Privacy Policy

1. Introduction and Scope

Auto Financial (“we”, “us”, “our”) is bound by the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs) in relation to the handling of personal information citeturn3search14. This Privacy Policy explains how we collect, hold, use and disclose personal information about you in connection with our auto finance broking services, and how you can access and correct that information citeturn3search0.

2. What Information We Collect

2.1 Personal Information

We may collect:

  • Identity and contact details (e.g. name, address, email, phone) for client identification and communication.
  • Financial information (e.g. income, expenses, assets, liabilities, credit history) to assess your borrowing capacity.
  • Government identifiers (e.g. driver licence number, Medicare number) when required to verify identity citeturn3search3.

2.2 Sensitive Information

Sensitive information (e.g. health information, ethnicity) is only collected with your consent where necessary (for example, if you are seeking specific hardship assistance) and handled in accordance with APP 3 citeturn3search0.

2.3 Automatically Collected Information

When you visit our website, we may collect browsing data (e.g. IP address, browser type, pages visited) through cookies and similar technologies to optimise site performance and user experience citeturn3search5.

3. How We Collect Information

  • Directly from you when you complete forms, call us or correspond by email.
  • From third parties such as credit reporting bodies, referees, lenders and other service providers, where you have authorised the disclosure of your information citeturn3search6.
  • Automatically via cookies, web logs and analytics tools when you access our website citeturn3search5.

4. Use of Your Information

We use your personal information to:

  1. Assess and process your finance applications.
  2. Provide quotes, advice and other services.
  3. Communicate updates, reminders and marketing (with your consent).
  4. Comply with legal and regulatory obligations (e.g. anti-money laundering checks) citeturn3search6.

5. Disclosure of Your Information

We may disclose your information to:

  • Lenders, insurers and other finance providers to arrange the products you request.
  • Credit reporting bodies to obtain credit reports or make enquiries.
  • Service providers engaged to perform functions on our behalf (e.g. IT, mailouts).
  • Government and regulatory authorities as required by law (e.g. Australian Securities & Investments Commission) citeturn3search14.
    All third parties are required to handle your information in accordance with this Policy and the APPs.

6. Data Storage and Security

We hold your information in secure electronic systems and, where necessary, locked physical storage. We implement administrative, technical and physical safeguards (e.g. encryption, access controls) to protect against unauthorised access, modification or disclosure citeturn3search6.

7. Access and Correction

Under APP 12 and 13, you may request access to or correction of your personal information held by us citeturn3search2. To make a request, please contact us as outlined in section 13. We will respond within a reasonable period and advise you of any charge.

8. Cookies and Tracking Technologies

Our website uses cookies to:

  • Remember your preferences and improve functionality.
  • Analyse site usage to help us enhance user experience.
    You can manage cookie settings via your browser preferences; however, disabling cookies may affect site performance citeturn3search5.

9. Third-Party Services

We may use third-party analytics and marketing platforms (e.g. Google Analytics, email service providers) which have their own privacy policies. We recommend you review their policies before providing personal data to them.

10. International Transfers

Where necessary, we may transfer personal information to recipients located overseas (e.g. cloud service providers). We will take reasonable steps to ensure that overseas recipients handle your information in compliance with the APPs citeturn3search14.

11. Retention Period

We retain your personal information for as long as needed to fulfil the purposes outlined in this Policy or as required by law (typically up to 7 years for finance records) citeturn3search8.

12. Changes to This Privacy Policy

We may update this Policy from time to time. The latest version will be published on our website with the effective date at the top. We encourage you to review it regularly.

13. Contact Us

For privacy enquiries, access or correction requests, or to make a complaint, please contact:
Privacy Officer
Auto Financial
Email: [email protected]

If you are not satisfied with our response, you may refer your complaint to the Office of the Australian Information Commissioner at www.oaic.gov.au.