Privacy Policy
| Background: | |||||
| This Policy applies as between you, the User of this Web Site and First Stop Money Pty Limited the owner and provider of this Web Site. This Policy applies to our use of any and all Data collected by us in relation to your use of the Web site and any Services or Systems therein. | |||||
| 1. | Definitions and Interpretation | ||||
| In this Policy the following terms shall have the following meanings: | |||||
| “Account” | means collectively the personal information. Payment Information and credentials used by Users to access Material and / or any communications System on the Web Site; | ||||
| “Content” | means any text, graphics, images, audio, video, software, data compilations and any other form of information capable of being stored in a computer that appears on or forms part of this Web Site; | ||||
| “Cookie” | means a small text file placed on your computer by First Stop Money Pty Limited when you visit certain parts of this Web Site. This allows us to identify recurring parts of this Web Site. This allows us to identify recurring visitors and to analyse their browsing habits within the Web Site. Where e-commerce facilities are provided, Cookies may be used to store your Form Data and tract your journey through our sites. Further details are contained in Clause 10 of this Policy; | ||||
| “Data” | means collectively all information that you submit to the Web Site. This includes, but is not limited to, Account details and information submitted using any of our Services or Systems; | ||||
| “First Stop Money Pty Limited” | means First Stop Money Pty Limited, PO Box 566, West Perth, WA 6872, Australia; | ||||
| “Service” | means collectively any online facilities, tools, services or information that First Stop Money Pty Limited makes available through the Web Site either now or in the future; | ||||
| “System” | means any online communications infrastructure that First Stop Money Pty Limited makes available through the Web Site either now or in the future. This includes, but is not limited to, web-based email, message boards, live chat facilities and email links; | ||||
| “User/Users” | means any third party that accesses the Web Site and is not employed by First Stop Money Pty Limited and acting in the course of their employment; and | ||||
| “Web Site” | means the website that you are currently using (www.loanspronto.com.au) and any other domains covered by First Stop Money Pty Limited unless expressly excluded by their own terms and conditions. | ||||
| 2. | Data Collected | ||||
| Without limitation, any of the following Data may be collected: | |||||
| 2.1 | first and surname; | ||||
| 2.2 | date of birth; | ||||
| 2.3 | gender; | ||||
| 2.4 | job title; | ||||
| 2.5 | profession; | ||||
| 2.6 | contact information such as full residential and email addresses and telephone numbers; | ||||
| 2.7 | demographic information such as post code, preferences and interests; | ||||
| 2.8 | financial information such as credit / debit card numbers; | ||||
| 2.9 | IP address (automatically collected); | ||||
| 2.10 | web browser type and version (automatically collected); | ||||
| 2.11 | operating system (automatically collected); | ||||
| 2.12 | a list of URLS starting with a referring site, your activity on this Web Site, and the site you exit to (automatically collected); and | ||||
| 2.13 | Cookie information (see clause 10 below). | ||||
| 3. | Our Use of Data | ||||
| 3.1 | Any personal Data you submit will be retained by First Stop Money Pty Limited for as long as you use the Services and Systems provided on the Web Site. Data that you may submit through any communications System that we may provide may be retained immediately. | ||||
| 3.2 | Subject to Clause 4, your Data may be shared with carefully selected 3rd parties who may email you from time to time with other financial offers that may be suitable to you. By providing us with your email address, you give your consent to us using this information as described. If you prefer not to receive 3rd party information, or information from us, you may opt out at anytime by using the “unsubscribe” function available in the marketing emails that are sent to you. If you opt-out of our use of your personal information for marketing purposes, we will honour such choice once we have had a reasonable opportunity to process your request. | ||||
| 3.3 | All personal data is stored securely in accordance with the principles of the Commonwealth Privacy Act 1988. Any or all of the above Data may be required by us from time to time in order to provide you with the best possible service and experience when using our Web Site. Specifically, Data may be used by us for the following reasons: | ||||
| • internal record keeping; | |||||
| • improvement of our products / services; | |||||
| • transmission by email or post of promotional materials that may be of interest to you; | |||||
| • contact for market research purposes which may be done using email, telephone, fax or mail. Such information may be used to customise or update the Web Site. | |||||
| PLEASE READ CAREFUL LY PRIVATE PROTECTION OF INFORMATION (CONSUMER CREDIT) IMPORTANT NOTICE TO APPLICANTS FOR CREDIT (SECTION 18E(8)(c) PRIVACY ACT 1988) |
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| First Stop Money Pty Limited may give information about you to a credit reporting agency, but only limited kinds of information allowed by this Privacy Act 1988 (Commonwealth). This includes: STATEMENT BY APPLICANT(S) FOR CREDIT |
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| (Please read carefully before signing. When more than 1 applicant, each applicant to sign). | |||||
| • identity particulars – this only includes your name, sex, date of birth, current known address, two immediately previous addresses, your current or last known employer, and your drivers licence number; | |||||
| • the fact that First Stop Money Pty Limited is a credit provider to you; | |||||
| • payments overdue for at least 60 days, when First Stop Money Pty Limited has taken steps to recover; | |||||
| • advice that payments are no longer overdue; | |||||
| • cheques for an amount greater than $100, drawn by you which have been dishonoured more than once; | |||||
| • the opinion of First Stop Money Pty Limited that you have committed a serious credit infringement; | |||||
| • when the credit provided to you has been discharged | |||||
| i. | Purpose of credit: The credit I am applying for is wholly or primarily for a domestic, family or household purpose. | ||||
| ii. | Giving information to a Credit reporting agency (Section 18 E(8)(c) Privacy Act 1988): First Stop Money Pty Limited has informed me that it may give certain personal information about me to a credit reporting agency. I understand that First Stop Money Pty Limited can only give limited kinds of information which are set out in the Privacy Act 1988 and examples of which are listed above. | ||||
| iii. | Exchanging Information with other Credit Providers (Section 18N (1)(b) Privacy Act 1988): I agree to First Stop Money checking personal information about me with any credit provider named in my credit application and with other credit providers that may be named in a credit report issued by a reporting agency, for any of the following purposes: | ||||
| • to assess my credit worthiness | |||||
| • to assess an application by me for credit | |||||
| • to help me avoid defaulting on my credit obligations | |||||
| • to notify a default by me | |||||
| • collection of overdue payments. | |||||
| I understand that this information can include any information about my credit worthiness, credit standing, credit history or credit capacity that credit providers are allowed to give or receive from each other under the Privacy Act 1988. | |||||
| iv. | Access to Commercial Credit Information (Section 18L (4) Privacy act 1988): For the purpose of assessing my application for credit, I consent to First Stop Money Pty Limited obtaining a report containing information about my commercial activities or commercial credit worthiness, from a business which provides information about a commercial credit worthiness of persons. | ||||
| v. | Access to Consumer Credit Information for a Commercial Credit Application (Section 18K (1) (b) Privacy Act 1988) If my application is for commercial credit, I consent to the Credit Union, in order to assess my application, obtaining from a credit report about me containing consumer credit information. | ||||
| 4. | Third Party Web Sites and Services | ||||
| First Stop Money Pty Limited may, from time to time, employ the services of other parties for dealing with matters that may include, but are not limited to, payment handling, delivery of purchased items, search engine facilities, advertising and marketing. The providers of such services DO have access to certain personal Data provided by Users of this Web Site. Any Data used by such parties is used only to the extent required by them to perform the services that First Stop Money Pty Limited requests. Furthermore, any Data that is processed by third parties must be processed within the terms of this Policy and in accordance with the Commonwealth Privacy Act 1988. | |||||
| 5. | Changes of Business Ownership and Control | ||||
| 5.1 | First Stop Money Pty Limited may, from time to time, expand or reduce its business and this may involve the sale of certain divisions or the transfer of control of certain divisions to other parties. Data provided by Users will, where it is relevant to any division so transferred, be transferred along with that division and the new owner or newly controlling party will, under terms of this Policy, be permitted to use the Data for the purpose for which it was supplied by you. | ||||
| 5.2 | In the event that any Data submitted by Users will be transferred in such a manner, you will not be contacted in advance and informed of the changes. When contacted you will not given the choice to have your Data deleted or withheld from the new owner or controller. | ||||
| 6. | Controlling Access to your Data | ||||
| Wherever you are required to submit Data, you will be given options to restrict our use of that Data. This may include the following: | |||||
| • use of Data for direct marketing purposes; and | |||||
| • sharing Data with third parties. | |||||
| 7. | Your Right to Withhold Information | ||||
| 7.1 | You may access certain areas of the Web Site without providing any Data at all. However, to use all Services and Systems available on the Web Site you may be required to submit Account information or other Data. | ||||
| 7.2 | You may restrict your internet browser?s use of Cookies. Form more information see clause 10.4 below. | ||||
| 8. | Accessing your own Data | ||||
| 8.1 | You may access your Account at any time to view or amend the Data. You may need to modify or update your Data if your circumstances change. Additional Data as to your marketing preferences may also be stored and you may change this at any time. | ||||
| 8.2 | You have the right to ask for a copy of your personal Data on payment of a small fee. | ||||
| 9. | Security | ||||
| Data security is of great importance to First Stop Money Pty Limited and to protect your Data we have put in place suitable physical, electronic and managerial procedures to safeguard and secure Data collected online. | |||||
| 10. | Cookies | ||||
| 10.1 | First Stop Money Pty Limited may set and access Cookies on your computer. | ||||
| 10.2 | A Cookie is a small file that resides on your computer?s hard drive and often contains an anonymous unique identifier and is accessible only by the web site that placed it there, not any other sites. | ||||
| 10.3 | You may delete Cookies, however you may lose any information that enables you to access the Web Site more quickly. | ||||
| 10.4 | You can choose to enable or disable Cookies in your web browser. By default, your browser will accept Cookies, however this can be altered. For further details please consult the help menu in your browser. Disabling Cookies may prevent you from using the full range of Services available on the Web Site. | ||||
| 11. | Changes to this Policy | ||||
| First Stop Money Pty Limited reserves the right to change this Privacy Policy as we may deem necessary from time to time or as may be required by law. Any changes will be immediately posted on the Web Site and you are deemed to have accepted the terms of the Policy on your first use of the Web Site following the alterations. | |||||
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