PRIVACY POLICY
Volt Loans is a trading name of Australian Asset Aggregation Pty Ltd (ABN 20 623 390 009) operating under Australian Credit Licence No. 384704
Who We Are
We, us and our refer to Volt Loans which is a trading name for Australian Asset Aggregation Pty Ltd (ABN 20 623 390 009) operating under Australian Credit Licence Number 384704 and our related businesses.
Our Commitment to Protect Your Privacy
At Volt Loans, we understand that the details you provide us are private and personal. It is important that you feel secure whenever you deal with us. It is also important that you understand how we protect your privacy and the manner in which we may use your details. Our policies relating to personal information are designed to ensure that you are fully protected under Australian privacy laws. Our commitment in respect of personal information is to abide by the Australian Privacy Principles for the protection of personal information, as set out in the Privacy Act and any other relevant law.
Personal Information
When we refer to personal information we mean information from which your identity is reasonably apparent. This information may include information or an opinion about you. The personal information we hold about you may also include credit information. We will only collect your personal information for the primary purpose for which it is needed, being the assessment of your application, and related purposes which you would reasonably expect.
Collecting Your Personal Information
We collect personal information where it is reasonably necessary for our business purposes and where it is permitted by law. We collect personal information directly from you when you apply for finance, make an enquiry, call us, use our website or communicate with us by any other means. We may also collect information from third parties such as credit reporting bodies, other lenders and financial institutions where you have consented to this or where we are permitted by law.
How We Use Your Personal Information
We use your personal information to assess and process your finance application, to provide you with finance products and services, to communicate with you about your application or account, to comply with our legal and regulatory obligations, and to improve our products and services. We will not use your personal information for any purpose other than those for which it was collected unless you consent or we are required to do so by law.
Insurance Products and Marketing Consent
As part of our service, Volt Loans may offer insurance products that complement your finance arrangement, including but not limited to vehicle insurance, asset protection insurance and other related products. By submitting an application or enquiry through our website or by contacting us directly, you consent to Volt Loans and our authorised representatives contacting you to discuss insurance products and services that may be relevant to your circumstances. This contact may occur by telephone, email or other electronic means. You may withdraw this consent at any time by contacting us at info@voltloans.com.au or by calling 1300 859 123 and we will update your preferences accordingly. Withdrawing consent to receive insurance communications will not affect the processing of your finance application.
Disclosing Your Personal Information
We may disclose your personal information to lenders and financial institutions for the purpose of assessing and processing your finance application, to credit reporting bodies, to our professional advisers, to regulatory bodies where required by law, and to other parties where you have provided your consent. We will not sell your personal information to third parties for marketing purposes.
Credit Reporting
In connection with a credit application or credit management, we may disclose personal information to credit reporting bodies. Credit reporting bodies may include that information in credit reports provided to other credit providers to assist them in assessing your credit worthiness. You have the right to request access to the information held about you by a credit reporting body and to request corrections if that information is inaccurate.
Security of Your Personal Information
We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification and disclosure. We use a range of security measures including secure servers, encryption and access controls. If you believe that your personal information has been compromised please contact us immediately.
Access and Correction
You have the right to access the personal information we hold about you and to request corrections if it is inaccurate, incomplete or out of date. To request access or correction please contact us in writing. We will respond to your request within a reasonable timeframe. In some circumstances we may be unable to provide access, in which case we will explain the reasons.
Complaints
If you have a complaint about the way we have handled your personal information please contact us in writing. We will investigate your complaint and respond within 30 days. If you are not satisfied with our response you may lodge a complaint with the Office of the Australian Information Commissioner at oaic.gov.au or with the Australian Financial Complaints Authority at afca.org.au.
Contact Us
If you have any questions about this Privacy Policy or the way we handle your personal information please contact us at info@voltloans.com.au or by calling 1300 859 123.
If you have any questions about this document please contact us.
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