This Privacy and Credit Reporting Policy applies to GETOTA Pty Ltd ABN: 18 156 505 190 Trading as Your Choice Rentals (Australian Credit Licence 517147) PO Box 494, Ulverstone, TAS 7315.

Protecting your Privacy.

We are committed to protecting and maintaining the privacy, accuracy and security of your personal information. We will comply with the Australian Privacy Principles (“APPs”) in the Privacy Act (Cth) 1988 (“Privacy Act”), the Privacy Act, and, when applicable, the Credit Reporting Privacy Code (“CR Code”).

Words defined in the Privacy Act, the APPs and the CR Code have the same meaning we used in this policy. Our credit reporting policy includes details of the credit reporting bodies to which we are likely to disclose your credit information. It also includes information about your rights in relation to credit reporting information, including access and correction, and what can happen if we provide information about you to a credit reporting body. All terms and conditions including our credit reporting policy will be provided to you at the time of entering into an agreement with us. If you require a hard copy of this Policy prior to entering into an agreement with us please contact The Privacy Officer on 0429 828 767 or rick@yourchoicerentals.com.au.

Important Information

In order to assess your rental application, you will need to supply:

Personal and identification information including:

1. Your name, date of birth and marital status
2. Drivers licence or passport details
3. Contact details
4. Business Details if you are applying as a business

Residential address information including:

1. Residential address and phone number
2. Landlord or mortgage details including address and phone number
3. Previous address details if you have lived in the current residence for less than 2 years

Income details, expenses and other financial commitments including:

1. Income/ Benefits details
2. Employers address and contact details if applicable
3. Referees who can personally vouch for you
4. Previous employer details if you have been in your current job for less than 2 years
5. 90 Days bank statements
6. Centrelink Income Statement

If there is a second applicant, you will also need their information as stated above.

Personal information that we collect and hold

We may collect personal information about you such as:

• your name, your photo, current address details, previous address details, and landlord or mortgage details including address and phone number;
• date of birth, gender, and marital status;
• government identifiers such as driver licence number and passport details;
• email address and telephone/mobile numbers;
• financial information (including credit history), bank account and/or credit card details, and personal references;
• current and previous place of employment, position within the current and previous place of employment, employer’s address and contact details, previous employer details, and business details (if you are applying as a business); and
• sensitive information about you in relation to insurance products or if you are seeking assistance with financial hardship. We collect information about your accounts and transactions with us. We may also collect information when you use our websites. Please refer to the Websites section of this policy for further details. If there is another applicant named in a credit application, you may need to provide their personal information, and you warrant that the other applicant has consented to the collection of their personal information for the reasons it is being collected. We may also collect credit-related information in order to assist us in assessing your credit worthiness and provide you with the services or product you have requested from us. Credit-related information that we collect about you may include:
  1. identification information about you (which includes your name, date of birth, gender, current and previous 2 addresses, the name of your current employer and your driver’s licence number);
  2. consumer credit liability information about you, including the type and the amount of credit you have applied for, the start and end date of relevant credit;
  3. repayment history information such as information concerning whether you owe any payments to a credit provider that are overdue by 60 days;
  4. a statement that an information request has been made in relation to you by a credit provider, mortgage insurer or trade insurer;
  5. the type of consumer credit or commercial credit and amount of credit sought in an application to a credit provider and in connection with which the credit provider has made an information request;
  6. default information concerning a payment owed by you as a borrower or your guarantor in connection with consumer credit that remains overdue for more than 60 days;
  7. payment information about you. This may be in the form of a statement that an overdue payment in relation to which default information was provided to a CRB (Credit Reporting Bureau) has been paid;
  8. new arrangement information about you. This a is a notation added to your credit default indicating that the terms and conditions around the repayment of the amount due has been varied;
  9. court proceedings information such as a judgment or order made against you;
  10. personal insolvency information about you. This is information relating to whether you are a bankrupt or subject to a debt agreement proposal or a debt agreement or a personal insolvency agreement executed by you;

11. publicly available information as to your credit worthiness other than court proceedings or insolvency information about you; or
12. an opinion by a credit provider that you have committed a serious credit infringement in relation to consumer credit provided by the credit provider to you.

If we obtain credit-related information about you from a CRB, we may derive information from it that has a bearing on your credit worthiness or could be used in establishing your eligibility for consumer credit. This may include information such as credit scores and assessments which we generate from the information that we receive.

If there is another applicant named in a credit application, you may need to provide their personal information, and you warrant that the other applicant has consented to the collection of their personal information and has authorised you to provide it for the purposes for which it is being collected.

We may also collect some information that is not personal information because it does not identify you or anyone else.

How we collect personal information

We collect personal information in a variety of ways. Mainly we will collect information from you when you knowingly provide it to us by telephone, in person or in documentation such as an application form (which may be an online application). We also collect information when you make a request or enquiry of us.

We may also collect personal information from publicly available sources or third parties, such as a referee provided by you, a credit reporting body or other credit provider, an insurer of your property, or a person selling your debt to us or engaging us to collect the debt.

Why we collect, hold, use and disclose personal information

We collect, hold, use and disclose personal information about individuals when it is necessary for us to carry on our business functions or to comply with laws.

Importantly, in some circumstances if you do not provide the information that we request, we may not be able to provide our services to you or provide them to the same standard.

We may collect, hold, use and disclose your personal information to answer your enquiry and/or provide the information or service that you requested.

We may also collect, hold, use and disclose your personal information:

• to enable us to develop, administer and manage our services and businesses;
• to customise services to better meet your needs and preferences;
• to assess your application and manage your agreement with us;
• to compile a customer profile about you to serve you better;
• to engage a credit reporting body to conduct a credit and reference check;
• to assess your creditworthiness;
• for billing purposes and collection of debts;
• statistical purposes;
• future promotional and marketing purposes including direct marketing purposes;
• to inform you of special offers, promotions and competitions;
• for research purposes to better improve our websites, products or services;
• any other customer support purposes;
• to notify credit providers of a default by you of your agreement with us;
• to advise credit providers of the status of your agreement with us, in circumstances where you are in default with credit providers;

• to deal with complaints;
• to enforce our rights when you are in breach; and
• when authorised or required by law. These laws include:
  1. the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth), which requires us to collect personal information about you when verifying your identity;
  2. the National Consumer Credit Protection Act 2009 (Cth), which requires us to make inquiries about you when assessing an application for credit by you; and
  3. the Personal Property Securities Act 2009 (Cth), under which we may need to collect personal information about you to record a security interest on the Personal Property Securities Register.
  When we may disclose your personal information to third parties

• In the course of conducting our business we may provide your personal information to:
• related companies of ours;
• distributors and introducers of our products and services;
• credit reporting bodies;
• other credit providers and insurers;
• service providers including mail-houses, printers, call centres, marketing companies, and technology providers;
• government bodies;
• persons who act as your guarantor or who provide security for credit to you;
• debt collectors and assignees of your debts;
• a recognised external dispute resolution scheme of which we are a member; and
• our professional advisors, including our lawyers, auditors and accountants. We may disclose your personal information to third parties:
  • to meet the purpose for which it was submitted;
  • if we have your consent to do so or otherwise when we are authorised by law;
  • if we are required by law to disclose the information. Overseas recipients We are unlikely to disclose personal information about you to overseas recipients. Please be aware that overseas recipients are not required to take reasonable steps to ensure that they do not breach the Australian Privacy Principles. Security All personal information held by us will be handled and stored in accordance with our obligations under the Privacy Act. We will take reasonable steps to:
  • make sure that the personal information we collect, use or disclose is accurate, complete and up to date;
  • protect the information from misuse, interference, loss or unauthorized access, modification or disclosure both physically and through computer security methods; and
  • destroy or permanently de-identify the information if it is no longer needed for any purpose.

Disclosing credit information to a Credit Reporting Body (CRB)

We may disclose credit information about you to a CRB.

Your consent

By asking us to assist with your consumer leasing needs, you consent to the collection and use of the information you have provided to us for the purposes described in this Credit Reporting Policy.

The CRBs that we are likely to disclose your credit information to include:

Equifax

Website: https://www.equifax.com.au/personal/resolution-centre Post: Equifax – Public Access
Equifax Australia Information Services and Solutions Pty Limited GPO Box 964

NORTH SYDNEY NSW 2059 Phone: 13 83 32

illion

Website: https://www.illion.com.au/ Post: illion Australia
PO Box 7405, St Kilda Rd Melbourne VIC 3004

Phone: 13 23 33

If we disclose your credit information to a CRB:

• the CRB may include the information in reports provided to credit providers to assist them to assess your credit worthiness; and
• if you fail to meet your payment obligations in relation to consumer credit or commit a serious credit infringement, we may be entitled to disclose this to the CRB. Each CRB has a policy about the management of credit-related information. You can get a copy of the relevant CRB’s policy by contacting the CRB using its contact details above. Your rights under the Privacy Act in relation to credit-related information

You are entitled to:

• opt out of direct marketing pre screenings: CRBs often use credit information to assist credit providers to market their products and services. If you do not want the CRB to use your credit information in this manner, the Privacy Act gives you the right to request you be excluded from being contacted;
• request non-disclosure where you believe you have been, or are likely, a victim of fraud: if you believe that you are a victim of fraud, or are likely to be a victim of fraud, then you are entitled, under the Privacy Act, to request that the CRB not use or disclose any of your credit information;
• obtain the CRB’s policy about the management of credit-related information by contacting the CRB. See contact details above;
• access credit-related information that we hold about you from us, to request us to correct the information, and to make a complaint to us;
• request a CRB not to use credit-related information about you for the purposes of pre-screening of direct marketing by a credit provider; and
• request the CRB not to use or disclose credit-related information about you if you believe on reasonable grounds that you have been or are likely to be a victim of fraud.

Security

All personal information held by us will be handled and stored in accordance with our obligations under the Privacy Act.

We will take reasonable steps to:

• make sure that the personal information we collect, use or disclose is accurate, complete and up to date;
• protect the information from misuse, interference, loss or unauthorised access, modification or disclosure; and
• destroy or permanently de-identify the information if it is no longer needed for any purpose. The personal information we hold about you will be protected using physical, electronic and procedural safeguards. Where your information has been disclosed by us to a third party service provider located in Australia, we require those service providers to adhere to the relevant standards of security and confidentiality required under the Privacy Act to ensure that your personal information is protected at all times. As our website is linked to the internet, and the internet is inherently insecure, we cannot provide any assurance regarding the security of transmission of information you communicate to us online. We also cannot guarantee that the information you supply will not be intercepted while being transmitted over the internet. Accordingly, any personal information or other information which you transmit to us online is transmitted at your own risk. Websites We have several websites, including websites which allow you to apply for credit (all referred to as the “Website” in this policy). When you visit the Website, we or agencies on our behalf and our internet service provider may monitor and make a record of your visit and log the following “clickstream data” for statistical purposes:

• your server’s IP address;
• your top-level domain name (for example .com, .gov, .au, .co etc);
• the pages you accessed, and any documents downloaded;
• the previous site you have visited and the site you move to;
• the type of browser and operating system you are using; and
• the date and time of your visit. For example, this information may be used to find out how the Website is used and navigated, including the number of hits, the frequency and duration of visits and most popular session times, so that we may evaluate and improve our Website’s performance. The Website may use cookies to provide a customized online experience. A cookie is a message given to a web browser by a web server. The browser stores the message in a text file called cookie. txt. The message is then sent back to the server each time the browser requests a page from the server. Cookies are placed on your computer for the duration of a session and are used for session management purposes and do not contain any personal details. Periodically they can safely be deleted with no effect on future sessions. If you have configured your browser to reject all cookies, you will be able to view information-only pages on the Website. When you are on the Website you could be directed to other sites that are beyond our control. These other sites may send their own cookies to users, collect data or solicit personally identifiable information. This privacy policy is strictly limited to the collection, storage and use of personally identifiable information collected from our customers, in the course of our businesses, and does not apply to any third parties. We have no control over the privacy practices or the content of any third-party websites and assume no liability for the privacy practices of these websites. You should therefore check the individual privacy policy of any third party when accessing other websites that may be linked to the Website.

How to access and amend personal information

On request from you we will provide details of the personal information we hold about you. The release of information is subject to some exceptions such as information relating to existing or any anticipated legal proceedings, together with exceptions provided by the Privacy Act.

Unless unusual circumstances apply, we should provide access to you within 30 days of the request. We reserve the right to charge a fee for providing access to your information when permitted by law.

To protect your personal information, the request to us must be in writing and can be sent by email or mail. All correspondence should be addressed to:

Mail: Phone: Email:

The Privacy Officer, Your Choice Rentals, PO Box 494, Ulverstone, TAS 7315. 0429 828 767
rick@yourchoicerentals.com.au

Our objective is to respond to any request within a reasonable timeframe.

We also aim to ensure that your personal information is accurate, up to date and complete. Amendment of personal information will be conducted upon written or verbal request from you. You can contact us on Phone: 0429 828 767 or write to The Privacy Officer to do this.

Privacy Complaints

We are committed to the protection of your privacy and personal information. Complaints you may have about your personal information can be lodged with the Privacy Officer using the contact details below:

If you have any questions or concerns about our collection, use or disclosure of personal information, or if you believe that we have not complied with this privacy policy or the Privacy Act, please contact us first by using the contact details as set out below:

The Privacy Officer: Your Choice Rentals, PO Box 494, Ulverstone, TAS 7315. Phone: 0429 828 767
Email: rick@yourchoicerentals.com.au

We will acknowledge your complaint as soon as we can after receipt of your complaint and we will make every effort to resolve your complaint internally within five (5) business days, some complaints may take longer to resolve. If your complaint is taking longer, we will let you know what is happening and a date by which you can reasonably expect a response. When contacting us, please provide as much detail as possible in relation to your query, issue or complaint.

Under the Privacy Act, if you are not satisfied with our response or how we handled your complaint you may complain to the Office of the Australian Information Commission (in writing). Please note the OAIC requires any complaint must first be made to the respondent organisation. The law also allows 30 days for the respondent organisation to deal with the complaint before a person may make a complaint to the OAIC.

The Commissioner can be contacted at:
Office of the Australian Information Commissioner (OAIC)

1300 363 992
GPO Box 5218, Sydney, NSW 2001

enquiries@oaic.gov.au

www.oaic.gov.au

The Australian Financial Complaints Authority can consider certain privacy complaints relating to either the provision of credit or credit reporting information in general. You can lodge your complaint with:

Australian Financial Complaints Authority

www.afca.org.au
info@afca.org.au
1800 931 678
Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001

Changes to this policy

This policy is subject to change over time without prior notice. We may amend this policy by updating this posting.

Copies of this policy

You can ask us to provide you with a copy of this policy, including a hard copy, by contacting us using the contact details above.

Date published: February 2020