Byron Finance is committed to safeguarding your personal privacy. Our policy is to respect the confidentiality of information and the privacy of individuals and we are bound by the National Privacy Principles contained in the Commonwealth Privacy Act.

We recognise that you have a right to control how your personal information is collected and used. We know that providing personal information is an act of trust and we take that seriously. We obtain most of the information directly from our customers through application or other forms. We may also obtain information from other sources if required. We may ask for other information voluntarily from time to time to enable us to improve our service or consider the wider needs of our potential customers. We collect personal information when we provide our services to you. Generally we will tell you why we are collecting information when we collect it and how we plan to use it or these things will be obvious when we collect the information.

We use your information to provide our service to you, to fulfill administrative functions associated with providing this service. We may share your information with other companies that are related to or have relationships with, within and outside of Australia , for the primary purpose of supplying the service requested. We or they may use your personally identifiable information to assist us in improving our service and any of us might be in touch to let you know about goods, services, or promotions which may interest you or be of benefit to you e.g. advising you of improved products or services. When we collect your information, we will give you the ability to indicate that you do not want us to use your personal information for disclosed secondary purposes.

We may contact you by e-mail, by phone or other address, which you provide us in order to:

• Provide you with information about services provided directly by or third party relationships
• Provide you with information that you requested or deemed important to you for your business operation
• To send you news letters

If you are receiving communications from and do not wish to receive this information any longer you may remove your name from our list by contacting us at the email below.

Safeguarding the privacy of your information is important to us, whether you interact with us personally, by phone, mail, over the Internet or other electronic medium. We hold personal information in a combination of secure computer storage facilities and paper-based files and other records, and take steps to protect the personal information we hold from misuse, loss, unauthorised access, modification or disclosure.

Under the Commonwealth Privacy Act, you have the right to obtain a copy of any personal information that holds about you and to advise of any perceived inaccuracy. The Act does set out some exceptions to this.

If at any time you want to know what information we hold about you, you are welcome to request your personal information by e-mailing us directly.

We will acknowledge your request within 14 days and respond promptly to it. We may charge a fee to cover the cost of verifying and locating, retrieving and copying any material requested. If the information sought is extensive, we will advise likely cost in advance and help refine your request if required.

Byron Finance's Privacy Statement will be reviewed from time to time to take account of new laws and technology, changes to our operations and practices and to make sure it remains appropriate to the changing environment. The most current Privacy Policy Statement will govern any further information we hold.

Acceptance and Changes to Security and Privacy Statement  

You acknowledge and accept that your use of the Byron Finance Web Site indicates your acceptance of the Byron FinanceWeb Site Terms of Use and the Security and Privacy Statement.

PRIVACY CONSENT

A. Consent of Individual Applicant

In connection with my application and any subsequent applications to any of the financiers described in the Schedule ( Financier ) for credit, I acknowledge that the Financier will collect personal information about me (which may include "sensitive information" as defined in the Privacy Act 2001 (Cwlth)( Privacy Act )), and that such information will be used to help the Financier assess this and subsequent applications, and if my applications are approved, for the subsequent administration of the credit facilities.   I consent to the Financier collecting, using and disclosing my personal information for these purposes, and acknowledge that without this information, the Financier may be unable to process or accept my applications, or  to operate or administer the credit facility.

I consent to the Financier and its related companies using or disclosing my personal information for;

• Performing administrative tasks and managing business operations, providing services to me in relation to credit facilities (if granted) or other products or services, and telling me about its products, services or other organisations;
• Product development, research, risk assessment, loan management, modelling, and fraud and crime prevention;
• Keeping guarantors informed about the credit facility;
• Complying with legislative and regulatory requirements.

B. Consent of Individual Guarantor/Other Individuals

In connection with this application and any subsequent applications to any of the financiers described in the Schedule ( Financier ) for credit by the applicant described in the Schedule ( the applicant ), I acknowledge that the Financier will collect personal information about me (which may include "sensitive information" as defined in the Privacy Act) and that such information will be used to support this and subsequent applications and help the Financier assess these applications.  Where I am to provide a guarantee or other support in connection with these credit facilities, I acknowledge that the personal information will be used to assess whether to accept me as a guarantor or to accept the support for such credit facilities, and if necessary, in the enforcement of the guarantee or that support.  I consent to the Financier collecting, using and disclosing my personal information for this purpose, and acknowledge that without this information the Financier may be unable to process or accept such applications.

C. Other Consents of Individual Applicant and Individual Guarantor/Other Individuals

I consent to the Financier disclosing my personal information to its related companies, and each of them disclosing my personal information:

• To credit reporting agencies, other financial institutions and credit providers, and service providers;
• Where I am the applicant for the credit, to persons who may guarantee or give other support in connection with my obligations under these credit facilities (including to help that person assess whether to act as guarantor or provide the support);
• Where I am to provide a guarantee or other support in connection with these credit facilities, to the applicant;
• To governmental and regulatory organisations; and to any person authorised by me to operate these credit facilities, any organisation through whom I choose to make payments to the Financier or its related companies, and to any other entity to whom the Financier or any of its related companies is required by law, or authorised by me, to disclose my personal information, regardless of how or when that information is collected.

I agree to the transfer of my personal information by the Financier and its related companies to organisations overseas for use in connection with any of the purposes authorised by this consent or the Privacy Act.

If and to the extent that the Financier does so in a manner and for purposes that conform with the Privacy Act;

• I agree to the Financier obtaining information about my commercial activities and commercial credit worthiness from a business which provides information about the commercial credit worthiness of persons, and to the Financier using that information in assessing these applications, assessing future changes to the approved limits and reviewing such limits;
• I acknowledge and consent that credit information may be given to a credit reporting agency;
• I/we acknowledge that the Privacy Act allows a credit provider which the introducer/broker may approach in arranging my/our finance, to give a credit reporting agency certain personal information about my/our applications for finance.

The information which may be given to an agency includes such permitted particulars about me/us which allow me/us to be identified;

• The fact that I/we have applied for finance and the amount; The fact that the credit provider is a current credit provider to me/us;
• Payments which become overdue more than60 days, and for which collection action has commenced; That payments are no longer overdue;
• Cheques drawn by me/us for an amount not less than $100, which have been dishonoured more than once;
• That in the opinion of the above-named credit provider, I/we have committed a serious credit infringement;
• Information as to court judgements against me.
• I agree to the Financier giving to and receiving from any credit provider named in the application, and any credit provider named in a credit report issued by a credit reporting agency, information about my credit arrangements, provided that the information is given or received to assess an application for credit made to the recipient credit provider, to assess my credit worthiness, to assess future changes to approved limits or in the review of such limits;
• I agree to the Financier obtaining a credit report containing personal information about me from a credit reporting agency, using that report or any information derived from the report in assessing the application, assessing future changes to approved limits or in reviewing such limits, or if relevant, collecting overdue payments in respect of credit provided to me, and for any other purposes permitted under the Privacy Act (including where I am to provide a guarantee or other support in connection with the credit facility, to assess whether to accept me as a guarantor or whether to accept that support); and
• I authorise a trade insurer in relation to my application (where it is for commercial credit) to obtain a credit report to assess whether to insure or assess the risk of insuring the Financier, and where I am the applicant for credit, to assess the risk of default by me on the credit provided.
• I acknowledge that the bank of financier may pay a commission to the broker as a result of any banking services offered to me by the bank of financier. 
• I consent to the bank or financier disclosing ongoing information in relation to my banking services to the broker

Subject to the Privacy Act, I acknowledge that I may have access to my personal information collected and held by the Financier and its related companies, and that I can enquire as to the identity of each related company of the Financier, by contacting the Privacy Officer of the Financier at the address of the Financier shown in the Schedule.  I acknowledge that if I provide information about any other individual to the Financier, I will ensure that the individual is made aware that the Financier has his or her personal information, of the purposes (and the persons involved) of the collection, use and/or disclosure of the personal information by the Financier, and that the Financier can be contacted in the manner outlined above.

Where I am an applicant for the credit, Part A and Part C apply to me.  Where I am to provide a guarantee or other support in connection with the credit facility, Part B and Part C apply to me.  Where two or more persons sign this consent, it is to be read as given by each of us individually.

INDIVIDIAL APPLICANT/GUARANTOR/OTHER INDIVIDUAL SIGNATURE SECTION INCLUDING APPLICANT SCHEDULE

Name and Address of Financier - Each and any of;

Bendigo Bank Limited (ABN 11 068 049 178), BOQ Equipment Finance Limited (ABN 78 008 492 582), Capital Finance Australia Ltd (ABN 23 069 663 136), Cash Resources Australia Pty Ltd (ABN 48 784 573 234), CBFC Limited (ABN 26 008 519 462), Esanda Finance Corporation Limited (ABN 64 004 346 043), Macquarie Leasing Pty Limited (ABN 38 002 674 982), Scottish Pacific Business Finance Pty Ltd (ABN 79 008 636 388), Suncorp - Metway Limited (ABN 66 010 831 722), Westpac Banking Corporation (ABN  33 007 457 141) Advance Business Finance Pty Ltd ABN 28 114 212 672