information may be transmitted to overseas recipients as part of our ordinary business or normal use of our information technology systems. Although it is not practicable to list all the countries in which these recipients are located, they are likely to be in the USA, the UK, New Zealand, Japan, India, Germany, Canada, Singapore, the Philippines, the Czech Republic, Hong Kong, Spain, South Korea, Sweden, Malaysia or China (“Recipient Countries”).
We may also supply some of your personal information and (if you apply to a loyalty program offered by an external organisation) sensitive information to overseas recipient. It is not practicable to list all the countries in which these recipients are located but they are most likely to be in the Recipient Countries.
When we supply your information to any overseas recipients, we shall do so only for purposes listed in this policy and in accordance with Australian Privacy Law, as applicable. However, an overseas recipient may not be required to protect your information in a way that, overall, provides comparable safeguards to those in the Australian Privacy Law.
“Commercial credit” is credit to finance the purchase of goods or services from us or another party which are for business use and not for personal, domestic or household purposes.
We will collect, hold, use and disclose commercial credit information from or about you if you:
The commercial credit information about you which we may hold, use, collect and disclose includes:
We may collect, hold, use and disclose your personal and commercial credit information to:
We will only disclose the commercial credit information to external credit providers with your consent or if you have made or intend to make application to them for credit or if we are permitted to do so by law. We refer you to the privacy policies of these external credit providers.
In order to obtain credit information about you from credit reporting bodies we may disclose to them commercial credit information about you. Those credit reporting bodies may then include that commercial credit information about you in reports they provide to other credit providers.
The credit reporting bodies to which we may disclose your credit information include: Equifax Pty Ltd
GPO Box 964
NORTH SYDNEY NSW AUS 2059
Website: www.equifax.com.au
We refer you to the privacy policies of these credit reporting bodies.
We shall not disclose your commercial credit information to any other party for the purpose of direct marketing without your consent unless permitted by law. We may disclose other personal information for that purpose as described above.
“Consumer credit” is credit to finance the purchase of goods or services from us or another party which will be used wholly or predominantly for personal, domestic or household purposes.
We may collect, use, hold and disclose consumer credit information from or about you if you:
The consumer credit information about you which we may collect, hold, use and disclose includes:
We may collect, hold, use and disclose your personal and consumer credit information to:
We will only disclose the consumer credit information to external credit providers with your consent or if you have made or intend to make application to them for credit or if we are permitted to do so by law. We refer you to the privacy policies of these external credit providers.
In order to obtain credit information about you from credit reporting bodies we may disclose to them consumer credit information about you. Those credit reporting bodies may then include that consumer credit information about you in reports they provide to other credit providers.
The credit reporting bodies to which we may disclose your credit information and their contact details are included above under the heading “Commercial Credit Information”. We refer you to their privacy policies
We shall not disclose your consumer credit information to any other party for the purpose of direct marketing without your consent unless permitted by law. We may disclose other personal information for that purpose as described above.
“Hardship information” is information supplied by you or otherwise collected by us to facilitate consideration of a variation to the terms of repayment of commercial or consumer credit granted to you on the grounds of hardship.
We may collect hardship information if you:
In the course of you applying for a variation in repayment terms on the grounds of hardship, or us otherwise considering such a variation, we may collect from you or from other sources information about illness, unemployment or other reasonable causes of hardship. This will, most likely, be “sensitive information” under Australian Privacy Law.
We will only collect sensitive information that is relevant to consideration of a variation in your repayment terms on the grounds of hardship. Such information may include:
We will only collect, use, hold and disclose the sensitive information included in your hardship information for the following purposes:
We shall not disclose the sensitive information to any party except for the purposes described above or as permitted by Australian Privacy Law.
In particular, we shall not disclose the sensitive information to any credit reporting body or any other credit provider except as described above or as permitted by the Australian Privacy Law, and without limitation we may disclose your repayment history or default information as notified above.
If you have contacted our Privacy Officer (see below for contact details under the heading “Our Contact Details”) and are not satisfied with our Privacy Internal Dispute Resolution Process, you may also refer the matter to: The Office of the Australian Information Commissioner
GPO Box 2999 CANBERRA ACT AUS 2601 Tel: 1300 363 992
Fax: 02 9284 9666
Website: www.oaic.gov.au
If you have provided personal information to us for the purpose of applying for consumer credit and you have contacted our Privacy Officer (see below for contact details under the heading “Our Contact Details”) and are not satisfied with our Privacy Internal Dispute Resolution Process, you may also refer the matter to: Australian Financial Complaints Authority GPO BOX 3
MELBOURNE VIC 3001 AUS Tel: 1800 931 678
Fax: 03 9613 6399
Website: www.afca.org.au
We may collect personal and sensitive information from you in relation to your application for employment with us. We will collect, hold and use that information solely for the purposes of assessing your application.
We will not, without your consent, disclose such information to any external person. We will destroy our record of your application within six (6) months of any unsuccessful employment application unless you approve otherwise. If you are successful, your information will become part of your employment record with us.
If you apply to join a loyalty program offered by us or through us by a manufacturer or distributor of goods or services supplied by us or by any other organisation, we may also collect the following kinds of information:
This information will be collected, held, used by us and may be disclosed to the organisation providing the loyalty program and some of this information may be provided to our agents or their agents for the following purposes:
Any request for access to your personal, sensitive or credit information held by us must be sent by email or post to our contact details referred to below under the heading “Our Contact Details”.
If we are unable to grant your access, we will give you our reasons in writing within a reasonable time. These may include where providing the information to you may:
There is no charge to make a request for access to your information but we may apply an administration fee for providing access.
We cannot give you access to credit information held about you by an external party whether that body obtained the information from us or not. We refer you to the privacy policy of that body.
If you believe any personal information we hold about you is incorrect, please contact us to the contact details referred to below under the heading “Our Contact Details” and tell us what information is, in your belief, incorrect and how you want it changed.
We will deal with your request according to Australian Privacy Law, as applicable. If we receive a request for access or correction, we will provide our response and/or complete any reasonable action within the timeframe required by law.
If we have supplied credit information which we have agreed to correct to a credit reporting body, we will notify that body within the timeframe required by law.
If you have any complaint about how we deal with your personal information, please contact our Privacy Officer at the contact details referred to below. Our Privacy Officer will follow our Privacy Internal Dispute Resolution Process.
All communications you send to us must be sent by email or post to the following address AND marked to the attention of “The Privacy Officer”:
We may make changes to this Privacy Policy from time to time for various reasons including:
We will notify such changes by including the updated policy on our website. Where the changes may affect you in a particular way, and you have a contract with us, we will notify you if required by the contract or Australian Privacy Law.