Introduction
This is the privacy policy of Astute Motor Finance ABN 48 136 986 457 Australian Credit Licence 385465 (“we “ us” and “our” in this policy).
We also have a policy on management of credit reporting information which is available here.

Our contact details are as follows:
Address: 1/248 Musgrave Street, North Rockhampton QLD 4701
Phone: 1300 326 618
Fax: (07) 49269780
Email: privacy@astutemotorfinance.com.au

Protecting your privacy
We seek to to protect and maintain the privacy, accuracy and security of your personal information. We will comply with the Australian Privacy Principles (“APPs”) in the Privacy Act (Cth) 1988 (“Privacy Act”), the Privacy Act, and, when applicable, the Credit Reporting Privacy Code (“CR Code”).
Words defined in the Privacy Act, the APPs and the CR Code have the same meaning when used in this policy.

Personal information that we collect and hold
We may collect personal information about you such as:

• your name, current address details, previous address details, and landlord or mortgage details including address and phone number;
• date of birth, gender, and marital status;
• government identifiers such as driver licence number and passport details;
• email address and telephone/mobile numbers;
• financial information (including credit history), bank account and/or credit card details, and personal references;
• current and previous place of employment, position within the current and previous place of employment, employer’s address and contact details, previous employer details, and business details (if you are applying as a business); and
• sensitive information about you in relation to insurance products or if you are seeking assistance with financial hardship.

• to enable us to develop, administer and manage our services and businesses;
• to customise services to better meet your needs and preferences;
• to assess your application and manage your account with us;
• to compile a customer profile about you to serve you better;
• to engage a credit reporting body to conduct a credit and reference check;
• to assess your creditworthiness;
• for billing purposes and collection of debts;
• statistical purposes;
• future promotional and marketing purposes including direct marketing purposes;
• for research purposes to better improve our websites, products or services;
• any other customer support purposes;
• to notify credit providers of a default by you of your agreement with us;
• to advise credit providers of the status of your agreement with us, in circumstances where you are in default with credit providers;
• to deal with complaints;
• to enforce our rights when you are in breach; and
• when authorised or required by law. These laws include:

• related companies of ours;
• distributors and introducers of our products and services;
• credit reporting bodies;
• other credit providers and insurers;
• service providers including mailhouses, printers, call centres, marketing companies, and technology providers;
• government bodies;
• persons who act as your guarantor or who provide security for credit to you;
• debt collectors and assignees of your debts;
• a recognised external dispute resolution scheme of which we are a member; and
• our professional advisors, including our lawyers, auditors and accountants.

• to meet the purpose for which it was submitted;
• if we have your consent to do so or otherwise when we are authorised by law;
• if we are required by law to disclose the information. If we provide information about your credit application to a credit reporting body,  this may affect decisions by other credit providers as to whether they provide credit to you and on what terms.

• make sure that the personal information we collect, use or disclose is accurate, complete and up to date;
• protect the information from misuse, interference, loss or unauthorised access, modification or disclosure both physically and through computer security methods; and
• destroy or permanently de-identify the information if it is no longer needed for any purpose.