Information Categories

• Personal Information includes information or opinions about an identified individual or an individual who is reasonably identifiable
• Credit Information may include identification details, credit liabilities, repayment history, defaults, court proceedings, insolvency information and related creditworthiness information
• Sensitive Information is generally not collected unless required by law, permitted by law or collected with specific consent

Individuals Connected to an Enquiry

This policy applies not only to applicants, but also to other persons connected to a finance enquiry or application, including directors, guarantors, trustees, beneficiaries, partners and other relevant parties where their information is provided to us.

If you provide information about another person, you confirm that you are authorised to do so and that they have been informed that their information may be handled in accordance with this policy.

How We Collect and Use Information

We may collect information directly from you, through brokers, dealers, credit reporting bodies, employers, business or trading partners, other financiers and other parties involved in assessing your enquiry.

• Assessing and processing commercial finance enquiries and applications
• Administering finance offerings and related services
• Complying with legal obligations, including AML/CTF requirements
• Credit scoring, research, planning, securitisation, portfolio analysis and risk management
• Marketing, newsletters and related financial product and service communications

Who We May Share Information With

We may disclose personal information and credit information to related bodies corporate, brokers, credit reporting bodies, agents, advisers, contractors, corporate funders, prospective business purchasers, introducers, advisers, personal representatives and dispute resolution schemes.

Information may also be shared with parties involved in verifying information, administering applications, managing credit, collecting overdue amounts, preventing fraud, or considering guarantees.

When Information May Be Sent Offshore

Some products and services may be supported by contractors or third-party organisations located outside Australia, including in Europe, Asia and North America.

• Overseas disclosure may occur to support the effective operation of products and services
• Where practical, reasonable steps are taken to ensure overseas recipients protect privacy appropriately
• Information sent offshore may not have the same legal protections as under Australian privacy law
• You may not be able to seek redress for a privacy breach occurring outside Australia

How We May Contact You

Unless you ask us not to, we may use your information to tell you about products and services that may be relevant to you.

• Telephone contact
• Email and commercial electronic messages
• Ongoing communications until consent is withdrawn or you unsubscribe

You can opt out of these communications at any time by contacting us or using any unsubscribe facility provided.

Credit Reporting Bodies and Credit Providers

To verify identity and assess finance applications, we may exchange personal information and credit information with credit reporting bodies and credit providers.

• Assessing applications for finance products
• Considering whether to accept a guarantee
• Collecting overdue payments and managing credit
• Helping avert default and responding to fraud or serious credit infringement

Credit reporting bodies used may include Equifax and Illion.

Access, Correction and Complaints

You may request access to personal information or credit information we hold about you, and ask us to correct information that is inaccurate or incomplete.

• Email our privacy team at team@demarquefinance.com.au
• We may advise if a fee applies to certain requests
• If you believe your information has been mishandled, contact us first so we can try to resolve the concern promptly
• If unresolved, you may complain to the Office of the Australian Information Commissioner on 1300 363 992