Urgent Business Loans Privacy Statement and Privacy Consent
This statement includes:
– our collection statement, explaining aspects of our collection and use of personal information
– our privacy policy, your consent to it, and further explaining how we manage personal information.
COLLECTION STATEMENT
Who we are
Urgent Business Loans (ACN 659 081 759) and all references to “Urgent Business Loans” “we”, “us”, or “our” in this statement are references to Urgent Business Loans or any of its associated companies, entities or agents.
Our contact details
Phone: 1300 24 24 24
Email: Via our Contact Us page
Web: www.urgentbusinessloans.com.au
Collection from third party source
We may collect personal information from someone other than you, and you may not be aware of the collection, when it is not reasonable or practicable to collect it from you, and it is available from:
other companies in our group that you may have dealt with third parties like our business partners including brokers our contractors and other representatives that you may deal with
third party platforms and services (such as services to access your bank statements, credit bureaus and social media)
our websites and how you use them
various parties listed under Disclosing personal information in our Privacy Policy.
Collection under law
We may be required to collect personal information by law.
Why we collect and hold personal information We collect and hold personal information because:
we may need to use it to operate our business
we may need to provide it to other parties in connection with our business (including lenders and brokers).
The uses and disclosures we may make of personal information are detailed in our Privacy Policy.
Unavailability of personal information
If we cannot collect the information we need about you, we may not be able to supply the products or service you want.
Disclosing personal information We may disclose personal information as reasonably required to lenders, brokers, contractors and suppliers whose goods and services that we use to operate our business and provide products, services and support to you, and to other parties detailed in our Privacy Policy. Some of these parties may be based overseas, eg. USA, UK, NZ and Canada.
Access and correction
Our privacy policy contains information about how you can access and seek correction of the personal information about you that we hold.
Complaints
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.
COLLECTION STATEMENT
Personal information
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.
Kinds of personal information we collect and hold
Broadly, we may collect and hold:
personal details like name, date of birth, gender, occupation, passport number, and in some instances photographs
contact details like physical, postal, work and email addresses and phone numbers
financial details like bank statements including ongoing bank statements for the term of the loan, and your credit report
service-related details like your social media user names, employment history and website / service usage history, support incidents, enquiries and complaints
other details relating to special situations.
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 products or service you want.
Collecting personal information
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 (eg: when you contact us by phone or online, or at our premises).In other cases, we may collect personal information about you from:
other companies in our group that you may have dealt with
third parties like our business partners including lenders, brokers and agents
our contractors and other representatives that you may deal with
third party platforms and services (including social media)
other details relating to special situations.
our websites and how you use them
from servers upon which our products and services operate from (whether those servers are hosted by you, by us, or any third party)
various parties listed under Disclosing personal information in our Privacy Policy.
If a 3rd party who is unknown to us enters your information into our application form on your behalf
Holding personal information
We hold personal information in hard and/or soft copy at our offices and in other facilities that we own or license from third parties, like data centres. We take reasonable steps to keep it secure and to protect it from unauthorised access, use or alteration.
Why we collect and hold personal information
we may need to use it to operate our business
we may need to provide it to other parties in connection with our business
Using personal information
We may use personal information:
to identify you (including for lenders and brokers)
– for credit checks
– to prevent fraud
– to supply products and services to you
– to give you information about us (our partners and related entities) and our (partner and related entity) products, and product offers
– for direct marketing – see Direct marketing for details
– to improve our products, our marketing and our website
– to answer your enquiries
– to give you customer support and service
– to better understand your needs and respond to them
– to manage and plan our products and business
– to collect payment from you
– for other purposes related to the operation of our business, including to allow lenders and brokers to enforce the terms of any legal agreements.
Disclosing 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
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 our agents, and members of our corporate group
to our business partners (such as lenders and brokers)
to organizations that provide credit or finance to us
to persons who invest in or acquire all or part of our business or company, or are considering doing so.
Some of these parties may be based overseas eg USA. We ensure any overseas companies are bound by confidentiality and privacy obligations.
Direct marketing
We may use and disclose personal information to direct market to you products offered by us, our agents, and members of our corporate group, and our business partners, where we think the offers will be of interest to you, using:
post
electronic messaging
social media
targeted web content
other direct marketing channels.
Accessing and correcting personal information
Please contact us for these purposes using the details in Contact Us link 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 we may recover our reasonable costs for responding to a request for access to personal information. The credit reporting bodies we use are Equifax Inc. You can access a copy of their respective privacy policy at:
Equifax
Website: www.equifax.com.au
Phone: 138 332
Address: Attention: Equifax Customer Resolutions Team, PO Box 964, North Sydney NSW 2059.
Complaints
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:
acknowledge your complaint within a reasonable time
give you an estimated first response time
allocate your complaint to a suitably senior staff member
process and respond to your complaint as soon as we reasonably can.
Direct marketing may continue until you opt-out by calling the number in Contacting us even if you are no longer our customer.
Contacting us
Questions, requests and complaints regarding our Privacy Statement or our compliance with privacy laws should be directed to us by telephone on 1300 24 24 24 or via Contact Us