privacy policy

Privacy

Our commitment to your right to Privacy

At Anything Finance Pty Ltd we are serious about protecting your privacy. When you appoint us as your agent to arrange finance and insurance we will apply the highest standards of managing personal information. We will adhere to all relevant laws and regulations, the basic Principles detailed below and to our Privacy Policy.

1. We will collect only the personal information necessary to provide services, administer those services and to promote our products to you and any other individuals whose personal information is collected.

2. We will tell you why we are collecting your personal information and what we will need to do with it to facilitate the provision of the finance and insurance we are arranging for you.

3. Where required by the Australian Privacy Principles, we will collect information directly from you and any other individuals with whom we deal. Where we need to collect information from other sources, we will tell you what we are doing, where we are collecting that information from and why.

4. We will make all reasonable efforts to ensure that personal information is stored securely and is protected against misuse or unauthorised access. Where required by the Australian Privacy Principles, we will provide access to an individual and/or organisation in relation to your personal information and assist you or them to correct any errors or omissions in that information.

5. All new Anything Finance employees will receive training on Anything Finance’s Privacy Policy and procedures.

6. Our Privacy Policy will be freely available to clients and prospective clients on Anything Finance’s website.

If you contact a third-party using functionality provided by Anything Finance, including via e-mail, we do not accept any responsibility for any communications or transactions between you and that third party.

Our Privacy Policy may change for time to time

Anything Finance constantly reviews all its policies and procedures to keep up to date with changes in the law, technology and market practices. As a result, we may change this privacy policy from time to time. If Anything Finance considers it necessary as a result of changes in the law, technology and market practices, we will conduct training for all of our staff to ensure those changes are understood and properly implemented.

This policy was last updated on 3 March 2022.

Privacy Statement

At Anything Finance we want you to be confident that the personal information you provide to us is treated with the highest degree of integrity and privacy.

However, it is equally important to us that we provide the best possible service across our wide range of financial products and services. To achieve this aim we need to make the most efficient use of your personal information.

What is “personal information”?

Personal information is any information about you that identifies you or by which your identity can be reasonably determined.

Why we collect your personal information

Collecting your personal information is essential for Anything Finance to be able to conduct its business of arranging and/or providing financial products and services for its customers. The information we collect, either from you directly, or about you from other sources is necessary to enable us to prepare an application on your behalf.

If we do not collect this information, we may not be able to fully assess your requirements and arrange the financial product that suits your personal circumstances.

By collecting personal information, we:

How do we collect your personal information?

Where possible, we collect your personal information directly from you.

Collection may take place in a number of ways, such as when you complete an online application form or request a product or service over the telephone.

Often personal information is collected during the course of our relationship with you. An example of personal information collection may be when you contact us to discuss your existing loans and/or insurances.

Sometimes personal information may be collected about you from other sources. Examples of this and why this would happen are:

Credit information or payment history we obtain about you from a credit reporting agency or a financier in the course of preparing an application for a loan on your behalf.
Your employer, in the course of confirming your employment details to support your application.
Your landlord, in the course of confirming your residence and rent payments to support your application.
A car dealer who provides initial information to us about you so we can commence preparing a finance and/or insurance application on your behalf.
In most cases we will require you to specifically consent to any collection, use or disclosure of your personal information by Anything Finance. You will need to provide your consent by clicking on the “consent” button on our website, or by digitally signing our electronic privacy consent, or by having your consent recorded on the telephone. We will also ask you to sign a consent form when completing your hard copy application documentation.
Regardless of how your personal information is collected, it is dealt with by Anything Finance in accordance with this Privacy Policy.

What are 'cookies' and how do they work?

Cookies are small data files that are downloaded from our web servers and stored on your hard drive when you access our website. A cookie is a string of letters and numbers that uniquely identify the computer you are using and the customer number and access code you may have used to register at the site.

Cookies are used on the Anything Finance website to track a visitor's journey through our site. This allows us to see at a glance which pages and information are of most interest to visitors.

This type of cookie contains no personal information at all; simply a record of your journey through the site.

By entering the Anything Finance website you agree to Anything Finance’s use of cookies. Most browsers can be configured to refuse to accept cookies. You can also delete cookies from your hard drive. However, doing so may hinder your access to valuable areas of information within our site.

How we use your personal information

We use the personal information that we collect so that we can conduct our business of facilitating and/or providing financial products and services and to administer and enhance the financial service relationship we have with you.

We may also share the information with other companies in the Anything Finance group.

Direct Marketing

From time to time we may use your personal information to provide you with information about our range of financial products and services. Our contact with you will usually be by mail, telephone, email or other social media, such as Facebook.

If you do not want to receive any of this information just contact us by calling 1300 or by clicking the appropriate button on the website or by writing to us. Once you have told us you no longer wish to receive information about our products and services, we will not send you any further material, unless we are required by law to send such information to you and we will acknowledge your instruction by email or in writing.

You can, however, change your mind about receiving information about our products and services at any time – either way, you just need to let us know.

Anything Finance does not disclose your personal information to a party outside Anything Finance for the purposes of allowing them to direct market their products or services to you, unless you have specifically agreed to our doing so.

We will not call personally at your residence or place of work unless you specifically agree to this and we arrange an appointment beforehand.

Do we disclose your personal information to anyone?

To arrange the requested financial and insurance facilities we need to pass the personal information we collect to Credit Providers and Insurers whom we approach on your behalf seeking credit and insurance for you.

To be able to provide your application to the Credit Providers and Insurers we may also need to disclose the information (or part of it) to:

Credit Reporting Agencies and any current and past credit providers both in Australia and New Zealand – for the purpose of obtaining details of your current and past credit payment history
Your referees, employers and landlords – for the purposes of identifying you correctly when we seek confirmation from them regarding the details you have provided to us.
Mail service providers – for the mailing of documents, correspondence and Anything Finance direct marketing material etc.
Guarantor/s offered on loan applications – for the purpose of allowing them to fully understand the risks they may be taking.
Anything Finance may need to disclose your information to multiple credit providers in order to obtain the credit you are seeking. This may include multiple credit checks over the course of the application process. Anything Finance may continue to seek credit for you until you tell us to stop.

Anything Finance may also disclose your personal information to others in certain circumstances. For example:

If we are required or authorised by law to disclose your personal information. For example, to a Court in response to a subpoena or to the Australian Taxation Office following a direction issued under taxation laws.
We may also disclose your personal information to other parties, but only where you have consented to us doing so. Your consent to the disclosure of your personal information may be given explicitly such as in writing or verbally or may be implied from your conduct EG if you publicly discuss with the media details of your dealings with us.
Where a Anything Finance contracted entity is dealing with you then we may need to pass information back to the entity in the course of assessing your application. Each contractor is bound to comply with the provisions of this policy.

How do Credit Providers and Insurers deal with the information we give them?

Prior to actually entering into the finance agreement or insurance policy, you will be asked to give your written consent to allow those organisations to use your personal information. They will provide full details of how they intend to use and store the information at that time.

Ensuring your personal information is up-to-date

We rely on the personal information we hold about you to efficiently conduct our business of providing or arranging financial products and services.

For this reason, it is very important that the personal information we collect from you is accurate, complete and up-to-date.

During the course of our relationship with you we may ask you to tell us of any changes to your personal information, however you can contact us at any time to update your personal information or to tell us that the information we hold about you is inaccurate or incomplete.

Is my personal information secure?

The protection of your personal information is a priority for Anything Finance.

This is why we take all reasonable precautions to safeguard your personal information from loss, misuse, unauthorised access, modification or disclosure. We employ a number of means to protect your personal information including:

Secure premises.
Separately secured Information Technology area.
Entering into confidentiality agreements with all employees, contractors and third-party organisations.
Password protecting our computer-based information to prevent unauthorised computer access.
Providing appropriate protection against “hackers” within our computer systems.
Securely destroying and/or deleting any personal information that is no longer required from our systems.
Requiring any contractors to Anything Finance to adopt the same levels of security as ourselves.

Can I access the personal information Anything Finance holds about me?

You may request access to any of the personal information we hold about you.

In most cases, details of the personal information we hold about you is freely available by telephoning, writing to us, or arranging an appointment for a personal visit to our offices.

If the information you seek is not readily available, for example, archived data, then we will endeavour to provide this to you within 30 days of your request. We reserve the right to charge you a fee for this retrieval.

Anything Finance may be required by law or by good business practice to retain your personal information for a period of time after you have ceased your relationship with us. After the required time has passed, we may securely destroy all hard copies and may delete all electronic copies of your personal information.

Can my request for access to my personal information be denied?

Anything Finance is not always required to provide you with access to your personal information upon your request.

We may refuse you access to personal information in a number of circumstances, such as where the information may relate to existing or anticipated legal proceedings with you, where denying access is required or authorised by law, or where the request for access is regarded as frivolous or vexatious.

If we deny your request for access to, or refuse your request to correct your personal information, we will explain why.

Can I request the removal or destruction of my personal information?

You may request the removal or destruction of your personal information. Such requests must always be in writing and addressed to: The Privacy Officer, Anything Finance, 3308/397 Christine Avenue, Varsity Lakes, 4227, Queensland.

We may refuse your request if you have an active loan contract that we have arranged, where your personal information may relate to existing or anticipated legal proceedings involving you, or where retention of that information is required or authorised by law. If we deny your request for removal or destruction of your personal information, we will explain why.

If your loan contract has been finalised and you have not given your consent for ongoing direct marketing, we will destroy or de-identify your personal information.

Do I have to be identified?

Generally it is not possible for us to do business with you unless we have identified you. This is necessary as standard business practice and also protects you against someone using your name fraudulently to obtain finance or insurance. We will usually ask you for photographic evidence such as a drivers licence or passport. We may also need to carry out a “100 point check” to verify your identity and any information obtained in this activity will be maintained securely in conjunction with any other Personal Information you provide.

We will not use your Tax File Number and if this is provided in any information you give us we will not record it in our files and will remove any reference to it from documents you provide to us.

Wherever it is lawful and practicable to do so, we may offer you the opportunity to deal with us anonymously, if you request it. For example, when making an enquiry about current interest rates applicable or the type of products or services we offer.

Does my personal information leave Australia?

Information about any Anything Finance actual or potential client may only be provided to the third parties with which Anything Finance has dealings in Australia. Personal information about any actual or potential client of Anything Finance is not sent to, or exchanged with, any other third party outside Australia, New Zealand.

Does Anything Finance collect “Sensitive Information”?

If personal information concerns particular topics it is regarded as sensitive information. Sensitive information can be information about your:

Racial or ethnic origin
Political opinions
Membership of a political association
Religious beliefs or affiliations
Philosophical beliefs
Membership of a professional or trade association
Membership of a trade union
Sexual preferences or practices
Criminal record
Health

Anything Finance generally has very limited need to obtain such information, however we may require some information such as criminal record or health records to arrange certain insurance facilities. If such information is needed, then it will only be obtained and/or used with specific consent from you. If, in the course of arranging your application or facilities, such information does come into our possession from a third party, we will seek your consent to collect, store and use this should we consider such use necessary in your application.

Access to our services via the Internet

As much of Anything Finance business emanates from referrals through our website, we ensure that any personal information we get online from customers or prospective customers is treated with the same level of care as if it was received via personal contact. Our policies provide that:

If you make a general email enquiry (usually this involves providing only your name, contact details and type of facility required), we will always ask you for your written consent before we commence any actual application activity on your behalf.
If you make a full online application, your details will be encrypted via our web technology to provide high level protection from unauthorised access to your personal information. We will also ensure that we hold your written consent before commencing any application activity.

Concerns or requests for access?

If you have a question about this Privacy Policy or wish to lodge a request to access your personal information you can contact our Privacy Officer in the following ways:

• Email: support@anythingfinance.com.au
• Telephone: 1300 511 849

In writing to:

• The Privacy Officer
Anything Finance
3308/397 Christine Ave
Varsity Lakes
4227
Queensland
Australia

Anything Finance Website Conditions of use

Intellectual Property

You have no right, title or interest in or to any proprietary rights relating to Anything Finance Pty Ltd (Anything Finance) nor any of its related entities (Anything Finance Group).

The Anything Finance website and Anything Finance’s related social media and other publications contain material that is protected by copyright, trademark and other laws.

You may reproduce and display Anything Finance’s published material for your own personal, non-commercial use only. Except for the copy held in your computer's cache and a single permanent copy for your personal use, the material may not otherwise be used, stored, reproduced, published, altered or transmitted in any form or by any means in whole or in part without our prior written approval and you may not use any of Anything Finance’s published material to support in any way your own publications, internet website, social media or other means of distribution without such approval.

Nothing displayed in Anything Finance’s published material should be construed as granting any right of use in relation to any material displayed therein unless you have our express written consent.

Third party websites, advertising and activities

Our website and other electronic social media publications may feature or display links and pointers to websites operated by third parties. These websites do not form part of the Anything Finance Group and are not under our control therefore Anything Finance does not accept any responsibility in connection with any such website.

If you link to any such websites, you leave the Anything Finance electronic publication entirely at your own risk. In addition, you must not link to any Anything Finance website or any of its other electronic media from any other website (nor authorise any other person from a third-party website to so link) without our prior written permission.

Indemnity

You agree to fully indemnify and hold us harmless against any expenses, costs, loss (including consequential loss) or damage that we may suffer or incur as a result of or in connection with your use of, access to or conduct in connection with the Anything Finance website, including any breach by you of the Conditions.

Severability

If any provision of the Conditions is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of the Conditions, which shall remain in full force and effect.

No waiver

No waiver of any term of the Conditions shall be deemed a further or continuing waiver of such term or any other term. Any failure to assert any right under the Conditions shall not constitute a waiver of such right.

Applicable law

These Conditions shall be construed in accordance with and governed by the laws of Victoria, Australia. By accessing this Anything Finance Pty Ltd website or any of its related publications, in whatever form, you consent to the absolute jurisdiction of the courts of Victoria to determine any matter or dispute which arises under the Conditions.

Disclaimers

Disclaimer - Finance

The advice provided on this website is general advice only. It has been prepared without taking into account your objectives, financial situation or needs. All statements made on this website are made in good faith and we believe they are accurate and reliable. Anything Finance Pty Ltd and its subsidiaries disclaim all and any guarantees, undertakings and warranties, expressed or implied, and shall not be liable for any loss or damage whatsoever (including human or computer error, negligent or otherwise, or incidental or consequential loss or damage) arising out of or in connection with any use or reliance on the information or advice on this site.

Before acting on this advice you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. Where any product(s) is/are detailed on this website, you should obtain a Product Disclosure Statement relating to the product(s), consider its contents and obtain professional advice before making any decisions. The information on this website is not a substitute for financial advice. Past performance is not indicative of future performance.

Disclaimer – General

All statements made on this website are made in good faith and we believe they are accurate and reliable. Anything Finance Pty Ltd and its subsidiaries do not give any undertakings or warranties as to the accuracy, reliability or completeness of information that is contained in this website, except in so far as any liability under statute cannot be excluded.

Anything Finance Pty Ltd, the director, employees and their representatives do not accept any liability for any error or omission on this website or for any resulting loss or damage suffered by the recipient or any other person. The user must accept sole responsibility associated with the use of the material on this site, irrespective of the purpose for which it is used or applied.

Disclaimer – Taxation and legal

All statements made on this website are made in good faith. The information shown is general information only; it has been prepared without taking into consideration your personal objectives, financial situation or needs. The user should consider its appropriateness having regard to their personal circumstances before acting on content therein. Any taxation or legal positions described are general statements only and should be used as a guide. It does not constitute taxation, legal or any other professional advice and is based on current laws and our interpretation. Your individual situation may differ and you should consult independent professional advice.

Anything Finance Pty Ltd, the director, employees and representatives disclaim all and any guarantees, undertakings and warranties, expressed or implied, and shall not be liable for any loss or damage whatsoever (including human or computer error, negligent or otherwise, or incidental or consequential loss or damage) arising out of or in connection with any use or reliance on the information or advice on this site. From time to time laws may change and this may affect the accuracy of the content. The user must accept sole responsibility associated with the use of the material on this site, irrespective of the purpose for which it is used or applied.

Disclaimer – Professional advice

The information published on this website is general information only; it has been prepared without taking into consideration your personal objectives, financial situation or needs. The user should consider its appropriateness having regard to their personal circumstances before acting on content therein. Any financial, taxation, legal or other professional positions described are general statements only and should not be used a substitute for seeking professional advice. Your individual situation may differ and you should consult independent professional advice before acting on any information published on this website.

Director’s Disclosure

The Director of the Anything Finance Group of Companies (“Anything Finance Group”) at any time during or since the end of the previous year is:

Ropere Rapata

Anything Finance Pty Ltd

The principal activities of the Anything Finance during the course of the financial year were to provide credit assistance to consumers and commercial borrowers seeking to obtain finance for, personal loans, car loans as well as insurance for vehicles financed through provision of credit assistance. The significant changes in the operations or nature of the activities for Anything Finance Pty Ltd during the financial year has been mandatory directions of the Queensland State Government in response to the Covid-19 pandemic. This has altered operations as employees have been required to work from home. This has not significantly affected dealings with customers and suppliers.

Director’s Interest

The Director of the Anything Finance Group wishes to disclose the following financial and personal interests;

Directorships and Majority Shareholdings in the Anything Finance Group

The Director owns a majority or equal (depending on entity) shareholding or holds directorship of the following unlisted companies as at 10 August 2021:

Dispute resolution and complaints

We hope that you are delighted with our services! But we also recognize that sometimes things don’t always go the way they are supposed to. We have an internal dispute resolution which you should try first:

Dispute Resolution Officer

• Anything Finance Pty Ltd
3308/397 Christine Ave
Varsity Lakes
4227
Queensland

Australia Call: 1300 511 849

You can also send an e-mail to support@anythingfinance.com.au

If you are not happy with our response, then you can contact

Australian Financial Complaints Authority Limited (AFCA)

Case Management Team
C/- Australian Financial Complaints
Authority Limitied (AFCA)
GPO Box 3
MELBOURNE VIC 3001
Call: 131 450, or Fax: 03 9613 6399