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Meaning of words: In this document:

• “we”, “us” and “our” refers to KLF Pty Ltd Trading  ABN 58 105 210 008 Australian Credit License 391 902
• “you” refers to the persons who are applying for credit from us
• words defined in the Privacy Act 1988 (Cth) have the same meaning.

Our contact details: You can contact us as follows:

Beenleigh Office:
5/53 York Street, Beenleigh QLD 4207
Phone: 07 3807 9366
Fax: 07 3807 9377
Email: [email protected]
Morayfield Office:
3/12 Leda Boulevard, Morayfield QLD 4506
Phone: 07 5428 3622
Fax: 07 5428 3722
Email: [email protected]

Your acknowledgements and consents: By signing or submitting the application/order form you acknowledge that you have read and understood our Privacy Notice and you consent to the collection, storage, handling and disclosure of  personal and credit related information as described in this document.
Why we collect personal information: We may collect personal information about you for the following purposes:

• to answer an enquiry from you;
• to provide you with the service you requested;
• to enable us to develop, administer and manage our services and businesses;
• to assess your application and manage your account with us;
• to engage a credit reporting body to conduct a credit and reference check;
• to assess your creditworthiness;
• billing purposes and collection of debts;
• statistical purposes;
• future promotional and marketing purposes including direct marketing purposes;
• for research purposes to better improve our website, products or services;
• any other customer support purposes;
• to notify credit providers of a default by you of your agreement with us;
• to deal with complaints; and
• to enforce our rights when you are in breach.

Collection required by law: Collection of some personal information about you may also be required or authorized by or under an Australian law. These laws include:

• the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth), which requires us to collect personal information about you when verifying your identity;
• 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
• 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.

If you do not provide personal information: The main consequences for you if all or some of the personal information is not collected by us are that we may not be able to provide services to you, or be able to provide them to the same standard. In the case of a credit application, we may not be able to make a decision whether to provide credit to you if you do not give us the information we request.

Collecting information about you from someone else: We may collect personal information about you from someone else, such as from a credit reporting body or another credit provider when we are assessing your credit application or collecting a debt you owe.

Disclosure of personal information: We usually disclose personal information of the kind collected by us to:

• related companies of ours;
• distributors and introducers of our products and services;
• credit reporting bodies;
• other credit providers and insurers;
• service providers including mailhouses, 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.

You agree that we may disclose personal information about you to these persons for the purposes for which we collect it where permitted by law, including the Privacy Act. You acknowledge that we may provide your personal information to these persons when required by law.
Credit reporting bodies: The credit reporting bodies that we are likely to disclose your personal information to are:

Equifax Australia Information Services and Solutions Pty Limited
Equifax- Customer Relations
PO Box 964 North Sydney NSW 2059
138332
[email protected]

Talefin Pty Ltd
Suite 86/3 Albert Coates Lane Melbourne VIC 3000
1300284193
[email protected]

Disclosure to us for permitted purpose: A credit reporting body may also disclose credit reporting information about you to us for a purpose permitted by the Privacy Act. This includes assessing an application for consumer credit by you.
Disclosure by us to other credit providers: We may disclose credit eligibility information about you to another credit provider with an Australian link for any of the following purposes:

• to assess an application for credit by you;
• to assess you becoming a guarantor;
• to assess your creditworthiness;
• to notify credit providers of a default by you of your agreement with us; or
• to advise credit providers of the status of your agreement with us, where you are in default with credit providers.

Disclosure by us to a guarantor or security provider: We may disclose credit eligibility information about you if we have provided credit to you or you have applied to us for credit, and the disclosure is to a person with an Australian link for the purpose of that person considering whether to offer to act as a guarantor or to offer property as security for the credit. We may also disclose this information to a person with an Australian link who is a guarantor in relation to credit provided by us to you, or who has provided property as security for such credit.
Personal information you give us about another person: If there is another person named in an application for credit, you may need to provide their personal information to us. You warrant that the other person has consented to the collection of their personal information by us for the reasons it is being collected.
Privacy policy: Our privacy policy has information about how you may access personal information about you that we hold and seek the correction of such information, and how you may complain about a breach of the Australian Privacy Principles or any registered privacy code that may bind us.  Our privacy policy also explains how we will deal with such a complaint. You can get a copy of our privacy policy online at https://renttoown.com.au/privacy-policy/
You can request us to provide you with a copy of the policy in an alternative form such as a hard copy.
Credit reporting policy: Our credit reporting policy includes information about credit reporting, including:

• the credit reporting bodies to which we are likely to disclose your credit information;
•  how credit reporting information is used and your rights in relation to credit reporting information;
• information about how you can access credit eligibility information about you held by us;
• information about how you may seek the correction of credit information or credit eligibility information held by us; and
• how you may complain about a failure by us to comply with Part IIIA of the Privacy Act or the Credit Reporting Privacy Code, and how we will deal with such a complaint.

You can get a copy of our credit reporting information policy online at: https://renttoown.com.au/credit-reporting-policy/
You can request us to provide you with a copy of the policy in an alternative form such as a hard copy.
Direct marketing: You consent to receiving direct marketing communications from us, or if you do not want to receive them, please tick the box under your name when signing below.

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