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Privacy Statement & Electronic Communication Consent

1. Preliminary

OurMoneyMarket Holdings Pty Ltd ABN 30 614 872 105 (OMM Holdings), OurMoneyMarket Operations Pty Ltd ABN 43 640 771 535 (OMM Operations), OurMoneyMarket Pty Ltd ACN 616 335 409 (OMM PL), OurMoneyMarket Lending Pty Ltd ABN 64 605 231 669 Australian Credit License Number 488228 trading as ‘Handy Finance Lending’ and ‘Handypay’ (OMM Lending), and OurMoneyMarket Services Pty Ltd ABN 66 614 874 761 Authorised Credit Representative Number 494238 of OMM Lending trading as ‘Handy Finance Services’ (OMM Services) – collectively ‘Handy Finance’– uses, and handles your personal information in accordance with the Privacy Act 1988 (Cth) (Privacy Act), and collects, uses and handles your credit-related information in accordance with Part IIIA of the Privacy Act and the Privacy (Credit Reporting) Code 2014.

Use of the terms you or your means you as an individual or, where you interact with us as a representative of a business, that business. Use of the terms “we”, “our” and “us” means, as relevant, Handy Finance.

To understand how we manage your personal and credit-related information, you may obtain a copy of our Privacy & Credit Reporting Policy from here.

2. Collection and use of your personal information and credit related information 

The personal information we collect may include (but is not limited to):

  • details such as your name, date of birth, driver’s licence and/or passport number, tax file number, marital status, phone number, email address, residential address, nationality, employment history, income, assets, liabilities, repayment history information and financial hardship arrangement information including whether you have made a financial hardship arrangement with us;
  • details of the products and services we have provided to you or that you have enquired about, including any additional information necessary to deliver those products and services and respond to your enquiries;
  • any additional information relating to you that you provide to us directly through our website or other online channels (such as our mobile app) (Website) or indirectly through your use of our website; and
  • any other personal information that may be required in order to facilitate your dealings with us. 

We may also collect credit-related information about you. Credit-related information is a form of personal information that includes information about your credit history or creditworthiness. It includes:

  • information about you or your business’ loan experience with us and other lenders;
  • consumer credit information;
  • commercial credit reports and information;
  • the kinds of credit products you have had or sought;
  • how you have managed your obligations, including such things as your repayment history, arrears you have cleared;
  • information contained in a credit report about you which is obtained by us from a credit reporting body (CRB); and
  • information about your creditworthiness that has been derived by us from such a credit report about you.

Your personal information and credit-related information may be collected, held, and used for the purposes of: 

  • identifying you in accordance with the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and verifying that your information is correct;
  • learning about and verifying your financial situation in accordance with the National Consumer Credit Protection Act 2009 (Cth);
  • providing you an indicative quote for credit or considering and assessing an application for credit;
  • informing you about a product or service that we think may be of interest to you;
  • helping us design and improve our products and services;
  • inviting you to marketing events and webinars;
  • conducting and enhancing our business to add more value to our customers;
  • undertaking securitisation activities and other activities relating to funding and capital requirements;
  • compiling statistical data e.g. credit scoring information;
  • operating, protecting, improving and optimising our Website, services and business (e.g. performing analytics, conducting research for advertising and marketing);
  • considering and handling any concerns or complaints you or any other person may have;
  • protecting our business and our customers from fraudulent or unlawful activity;
  • complying with our legal obligations and resolving any disputes that we may have with any of our customers;
  • corresponding with you and any contractors (if any) in relation to your credit facility with us;
  • managing your credit facility with us and executing your instructions;
  • managing your account and our relationship with you;
  • executing internal processes (including risk management and pricing);
  • collecting overdue payments; and
  • marketing our services and understanding services you may be interested in receiving.

You can ask us not to contact you about products and services and not to disclose your information to others for that purpose by emailing us at [email protected].

We may use your personal information (including information collected from others) to advertise or promote products, services, or business or investment opportunities we think may interest you, including by:

  • contacting you by telephone (notwithstanding registration at any time of your telephone number on the Do Not Call Register) or writing to you; and
  • sending commercial electronic messages to any electronic address which you provide or for which you are responsible (and in that regard, you warrant that you have authority, either as or on behalf of the electronic account holder, to provide this consent and agree that until you withdraw your consent by providing written notice to us or using on unsubscribe facility in the message, we may continue to send commercial electronic messages to those addresses).

If you do not wish us to use your personal information to provide you with information relating to promotional material and opportunities discussed in this paragraph, please contact 1300 990 115 or email [email protected].

3. Disclosure of your personal and credit-related information: General 

We may disclose personal information and credit-related information collected about you in the following circumstances:

  • to other persons (for example, your employers and referees) to verify that it is correct; 
  • to our external service providers and contractors (such as any mail house, the Custodian, commercial agent or entities that help us to verify your identity or identify illegal activities and prevent fraud) on confidential terms;
  • to our employees, related entities, assignees, agents and external advisers;
  • law enforcement, regulatory, government and dispute resolution bodies;
  • to any other person we consider necessary to execute your instructions;
  • to any financial institution to or from which a payment is made in relation to any account you have or operate;
  • other organisations who provide products or services to you jointly with us, or who we believe can offer products or services that will be of use to you;
  • other credit providers and financial institutions for the purposes specified in this Privacy Statement;
  • to any other person who has referred you to us or who has, on your behalf, submitted a request for a quote for credit or an application for a credit facility to us;
  • organisations involved in a transfer or sale of our assets or business
  • our funders, related entities and any organisation that provides credit support or repayment support relating to your credit facility;
  • to debt collection agencies for the purposes of collecting overdue payments; and
  • in accordance with any consent you give or where disclosure is authorised or compelled by law (for example, to law enforcement, regulatory, government and dispute resolution bodies).

4. Disclosure of personal and credit-related information: Overseas

In some circumstances, we may disclose your personal and credit-related information to recipients located outside Australia for the purposes of processing certain international transactions. Our service providers may be located in the United States and/or India. The countries we disclose your information to will depend on the details of the transaction you ask us to carry out. 

While we attempt to select and secure reputable offshore service providers, we are not liable for any breach or misuse of information sent offshore. An overseas entity may not be subject to privacy laws or principles similar to those that apply in Australia. Any information disclosed to an overseas entity may not have the same protection as under Australian privacy laws. You may not be able to seek redress for any breach of your privacy which occurs outside of Australia.

If we disclose your credit-related information to entities that are located overseas, we will take reasonable steps ensure that the overseas entity does not breach the Australian Privacy Principles in relation to your credit-related information.

5. Disclosure of personal and credit-related information: CRBs

For the purposes of obtaining a quote for credit, or if you are applying for credit with us, we may give a CRB your personal information and credit-related information which may include but is not limited to:

  • your full name, including any known aliases, your sex and your date of birth;
  • your most recent three addresses;
  • the name of your current or last known employer;
  • your driver’s licence number;
  • details of any payment default amount of over $150;
  • the fact that you have applied for credit and the amount;
  • the fact that we are a current credit provider to you;
  • the amount of credit provided to you;
  • the type of credit you are applying for or have obtained and the account number;
  • the date the credit account is opened or closed;
  • details of payments that are more than 60 days overdue where debt collection action has commenced;
  • advice that payments are no longer overdue;
  • the fact that the credit we provide has been paid or discharged;
  • that in certain circumstances, you have committed fraud or other serious credit infringement;
  • court proceedings information such as judgements which relate to credit;
  • personal insolvency information such as information relating to bankruptcy;
  • repayment history information, which includes details as to whether or not you have met your repayment requirements under a credit contract; and
  • financial hardship information.

We may obtain a credit report about you from a CRB. A credit report will provide us with information about you that is held by the CRB and which has any bearing on your consumer and commercial creditworthiness.

The CRBs we may use are:

  • Equifax (Equifax Australia Information Services and Solutions Limited), whose privacy policy (which explains how it manages credit information) and contact details are at www.equifax.com.au;
  • Illion (illion Australia Pty Limited and its related parties, Dun & Bradstreet (Australia) Pty Limited and DBCC Pty Limited) whose privacy policy (which explains how it manages credit information) and contact details are at www.illion.com.au; and
  • Experian Australia Credit Services Pty Ltd, whose privacy policy and contact details are set out at www.experian.com.au.

6. Exchange of your sensitive information 

In some cases, sensitive information may be collected for specific purposes (for example, information regarding your health to enable the assessment of a hardship relief application). You understand that references in this Privacy Statement to personal information include sensitive information such as your medical and health related details, and we may exchange such information with other parties listed in this Privacy Statement for the purpose of assessing or processing credit applications and may seek further information from any medical attendant consulted by you.

7. Security

We take reasonable steps to protect your personal and credit-related information from misuse, interference and loss, as well as unauthorised access, modification or disclosure and we use a number of physical, administrative, personnel and technical measures to protect your personal and credit-related information. However, we cannot guarantee the security of your personal and credit-related information.

8. Document Verification Service 

To verify your identity, we may collect, use and disclose the information derived from your government issued documents (such as your Australian passport, state or territory driver licence, Medicare card, citizenship certificate or birth certificate) to the relevant government agency via the Document Verification Service (DVS), provided we have obtained your express consent to do so.

Our collection, use and disclosure of your information to the DVS to verify your identity is subject to compliance with our legal obligations under the Privacy Act 1988 (Cth) and Australian Privacy Principles and our DVS Business User Participation Agreement. Our use of the DVS may involve the use of third-party systems and services. The DVS verifies supplied information by checking it against information held by the government agency that originally issued that document. You may withdraw your consent at any time by contacting us at [email protected] or by phoning us on 1300 990 115.

Verification of your identity is necessary for us to perform our functions and activities and provide products and services to you. If you do not provide evidence of your identity, or your express consent for us to verify your identity using the DVS, we may be unable to verify your identity, and you may not be able to receive products and services from us as a result.

If you wish to make a complaint relating to the collection, use and disclosure of your information for the purposes of verifying your identity with the DVS, you may contact us by emailing us at [email protected] or calling us on 1300 990 115.

You can find more information about the DVS, including information about the operation and management of the DVS Hub by the Attorney-General’s Department, at www.dvs.gov.au.

9. Information about another person 

If you provide information about any other person, such as a referee, you will inform them:

  • that you are providing this information to us;
  • of our contact details on this form;
  • the reason you are providing their information;
  • the fact that we have collected personal information from you; and
  • of the contents of this Statement and Consent.

10. Electronic Communications

If you provide us with an e-mail address or mobile phone number, you consent to us using them to send you notices and reminders. Paper documents may no longer be given but there may be some documents which we are legally required to give you in hard copy. Electronic communications must be regularly checked for notices from us. To protect your privacy, you should nominate an e-mail address and/or mobile phone number accessible only by you rather than, for example, one which is accessible by your work colleagues or family members. Your consent to the giving of documents by electronic communication may be withdrawn at any time, however a decision to receive communications via paper documents may result in the additional cost of doing so being passed on to you.

11. Accessing your information

You may request access to the information we hold about you at any time by contacting us. We will respond to your request within a reasonable timeframe. There is no fee for making a request, but we may charge you the reasonable costs of providing our response to a request for access to personal and credit-related information. If we refuse to give you access to any of your personal and credit-related information, we will provide you with reasons for the refusal and the relevant provisions of the Privacy Act on which we rely to refuse access. 

12. Correcting your information

We take all reasonable steps to ensure that the information (including personal and credit-related information) we may collect, use or disclose is accurate, complete and up-to-date. We encourage you to advise us as soon as there is a change to your contact details. If we correct your information and it is information we have provided to others, we will notify them of the correction where we are required to do so by the Privacy Act. 

13. Comments and Complaints

If you have any comments or complaints, you may contact us by emailing [email protected] or calling us on 1300 990 115.

Once we receive your complaint, we will respond to you as soon as possible and will let you know if we need any further information from you. We will notify you of our decision within 30 days, however, if we are unable to do so, we will let you know the reason for the delay and the expected timeframe to resolve the complaint.

If you are not satisfied with our response to your complaint, or the way in which we have handled your complaint, you may contact the Australian Financial Complaints Authority, our external dispute resolution scheme, or the Office of the Australian Information Commissioner. The contact details of these entities are as follows:

Australian Financial Complaints Authority
GPO Box 3 MELBOURNE VIC 3001
1800 931 678
www.afca.org.au

Office of the Australian Information Commissioner
GPO Box 5218 SYDNEY NSW 2001
1300 363 992
www.oaic.gov.au

14. Acceptance

By clicking “Next”, I/We agree to the acknowledgements and consents set out in this Privacy Statement and Electronic Communication Consent. 

If I/We are not eligible for a Quick Rate Check, I/We agree that my personal information may be referred to a third party who may be able to assist with a loan. Handy Finance Services and/or Handy Finance Lending may be paid a commission for the referral. I/We consent to both:

  • the collection, use, disclosure and storage of my/our personal information and credit-related information as outlined in this statement; and
  • disclosure of my/our personal information to a CRB or other organisation (including the document issuer or official records holder) for the purposes of electronically verifying my/our identity as set out above.