Who are we?

"We", "us" and "our" refer to ABOD AUTO PTY LTD ACN 662 886 526, Credit Representative #557658, and our related businesses.

Our commitment to protect your privacy

We understand how important it is to protect your personal information. This document sets out our privacy policy commitment in respect of the personal information (including credit-related information) we hold about you and what we do with that information.

We recognise that any personal information we collect about you will only be used for the purposes we have collected it or as allowed under the law. It is important to us that you are confident that any personal information we hold about you will be treated in a way that ensures its protection.

Our commitment in respect of personal information is to abide by the Australian Privacy Principles (APPs) and Part IIIA of the Privacy Act, the Privacy (Credit Reporting) Code 2014, and any other relevant law.

Personal information

When we refer to personal information, we mean information from which your identity is reasonably apparent. This may include information or an opinion about you. The personal information we hold may also include credit-related information.

Credit-related information includes:

• Credit information, which covers your identity, the type, terms, and maximum amount of credit provided to you, repayment history, financial hardship details, overdue payments, new arrangements, court proceedings, and personal insolvency information.

• Credit eligibility information, which is credit reporting information supplied to us by a credit reporting body and any information that we derive from it.

We use your credit-related information to assess your eligibility for finance. Usually, this information is exchanged between credit and finance providers and credit reporting bodies.

The kinds of personal information we collect

The personal information we may collect about you includes:

• Basic information – Name, date of birth, address, account details, and occupation.

• Online activity – IP address, telephone number, website visits, third-party sites accessed, device details, and other user location information.

• Finance-related details – If you are applying for finance or providing a guarantee, we may collect details such as dependents, employment information, proof of earnings, and expenses.

• Insurance-related details – If you apply for an insurance product through us, we may collect details about the insured item, beneficiaries, and your health information (with consent).

For information about how we collect cookies and online tracking data, please refer to our Website Terms of Use/Policy at https://www.bookatestdrive.com.au/termsandconditions.

Why we collect your personal information

We collect personal information to:

• Assess and manage your finance application.

• Establish your identity and contact you.

• Manage risks and comply with legal obligations.

• Provide direct marketing and enhance our relationship with you.

• Offer you other products and services.

How do we collect your personal information?

Where reasonable and practical, we collect personal information directly from you. However, we may also collect information from:

• Public sources – Social media, public registers.

• Third parties – Credit reporting bodies, finance brokers, employers, accountants, and lawyers.

• Our systems – Online tracking tools when you visit our website or use our services.

We will never ask you to provide personal information publicly over social media platforms.

Do we disclose your personal information?

We may disclose your personal information to:

• Prospective funders and intermediaries for your finance needs.

• Businesses that manage or administer your finance, including lenders, call centers, and insurers.

• Associated businesses that may want to market products to you.

• Companies that provide infrastructure or support services.

• Third-party agents, contractors, or service providers for outsourced functions.

• Entities that represent you, such as brokers, lawyers, and accountants.

• Credit reporting bodies, auditors, insurers, and claims investigators.

• Law enforcement agencies and regulators when required by law.

• Your employer, former employer, referees, or identity verification services.

Before disclosing your personal information, we take reasonable steps to ensure:

• The recipient has a commitment to data protection at least equal to ours.

• You have provided consent for the disclosure.

Credit-related information

We exchange credit-related information for finance assessment and management. If you are a guarantor, we may obtain a credit report about you.

This information may be stored:

• Electronically on secure servers.

• In paper form.

• On cloud storage, which may be located outside Australia.

When obtaining credit eligibility information, we may also seek publicly available data and details of any serious credit infringements.

We ensure appropriate data security when disclosing credit-related information overseas.

Direct marketing

From time to time, we may use your personal information for:

• Providing finance-related updates.

• Offering products or services of interest.

• Informing you of changes to our organisation.

If you do not wish to receive marketing material, you can opt out at any time by emailing info@abodauto.com.au or using the unsubscribe function in emails.

Updating your personal information

To keep our records accurate, we may ask you to inform us of changes to your personal information.

If you need to update your details, please contact us. You are responsible for ensuring that your information is accurate and complete.

If updates are required under your contracts with us, you must notify us accordingly.

Accessing and correcting your personal and credit information

You may request access to any personal or credit-related information we hold about you.

• We will respond within seven days and may charge a retrieval fee.

• In some cases, we may need to contact other entities to investigate your request.

• If we refuse access, we will provide an explanation.

If your personal or credit-related information is incorrect or outdated, you may request a correction by emailing info@abodauto.com.au.

Business without identifying you

In some cases, you may interact with us without providing personal information, such as:

• General inquiries about finance products.

• Interest rate or promotional offer inquiries.

Where lawful and practicable, we will offer this option.

Sensitive information

We will only collect sensitive information with your consent. This includes details about:

• Racial or ethnic origin.

• Political affiliations.

• Professional associations.

• Criminal records.

• Health information.

How we protect your personal information

We take reasonable steps to protect your personal information from:

• Misuse, loss, or unauthorised access.

• Modification or disclosure.

Your data is stored securely in both paper and electronic formats.

Complaints

If you have concerns about how we handle your personal information, contact our Complaints Officer at info@abodauto.com.au.

• We will acknowledge your complaint within seven days.

• We aim to resolve complaints within 30 days.

• If dissatisfied, you can escalate the matter to:

  • Australian Financial Complaints Authority (AFCA) – Call 1800 931 678 or email info@afca.org.au.

  • Office of the Australian Commissioner – Visit oaic.gov.au or call 1300 363 992.

Further information

For more details on how we handle personal and credit-related information, contact us.

We regularly update our privacy policy to align with legal changes and market expectations.

You can request this policy in an alternative format by emailing info@abodauto.com.au.

This Privacy and Credit Reporting Policy came into effect on 19/04/2024.