Authorised Credit Representative

DeMarque Finance is an authorised Credit Representative (No. 522568) under Australian Credit Licence No. 384704, held by Finsure Finance & Insurance Pty Ltd. Finsure is the regulated licence holder responsible for our compliance with the National Consumer Credit Protection Act 2009 and related credit law.

Finsure is ultimately owned by MA Financial Group Limited (ACN 142 008 428). Where a commercial finance enquiry results in introduction to a loan from MA Financial Group Limited or any of its subsidiaries, we will specifically disclose that ownership relationship to you at the time so the connection is clear.

CAFBA Full Member Brokerage

DeMarque Group Pty Ltd (trading as DeMarque Finance) is a Full Member (Member No. 296914) of the Commercial & Asset Finance Brokers Association of Australia (CAFBA) — the peak industry body for commercial and asset finance brokers in Australia.

• Bound by CAFBA's Code of Professional Practice covering conduct, disclosure and client interests
• Subject to continuing professional development obligations
• Accountable to CAFBA's member discipline framework
• Held to industry-recognised standards for commercial finance advice and structuring

CAFBA membership is not automatic. Brokers must meet entry criteria and maintain ongoing professional obligations to retain full membership status.

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 and Correction

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
• We may require you to verify your identity before actioning the request

Start with us

If you believe something has gone wrong with the way we have handled your information, assessed your application or delivered our commercial finance services, please contact us first so we can work to resolve it.

• Email: team@demarquefinance.com.au
• Phone: 1300 108 751
• Acknowledgement promptly; most complaints resolved within five business days
• If longer than 30 days, we write to you explaining why and the next steps

AFCA — Australian Financial Complaints Authority

If you are not satisfied with our response, or you have not heard from us within 30 days, you can refer the matter to AFCA at no cost to you. AFCA is an ASIC-approved External Dispute Resolution scheme providing independent, free resolution of financial services complaints.

• Website: www.afca.org.au
• Phone: 1800 931 678
• Email: info@afca.org.au
• Mail: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001

For privacy-specific complaints that we have not resolved to your satisfaction, you may also contact the Office of the Australian Information Commissioner on 1300 363 992 or at www.oaic.gov.au. Time limits may apply to AFCA complaints.