This statement includes:
Who we are:
Novated Lease Australia Pty Ltd (‘NLA’)
ACN 659 639 004
Address: Suite 2, Level 3, 201 Miller St, North Sydney 2060
Our contact details:
Email: support@novatedleaseaustralia.com.au
Website: www.novatedleaseaustralia.com.au
We (and the credit provider listed in the Schedule that we submit your application to) are collecting credit eligibility information, credit information and personal information (together, “information”) about you, as applicable:
We (and the credit provider listed in the Schedule that we submit your application to) 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 (and the credit provider listed in the Schedule that we submit your application to) may be unable to process your application, or the company's application, or we (and the credit provider listed in the Schedule that we submit your application to) may be limited in the other services we can offer you or the company.
While we usually collect your personal information from you, there may be some situations where we (and the credit provider listed in the Schedule that we submit your application to) may collect personal information about you from someone other than you, and you may not be aware of the collection. This will usually be where it is not reasonable or practicable for us to collect it from you, and it is available from:
We (and the credit provider listed in the Schedule that we submit your application to) may be required to collect personal information where required by law
The uses and disclosures we may make of personal information are detailed in our Privacy Policy.
If we (and the credit provider listed in the Schedule that we submit your application to) cannot collect the information we need about you, we (and the credit provider listed in the Schedule that we submit your application to) may not be able to supply the service we and they offer.
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:
The information we obtain from you is used, subject to compliance with Australia's privacy and credit reporting laws, 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.
As part of providing our services to you, we may undertake tasks for a credit provider which are reasonably necessary to manage the application process. When doing so, we are acting as an 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 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, one or more CRBs. The credit provider that we submit your application to may collect, use and disclose information about you for the same purposes as set out above under the heading ‘Why we collect and hold personal information’. The website of each credit provider contains more details of how they collect, disclose and use your information, your key rights, and each CRB they deal with. This detail may be described on the credit providers’ websites as ‘notifiable matters’, ‘privacy policy’, ‘credit reporting policy’ or ‘privacy disclosure statement and consent’, and includes:
This detail will also be included by the credit provider in the privacy disclosure statement and consent document it will provide to you.
Depending on the credit provider that we submit your application to, the credit provider may:
Each credit provider’s 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. hard copy or email).
We, or a credit provider, may disclose your information to entities outside of Australia. Further details regarding any likely overseas disclosure by a credit provider can be found in the privacy policy or credit reporting policy of that credit provider, which is available on their website and listed in the Schedule at the end of this document.
Our privacy policy contains information about how you can access and seek correction of the personal information about you that we hold.
Where we disclose information to a credit provider listed in the Schedule at the end of this document, the website of that credit provider will contain details of their privacy policy and their credit reporting policy, including details of how you can access and correct any information about you which they hold.
Our privacy policy explains how you can complain about a breach of the Australian Privacy Principles, and how we will deal with such a complaint.
Where we disclose information to a credit provider listed in the Schedule at the end of this document, the website of that credit provider will contain details of their privacy policy and their credit reporting policy, including details of how you can complain about their handling of any information about you which they hold and how they will deal with such a complaint.
By agreeing to this Privacy Disclosure Statement and Consent, you agree we (or the Credit Providers listed in the Schedule) may:
You also agree and consent to, as appropriate:
Your information being referred to one or more credit providers specified in the Schedule of Credit Providers below to assist with your application in the event we are unable to assist and to us and that Credit Provider each disclosing to the other any information about you in connection with the progress and outcome of that application and to administer your novated lease or other services;
A CRB disclosing consumer credit information to one or more credit providers specified in the Schedule of Credit Providers 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 uses 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; A credit provider disclosing to another credit provider, for a particular purpose, information it holds about you;
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; and
A Credit Provider specified in the Schedule collecting, using and disclosing your personal information, credit information and credit eligibility information in accordance with their privacy policy, credit reporting policy and statement of notifiable matters, which can be found on their website listed in the Schedule below.
Where you have provided information about another individual, you also declare that the individual has been made aware of the facts and relevant contents of this entire statement.
By agreeing to our privacy policy you are agreeing that that all verbal communications will be recorded for quality and training purposes. If you wish to not be recorded please notify us when you speak to one of our consultants.
(This list is subject to change without notice)
Credit Provider: Pepper Money Limited
Website: www.pepper.com.au
Credit Provider: Metro Finance Pty Ltd
Website: www.metrofin.com.au
Email: novated@metrofin.com.au
Telephone: 1300 362 627
Credit Provider: Angle Auto Finance Pty Ltd
Website: www.angleauto.com.au
Email: customerexperience@angleauto.com.au
Telephone: 1300 561 868
Credit Provider: Maple Commercial Finance Pty Ltd
Website: www.maplecommercial.com.au
Email: service@maplecommercial.com.au
Telephone: 1800 862 153
Credit Provider: Macquarie Leasing Pty Ltd
Website: https://www.macquarie.com.au/
Credit Provider: Capital Finance Australia Limited (CFAL)
Website: www.capitalfinance.com.au
This refers to information or an opinion about a living person who is identified or reasonably identifiable, whether or not true and whether or not recorded in material form, for the purposes of the Privacy Act 1988 (Cth) (Privacy Act).
Broadly, we may collect and hold:
In any case, we only collect personal information that is reasonably necessary to support our functions and activities. If we cannot collect the information we need about you we may not be able to supply the service you want.
Unless it is not reasonable or practicable to do so, and in other cases allowed by law, we will collect personal information about you directly from you (e.g. when you contact us by phone or online).
In other cases, we may collect personal information about you from:
We hold personal information in hard and/or soft copy at our offices and in other facilities that we own or licence from third parties, like data centres. We take reasonable steps to keep it secure and to protect it from unauthorised access, use or alteration.
We collect and hold personal information because:
We may use personal information:
We may disclose personal information as reasonably required:
To contractors, partners (including lenders and brokers) and suppliers who supply or support us in:
market research, sales and marketing
direct marketing – see Direct marketing for details
identity and fraud checking
credit agencies
credit management
helpdesk and enquiries
support and complaint management
communications and mailing
billing, debt recovery and credit management
corporate strategy
legal and regulatory advice and compliance
accounting and financial planning
risk management
otherwise providing goods and services that we use to operate our business and provide products and support to you
to your authorised representative/s
if you ask us to do so
to members of our corporate group
to our business partners and wholesale suppliers
to organisations that provide credit or finance
to persons who invest in or acquire all or part of our business or company, or are considering doing so.
Where we are unable to provide you with our services, we may disclose your personal information to other novated lease providers who may be able to provide you with similar services. However, we will only do so with your permission. We may receive a referral fee from these other providers in this situation. We do not provide any recommendation or advice as to which (if any) other novated lease provider may provide services suitable for you, and we have no role or responsibility in respect of the conduct or performance of any other novated lease provider.
We do not disclose your personal information overseas.
We may use and disclose personal information to directly market products offered by us, our agents, dealers and members of our corporate group, and our business partners, where we think the offers will be of interest to you, using:
Direct marketing may continue until you opt out by calling the number in Contacting us or by following the instructions to ‘unsubscribe’ in any email or electronic message, even if you are no longer our customer.
Please contact us for these purposes using the details in Contacting us below. We shall process and respond to your request in accordance with Australian Privacy Principle 12. There is no charge for making a request but a reasonable administrative charge, on a cost recovery basis, may be payable before we agree to provide access.
You have the right to ask:
You can gain access to the information we hold about you by contacting our Privacy Officer at the address above or by telephone at 1300 665 112 or by email at support@novatedleaseaustralia.com.au. In some cases, an administration fee may be charged to cover the cost of providing the information.
If you wish to complain about a breach of the Australian Privacy Principles, please contact us using the details in Contacting us below. We shall:
If we cannot resolve your complaint or you are unhappy with the outcome you may be able to make a complaint to:
Questions, requests and complaints regarding our Privacy Statement or our compliance with privacy laws should be directed to us by email to support@novatedleaseaustralia.com.au.