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Privacy Policy

Jag Finance Privacy Policy

Overview

Ren Finance Pty Ltd ABN 93 618 174 806 trading as Jag Finance Consultants, ACL 538180 (‘we’, ‘us’, ‘our’) collects information about you for the purposes you agree to in this Privacy Disclosure Statement and Consent. You agree we can, consistently with Australia’s privacy and credit reporting laws, collect, use and exchange credit and personal information about you for those purposes.

Privacy Disclosure Statement and Consent

We are collecting credit and personal information (Information) about you, as applicable:
  • To source for you, or a company of which you are a director:
  • Consumer credit for personal, household, domestic or residential investment purposes;
  • Commercial credit for business purposes; or
  • Other services stated in this Privacy Disclosure Statement and Consent (Consent); or
  • To support a guarantor application you will provide.As your broker, we require the information we collect from You to assess your credit, or guarantor, application or the Credit application of a company of which you are a director, Source a suitable credit provider and any required insurances and to manage the application process, where required. If you do not provide the information sought we may be unable to process your application, or the company’s application, or we may be limited in the other services we can offer you or the company.
Your information – Collection and Credit Reporting Body (‘CRB’) Disclosures
When we collect information from you in the credit application Process, we use that information in a number of ways to Assess your credit application and to source a suitable credit Provider or lessor and/or insurance provider. We may:
  • Disclose your identification information to a CRB if you Wish us to obtain a report on your behalf; Use any information the CRB provides in that report to Assist us to preliminarily assess your consumer credit or Guarantor application Disclose your personal information to an insurer or insurers to source any insurances you wish to obtain Disclose your credit information to a credit provider or Credit providers to apply for finance on your behalf
The information we obtain from you is used, subject to compliance with Australia’s privacy and credit reporting laws, only for the purposes listed in this Consent and is not disclosed to any other person except with your permission or as permitted, or required, by law.

Credit Providers

As part of providing our services to you, we may undertake Tasks for a credit provider which are reasonably necessary to Manage the application process. When doing so, we are acting As agent for the credit provider, with the same privacy law Requirements applying to both of us. We may submit your application to one or more credit providers. Those credit providers and their website addresses can be available upon written request via Contact Us A credit provider, to whom we submit an application, may disclose information about you to, and collect information about you from, from one or more CRBs. The website of each credit provider contains details of each CRB with which it deals and other detail about information held about you and describes your key rights. This detail may be described on the credit providers’ websites as ‘notifiable matters’, ‘privacy policy’, ‘credit reporting policy’ or ‘privacy disclosure statement and consent’, and includes –
  • That the CRB may include information the credit provider discloses about you to other credit providers to assess your credit worthiness
  • That, if you become overdue in making consumer credit payments or you commit a serious credit infringement, the credit provider may disclose that information to a CRB
  • How you can obtain the credit provider’s and/or CRB’s
  • Policies about managing your credit information
  • Your right to access and/or correct information held about you and to complain about conduct that may breach the privacy and credit reporting laws
  • Your right to request a CRB not to undertake pre- screening for purposes of direct marketing by a credit provider
  • Your right to request a CRB not to release information about you if you believe you are a victim of fraud
This detail will also be included by the credit provider who approves your application in the privacy disclosure statement and consent document it will provide to you. Each credit provider website includes information on how to contact the credit provider and how to obtain a copy of its privacy documents in a form that suits you (e.g. hardcopy or email).

Your rights

You have the right to ask:
  • Us to provide you with all the information we hold about you
  • Us to correct the information we hold if it is incorrect
  • Us for copies of our privacy policy and this document, in a Form that suits you (e.g. hardcopy or email)
  • The CRB not to use your information for direct marketing assessment purposes, including pre-screening
  • The CRB to provide you with a copy of the information it holds about you
You can gain access to the information we hold about you by contacting our “Privacy Officer” JagMohan Singh at the address above or by telephone on 039586 8001. “In some cases an administration fee may be charged to cover the cost of providing the information.”]

Disclosure and Consent

When you will be using our services, you agree we may use your personal and credit information:
  • To assess your consumer or commercial credit and/or guarantee application and/or to assess a credit application by a company of which you are a director
  • To source any finances you required
  • To source any insurances you require
  • As the law authorizes or requires;
  • Disclose to, and obtain from, any prospective credit Provider or insurer, information about you that is Reasonably necessary to obtain the finance and insurances You require;
  • Obtain from, and disclose to, any third party, information about you, the applicant(s) or guarantor(s) that is Reasonably necessary to assist you obtain the finance and insurances required;
  • Provide your information, including your credit report(s), to one or more of the credit providers specified in the Schedule of Credit Providers so they can assess your application, or the application of a company of which you are a director, or your suitability as a guarantor
  • Provide credit information about you to a guarantor, or prospective guarantor;
  • Provide you, or the company of which you are a director, with offers or information of other goods or services we, or any of our associated entities, may be able to provide to you or the company, unless you tell us not to;
  • Disclose your personal and credit information to the extent permitted by law to other organizations that provide us with services, such as contractors, agents, printers, mail houses, lawyers, document custodians, securitizes and computer systems consultants or providers, so they can perform those services for us. ; And Disclose your personal information to any other Organization that may wish to acquire, or has acquired, an interest in our business or any rights under your contract with us, or the contract with us of a company of which you are a director.
  • You also agree and consent to, as appropriate:
  • A CRB disclosing consumer credit information to one Or more credit providers specified in the Schedule of Credit Providers below for the purpose of assessing your application for consumer or commercial credit or your guarantor application, and/or assessing a credit application by a company of which you are a director When you are a prospective guarantor, a credit provider using that information to assess your suitability as a guarantor
  • A credit provider disclosing your credit information (including information obtained by it from a CRB) to a guarantor, or a prospective guarantor
  • A credit provider disclosing to another credit provider, for a particular purpose, information it holds about you Where the applicant, or guarantor, is a company of which you are a director, you consent to the use of your information, in addition to the company’s information, in each of the ways listed above.

Authorization

By sending the information through this website, you are consenting that you are happy with us to assess your information and make the reasonable enquires which will assist us in providing our services to you. In some instances, we may get a verbal privacy consent from you to assess your current circumstances and your application.

Jag Finance Consultants

ABN 93 618 174 806

Level 1, Suite 110/1510 Pascoe Vale Rd, Coolaroo VIC 3048
Ph. No. 0425458511, 03 9324 7971

Email: info@jagfinance.com.au

PRIVACY DISCLOSURE STATEMENT & CONSENT

Overview

Ren Finance Pty Ltd ABN 93 618 174 806 trading as Jag Finance Consultants, Australian Credit License Number 538180 (‘we’, ‘us’, ‘our’) collects information about you for the purposes you agree to in this Privacy Disclosure Statement and Consent. When you sign this privacy, you agree we can, consistently with Australia’s privacy and credit reporting laws, collect, use and exchange credit and personal information about you for those purposes.

Privacy Disclosure Statement and Consent

We are collecting credit and personal information (information) about you, as applicable:

  • To source for you, or a company of which you are a director:
    • Consumer credit for personal, household, domestic or residential investment purposes;
    • Commercial credit for business purposes; or
    • Other services stated in this Privacy Disclosure Statement and Consent (Consent); or
  • To support a guarantor application, you will provide. As your broker, we require the information we collect from you to assess your credit or guarantor application, or the credit application of a company of which you are a director, source a suitable credit provider and any required insurances and to manage the application process where required. If you do not provide the information sought, we may be unable to process your application, or the company’s application, or we may be limited in the other services we can offer you or the company.

Your information – Collection and Credit Reporting Body (‘CRB’) Disclosures

When we collect information from you during the credit application process, we use it in several ways to assess your application and to source a suitable credit provider, lessor, and/or insurance provider. We may:
Disclose your identification information to a CRB if you

wish us to obtain a report on your behalf. Use any information the CRB provides in that report to assist us in preliminarily assessing your consumer credit or guarantee of application
Disclose your personal information to an insurer or

insurers to source any insurance you wish to obtain Disclose your credit information to a credit provider or

credit providers to apply for finance on your behalf

 

The information we obtain from you is used, subject to compliance with Australia’s privacy and credit reporting laws, only for the purposes listed in this Consent and is not disclosed to any other person except with your permission or as permitted, required, or allowed by law.

Credit Providers

As part of providing our services to you, we may undertake tasks for a credit provider that are reasonably necessary to manage the application process. When doing so, we act as agents for the credit provider, with the same privacy law requirements applying to both of us.

 

We may submit your application to one or more credit providers. Those credit providers and their website addresses are set out in the Schedule at the end of this document.

 

A credit provider, to whom we apply, may disclose information about you to, and collect information about you from, one or more CRBs.

 

The website of each credit provider contains details of each CRB with which it deals, and other details about information held about you, and describes your key rights. This detail may be described on the credit providers’ websites as ‘notifiable matters’, ‘privacy policy’, ‘credit reporting policy’ or ‘privacy disclosure statement and consent’, and includes –

  • The CRB may include information that the credit provider discloses about you to other credit providers to assess your creditworthiness
  • That, if you become overdue in making consumer credit payments or commit a serious credit infringement, the credit provider may disclose that information to a CRB. How can you obtain the credit provider’s and/or CRB’s policies about managing your credit information?
  • Your right to access and/or correct information holds you, and to complain about conduct that may breach the privacy and credit reporting laws
  • Your right to request a CRB not to undertake prescreening for purposes of direct marketing by a credit provider
  • Your right to request that a CRB not release information about you if you believe you are a victim of fraud

 

This detail will also be included in the privacy disclosure statement and consent document that the credit provider who approves your application provides to you.

 

Each credit provider’s website includes information on how to contact the provider and obtain a copy of its private documents in a format that suits you (e.g., hard copy or email).

Your rights

You have the right to ask:

Us to provide you with all the information we hold about you.

Us to correct the information we hold if it is incorrect Us for copies of our privacy policy and this document, in a form that suits you (e.g. hard copy or email)

The CRB is not to use your information for direct marketing assessment purposes, including pre-screening

The CRB provides you with a copy of the information it holds about you

 

You can gain access to the information we hold about you by contacting our “Privacy Officer “, Jag Singh, at the details given above or by telephone on 03 9324 7971, 0425458511 or by email at jag@jagfinance.com.au. In some cases, an administration fee may be charged to cover the cost of providing the information.

Disclosure and Consent

By signing below, you agree we may:

  • Use your personal and credit information:
    • To assess your consumer or commercial credit and/or guarantee application, and/or to assess a credit application by a company of which you are a director
    • To source any finances, you require
    • To source any insurance, you require
    • As the law authorises or requires.

Disclose to, and obtain from, any prospective credit provider or insurer, information about you that is reasonably necessary to obtain the finance and insurance you require.

Obtain from, and disclose to, any third party, information about you, the applicant(s) or guarantor(s) that is reasonably necessary to assist you in obtaining the finance and insurance required.

Provide your information, including your credit report(s), to one or more of the credit providers specified in the Schedule of Credit Providers below and to any lender or referral partner we deal with so they can assess your application, or the application of a company of which you are a director, or your suitability as a guarantor

Provide credit information about you to a guarantor or a prospective guarantor.

Provide you, or the company of which you are a director, With offers or information of other goods or services, we, or any of our associated entities, may be able to provide you or the company, unless you tell us not to;

Disclose your personal information to any other organisation that may wish to acquire, or has acquired, an interest in our business or any rights under your contract with us, or the contract with us of a company for which you are a director.

 

You also agree and consent to, as appropriate:
A CRB disclosing consumer credit information to one or more credit providers specified in the Schedule of Credit Providers below for the purpose of assessing yourapplication for consumer or commercial credit or your guarantor application, and/or assessing a credit application by a company of which you are a director When you are a prospective guarantor, a credit provider using that information to assess your suitability as a guarantor

A credit provider disclosing your credit information (including information obtained by it from a CRB) to a guarantor, or a prospective guarantor

A credit provider disclosing to another credit provider, for a particular purpose, information it holds about you

 

Where the applicant, or guarantor, is a company of which you are a director, you consent to the use of your information, in addition to the company’s information, in each of the ways listed above.

 

Receiving information electronically: – By signing below, I/we consent to receiving credit information documents, loan documents, loan statements, and payout letters electronically to sign and agree that paper documents may no longer be available.
Electronic ID Verification:- By signing below, I/we consent to the electronic verification of the ID documents.

 

Authorisation
By signing below, you also authorise and give us consent to make a request on your behalf to obtain credit reporting information about your consumer and commercial creditworthiness from a CRB, and Loan statements, Payout letter, signed loan documents, and Amortization schedules from the financiers, to be sent to our email. That information will assist us in providing our services to you. This authorisation ceases when you send us a written request to revoke this authority.

PRIVACY DISCLOSURE STATEMENT & CONSENT

Name of Credit Provider Website
Angle Finance www.anglefinance.com.au
Azora Finance www.azorafinance.com
ANZ www.anz.com.au
Bank of Queensland www.boq.com.au
BIZCAP www.bizcap.com.au
Commonwealth Bank www.commbank.com.au
Capital Finance www.capitalfinance.com.au
Commercial Equity Group www.commercialequity.com.au
Drive Finance Solutions/Group & General Finance www.drivefinance.com.au
Dynamoney www.dynamoney.com
De Lage Landen Pty Ltd / DLL www.dllgroup.com
Daimler Trucks Financial Services www.daimlertruck.com
Earlypay Ltd www.earlypay.com.au
Firstmac Asset Funding Pty Ltd www.firstmac.com.au
Flexicommercial Pty Ltd www.flexicommercial.com.au
Finance One Commercial Pty Ltd www.financeone.com.au
Group & General Finance www.groupandgeneral.com
Judo Bank www.judo.bank
Leasewise Australia www.leasewise.com.au
Liberty www.liberty.com.au
La trobe Financial www.latrobefinancial.com.au
Metrics Business Finance Pty Ltd metrics.com.au
Metro Finance www.metrofin.com.au
Moneytech www.moneytech.com.au
Moula Money Pty Ltd www.moula.com.au
Multipli www.multipli.com
Maple Asset Finance Pty Ltd www.maplecommercial.com.au
National Australia Bank Limited www.nab.com.au
On Deck Capital Australia Pty Ltd www.ondeck.com.au
ORIX Australia Corporation Limited www.orix.com.au
Paccar Financial Pty Ltd www.kenworth.com.au/privacy-policy
Pepper Asset Finance www.pepper.com.au
Prospa www.prospa.com
Resimac Asset Finance www.resimacassetfinance.com.au
ScotPac www.scottishpacific.com.
SHIFT Financial www.shift.com.au
SelfCo Leasing www.selfco.com.au
Truepillars www.truepillars.com
Volkswagen Financial Services Australia Pty Ltd www.vwfs.com.au
Volvo Financial Services www.volvofinance.com.au
Westlawn Finance Ltd www.westlawn.com.au
Westpac www.westpac.com.au
Partners Strip