Privacy Disclosure Statement and Consent

Entity Details:

References to "we," "our," or "us" in this Privacy Disclosure Statement and Consent refer to Vibrant Finance Pty Ltd ATF Vibrant Finance Trust (ABN: 96 220 202 093) and its related entities.

1. Overview

We collect information about you for the purposes set out in this Privacy Disclosure Statement and Consent. By engaging our services and submitting your information, you agree that, consistent with Australia's privacy and credit reporting laws, we can collect, use, and exchange credit and personal information about you for these purposes.

2. Personal & Credit Information Explained

Personal Information

Personal information is information about you that identifies you or from which your identity is reasonably apparent. This includes, but is not limited to:

Full name
Date of birth
Contact details (mobile phone number, email address)
Address history
Employment information

Credit Information

Credit information specifically relates to your finances and credit history used to determine your eligibility for finance. This includes, but is not limited to:

Current or past loans, credit facilities, or credit cards
Directorships or involvement with current or previous companies
Credit reports sourced from a Credit Reporting Body (CRB) to assist with credit assessments

3. Information Collection & CRB Disclosures

When collecting information during the credit application process, we use it to assess your circumstances and recommend suitable credit providers, lessors, insurers, vehicle sourcing agents, or salary packaging providers.

We may disclose your credit and personal information to:

Credit Reporting Bodies (CRBs) to obtain credit reports for preliminary consumer credit or guarantor assessments.
Insurers to obtain quotes and process insurance applications.
Credit Providers to apply for credit on your behalf.
Salary Packaging Providers for specialized salary packaging options.
Vehicle Sourcing Agents for vehicle procurement services.
Referral Partners under existing credit referral agreements.

Third-Party Information Collection

We may collect information from relevant third parties as reasonably necessary to secure finance on your behalf, including:

Current or previous credit providers
Accountants or bookkeepers
Employers
Landlords or property agents

4. Relationship with Credit Providers

When managing your credit application process, we act as agents for the relevant credit provider(s), governed by the same Australian privacy law requirements.

Credit providers to whom your application is submitted may collect and disclose information about you via one or more CRBs. Credit provider policies (referred to as 'Notifiable Matters', 'Privacy Policy', or 'Credit Reporting Policy') outline:

Information shared with CRBs to assess creditworthiness.
Reporting of overdue consumer credit payments or serious credit infringements.
How to access, correct, or raise complaints regarding credit information.
Rights to opt out of pre-screening for direct marketing or request fraud protection holds.

5. Your Privacy Rights

You have the right to request that we, credit providers, or CRBs:

Provide access to all personal and credit information held about you.
Correct any information that is incorrect or out of date.
Provide copies of our Privacy Policy in a preferred format (e.g., email or hard copy).
Refrain from using your details for direct marketing pre-screening.
Hold or restrict disclosures of credit information if you suspect you are a victim of fraud.

(Note: An administrative fee may apply in certain cases to cover information retrieval costs).

6. Disclosure and Consent Terms

By consenting to this policy, you agree that we and our panel of Credit Providers may:

Request credit reporting information from a CRB regarding your consumer and commercial creditworthiness.
Use personal and credit details to assess credit applications, guarantor suitability, or company directorship applications.
Verify your identity electronically via document issuers or official records in accordance with the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 and the National Consumer Credit Protection Act 2009.
Use electronic communications (under the Electronic Transactions Act 1999) to send documents and notices, acknowledging paper copies may no longer be provided.
Disclose information to service providers (lawyers, IT consultants, mailing houses, auditors, system administrators).
Disclose details to entities acquiring an interest in our business or contracts.
Record phone calls for quality assurance unless requested otherwise.