PRIVACY DISCLOSURE STATEMENT & E-MAIL COMMUNICATION CONSENT

 

OVERVIEW

This Privacy Disclosure Statement & E-mail Communication Consent is relevant to:

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Matia Consulting Pty Ltd t/as MATIAS GROUP

ACN 154 809 560 of 2/14 Spink Street, Brighton VIC 3186

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Representative of:

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COG Aggregation Pty Ltd. Australian Credit Licence no. 389527 ABN 99

124 319 857. Address: 1 Elgin Place, HAWTHORN VIC 3122

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(‘we’, ‘us’, ‘our’).

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We collect information about you for the purposes you agree to in this Privacy Disclosure Statement and E-mail Communication Consent.

When you sign below, you agree we can, consistent with Australia’s privacy and credit reporting laws, collect, use and exchange credit and personal information about you for those purposes.

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PRIVACY DISCLOSURE STATEMENT AND E-MAIL COMMUNICATION CONSENT

We are collecting credit and personal information (information) about

you, as applicable:

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• To source for you, or a company of which you are a director:

        Consumer credit for personal, household, domestic or residential investment purposes;

        Commercial credit for business purposes; or

        Other services stated in this Privacy Disclosure

        Statement and E-mail Communication Consent (Consent); or

 

• To support a guarantor application you will provide.

       As your broker, we 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 may be unable to process your application, or the

       company’s application, or we may be limited in the other services we

       can offer you or the company.

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YOUR INFORMATION — COLLECTION AND CREDIT REPORTING

BODY (CRB)

(‘CRB’) DISCLOSURES

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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.

 

• Disclose your personal information to an insurer or insurers to

source any insurances you wish to obtain;

• Disclose your credit information to a credit provider or credit

providers to apply for finance on your behalf; and

• Disclosure your personal information to an aggregator to

enable submission of your credit application to the credit

provider.

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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.

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CREDIT PROVIDERS

As part of providing our services to you, we may undertake tasks for a credit provider which is reasonably necessary to manage the application process. When doing so, we are acting as 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 1 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, from one or more CRBs. Credit providers may also engage directly with a credit reporting body to make a credit enquiry and you can ascertain the details on this and how they handle personal and credit information via their websites which are listed in our Schedule 1 – Credit Providers. The website of each credit provider contains details of each CRB with which it deals and other detail about information held about you, including whether that information may be held or disclosed overseas and, if so, in which countries. The websites also describe your key rights. This detail may be described on the credit providers’ websites as ‘notifiable matters’, ‘privacy policy’, ‘credit reporting policy’ or ‘privacy disclosure statement and consent’, or similar. For each CRB the website details will include the following specific information:

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 That the CRB may include information the credit provider

discloses about you to other credit providers to assess your

credit worthiness;

 our right to access and/or correct information held about

you and to complain about conduct that may breach the

privacy and credit reporting laws;

 Your right to request a CRB not to undertake pre- screening

for purposes of direct marketing by a credit provider; and

 Your right to request a CRB not to release information about

you if you believe you are a victim of fraud.

 

Our Privacy Policy is available on our website at www.matiasgroup.com.au or we will provide you with a copy if you ask us.

Schedule 2 at the end of this document sets out the contact details for each CRB service.

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DISCLOSURE AND CONSENT

 

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Credit providers may provide your personal information (including information about your driver licence or passport) to an organisation

providing verification of your identity, (including credit reporting bodies), to request an assessment of whether the information matches information held by the issuer of the identification document via the use of third party systems (this may also include electronic identity verification). Alternative means of verifying your identity may be available.This detail will also be included by the credit provider who approves your application in the privacy disclosure statement and consent

document it will provide to you. Each credit provider 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. hardcopy or email).

YOUR RIGHTS

You have the right to ask:

 Us to provide you with all the information we hold about

you;

 Us to correct the information we hold if it is incorrect;

 Us for copies of our privacy policy and this document, in a

form that suits you; (e.g. hardcopy or email)

 The CRB not to use your information for direct marketing

assessment purposes, including pre-screening; and

 The CRB to provide you with a copy of the information it

holds about you.

You can gain access to the information we hold about you by

contacting our Privacy Officer at the address above or by telephone

on 1300 887 754 or email at compliance@platform.com.au in some

cases an administration fee may be charged to cover the cost of

providing the information.

You also agree and consent to, as appropriate:

 A CRB disclosing consumer credit information to one or

more credit providers specified in the Schedule 1 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

using 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; and

 A credit provider disclosing to another credit provider, to

your agent, such as us as your broker, or to a servicer, for a

particular purpose, information it holds about you.

EXTENDED EFFECTIVENESS FOR COMMERCIAL CREDIT

Your agreement and consent to the disclosures and consents in this

document will be effective for a period of 12 months, but only in

relation to commercial credit. Your agreement to this ceases when

you either withdraw it by contacting us using our

 

By signing below, you agree we may:

 Use your personal and credit information:

o To assess your consumer or commercial credit and/or

guarantee application and/or to assess a credit

application by a company of which you are a director;

o To source any finances you required;

o To source any insurances you require; and

o As the law authorises or requires.

 Disclose to, and obtain from, any prospective credit provider or

insurer, information about you that is reasonably necessary to

obtain the finance and insurances you require;

 Check your information with the document issuer, such as an

employer or accountant or official record holder for the

purpose of confirming your identity and information you have

provided;

 Obtain from, and disclose to, any third party, information about

you, the applicant(s) or guarantor(s) that is reasonably

necessary to assist you to obtain the finance and insurances

required;

 Provide your information, including your credit report(s), to

one or more of the credit providers specified in Schedule 1 so

they can assess your application, or the application of a

company of which you are a director, or your suitability as a

guarantor;

 Provide credit information about you to a guarantor, or

prospective guarantor;

 Provide you, or the company of which you are a director, with

offers or information of other goods or services we, or any of

our associated entities, may be able to provide to you or the

company, unless you tell us not to;

 Disclose your personal and credit information to the extent

permitted by law to other organisations that provide us with

services, such as contractors, agents, printers, mail houses,

lawyers, document custodians, securitisers and computer

systems consultants or providers, so they can perform those

services for us. This includes service providers located

overseas. It is not practical to list every country in which

recipients will be located, however it is likely to include,

Germany, New Zealand, United Kingdom, Malaysia Philippines,

Singapore, Malaysia, Vietnam & United States of America; and

 Disclose your personal information to any other organisation

that may wish to acquire, or has acquired, an interest in our

business or any rights under your contract with us, or the

contract with us of a company of which you are a director.

 

APPPOINTMENT TO ACT

I hereby appoint the above-named credit representative to act as my/our

finance broker. This mandate confirms that the above-named credit

representative has been appointed to collect, collate, and prepare

relevant documentation and forward to potential lenders and/ or

financial intermediaries.

ELECTRONIC COMMUNICATION CONSENT

By signing the below you acknowledge that:

 paper documents may no longer be given;

 

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details above or 12 months after you sign below, whichever first

occurs. This will allow us to continue to provide our services to you

without the need to ask you to sign a new privacy statement and

consent each time you require commercial credit within a 12-month

period. The extended effectiveness does not apply in relation to

consumer credit.

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.

EFFECTIVENESS FOR CONSUMER CREDIT

This authorisation ceases when we undertake a task on behalf of the

credit provider.

SOUTH AUSTRALIA

For specific finance transactions we may arrange for you, we

will tell you details of the amounts we receive or pay or are

likely to receive or pay, or if not known at the time, how these

amounts are calculated and/or reasonable estimate of the

amounts, as well as who pays and receives these amounts.

 

 you authorise us to provide you with documents, such as a

Credit Guide, Quote for providing credit assistance, Credit

Proposal Disclosure Document, this Privacy Disclosure

Statement & E-mail Communication Consent and other

information, by electronic communication to the e-mail

address set out below (see the Authorisation section of this

Privacy Disclosure Statement and E-mail Communication

Consent);

 you agree to regularly check your e-mail address for documents

we may have sent you by electronic communication; and

 consent to the provision of documents by electronic

communication may be withdrawn at any time.

 You can cancel your consent to receive electronic

communication at any time, by contacting us via e-mail at:

Info@platform.com.au or by phone 1300 730 856.

 

AUTHORISATION