This statement explains how we, Emanucci Investments Pty Ltd ABN 48 641 835 967 Australian Credit Licence 540953 trading as Entrusted Lending Group of 20-40 Meagher Street, Chippendale NSW 2008 (the "Credit Representative" or "") acting on behalf of Independent Finance Group Pty Ltd ABN 79 144 080 026 Australian credit.
licence 389228 trading as Independent Finance Group Pty Ltd of 3 John Street Leichhardt LEICHHARDT NSW 2040 (the "Licensee" or "IFG") and; United Financial Services Pty Limited ABN 77 072 442 445 Australian credit licence 386927 of 703/16-18 WentworthStreet PARRAMATTA NSW 2150 (the "Aggregator" or "UFS") (together the āRecipientsā) collect, use and disclose personal information. It applies to persons who apply to for the credit assistance services we provide. When you sign below, you agree we can collect, hold, use and exchange personal information about you for these purposes. Your personal information will not be disclosed other than as set out in this Consent, unless we have your permission or we are permitted or required to do so by law.
What is Personal Information?
āPersonal Informationā is information or an opinion about an identifiable person or a person who is reasonably identifiable. Common examples are an individual's name, signature, address, telephone number, date of birth and bank account details. The Personal Information we may collect includes your personal information, contact information and credit information such as your credit history (including information about your past experiences with us and credit providers, the kinds of credit products you have had or sought, how you have managed your obligations, information contained in a credit report about you, and information about your credit worthiness based on a credit report about you.
Collection of Personal Information
We collect personal information from a variety of sources. We collect personal information from you when we provide our services to you.
Collection from other sources
Our current Credit Reporting Body ('CRB') is Equifax and you can contact them by telephone on 1300 762 207 or email at subscriberassist.au@equifax.com.
We may also collect Personal Information about you from your employers, landlords or other relevant bodies such as finance companies and banks.
Collection of Personal Information about others
If you provide information to us about third parties, such as any guarantors or family members, you agree to notify them of that fact and the information in this Privacy Statement and Consent Form.
Collection under the law
We are also required by the National Consumer Credit Protection Act 2009 to collect personal information about you to learn about and verify your financial situation. For those purposes, we may disclose personal information to a CRB.
Purposes for which we collect information
- assess and verify your identity and your financial situation;
- assess the suitability of any person as a guarantor;
- provide Personal Information about you to a guarantor / applicant, or prospective guarantor / applicant;
- exchange your Personal Information with a CRB on your behalf;
- disclose your Personal Information to one or more credit provider(s) set out in the Schedule to arrange consumer credit or commercial credit;
- disclose your Personal Information to an insurer(s) to arrange any insurance you wish to obtain; and
- obtain from, and disclose to, another third party such as your employer, information about you that is reasonably necessary to arrange for finance
and / or insurance.- If we cannot collect and use your Personal Information, or are unable to verify your identity, we may be unable to process the credit application.
Disclosure of your Personal Information
We may disclose and exchange your Personal Information with credit providers, potential credit providers and the issuers of any insurance products who are the subject of an application. We may also disclose personal information to others to verify that it is correct (for example an employer), our related bodies corporate, assignees, agents, contractors and external advisers; organisations for verifying your identity; your agents, advisers, guardians or attorneys; law enforcement, regulatory and government bodies; anyone who introduces you to us; any person we consider necessary to execute your instructions; guarantors and persons with whom you make a joint application; any financial institution to or from which a payment is made in relation to your application; and debt collection agencies.
We will not disclose your Personal Information, including your credit information, to overseas recipients.
Your right to access and correct your Personal Information
Our Privacy Policy contains information about your rights to access your Personal Information and seek correction of such information. Our Privacy Policy also contains information about how you may complain about a breach of the Australian Privacy Principles. To access and seek correction of your Personal Information, or make a complaint about privacy, you can contact us at:
Privacy Manager: Damien Barfucci
Email: Admin@entrustedlending.com.au
Phone: 1300 311 176
Marketing
We, our related companies and our selected business partners would like to provide you, or the company of which you are a director, with direct marketing information about the products and services we believe you will be interested in. You can opt-out of receiving direct marketing communications from us at any time.
Electronic communications
If you provide us with an email address or mobile phone number, you consent to us using these electronic addresses to send you all communications which can be lawfully provided electronically. Electronic addresses must be regularly checked for notices or other communications from us. You also consent to us using these details to send, or make available to you to access, notices and documents - for example, a credit guide from credit provider(s) or a financial services guide and product disclosure statement from any insurer. You are responsible for ensuring that you maintain the appropriate software and hardware, to access, view, retrieve, print and save a copy of such documents. We will no longer provide you with a hard-copy (i.e. electronic documents in paper form) unless we are legally obliged to do so. You must ensure that your email does not block our notices and communications. You must also ensure that your email address or mobile phone number remains current and we rely on you to notify us of any changes in those contact details. You should nominate an email address or mobile phone number which is only accessible by you, rather than, for example, one which is accessible by your work colleagues or family members. Your consent to electronic communication may be withdrawn at any time by notifying us via phone on 1300 311 176
ACKNOWLEDGMENT
By signing below, as Applicant, I acknowledge and
- declare that I have read and understood this Privacy Statement and Consent;
- consent to the collection, use and disclosure of my Personal Information in accordance with this Privacy Statement and Consent, including the
disclosure of my Personal Information to credit reporting bodies; and- declare that, where I have provided Personal Information about another individual, I have the authority of that individual and they have been made
aware of that fact and I have provided them with a copy of this Privacy Statement and Consent.
CREDIT QUOTE
This document is a quote and provides information about the fees you have agreed to pay us, the licensee, for our services.
Our Full Name:
Emanucci Investments Pty Ltd Trading as Entrusted Lending Group
Address: 3/55 Pyrmont Bridge Road, Pyrmont NSW 2009
Admin@entrustedlending.com.au
Phone: 1300 311 176
ABN: 48 641 835 967
Services to Be Provided
We assist our customers to obtain loan finance by identifying suitable loan products with a credit provider on our panel of financiers. In some cases, we may suggest or assist with an increase of an existing loan.
Our Fees
The maximum amount that will be payable by you to us in relation to the credit assistance and other services we provide to you is $990.00.
This amount includes the following components:
Scope of Services to be Provided
Services to be provided: We will do our best to arrange the most appropriate finance to meet your needs.
The maximum fee or charges for provision of Credit Assistance is:
If we successfully obtain the finance you require, you must pay us a Dealer Origination Fee (DOF) for our services when the finance settles. This is typically $990 but can be up to 4% of the loan amount. This fee is included in the loan amount and is not payable if the finance application does not proceed to settlement.
SCHEDULE OF CREDIT PROVIDERS
Acknowledgement and Agreement
I acknowledge that I have read and fully understand the contents of this document. I understand that the fee will be included in the loan amount unless I have instructed otherwise.I further acknowledge and consent to receive this Quote and any additional disclosure documents such as a Credit Guide and/or a Credit Proposal by electronic communication means. This consent is given on the understanding that paper disclosure documents may no longer be given to me and that I must regularly check electronic communications for such documents. I also understand that I may withdraw consent to receive these disclosure documents at any time by contacting you by using the contact details you have provided above.
