Privacy

Yes Loans P/L ABN #: 7411 7492 207

Yes Loans P/L commitment to its contractors, customers, shareholders and the community is spelled out in the company’s Privacy Policy.

Yes Loans P/L is committed to the protection of your personal information. This Privacy Statement applies to Yes Loans P/L and each of its subsidiaries, and the expressions “we”, “us” and “our” are a reference, collectively and individually, to Yes Loans and each of its subsidiaries.

Our Privacy Statement contains the following important information:

• National Privacy Principles
• Collection of your personal information
• How we use and disclose your personal information
• Security of your personal information
• How to access, correct or update your personal information
• How to contact us
• Internet privacy

National Privacy Principles

We are bound by the National Privacy Principles (“NPPs”) under the Commonwealth Privacy Act 1998 (“Privacy Act”). This statement explains how we handle personal information in accordance with the NPPs.
The NPPs and this statement do not apply to our acts and practises directly related to records about our current or former employees and their employment relationship with us.
The expression “personal information” is used in this statement to refer to information or an opinion, in any form and whether true or not about an individual whose identity is apparent or can reasonably be ascertained from the information.

By submitting an application you agree to the following.

I/We understand and agree that:

1. A credit provider whom the Introducer may approach in arranging Loans on my/our behalf (the “Approached Credit Provider”) may give credit reporting agency certain personal information about me/us, including:
   

   -	Such permitted particulars about me/us which allow me/us to be identified;
   -	That I/we have applied for Loans and the amount;
   -	That the Approached Credit Provider is a current credit provider to me/us or has ceased to be a current credit provider to me/us;
   -	Payments which are overdue more than 60 days, and for which collection action has commenced;
   -	Advice that payments are not longer overdue;
   -	Cheques drawn by me/us for $100.00 or more which have been dishonoured more than once;
   -	In specific circumstances, that in the opinion of the Approached Credit Provider, I/we have committed a serious credit infringement.

2. The Approached Credit Provider may obtain a report about my/our commercial activities or commercial creditworthiness from a business which provides information about the commercial credit worthiness of persons for the purpose of assessing my/our application for personal credit.
   
3. The Approached Credit Provider may obtain from a credit reporting agency a credit report containing personal information about me/us for the purpose of assessing my/our application for commercial credit.
   
4. The Approached Credit Provider may give to and obtain from another credit provider information about my/our personal or commercial credit arrangements for the purposes of assessing my/our Loans application or creditworthiness, of collecting overdue payments or of notifying other credit providers of a default by me/us; I/we understand that this information can include any information about my/our credit worthiness, credit standing, credit history or credit capacity that credit providers are allowed to exchange under the Privacy Act.
   
5. The Approached Credit Provider may disclose to a guarantor credit information relating to me/us and may also provide such information to a person who is considering whether to become a guarantor, for that purpose.
   
6. If my/our application for credit is not completed within 14 days, the Approached Credit Provider may give a credit reporting agency further personal information about me/us in order to obtain a credit report about me/us.
   

Authorisation to Act on Behalf of Individuals

7. I/we authorise the Introducer to:
   
   
   1. Obtain on my/our behalf a report or information about my/our consumer or commercial credit worthiness from a credit reporting agency, from a commercial credit reporting business or from a credit provider in connection with my/our application for the Loans described below.
      
   2. Pass on such reports and information to the Approached Credit Provider for the purpose of assessing my/our application for the Loans described below and to give to and to receive from such persons as are relevant to the arranging of that Loans any personal information about me/us may be necessary to the arrangement.
      
      
8. I/we agree that if Loans is provided to me/us by the Approached Credit Provider, I/we authorise the Introducer to obtain from the Approached Credit Provider any report or information concerning either me/us to that Loans that it may require in order to:
   

   -	Assist me/us in understanding and meeting my/our obligations to the credit provider in relation that Loans;
   -	Advise me/us regarding my/our Loans requirements;
   -	Ascertain any amount require to be paid to the Approached Credit Provider in relation to that Loans.

I/we understand that this paragraph may be deleted if I/we do not agree. I/we also understand that this authority will continue for the duration of the Loans unless and until I/ we revoke it by notice to the Introducer and the Approached Credit Provider.

Agreement by Guarantors/s

I/we that:

9. The Approached Credit Provider may give personal information about me/us of the types described in Paragraph 1 above to a credit reporting agency.
   
   
10. The Approached Credit Provider may obtain from a credit reporting agency a credit report containing personal information about me/us to assess whether to accept me/us as a guarantor for a loan applied for by, or provided to the borrower/s that Yes Loans P/L deals with.
    
    
11. The Approached Credit Provider may give to and obtain from another credit provider information about my/our personal or commercial credit arrangements for the purposes of assessing a Loans application made by the borrower/s named below, of assessing my credit worthiness or of collecting overdue payments; I/we understand that this information can include any information about my/our credit worthiness, credit standing, credit history or credit capacity that credit providers are allowed to exchange under the Privacy Act.
    
    

Use of Site

By using this site you agree to be bound by the copyright information.

Terms and conditions can change at any time.

Privacy Policy

Collection of Personal Information

1. You can browse through this web site without registering any of your Personal Information.
2. This Website collects Personal Information about you when you complete a form on the Website and send it to us.
3. When we collect, store or use information about you we try at all times to comply with the national Principles for the Fair Handling of Personal Information.
4. We do not disclose any information collected on this Website to any organization not related to this company.
5. When you provide us with information on this Website we may ask your permission to contact you in the future about products or promotions related to this company. If you give your permission you will be given the opportunity to withdraw it at any later time we contact you.
6. If you do not give us permission you will not be contacted again except as it pertains to your specific request.

Information collected by our Server

1. When you visit this site, our server logs the following information provided by your browser (which does not personally identify you);
   

   -	The type of browser and operating system you are using and the previous site that you visited.
   -	Your server’s IP address (a number which is unique to the machine through which you are connected to the Internet: usually one of your service provider’s machines).

2. Our server logs the date and time of your visit, which pages of our Website you visited and any documents you downloaded.
3. Our server might use a feature of your browser called a “cookie” to assign a user ID. Cookies identify your computer to our server when you visit our site. We only use cookies to store the site or databases that a user has selected. Cookies are not used for any other purposes. You do not need to have configured your browser to enable the accepting or sending of cookies in order to use this site.
4. We only use the information collected by our server to generate statistics and analyse site activity.

How we use Personal Information collected about you

1. We will reply to our email address for the purpose for which you provided it.
2. If you give permission we will use your personal information (see below for what Personal Information we collect) only to send you emails to announce products or promotions related to this company. Every time we send you an email, we will give you the opportunity to choose not to receive further emails of that type.
3. We may also use your email address to respond to feedback given about this site, and to confirm receipt of emails sent to us.

What Personal Information do we collect?

When you send a form on this Website to us, it will provide the following Personal Information:

• Your name
• Your email address

On some forms it will additionally ask for:

• Your phone number
• Your fax number
• Your address

Access to your personal information

1. If you have any questions about this Privacy statement or if you wish to gain access to the information that we may have collected about you, please contact Yes Loans P/L.
2. If any of the Personal Information we are holding has changed, we will correct it for you.

Links to other Sites

This site contains links to other Websites. We are not responsible for the Privacy Policies of other sites.

Changes to the Statement

We reserve the right to change our Privacy Statement. A revised Privacy Statement will only apply to data collected subsequent to its effective date.

Disclaimer

Vehicle information displayed within the Web Site is provided by Wacars.com.au. The information is displayed in good faith however Yes Loans P/L makes no representations or warranties, under any circumstances, expressed or implied, as to the accuracy of this information. Furthermore, under no circumstances will Yes Loans P/L be liable for any claims of any nature caused by reliance on this information. It is this responsibility of the User to verify any information with Wacars.com.au and bear all risk for any inaccuracies.

Liability Disclaimer

The information and associated products and services contained in the Web Site may include inaccuracies or typographical errors, we may make improvements and/or changes to the Web Site at any time. Yes Loans P/L or its employees and/or suppliers make no representations about the suitability of the information and associated products and services contained in the Web Site for any purpose. All information and associated product and services contained in the Web Site are provided without warranty of any kind other than those provided by statue in some states of Australia. Yes Loans P/L or its employees and/or suppliers hereby disclaim all warranties and conditions with regard to this information and associated products and services, including all implied warranties. In no event shall Yes Loans P/L or its employees and/or suppliers be liable for any direct, indirect, punitive, incidental, special or consequential damages arising out of or in any way connected with the use of this Web Site or with the provision of service, information and associated products and services contained in the Web Site.

MODIFICATION

Yes Loans P/L reserves the right to modify these terms from time to time and will provide the revised terms on this Web Site within a reasonable period.