Privacy consent
Licensee Details - Contact Details
Winari Creative Pty Ltd
ABN: 26 674 307 905
ACN: 674 307 905
Hornsby NSW 2077
Phone: 0432 772 550
Credit Representative #579786 of Australian Credit Licence
#414426 (AFAS Group Pty Ltd, ABN 12 134 138 686)
Overview - Privacy
Winari Creative Pty Ltd, ACN 674 307 905, (‘we’, ‘us’, ‘our’) collects
information about you for the purpose you agree to in this Privacy
Disclosure Statement and Consent. When you sign below, you
agree we can, consistently with Australia’s privacy and credit
reporting laws, collect, use and exchange credit and personal
information about you for those purposes.
We are collecting credit and personal information (information)
about you, as applicable:
To source for you, or a company of which you are a director:
● Consumer credit for personal, household, domestic or
residential investment purposes;
● Commercial credit for business purposes; or
● Other services stated in this Privacy Disclosure Statement
and Consent (Consent); or
● To support a guarantor application you will provide.
As your broker, we require the information we collect from you to
assess your credit, or guarantor, application or the credit
application of a company of which you are a director, source a
suitable credit provider and any required insurances and to
manage the application process, where required. If you do not
provide the information sought we may be unable to process your
application, or the company’s application, or we may be limited in
the other services we can offer you or the company.
Your information – Collection and Credit Reporting Body (‘CRB’)
Disclosures
When we collect information from you in the credit application
process, we use that information in a number of ways to assess
your credit application and to source a suitable credit provider or
lessor/or insurance provider.
● We may: Disclose your identification information to a CRB if
you wish us to obtain a report on your behalf.
● Use any information the CRB provides in that report to assist
us to preliminary assess your consumer credit or guarantor
application.
● Disclose your personal information to an insurer or insurers
to source any insurances you wish to obtain.
● Disclose your credit information to a credit provider to apply
for finance on your behalf.
The information we obtain from you is used, subject to compliance
with Australia’s privacy and credit reporting laws, only for the
purposes listed in this Consent and is not disclosed to any other
person except with your permission or as permitted, or required,
by law.
Credit Providers
As part of providing our services to you, we may undertake tasks
for a credit provider which is reasonably necessary to manage the
application process. When doing so, we are acting as an
intermediary for the credit provider, with the same privacy law
requirements applying to both of us.
We may submit your application to one or more credit providers.
Those credit providers and their website addresses are set out in
the Schedule at the end of this document.
A credit provider, to whom we submit an application, may disclose
information about you to, and collect information about you from,
from one or more CRBs.
The website of each credit provider contains details of each CRB
with which it deals, and the information held about you and
describes your key rights. This detail may be described on the
credit providers’ websites as ‘notifiable matters’, ‘privacy policy’,
‘credit reporting policy’ or privacy disclosure statement and
consent’, and includes –
● That the CRB may include information the credit provider
discloses about you to other credit providers to assess your
credit worthiness.
● That, if you become overdue in making consumer credit
payments you commit a serious credit infringement, the
credit provider may disclose that information to a CRB
● How you can obtain the credit providers and/or CRB’s
policies about managing your credit information
● Your right to access and/or correct information held about
you and to complain about conduct that may breach the
privacy and credit reporting laws
● Your right to request a CRB not to undertake pre-screening
for purposes of direct marketing by a credit provider
● Your right to request a CRB not to release information about
you if you believe you are a victim of fraud
This detail will also be included by the credit provider who
approves your application in the privacy disclosure statement and
consent document it will provide to you.
Each credit provider website includes information on how to
contact the credit provider and how to obtain a copy of its privacy
documents in a form that suits you (e.g. hardcopy or email).
Your Rights
You have the right to ask:
● Us to provide you with all the information we hold about
you.
● Us to correct the information we hold if it is incorrect.
● Us for copies of our privacy policy and this document, in a
form that suits you (e.g. hardcopy or email).
● The CRB to not use your information for direct marketing
assessment purposes, including pre-screening.
● The CRB to provide you with a copy of the information it
holds about you.
You can gain access to the information we hold about you by
contacting our Privacy Officer at Hornsby NSW 2077. Or by
telephone on 0432 772 550 or email at alwin@winarifinance.au. In
some cases an administration fee may be charges to cover the cost
of providing the information.
Our privacy policy is available and we will provide you with a copy
if you ask us.
Disclosure and Consent
By Signing below, you agree we may:
Use your personal and credit information:
● To assess your consumer or commercial credit and/or
guarantee application and/or to assess a credit application
by a company of which you are a director.
● To source any finance you require.
● To source any insurance you require.
As the law authorises or requires:
● Disclose to, and obtain from, any prospective credit provider
or insurer, information about you that is reasonably
necessary to obtain the finance and insurances required;
● Obtain from, and disclose to, any third-party information
about you, the applicant(s) or guarantors(s) that is
reasonably necessary to assist you obtain the finance and
insurances required;
● Provide your information, including your credit report(s), to
one or more of the credit providers specified in the Schedule
of Credit Providers below so they can assess your
application, or the application of a company of which you are
a director, or your suitability as a guarantor;
● Provide credit information about you to a guarantor, or
prospective guarantor;
● Provide you, or the company of which you are a director with
offers or information of other goods or services we, or any of
our associated entities, may be able to provide to you or the
company, unless you tell us not to;
● Disclose your personal and credit information to the extent
permitted by law to other organisations that provide us with
services, such as contractors, agents, printers, mail houses,
lawyers, document custodians, securitises and computer
systems consultants or providers, so they can perform those
services for us; and
● Disclose your personal information to any other organisation
that may wish to acquire, or has acquired, an interest in our
business or any rights under your contract with us, or the
contract with us of a company of which you are a director.
You also agree and consent to, as appropriate:
● A CRB disclosing consumer credit information to one or more
Credit Providers below for the purpose of assessing your
application for consumer or commercial credit or your
guarantor application, and/or assessing a credit application
by a company of which you are a director.
● A credit provider using that information to assess your
suitability as a guarantor when you are a prospective
guarantor.
● A credit provider disclosing your credit information
(including information obtained by it from a CRB) to a
guarantor, or a prospective guarantor.
● A credit provider disclosing to another credit provider, for a
particular purpose, information it holds about you.
Where the applicant, or guarantor, is a company of which you are
a director, you consent to the use of your information, in addition
to the company’s information, in each of the ways listed above.
Authorisation
By signing below, you also authorise us to make a request on your
behalf to obtain credit reporting information about your consumer
and commercial credit worthiness from a CRB. That information
will assist us in providing our services to you. This authorisation
ceases when we undertake a task on behalf of a credit provider.
If you have a complaint
Internal Dispute Resolution
Within our business we follow specific procedures to try to resolve
any complaints that you may have. If you have a complaint, please
contact our office via email at alwin@winarifinance.au. They will
try to resolve all concerns quickly and fairly.
External Dispute Resolution
In the unlikely event we cannot resolve your complaint in a
satisfactory manner, or you have not received a response from us
after 45 days, you can escalate your complaint to the below
Ombudsman, a free and independent dispute resolution service
provider.
Australian Financial Complaints Authority (AFCA)
Free call number: 1800 931 678
A copy of AFCA’s dispute resolution policy is available at
Winari Creative Pty Ltd’s membership number is 123393.
You can check the information we hold about you at any time by
contacting our Privacy Officer.
Privacy Officer
Winari Creative Pty Ltd
Hornsby NSW 2077
Email: alwin@winarifinance.au
Phone: 0432 772 550