NOW FINANCE is a trading name and registered trademark of Wingate Consumer Finance Pty Ltd ACN 158 703 612, Australian Credit Licence number 425142 as agent for Wingate Finco 2 Pty Ltd ACN 164 213 030. In this Policy, we may use the words NOW FINANCE, we, us and our interchangeably to refer to our business.
The term “Website” means the websites under the domain name nowfinance.com.au and includes any other websites operated by us where this Policy is accessible.
The term “you”, “your” and “user” refers to you as the user of the Website and / or as our customer. If you are our customer, additional information about our handling of your personal information may apply, for example under a privacy declaration or terms and conditions applicable to the product or service you obtain from us.
Our contact details are contained in section 7 below.
The purpose of this Privacy and Credit Reporting (“Policy”) is to tell you how we manage your personal information, including your credit information and credit eligibility information. This includes the following sections:
You may interact with us anonymously or by using a pseudonym if the interaction is general in nature. However, if the interaction is specific to an account or relates to your personal information we will need to identify you before we engage in further discussions and correspondence.
We may update our Policy from time to time, the updated version will be published on our Website. If you have bookmarked this policy (or the Website) you will need to ensure that the bookmarked version has been updated so that you are aware of the most recent version of this Policy.
The various type of personal information we collect and hold may vary depending on the nature of our interactions with you.
For example, if you have made an application for credit with us, we will need to collect and hold you:
Sometimes we may collect information that is considered non-personal. This is dealt with in Section 5 below.
Some of the personal information we collect from you is collected to meet our obligations under the National Consumer Credit Protection Act 2009 (Cth) and the Anti Money Laundering and Counter Terrorism Financing Act 2006 (Cth).
In order to satisfy our legal obligations, we may need to retain your information after a transaction or a relationship has ended. However, we will not retain your identifiable personal information longer than is reasonably necessary and permitted under Australian law.
We will only collect sensitive information (e.g. information about your ethnicity, health or biometric information) with your consent or when permissible under Australian law.
Where reasonable and practicable to do so, we will generally collect your personal information directly from you – this may be over the telephone, by email, over the internet, by email or fax, in person or by completion of a form (such as an application form).
Otherwise, generally speaking, we collect information from employers, other financiers, contractors, suppliers, brokers, introducers, agents, service providers, public sources and others where necessary. For example, we may collect information about you from:
Some of the other sources may include:
We understand the importance of protecting the personal information we hold about you. We take steps to ensure your personal information is free from misuse, interference, loss, unauthorised access or modification by:
If you are considering sending us any persona information through the Website or other electronic means, please be aware that the information may be insecure in transit, particularly where no encryption is used (eg email, standard HTTP).
The reason we may wish to collect, hold, use and disclose your personal information is so that we can manage and administer the products we provide and to run our business efficiently. You may be an applicant, a current, previous or prospective customer, contractor, job applicant, supplier, partner or party with whom we do or have done business or may do business with in the future.
As a financial services provider, a major purpose for which we collect, hold, use or disclose personal information is to assess applications for credit, manage credit (servicing and collections activity), deal with hardship applications and to analyse the risk profiles of our customers or potential customers.
Other purposes for which we may collect, hold, use or disclose your personal information include:
Personal Information may also be used or disclosed to advise you of products and services that may be of interest to you by means of direct marketing.
If you do not want your personal information to be used for direct marketing purposes, please contact us so that we can action this request. This is referred to as “opting out” of direct marketing. You can “opt-out” of direct marketing by contacting us on the details in section 7 below.
From time to time and depending on the circumstances, we may share your personal information to our related entities, other businesses who provide services to us and other third parties including:
We require these recipient businesses and suppliers to comply with strict confidentiality requirements and the Privacy Act.
We use overseas service providers for some of our activities and therefore need to disclose personal information to those service providers. Currently, these service providers are located in India, Singapore and the United States of America.
Where you have applied for or obtained credit from us, this section will apply in addition to the other sections within this Policy. What this means is that as part of seeking credit from us, we may obtain credit-related information about you from credit reporting bodies.
Credit-related information in this Policy includes:
We collect, hold, use and disclose credit information and credit eligibility information about you for purposes reasonably necessary for our business activities and consistently with the requirements in the Privacy Act as permitted by law.
If you apply for credit with us, we may ask for identification information. This could include your name, address, date of birth and drivers’ license number.
We may also collect information about your financial position for the purpose of assessing an application for credit and to assist in the ongoing management of that credit product. This could include:
Other examples of your credit information and credit eligibility information we may collect, hold, use and disclose include:
The purposes include but aren’t limited to:
Restrictions apply under the Privacy Act in relation to the circumstances and purposes for which such information may be used or disclosed and we comply with these restrictions. For example, in general, credit eligibility information may not be disclosed unless the recipient is a credit provider and restrictions apply on the use of credit eligibility information for direct marketing
We may also disclose your credit information relating to your dealings with us, including any repayment history and defaults, to credit reporting bodies (see section 4.2 below). Those credit reporting bodies may include that information in their own records on individuals and also in reports that they share with other credit providers to assist them to assess your credit worthiness.
We access and disclose credit information to the following credit reporting bodies:
You can contact these credit reporting bodies or visit their websites to see their policies on the management of your credit related personal information, including details of how to access your credit related personal information they hold.
You have the right to request these credit reporting bodies to exclude your credit related personal information to determine your eligibility to receive direct marketing from credit providers including us.
You also have the right to request credit reporting bodies not to use or disclose your your credit related personal information if you believe that you have been, or are likely to be, the victim of fraud (for example, you suspect someone is using your identity details to apply for credit).
5. Security, Websites and Cookies (non personal information)
We collect non personal information about users of the Website, including information on which areas of the Website are most often accessed and how long visitors visit those areas, as well as other information such as browser types and operating systems to help us manage and improve the Website.
We store information that we collect through cookies, log files and / or third party site traffic software to create profiles of users generally.
A cookie does not identify the user personally but it does identify their computer. Users can set their browser to notify them when they receive a cookie and this will provide them with an opportunity to accept or reject it in each instance. Rejecting cookies may have the effect of limiting access to parts of the Website.
Cookies used may be “session cookies”, which terminate once a user closes their browser. We also may use “persistent cookies” which is a small piece of text stored on a user’s computer for a defined period of time, after which the cookie is erased.
Like most standard website services, we use log files. This includes internal protocol (IP) addresses, browser types, internet service provider (ISP), referring / exit pages, platform type, date/time stamp, and number of clicks to analyse trends, administer the Website, track users movement in the aggregate and gather broad demographic information for aggregate use. IP address etc are not linked to personal information.
The services we may use from time to time include Google Analytics, Google AdSense, DoubleClick, Yahoo, Adobe and Microsoft. You can find more details in the privacy policies for those services, including information on how to opt-out of certain conduct.
You are entitled to access the information we hold about you. To make a request to access your personal information we hold, please contact us on the details in section 7 below. We may need to verify your identity so we will need as much detail as you can give us about yourself and the particular information you seek so that we may locate it efficiently.
We will usually provide the information requested within 30 days of receiving your request. If there is a reason to deny your request for access we will advise you of this in writing. Some examples of why we may refuse a request for access include where the information:
There is no charge to request access to your personal information, however, we may apply an administration fee for providing access in accordance with your request.
We aim to hold accurate and up-to-date personal information about you at all times. If you consider that any such information we hold about you is incorrect in any way, you may seek the correction of that information. To seek such a correction please contact us on the details in section 7 below.
In certain situations, we may not agree to a request to correct information we hold about you. If this occurs, we will advise you of this and our reason for not agreeing to the correction request in writing. In response, you may ask us to make a note of your requested correction with the information we hold.
If you have any questions, concerns or feedback about privacy, please contact us at:
PO Box 24313, Melbourne VIC 3000
Level 6, 468 St Kilda Road, Melbourne VIC 3000
1300 275 669
We take your privacy concerns seriously.
Where you express any concerns that we have mishandled your personal information, failed to comply with the Privacy Act (including credit reporting requirements in Part IIIA) or the Credit Reporting Privacy Code, or interfered with your privacy, please contact us on the details above.
We will respond to let you know who will be handling your matter and when you can expect a further response. We aim to resolve your concerns in a fair and efficient manner.
If you are unsatisfied with our response, or if your complaint remains unresolved, you may refer it to our external dispute resolution scheme, the Australian Financial Complaints Authority (AFCA), which provides a free independent industry dispute resolution service. AFCA’s contact details are:
Australian Financial Complaints Authority
GPO Box 3
Melbourne Victoria Australia 3001
Phone: 1800 931 678
Alternatively, you may refer the matter to the Office of the Australian Information Commissioner (the “OAIC”).
The contact details for the OAIC are:
The Office of the Australian Information Commissioner
GPO Box 2999
Canberra ACT 2601
Phone: 1300 363 992
Fax: 02 9284 9666
Last Revised: 5 April 2019