Credit File

Personal Credit File
Company Assessment
ASIC Extract

What is a credit file?

Our Credit Check service provides access to a comprehensive range of online credit reports which detail information on the credit worthiness of a company or business and its directors.

These services include:
My Credit File
Car Valuation
Car Facts

Complete Additional Services

credit file, car value and car facts combination

Get all the services we provide at a special price, including:

My Credit File
Car Valuation
Car Facts

Get it all at a discount of over 35%, or over $15 off, from the price of
buying all of our additional services separately for $29.95.

Get the $29.95 package

I/we agree and acknowledge the terms of the Privacy Authorisation Agreement

natloans, Loans Act Authorisation Agreements

						This statement explains out Privacy Policy, the privacy rights of the applicant (you) and the rights and obligations of natloans (we) in relation to your personal information.

						We recognise the importance of protecting the privacy of your personal information. Our Privacy Policy complies with the National Privacy Principles in the Commonwealth Privacy Act 1988 as well as any other applicable laws and codes affecting your personal and credit information.

						Personal information is information or opinion that allows others to identify you. It includes your name, age, gender, contact details and financial information. We collect personal information to provide you with the products and services you request as well as information on other products and services offered by us. We only exchange personal information with external organisations that help us provide these products and services.

						We require your consent to use your personal information for these purposes. Without this consent, we may not be able to process the application or provide you with an appropriate level of service. You may request access to your personal information by contacting out Privacy Officer. (Our Privacy Policy is set out below.)

						By ticking this box you authorise us and our sub-distributors to:

						collect, maintain, use and disclose your personal information in accordance with our Privacy Policy;
						act as your agent in seeking access to your consumer credit information file held by a credit reporting agency:
						for an application, or proposed application by you for credit; or
						you having sought advice in relation to existing credit.
						Car Loans Online Privacy Policy
						The information in this document details how we comply with the requirements of the Privacy Act in protecting your personal information.

						Index
						Privacy Regulation
						Collection of Personal Information
						Disclosures
						Personal information quality
						Personal information security
						Telephone
						Access to personal information
						Further information

						Privacy Regulation 
						Privacy Act 1988

						The Commonwealth Government has enacted privacy legislation to protect information held by all credit providers (not just banks) about their customers personal credit dealings. Since 1991, under Part IIIA of the Privacy Act, credit providers have only been allowed to disclose information about personal credit dealings to certain classes of persons (such as another bank or a credit union) for certain very limited purposes.

						Privacy Amendment (Private Sector) Act 2000

						In December 2000, the Commonwealth Government enacted further privacy legislation, which commenced 21 December 2001, amending the Privacy Act (implementing the National Privacy Principles) to include provisions the regulate the way private sector organisations collect, use, disclose, keep secure and provide access to personal information.

						We protect your personal information in accordance with the National Privacy Principles.

						Collection of Personal Information 
						What is personal information?

						Personal information is information or an opinion, whether true or not, and whether recorded in a material form or not, about an individual whose identity is apparent, or can reasonably be ascertained, from the information or opinion.

						What we collect

						Personal information collected by us generally comprises, name, address, date of birth, gender, marital status, occupation, account details, contact details (including telephone, facsimile and e-mail) and financial information. Sometimes we collect a few personal details unlikely to be known to other people to help us identify you over the telephone.

						If you are applying for credit we may also collect the number and ages of dependants, the length of time at your current address, your employer's name and contact details, the length of your employment, proof of earnings and, if you have changed employer in the last few years, details of your previous employment. We use this information to assist in making responsible credit decisions. In addition, as required by Part IIIA of the Privacy Act 1988, we need your consent to collect, use and disclose credit information about you.

						Why we collect information

						Personal information is collected so that we may identify you and provide you with the products and services you require and, unless you tell us otherwise, to provide information on other products on offer.

						Personal information may also be used for:

						administering our customer relationships;
						monitoring and evaluating products and services
						gathering and aggregating information for statistical, prudential, actuarial and research purposes;
						assisting customers with queries; and
						taking measures to detect and prevent frauds and credit loss
						What if you provide incomplete or inaccurate information?

						We may not be able to provide you with the products or services you are seeking.

						Obtaining your consent

						In most cases, before or at the time of utilising our service, we obtain your consent to the purposes for which we intend to use and disclose your personal information. If you do not give us consent, we may not be able to provide you with the products and services you want. Refer to the Disclosures section for details of the confidentiality arrangements that apply when functions are outsourced.

						Withdrawing consent

						Having provided consent, you are able to withdraw it at any time. To withdraw consent, please refer to the Further Information section below…Please note that withdrawing your consent may lead to us no longer being able to provide you with the product or service.

						Disclosures

						Depending on the product or service you require, we may obtain from, or exchange personal information with:

						credit reporting agency or other business that provides information about credit worthiness, credit reports containing personal or commercial credit information about you;
						all credit providers named in this application or that may be named in credit reports issued by a credit reporting agency;
						any employer named in this application to confirm employment details;
						any motor vehicle or drivers license registry in Australia;
						if required, the loan broker submitting this application on your behalf;
						external service providers that help us provide you with the products and services. They may include overseas organisations;
						auditors we appoint to ensure the integrity of our operations;
						any person acting on your behalf, including your financial adviser, solicitor and accountant, executor, administrator, trustee, guardian or attorney;
						your referee (to confirm details about you);
						regulatory bodies and government agencies;
						third party outsource organisations, including bulk mailing, market research, direct marketing, debt recovery, information technology and consultants.
						In circumstances where personal information may become known to our contractors, agents and outsourced service providers, there are confidentiality arrangements in place. Contractors, agents and outsourced service providers are not able to use or disclose personal information for any purposes other than out own.

						We take our obligation very seriously and we make every effort to deal only with parties who share and demonstrate the same attitude.

						Exchanging information with a credit reporting agency

						When you apply for credit, lenders need to be in a position to decide whether or not you are likely to repay. The decision will be based on your current financial position (including your other credit repayments) and on your credit history (whether in the past you have been a reliable re-payer). We will consider the information you give us when you fill out your application and may check that information with a credit reporting agency and with any other credit provider with whom you have had dealings.

						In checking with a credit reporting agency, we are looking to confirm the completeness and accuracy of information you have provided on your application form. Where the Privacy Act applies we can only give information about you to a credit reporting agency if we first have told you that we will do so, and we can only obtain information about you from a credit reporting agency if we have your consent.

						Personal Information Quality 
						Our goal is to ensure that the personal information we hold is accurate, complete and up-to-date. Please contact us if any of the details you have provided change. Please also contact us if you believe that the information we have about you is not accurate, complete or up-to-date.

						We may take steps to update personal information, for example, an address, by collecting personal information from publicly available sources, for example, telephone directories or electoral rolls.

						Personal Information Security 
						We strive to ensure the security, integrity and privacy of personally identifiable information of our customers. We use a variety of physical and electronic security measures including restricting physical access to our offices and firewalls and secure databases to keep personal information secure from misuse, loss or unauthorised use or disclosure.

						Telephone 
						We may monitor and record telephone calls for training and security purposes. You will be notified of any monitoring or recording at the commencement of each call.

						Access to Personal Information 
						You can request us to provide you with access to the personal information we hold about you.

						An access charge may apply, but not to the request itself. The charge is for the time we spend on locating, collating and explaining the information you request (generally based on a rate of $50 per hour or part thereof) plus any photocopying costs and out of pocket expenses (such as freight and traveling costs)

						Responding to an access request

						We will respond to your access request as soon as possible. We will endeavour to comply with your request within 21 days of its receipt but, if that deadline cannot be met owing to exceptional circumstances, your request will be dealt with within 30 days. It will help us provide access if you can tell us what you are looking for. Your identity must be confirmed before access is provided.

						Requests may be denied or limited

						If particular circumstances apply, we are permitted by the Privacy Act to deny your request for access, or limit the access we provide. We will let you know why your request is denied or limited. For example, we may give and explanation of a commercially-sensitive decision, rather than direct access to evaluative information connected with it.

						Where we hold your personal information in conjunction with that of another individual or individuals (e.g. where you jointly conduct an account), we will allow each individual access to their own personal information and to the joint information but not to the personal information of the other individual(s),

						Further Information 


						Contact natloans Pty Ltd ABN 83 121 936 776

						Level 1, 3 Chesterville Road, Cheltenham 3192

						Do you accept the privacy statement stated above?

Date: 5/2/2012
Signature

My Credit File

Interesting in having your own copy of your credit file?

You can buy your credit file right now

$19.95

First name
A value is required. Surname
A value is required.

I/we agree and acknowledge the terms of the Privacy Authorisation Agreement

natloans, Loans Act Authorisation Agreements

									This statement explains out Privacy Policy, the privacy rights of the applicant (you) and the rights and obligations of natloans (we) in relation to your personal information.

									We recognise the importance of protecting the privacy of your personal information. Our Privacy Policy complies with the National Privacy Principles in the Commonwealth Privacy Act 1988 as well as any other applicable laws and codes affecting your personal and credit information.

									Personal information is information or opinion that allows others to identify you. It includes your name, age, gender, contact details and financial information. We collect personal information to provide you with the products and services you request as well as information on other products and services offered by us. We only exchange personal information with external organisations that help us provide these products and services.

									We require your consent to use your personal information for these purposes. Without this consent, we may not be able to process the application or provide you with an appropriate level of service. You may request access to your personal information by contacting out Privacy Officer. (Our Privacy Policy is set out below.)

									By ticking this box you authorise us and our sub-distributors to:

									collect, maintain, use and disclose your personal information in accordance with our Privacy Policy;
									act as your agent in seeking access to your consumer credit information file held by a credit reporting agency:
									for an application, or proposed application by you for credit; or
									you having sought advice in relation to existing credit.
									Car Loans Online Privacy Policy
									The information in this document details how we comply with the requirements of the Privacy Act in protecting your personal information.

									Index
									Privacy Regulation
									Collection of Personal Information
									Disclosures
									Personal information quality
									Personal information security
									Telephone
									Access to personal information
									Further information

									Privacy Regulation 
									Privacy Act 1988

									The Commonwealth Government has enacted privacy legislation to protect information held by all credit providers (not just banks) about their customers personal credit dealings. Since 1991, under Part IIIA of the Privacy Act, credit providers have only been allowed to disclose information about personal credit dealings to certain classes of persons (such as another bank or a credit union) for certain very limited purposes.

									Privacy Amendment (Private Sector) Act 2000

									In December 2000, the Commonwealth Government enacted further privacy legislation, which commenced 21 December 2001, amending the Privacy Act (implementing the National Privacy Principles) to include provisions the regulate the way private sector organisations collect, use, disclose, keep secure and provide access to personal information.

									We protect your personal information in accordance with the National Privacy Principles.

									Collection of Personal Information 
									What is personal information?

									Personal information is information or an opinion, whether true or not, and whether recorded in a material form or not, about an individual whose identity is apparent, or can reasonably be ascertained, from the information or opinion.

									What we collect

									Personal information collected by us generally comprises, name, address, date of birth, gender, marital status, occupation, account details, contact details (including telephone, facsimile and e-mail) and financial information. Sometimes we collect a few personal details unlikely to be known to other people to help us identify you over the telephone.

									If you are applying for credit we may also collect the number and ages of dependants, the length of time at your current address, your employer's name and contact details, the length of your employment, proof of earnings and, if you have changed employer in the last few years, details of your previous employment. We use this information to assist in making responsible credit decisions. In addition, as required by Part IIIA of the Privacy Act 1988, we need your consent to collect, use and disclose credit information about you.

									Why we collect information

									Personal information is collected so that we may identify you and provide you with the products and services you require and, unless you tell us otherwise, to provide information on other products on offer.

									Personal information may also be used for:

									administering our customer relationships;
									monitoring and evaluating products and services
									gathering and aggregating information for statistical, prudential, actuarial and research purposes;
									assisting customers with queries; and
									taking measures to detect and prevent frauds and credit loss
									What if you provide incomplete or inaccurate information?

									We may not be able to provide you with the products or services you are seeking.

									Obtaining your consent

									In most cases, before or at the time of utilising our service, we obtain your consent to the purposes for which we intend to use and disclose your personal information. If you do not give us consent, we may not be able to provide you with the products and services you want. Refer to the Disclosures section for details of the confidentiality arrangements that apply when functions are outsourced.

									Withdrawing consent

									Having provided consent, you are able to withdraw it at any time. To withdraw consent, please refer to the Further Information section below…Please note that withdrawing your consent may lead to us no longer being able to provide you with the product or service.

									Disclosures

									Depending on the product or service you require, we may obtain from, or exchange personal information with:

									credit reporting agency or other business that provides information about credit worthiness, credit reports containing personal or commercial credit information about you;
									all credit providers named in this application or that may be named in credit reports issued by a credit reporting agency;
									any employer named in this application to confirm employment details;
									any motor vehicle or drivers license registry in Australia;
									if required, the loan broker submitting this application on your behalf;
									external service providers that help us provide you with the products and services. They may include overseas organisations;
									auditors we appoint to ensure the integrity of our operations;
									any person acting on your behalf, including your financial adviser, solicitor and accountant, executor, administrator, trustee, guardian or attorney;
									your referee (to confirm details about you);
									regulatory bodies and government agencies;
									third party outsource organisations, including bulk mailing, market research, direct marketing, debt recovery, information technology and consultants.
									In circumstances where personal information may become known to our contractors, agents and outsourced service providers, there are confidentiality arrangements in place. Contractors, agents and outsourced service providers are not able to use or disclose personal information for any purposes other than out own.

									We take our obligation very seriously and we make every effort to deal only with parties who share and demonstrate the same attitude.

									Exchanging information with a credit reporting agency

									When you apply for credit, lenders need to be in a position to decide whether or not you are likely to repay. The decision will be based on your current financial position (including your other credit repayments) and on your credit history (whether in the past you have been a reliable re-payer). We will consider the information you give us when you fill out your application and may check that information with a credit reporting agency and with any other credit provider with whom you have had dealings.

									In checking with a credit reporting agency, we are looking to confirm the completeness and accuracy of information you have provided on your application form. Where the Privacy Act applies we can only give information about you to a credit reporting agency if we first have told you that we will do so, and we can only obtain information about you from a credit reporting agency if we have your consent.

									Personal Information Quality 
									Our goal is to ensure that the personal information we hold is accurate, complete and up-to-date. Please contact us if any of the details you have provided change. Please also contact us if you believe that the information we have about you is not accurate, complete or up-to-date.

									We may take steps to update personal information, for example, an address, by collecting personal information from publicly available sources, for example, telephone directories or electoral rolls.

									Personal Information Security 
									We strive to ensure the security, integrity and privacy of personally identifiable information of our customers. We use a variety of physical and electronic security measures including restricting physical access to our offices and firewalls and secure databases to keep personal information secure from misuse, loss or unauthorised use or disclosure.

									Telephone 
									We may monitor and record telephone calls for training and security purposes. You will be notified of any monitoring or recording at the commencement of each call.

									Access to Personal Information 
									You can request us to provide you with access to the personal information we hold about you.

									An access charge may apply, but not to the request itself. The charge is for the time we spend on locating, collating and explaining the information you request (generally based on a rate of $50 per hour or part thereof) plus any photocopying costs and out of pocket expenses (such as freight and traveling costs)

									Responding to an access request

									We will respond to your access request as soon as possible. We will endeavour to comply with your request within 21 days of its receipt but, if that deadline cannot be met owing to exceptional circumstances, your request will be dealt with within 30 days. It will help us provide access if you can tell us what you are looking for. Your identity must be confirmed before access is provided.

									Requests may be denied or limited

									If particular circumstances apply, we are permitted by the Privacy Act to deny your request for access, or limit the access we provide. We will let you know why your request is denied or limited. For example, we may give and explanation of a commercially-sensitive decision, rather than direct access to evaluative information connected with it.

									Where we hold your personal information in conjunction with that of another individual or individuals (e.g. where you jointly conduct an account), we will allow each individual access to their own personal information and to the joint information but not to the personal information of the other individual(s),

									Further Information 


									Contact natloans Pty Ltd ABN 83 121 936 776

									Level 1, 3 Chesterville Road, Cheltenham 3192

									Do you accept the privacy statement stated above?

Date: 5/2/2012
Signature

Car Valuation

A quick and easy way to obtain the value of a car before you consider purchasing.

$9.95

First name
A value is required. Surname
A value is required.

I/we agree and acknowledge the terms of the Privacy Authorisation Agreement

natloans, Loans Act Authorisation Agreements

										This statement explains out Privacy Policy, the privacy rights of the applicant (you) and the rights and obligations of natloans (we) in relation to your personal information.

										We recognise the importance of protecting the privacy of your personal information. Our Privacy Policy complies with the National Privacy Principles in the Commonwealth Privacy Act 1988 as well as any other applicable laws and codes affecting your personal and credit information.

										Personal information is information or opinion that allows others to identify you. It includes your name, age, gender, contact details and financial information. We collect personal information to provide you with the products and services you request as well as information on other products and services offered by us. We only exchange personal information with external organisations that help us provide these products and services.

										We require your consent to use your personal information for these purposes. Without this consent, we may not be able to process the application or provide you with an appropriate level of service. You may request access to your personal information by contacting out Privacy Officer. (Our Privacy Policy is set out below.)

										By ticking this box you authorise us and our sub-distributors to:

										collect, maintain, use and disclose your personal information in accordance with our Privacy Policy;
										act as your agent in seeking access to your consumer credit information file held by a credit reporting agency:
										for an application, or proposed application by you for credit; or
										you having sought advice in relation to existing credit.
										Car Loans Online Privacy Policy
										The information in this document details how we comply with the requirements of the Privacy Act in protecting your personal information.

										Index
										Privacy Regulation
										Collection of Personal Information
										Disclosures
										Personal information quality
										Personal information security
										Telephone
										Access to personal information
										Further information

										Privacy Regulation 
										Privacy Act 1988

										The Commonwealth Government has enacted privacy legislation to protect information held by all credit providers (not just banks) about their customers personal credit dealings. Since 1991, under Part IIIA of the Privacy Act, credit providers have only been allowed to disclose information about personal credit dealings to certain classes of persons (such as another bank or a credit union) for certain very limited purposes.

										Privacy Amendment (Private Sector) Act 2000

										In December 2000, the Commonwealth Government enacted further privacy legislation, which commenced 21 December 2001, amending the Privacy Act (implementing the National Privacy Principles) to include provisions the regulate the way private sector organisations collect, use, disclose, keep secure and provide access to personal information.

										We protect your personal information in accordance with the National Privacy Principles.

										Collection of Personal Information 
										What is personal information?

										Personal information is information or an opinion, whether true or not, and whether recorded in a material form or not, about an individual whose identity is apparent, or can reasonably be ascertained, from the information or opinion.

										What we collect

										Personal information collected by us generally comprises, name, address, date of birth, gender, marital status, occupation, account details, contact details (including telephone, facsimile and e-mail) and financial information. Sometimes we collect a few personal details unlikely to be known to other people to help us identify you over the telephone.

										If you are applying for credit we may also collect the number and ages of dependants, the length of time at your current address, your employer's name and contact details, the length of your employment, proof of earnings and, if you have changed employer in the last few years, details of your previous employment. We use this information to assist in making responsible credit decisions. In addition, as required by Part IIIA of the Privacy Act 1988, we need your consent to collect, use and disclose credit information about you.

										Why we collect information

										Personal information is collected so that we may identify you and provide you with the products and services you require and, unless you tell us otherwise, to provide information on other products on offer.

										Personal information may also be used for:

										administering our customer relationships;
										monitoring and evaluating products and services
										gathering and aggregating information for statistical, prudential, actuarial and research purposes;
										assisting customers with queries; and
										taking measures to detect and prevent frauds and credit loss
										What if you provide incomplete or inaccurate information?

										We may not be able to provide you with the products or services you are seeking.

										Obtaining your consent

										In most cases, before or at the time of utilising our service, we obtain your consent to the purposes for which we intend to use and disclose your personal information. If you do not give us consent, we may not be able to provide you with the products and services you want. Refer to the Disclosures section for details of the confidentiality arrangements that apply when functions are outsourced.

										Withdrawing consent

										Having provided consent, you are able to withdraw it at any time. To withdraw consent, please refer to the Further Information section below…Please note that withdrawing your consent may lead to us no longer being able to provide you with the product or service.

										Disclosures

										Depending on the product or service you require, we may obtain from, or exchange personal information with:

										credit reporting agency or other business that provides information about credit worthiness, credit reports containing personal or commercial credit information about you;
										all credit providers named in this application or that may be named in credit reports issued by a credit reporting agency;
										any employer named in this application to confirm employment details;
										any motor vehicle or drivers license registry in Australia;
										if required, the loan broker submitting this application on your behalf;
										external service providers that help us provide you with the products and services. They may include overseas organisations;
										auditors we appoint to ensure the integrity of our operations;
										any person acting on your behalf, including your financial adviser, solicitor and accountant, executor, administrator, trustee, guardian or attorney;
										your referee (to confirm details about you);
										regulatory bodies and government agencies;
										third party outsource organisations, including bulk mailing, market research, direct marketing, debt recovery, information technology and consultants.
										In circumstances where personal information may become known to our contractors, agents and outsourced service providers, there are confidentiality arrangements in place. Contractors, agents and outsourced service providers are not able to use or disclose personal information for any purposes other than out own.

										We take our obligation very seriously and we make every effort to deal only with parties who share and demonstrate the same attitude.

										Exchanging information with a credit reporting agency

										When you apply for credit, lenders need to be in a position to decide whether or not you are likely to repay. The decision will be based on your current financial position (including your other credit repayments) and on your credit history (whether in the past you have been a reliable re-payer). We will consider the information you give us when you fill out your application and may check that information with a credit reporting agency and with any other credit provider with whom you have had dealings.

										In checking with a credit reporting agency, we are looking to confirm the completeness and accuracy of information you have provided on your application form. Where the Privacy Act applies we can only give information about you to a credit reporting agency if we first have told you that we will do so, and we can only obtain information about you from a credit reporting agency if we have your consent.

										Personal Information Quality 
										Our goal is to ensure that the personal information we hold is accurate, complete and up-to-date. Please contact us if any of the details you have provided change. Please also contact us if you believe that the information we have about you is not accurate, complete or up-to-date.

										We may take steps to update personal information, for example, an address, by collecting personal information from publicly available sources, for example, telephone directories or electoral rolls.

										Personal Information Security 
										We strive to ensure the security, integrity and privacy of personally identifiable information of our customers. We use a variety of physical and electronic security measures including restricting physical access to our offices and firewalls and secure databases to keep personal information secure from misuse, loss or unauthorised use or disclosure.

										Telephone 
										We may monitor and record telephone calls for training and security purposes. You will be notified of any monitoring or recording at the commencement of each call.

										Access to Personal Information 
										You can request us to provide you with access to the personal information we hold about you.

										An access charge may apply, but not to the request itself. The charge is for the time we spend on locating, collating and explaining the information you request (generally based on a rate of $50 per hour or part thereof) plus any photocopying costs and out of pocket expenses (such as freight and traveling costs)

										Responding to an access request

										We will respond to your access request as soon as possible. We will endeavour to comply with your request within 21 days of its receipt but, if that deadline cannot be met owing to exceptional circumstances, your request will be dealt with within 30 days. It will help us provide access if you can tell us what you are looking for. Your identity must be confirmed before access is provided.

										Requests may be denied or limited

										If particular circumstances apply, we are permitted by the Privacy Act to deny your request for access, or limit the access we provide. We will let you know why your request is denied or limited. For example, we may give and explanation of a commercially-sensitive decision, rather than direct access to evaluative information connected with it.

										Where we hold your personal information in conjunction with that of another individual or individuals (e.g. where you jointly conduct an account), we will allow each individual access to their own personal information and to the joint information but not to the personal information of the other individual(s),

										Further Information 


										Contact natloans Pty Ltd ABN 83 121 936 776

										Level 1, 3 Chesterville Road, Cheltenham 3192

										Do you accept the privacy statement stated above?

Date: 5/2/2012
Signature

Car Facts

A quick and easy way to obtain important information about a car before you consider purchasing it.

$14.95

First name
A value is required. Surname
A value is required.

I/we agree and acknowledge the terms of the Privacy Authorisation Agreement

natloans, Loans Act Authorisation Agreements

										This statement explains out Privacy Policy, the privacy rights of the applicant (you) and the rights and obligations of natloans (we) in relation to your personal information.

										We recognise the importance of protecting the privacy of your personal information. Our Privacy Policy complies with the National Privacy Principles in the Commonwealth Privacy Act 1988 as well as any other applicable laws and codes affecting your personal and credit information.

										Personal information is information or opinion that allows others to identify you. It includes your name, age, gender, contact details and financial information. We collect personal information to provide you with the products and services you request as well as information on other products and services offered by us. We only exchange personal information with external organisations that help us provide these products and services.

										We require your consent to use your personal information for these purposes. Without this consent, we may not be able to process the application or provide you with an appropriate level of service. You may request access to your personal information by contacting out Privacy Officer. (Our Privacy Policy is set out below.)

										By ticking this box you authorise us and our sub-distributors to:

										collect, maintain, use and disclose your personal information in accordance with our Privacy Policy;
										act as your agent in seeking access to your consumer credit information file held by a credit reporting agency:
										for an application, or proposed application by you for credit; or
										you having sought advice in relation to existing credit.
										Car Loans Online Privacy Policy
										The information in this document details how we comply with the requirements of the Privacy Act in protecting your personal information.

										Index
										Privacy Regulation
										Collection of Personal Information
										Disclosures
										Personal information quality
										Personal information security
										Telephone
										Access to personal information
										Further information

										Privacy Regulation 
										Privacy Act 1988

										The Commonwealth Government has enacted privacy legislation to protect information held by all credit providers (not just banks) about their customers personal credit dealings. Since 1991, under Part IIIA of the Privacy Act, credit providers have only been allowed to disclose information about personal credit dealings to certain classes of persons (such as another bank or a credit union) for certain very limited purposes.

										Privacy Amendment (Private Sector) Act 2000

										In December 2000, the Commonwealth Government enacted further privacy legislation, which commenced 21 December 2001, amending the Privacy Act (implementing the National Privacy Principles) to include provisions the regulate the way private sector organisations collect, use, disclose, keep secure and provide access to personal information.

										We protect your personal information in accordance with the National Privacy Principles.

										Collection of Personal Information 
										What is personal information?

										Personal information is information or an opinion, whether true or not, and whether recorded in a material form or not, about an individual whose identity is apparent, or can reasonably be ascertained, from the information or opinion.

										What we collect

										Personal information collected by us generally comprises, name, address, date of birth, gender, marital status, occupation, account details, contact details (including telephone, facsimile and e-mail) and financial information. Sometimes we collect a few personal details unlikely to be known to other people to help us identify you over the telephone.

										If you are applying for credit we may also collect the number and ages of dependants, the length of time at your current address, your employer's name and contact details, the length of your employment, proof of earnings and, if you have changed employer in the last few years, details of your previous employment. We use this information to assist in making responsible credit decisions. In addition, as required by Part IIIA of the Privacy Act 1988, we need your consent to collect, use and disclose credit information about you.

										Why we collect information

										Personal information is collected so that we may identify you and provide you with the products and services you require and, unless you tell us otherwise, to provide information on other products on offer.

										Personal information may also be used for:

										administering our customer relationships;
										monitoring and evaluating products and services
										gathering and aggregating information for statistical, prudential, actuarial and research purposes;
										assisting customers with queries; and
										taking measures to detect and prevent frauds and credit loss
										What if you provide incomplete or inaccurate information?

										We may not be able to provide you with the products or services you are seeking.

										Obtaining your consent

										In most cases, before or at the time of utilising our service, we obtain your consent to the purposes for which we intend to use and disclose your personal information. If you do not give us consent, we may not be able to provide you with the products and services you want. Refer to the Disclosures section for details of the confidentiality arrangements that apply when functions are outsourced.

										Withdrawing consent

										Having provided consent, you are able to withdraw it at any time. To withdraw consent, please refer to the Further Information section below…Please note that withdrawing your consent may lead to us no longer being able to provide you with the product or service.

										Disclosures

										Depending on the product or service you require, we may obtain from, or exchange personal information with:

										credit reporting agency or other business that provides information about credit worthiness, credit reports containing personal or commercial credit information about you;
										all credit providers named in this application or that may be named in credit reports issued by a credit reporting agency;
										any employer named in this application to confirm employment details;
										any motor vehicle or drivers license registry in Australia;
										if required, the loan broker submitting this application on your behalf;
										external service providers that help us provide you with the products and services. They may include overseas organisations;
										auditors we appoint to ensure the integrity of our operations;
										any person acting on your behalf, including your financial adviser, solicitor and accountant, executor, administrator, trustee, guardian or attorney;
										your referee (to confirm details about you);
										regulatory bodies and government agencies;
										third party outsource organisations, including bulk mailing, market research, direct marketing, debt recovery, information technology and consultants.
										In circumstances where personal information may become known to our contractors, agents and outsourced service providers, there are confidentiality arrangements in place. Contractors, agents and outsourced service providers are not able to use or disclose personal information for any purposes other than out own.

										We take our obligation very seriously and we make every effort to deal only with parties who share and demonstrate the same attitude.

										Exchanging information with a credit reporting agency

										When you apply for credit, lenders need to be in a position to decide whether or not you are likely to repay. The decision will be based on your current financial position (including your other credit repayments) and on your credit history (whether in the past you have been a reliable re-payer). We will consider the information you give us when you fill out your application and may check that information with a credit reporting agency and with any other credit provider with whom you have had dealings.

										In checking with a credit reporting agency, we are looking to confirm the completeness and accuracy of information you have provided on your application form. Where the Privacy Act applies we can only give information about you to a credit reporting agency if we first have told you that we will do so, and we can only obtain information about you from a credit reporting agency if we have your consent.

										Personal Information Quality 
										Our goal is to ensure that the personal information we hold is accurate, complete and up-to-date. Please contact us if any of the details you have provided change. Please also contact us if you believe that the information we have about you is not accurate, complete or up-to-date.

										We may take steps to update personal information, for example, an address, by collecting personal information from publicly available sources, for example, telephone directories or electoral rolls.

										Personal Information Security 
										We strive to ensure the security, integrity and privacy of personally identifiable information of our customers. We use a variety of physical and electronic security measures including restricting physical access to our offices and firewalls and secure databases to keep personal information secure from misuse, loss or unauthorised use or disclosure.

										Telephone 
										We may monitor and record telephone calls for training and security purposes. You will be notified of any monitoring or recording at the commencement of each call.

										Access to Personal Information 
										You can request us to provide you with access to the personal information we hold about you.

										An access charge may apply, but not to the request itself. The charge is for the time we spend on locating, collating and explaining the information you request (generally based on a rate of $50 per hour or part thereof) plus any photocopying costs and out of pocket expenses (such as freight and traveling costs)

										Responding to an access request

										We will respond to your access request as soon as possible. We will endeavour to comply with your request within 21 days of its receipt but, if that deadline cannot be met owing to exceptional circumstances, your request will be dealt with within 30 days. It will help us provide access if you can tell us what you are looking for. Your identity must be confirmed before access is provided.

										Requests may be denied or limited

										If particular circumstances apply, we are permitted by the Privacy Act to deny your request for access, or limit the access we provide. We will let you know why your request is denied or limited. For example, we may give and explanation of a commercially-sensitive decision, rather than direct access to evaluative information connected with it.

										Where we hold your personal information in conjunction with that of another individual or individuals (e.g. where you jointly conduct an account), we will allow each individual access to their own personal information and to the joint information but not to the personal information of the other individual(s),

										Further Information 


										Contact Natloas Pty Ltd ABN 83 121 936 776

										Level 1, 3 Chesterville Road, Cheltenham 3192

										Do you accept the privacy statement stated above?

Date: 5/2/2012
Signature

Our Credit Check service provides access to a comprehensive range of online credit reports which detail information on the credit worthiness of a company or business and its directors.

These services include:

Company Express

A quick and effective credit assessment of a company. We source this information from Veda Advantage and public record data.

$34.17

First name
A value is required. Surname
A value is required.

I/we agree and acknowledge the terms of the Privacy Authorisation Agreement

natloans, Loans Act Authorisation Agreements

										This statement explains out Privacy Policy, the privacy rights of the applicant (you) and the rights and obligations of natloans (we) in relation to your personal information.

										We recognise the importance of protecting the privacy of your personal information. Our Privacy Policy complies with the National Privacy Principles in the Commonwealth Privacy Act 1988 as well as any other applicable laws and codes affecting your personal and credit information.

										Personal information is information or opinion that allows others to identify you. It includes your name, age, gender, contact details and financial information. We collect personal information to provide you with the products and services you request as well as information on other products and services offered by us. We only exchange personal information with external organisations that help us provide these products and services.

										We require your consent to use your personal information for these purposes. Without this consent, we may not be able to process the application or provide you with an appropriate level of service. You may request access to your personal information by contacting out Privacy Officer. (Our Privacy Policy is set out below.)

										By ticking this box you authorise us and our sub-distributors to:

										collect, maintain, use and disclose your personal information in accordance with our Privacy Policy;
										act as your agent in seeking access to your consumer credit information file held by a credit reporting agency:
										for an application, or proposed application by you for credit; or
										you having sought advice in relation to existing credit.
										Car Loans Online Privacy Policy
										The information in this document details how we comply with the requirements of the Privacy Act in protecting your personal information.

										Index
										Privacy Regulation
										Collection of Personal Information
										Disclosures
										Personal information quality
										Personal information security
										Telephone
										Access to personal information
										Further information

										Privacy Regulation 
										Privacy Act 1988

										The Commonwealth Government has enacted privacy legislation to protect information held by all credit providers (not just banks) about their customers personal credit dealings. Since 1991, under Part IIIA of the Privacy Act, credit providers have only been allowed to disclose information about personal credit dealings to certain classes of persons (such as another bank or a credit union) for certain very limited purposes.

										Privacy Amendment (Private Sector) Act 2000

										In December 2000, the Commonwealth Government enacted further privacy legislation, which commenced 21 December 2001, amending the Privacy Act (implementing the National Privacy Principles) to include provisions the regulate the way private sector organisations collect, use, disclose, keep secure and provide access to personal information.

										We protect your personal information in accordance with the National Privacy Principles.

										Collection of Personal Information 
										What is personal information?

										Personal information is information or an opinion, whether true or not, and whether recorded in a material form or not, about an individual whose identity is apparent, or can reasonably be ascertained, from the information or opinion.

										What we collect

										Personal information collected by us generally comprises, name, address, date of birth, gender, marital status, occupation, account details, contact details (including telephone, facsimile and e-mail) and financial information. Sometimes we collect a few personal details unlikely to be known to other people to help us identify you over the telephone.

										If you are applying for credit we may also collect the number and ages of dependants, the length of time at your current address, your employer's name and contact details, the length of your employment, proof of earnings and, if you have changed employer in the last few years, details of your previous employment. We use this information to assist in making responsible credit decisions. In addition, as required by Part IIIA of the Privacy Act 1988, we need your consent to collect, use and disclose credit information about you.

										Why we collect information

										Personal information is collected so that we may identify you and provide you with the products and services you require and, unless you tell us otherwise, to provide information on other products on offer.

										Personal information may also be used for:

										administering our customer relationships;
										monitoring and evaluating products and services
										gathering and aggregating information for statistical, prudential, actuarial and research purposes;
										assisting customers with queries; and
										taking measures to detect and prevent frauds and credit loss
										What if you provide incomplete or inaccurate information?

										We may not be able to provide you with the products or services you are seeking.

										Obtaining your consent

										In most cases, before or at the time of utilising our service, we obtain your consent to the purposes for which we intend to use and disclose your personal information. If you do not give us consent, we may not be able to provide you with the products and services you want. Refer to the Disclosures section for details of the confidentiality arrangements that apply when functions are outsourced.

										Withdrawing consent

										Having provided consent, you are able to withdraw it at any time. To withdraw consent, please refer to the Further Information section below…Please note that withdrawing your consent may lead to us no longer being able to provide you with the product or service.

										Disclosures

										Depending on the product or service you require, we may obtain from, or exchange personal information with:

										credit reporting agency or other business that provides information about credit worthiness, credit reports containing personal or commercial credit information about you;
										all credit providers named in this application or that may be named in credit reports issued by a credit reporting agency;
										any employer named in this application to confirm employment details;
										any motor vehicle or drivers license registry in Australia;
										if required, the loan broker submitting this application on your behalf;
										external service providers that help us provide you with the products and services. They may include overseas organisations;
										auditors we appoint to ensure the integrity of our operations;
										any person acting on your behalf, including your financial adviser, solicitor and accountant, executor, administrator, trustee, guardian or attorney;
										your referee (to confirm details about you);
										regulatory bodies and government agencies;
										third party outsource organisations, including bulk mailing, market research, direct marketing, debt recovery, information technology and consultants.
										In circumstances where personal information may become known to our contractors, agents and outsourced service providers, there are confidentiality arrangements in place. Contractors, agents and outsourced service providers are not able to use or disclose personal information for any purposes other than out own.

										We take our obligation very seriously and we make every effort to deal only with parties who share and demonstrate the same attitude.

										Exchanging information with a credit reporting agency

										When you apply for credit, lenders need to be in a position to decide whether or not you are likely to repay. The decision will be based on your current financial position (including your other credit repayments) and on your credit history (whether in the past you have been a reliable re-payer). We will consider the information you give us when you fill out your application and may check that information with a credit reporting agency and with any other credit provider with whom you have had dealings.

										In checking with a credit reporting agency, we are looking to confirm the completeness and accuracy of information you have provided on your application form. Where the Privacy Act applies we can only give information about you to a credit reporting agency if we first have told you that we will do so, and we can only obtain information about you from a credit reporting agency if we have your consent.

										Personal Information Quality 
										Our goal is to ensure that the personal information we hold is accurate, complete and up-to-date. Please contact us if any of the details you have provided change. Please also contact us if you believe that the information we have about you is not accurate, complete or up-to-date.

										We may take steps to update personal information, for example, an address, by collecting personal information from publicly available sources, for example, telephone directories or electoral rolls.

										Personal Information Security 
										We strive to ensure the security, integrity and privacy of personally identifiable information of our customers. We use a variety of physical and electronic security measures including restricting physical access to our offices and firewalls and secure databases to keep personal information secure from misuse, loss or unauthorised use or disclosure.

										Telephone 
										We may monitor and record telephone calls for training and security purposes. You will be notified of any monitoring or recording at the commencement of each call.

										Access to Personal Information 
										You can request us to provide you with access to the personal information we hold about you.

										An access charge may apply, but not to the request itself. The charge is for the time we spend on locating, collating and explaining the information you request (generally based on a rate of $50 per hour or part thereof) plus any photocopying costs and out of pocket expenses (such as freight and traveling costs)

										Responding to an access request

										We will respond to your access request as soon as possible. We will endeavour to comply with your request within 21 days of its receipt but, if that deadline cannot be met owing to exceptional circumstances, your request will be dealt with within 30 days. It will help us provide access if you can tell us what you are looking for. Your identity must be confirmed before access is provided.

										Requests may be denied or limited

										If particular circumstances apply, we are permitted by the Privacy Act to deny your request for access, or limit the access we provide. We will let you know why your request is denied or limited. For example, we may give and explanation of a commercially-sensitive decision, rather than direct access to evaluative information connected with it.

										Where we hold your personal information in conjunction with that of another individual or individuals (e.g. where you jointly conduct an account), we will allow each individual access to their own personal information and to the joint information but not to the personal information of the other individual(s),

										Further Information 


										Contact natloans Pty Ltd ABN 83 121 936 776

										Level 1, 3 Chesterville Road, Cheltenham 3192

										Do you accept the privacy statement stated above?

Date: 5/2/2012
Signature

ASIC Extract

We have two services available to you:
ASIC Direct Current Extract
ASIC Current & Historical Extract

ASIC Direct Current Extract

Check a company's current incorporation details, directorship and any external administration details.

$29.27

First name
A value is required. Surname
A value is required.

I/we agree and acknowledge the terms of the Privacy Authorisation Agreement

natloans, Loans Act Authorisation Agreements

												This statement explains out Privacy Policy, the privacy rights of the applicant (you) and the rights and obligations of natloans (we) in relation to your personal information.

												We recognise the importance of protecting the privacy of your personal information. Our Privacy Policy complies with the National Privacy Principles in the Commonwealth Privacy Act 1988 as well as any other applicable laws and codes affecting your personal and credit information.

												Personal information is information or opinion that allows others to identify you. It includes your name, age, gender, contact details and financial information. We collect personal information to provide you with the products and services you request as well as information on other products and services offered by us. We only exchange personal information with external organisations that help us provide these products and services.

												We require your consent to use your personal information for these purposes. Without this consent, we may not be able to process the application or provide you with an appropriate level of service. You may request access to your personal information by contacting out Privacy Officer. (Our Privacy Policy is set out below.)

												By ticking this box you authorise us and our sub-distributors to:

												collect, maintain, use and disclose your personal information in accordance with our Privacy Policy;
												act as your agent in seeking access to your consumer credit information file held by a credit reporting agency:
												for an application, or proposed application by you for credit; or
												you having sought advice in relation to existing credit.
												Car Loans Online Privacy Policy
												The information in this document details how we comply with the requirements of the Privacy Act in protecting your personal information.

												Index
												Privacy Regulation
												Collection of Personal Information
												Disclosures
												Personal information quality
												Personal information security
												Telephone
												Access to personal information
												Further information

												Privacy Regulation 
												Privacy Act 1988

												The Commonwealth Government has enacted privacy legislation to protect information held by all credit providers (not just banks) about their customers personal credit dealings. Since 1991, under Part IIIA of the Privacy Act, credit providers have only been allowed to disclose information about personal credit dealings to certain classes of persons (such as another bank or a credit union) for certain very limited purposes.

												Privacy Amendment (Private Sector) Act 2000

												In December 2000, the Commonwealth Government enacted further privacy legislation, which commenced 21 December 2001, amending the Privacy Act (implementing the National Privacy Principles) to include provisions the regulate the way private sector organisations collect, use, disclose, keep secure and provide access to personal information.

												We protect your personal information in accordance with the National Privacy Principles.

												Collection of Personal Information 
												What is personal information?

												Personal information is information or an opinion, whether true or not, and whether recorded in a material form or not, about an individual whose identity is apparent, or can reasonably be ascertained, from the information or opinion.

												What we collect

												Personal information collected by us generally comprises, name, address, date of birth, gender, marital status, occupation, account details, contact details (including telephone, facsimile and e-mail) and financial information. Sometimes we collect a few personal details unlikely to be known to other people to help us identify you over the telephone.

												If you are applying for credit we may also collect the number and ages of dependants, the length of time at your current address, your employer's name and contact details, the length of your employment, proof of earnings and, if you have changed employer in the last few years, details of your previous employment. We use this information to assist in making responsible credit decisions. In addition, as required by Part IIIA of the Privacy Act 1988, we need your consent to collect, use and disclose credit information about you.

												Why we collect information

												Personal information is collected so that we may identify you and provide you with the products and services you require and, unless you tell us otherwise, to provide information on other products on offer.

												Personal information may also be used for:

												administering our customer relationships;
												monitoring and evaluating products and services
												gathering and aggregating information for statistical, prudential, actuarial and research purposes;
												assisting customers with queries; and
												taking measures to detect and prevent frauds and credit loss
												What if you provide incomplete or inaccurate information?

												We may not be able to provide you with the products or services you are seeking.

												Obtaining your consent

												In most cases, before or at the time of utilising our service, we obtain your consent to the purposes for which we intend to use and disclose your personal information. If you do not give us consent, we may not be able to provide you with the products and services you want. Refer to the Disclosures section for details of the confidentiality arrangements that apply when functions are outsourced.

												Withdrawing consent

												Having provided consent, you are able to withdraw it at any time. To withdraw consent, please refer to the Further Information section below…Please note that withdrawing your consent may lead to us no longer being able to provide you with the product or service.

												Disclosures

												Depending on the product or service you require, we may obtain from, or exchange personal information with:

												credit reporting agency or other business that provides information about credit worthiness, credit reports containing personal or commercial credit information about you;
												all credit providers named in this application or that may be named in credit reports issued by a credit reporting agency;
												any employer named in this application to confirm employment details;
												any motor vehicle or drivers license registry in Australia;
												if required, the loan broker submitting this application on your behalf;
												external service providers that help us provide you with the products and services. They may include overseas organisations;
												auditors we appoint to ensure the integrity of our operations;
												any person acting on your behalf, including your financial adviser, solicitor and accountant, executor, administrator, trustee, guardian or attorney;
												your referee (to confirm details about you);
												regulatory bodies and government agencies;
												third party outsource organisations, including bulk mailing, market research, direct marketing, debt recovery, information technology and consultants.
												In circumstances where personal information may become known to our contractors, agents and outsourced service providers, there are confidentiality arrangements in place. Contractors, agents and outsourced service providers are not able to use or disclose personal information for any purposes other than out own.

												We take our obligation very seriously and we make every effort to deal only with parties who share and demonstrate the same attitude.

												Exchanging information with a credit reporting agency

												When you apply for credit, lenders need to be in a position to decide whether or not you are likely to repay. The decision will be based on your current financial position (including your other credit repayments) and on your credit history (whether in the past you have been a reliable re-payer). We will consider the information you give us when you fill out your application and may check that information with a credit reporting agency and with any other credit provider with whom you have had dealings.

												In checking with a credit reporting agency, we are looking to confirm the completeness and accuracy of information you have provided on your application form. Where the Privacy Act applies we can only give information about you to a credit reporting agency if we first have told you that we will do so, and we can only obtain information about you from a credit reporting agency if we have your consent.

												Personal Information Quality 
												Our goal is to ensure that the personal information we hold is accurate, complete and up-to-date. Please contact us if any of the details you have provided change. Please also contact us if you believe that the information we have about you is not accurate, complete or up-to-date.

												We may take steps to update personal information, for example, an address, by collecting personal information from publicly available sources, for example, telephone directories or electoral rolls.

												Personal Information Security 
												We strive to ensure the security, integrity and privacy of personally identifiable information of our customers. We use a variety of physical and electronic security measures including restricting physical access to our offices and firewalls and secure databases to keep personal information secure from misuse, loss or unauthorised use or disclosure.

												Telephone 
												We may monitor and record telephone calls for training and security purposes. You will be notified of any monitoring or recording at the commencement of each call.

												Access to Personal Information 
												You can request us to provide you with access to the personal information we hold about you.

												An access charge may apply, but not to the request itself. The charge is for the time we spend on locating, collating and explaining the information you request (generally based on a rate of $50 per hour or part thereof) plus any photocopying costs and out of pocket expenses (such as freight and traveling costs)

												Responding to an access request

												We will respond to your access request as soon as possible. We will endeavour to comply with your request within 21 days of its receipt but, if that deadline cannot be met owing to exceptional circumstances, your request will be dealt with within 30 days. It will help us provide access if you can tell us what you are looking for. Your identity must be confirmed before access is provided.

												Requests may be denied or limited

												If particular circumstances apply, we are permitted by the Privacy Act to deny your request for access, or limit the access we provide. We will let you know why your request is denied or limited. For example, we may give and explanation of a commercially-sensitive decision, rather than direct access to evaluative information connected with it.

												Where we hold your personal information in conjunction with that of another individual or individuals (e.g. where you jointly conduct an account), we will allow each individual access to their own personal information and to the joint information but not to the personal information of the other individual(s),

												Further Information 


												Contact natloans Pty Ltd ABN 83 121 936 776

												Level 1, 3 Chesterville Road, Cheltenham 3192

												Do you accept the privacy statement stated above?

Date: 5/2/2012
Signature

ASIC Current & Historical Extract

Check a company's historical and current incorporation details, directorships and any external administration details.

$37.27

First name
A value is required. Surname
A value is required.

I/we agree and acknowledge the terms of the Privacy Authorisation Agreement

natloans, Loans Act Authorisation Agreements

													This statement explains out Privacy Policy, the privacy rights of the applicant (you) and the rights and obligations of natloans (we) in relation to your personal information.

													We recognise the importance of protecting the privacy of your personal information. Our Privacy Policy complies with the National Privacy Principles in the Commonwealth Privacy Act 1988 as well as any other applicable laws and codes affecting your personal and credit information.

													Personal information is information or opinion that allows others to identify you. It includes your name, age, gender, contact details and financial information. We collect personal information to provide you with the products and services you request as well as information on other products and services offered by us. We only exchange personal information with external organisations that help us provide these products and services.

													We require your consent to use your personal information for these purposes. Without this consent, we may not be able to process the application or provide you with an appropriate level of service. You may request access to your personal information by contacting out Privacy Officer. (Our Privacy Policy is set out below.)

													By ticking this box you authorise us and our sub-distributors to:

													collect, maintain, use and disclose your personal information in accordance with our Privacy Policy;
													act as your agent in seeking access to your consumer credit information file held by a credit reporting agency:
													for an application, or proposed application by you for credit; or
													you having sought advice in relation to existing credit.
													Car Loans Online Privacy Policy
													The information in this document details how we comply with the requirements of the Privacy Act in protecting your personal information.

													Index
													Privacy Regulation
													Collection of Personal Information
													Disclosures
													Personal information quality
													Personal information security
													Telephone
													Access to personal information
													Further information

													Privacy Regulation 
													Privacy Act 1988

													The Commonwealth Government has enacted privacy legislation to protect information held by all credit providers (not just banks) about their customers personal credit dealings. Since 1991, under Part IIIA of the Privacy Act, credit providers have only been allowed to disclose information about personal credit dealings to certain classes of persons (such as another bank or a credit union) for certain very limited purposes.

													Privacy Amendment (Private Sector) Act 2000

													In December 2000, the Commonwealth Government enacted further privacy legislation, which commenced 21 December 2001, amending the Privacy Act (implementing the National Privacy Principles) to include provisions the regulate the way private sector organisations collect, use, disclose, keep secure and provide access to personal information.

													We protect your personal information in accordance with the National Privacy Principles.

													Collection of Personal Information 
													What is personal information?

													Personal information is information or an opinion, whether true or not, and whether recorded in a material form or not, about an individual whose identity is apparent, or can reasonably be ascertained, from the information or opinion.

													What we collect

													Personal information collected by us generally comprises, name, address, date of birth, gender, marital status, occupation, account details, contact details (including telephone, facsimile and e-mail) and financial information. Sometimes we collect a few personal details unlikely to be known to other people to help us identify you over the telephone.

													If you are applying for credit we may also collect the number and ages of dependants, the length of time at your current address, your employer's name and contact details, the length of your employment, proof of earnings and, if you have changed employer in the last few years, details of your previous employment. We use this information to assist in making responsible credit decisions. In addition, as required by Part IIIA of the Privacy Act 1988, we need your consent to collect, use and disclose credit information about you.

													Why we collect information

													Personal information is collected so that we may identify you and provide you with the products and services you require and, unless you tell us otherwise, to provide information on other products on offer.

													Personal information may also be used for:

													administering our customer relationships;
													monitoring and evaluating products and services
													gathering and aggregating information for statistical, prudential, actuarial and research purposes;
													assisting customers with queries; and
													taking measures to detect and prevent frauds and credit loss
													What if you provide incomplete or inaccurate information?

													We may not be able to provide you with the products or services you are seeking.

													Obtaining your consent

													In most cases, before or at the time of utilising our service, we obtain your consent to the purposes for which we intend to use and disclose your personal information. If you do not give us consent, we may not be able to provide you with the products and services you want. Refer to the Disclosures section for details of the confidentiality arrangements that apply when functions are outsourced.

													Withdrawing consent

													Having provided consent, you are able to withdraw it at any time. To withdraw consent, please refer to the Further Information section below…Please note that withdrawing your consent may lead to us no longer being able to provide you with the product or service.

													Disclosures

													Depending on the product or service you require, we may obtain from, or exchange personal information with:

													credit reporting agency or other business that provides information about credit worthiness, credit reports containing personal or commercial credit information about you;
													all credit providers named in this application or that may be named in credit reports issued by a credit reporting agency;
													any employer named in this application to confirm employment details;
													any motor vehicle or drivers license registry in Australia;
													if required, the loan broker submitting this application on your behalf;
													external service providers that help us provide you with the products and services. They may include overseas organisations;
													auditors we appoint to ensure the integrity of our operations;
													any person acting on your behalf, including your financial adviser, solicitor and accountant, executor, administrator, trustee, guardian or attorney;
													your referee (to confirm details about you);
													regulatory bodies and government agencies;
													third party outsource organisations, including bulk mailing, market research, direct marketing, debt recovery, information technology and consultants.
													In circumstances where personal information may become known to our contractors, agents and outsourced service providers, there are confidentiality arrangements in place. Contractors, agents and outsourced service providers are not able to use or disclose personal information for any purposes other than out own.

													We take our obligation very seriously and we make every effort to deal only with parties who share and demonstrate the same attitude.

													Exchanging information with a credit reporting agency

													When you apply for credit, lenders need to be in a position to decide whether or not you are likely to repay. The decision will be based on your current financial position (including your other credit repayments) and on your credit history (whether in the past you have been a reliable re-payer). We will consider the information you give us when you fill out your application and may check that information with a credit reporting agency and with any other credit provider with whom you have had dealings.

													In checking with a credit reporting agency, we are looking to confirm the completeness and accuracy of information you have provided on your application form. Where the Privacy Act applies we can only give information about you to a credit reporting agency if we first have told you that we will do so, and we can only obtain information about you from a credit reporting agency if we have your consent.

													Personal Information Quality 
													Our goal is to ensure that the personal information we hold is accurate, complete and up-to-date. Please contact us if any of the details you have provided change. Please also contact us if you believe that the information we have about you is not accurate, complete or up-to-date.

													We may take steps to update personal information, for example, an address, by collecting personal information from publicly available sources, for example, telephone directories or electoral rolls.

													Personal Information Security 
													We strive to ensure the security, integrity and privacy of personally identifiable information of our customers. We use a variety of physical and electronic security measures including restricting physical access to our offices and firewalls and secure databases to keep personal information secure from misuse, loss or unauthorised use or disclosure.

													Telephone 
													We may monitor and record telephone calls for training and security purposes. You will be notified of any monitoring or recording at the commencement of each call.

													Access to Personal Information 
													You can request us to provide you with access to the personal information we hold about you.

													An access charge may apply, but not to the request itself. The charge is for the time we spend on locating, collating and explaining the information you request (generally based on a rate of $50 per hour or part thereof) plus any photocopying costs and out of pocket expenses (such as freight and traveling costs)

													Responding to an access request

													We will respond to your access request as soon as possible. We will endeavour to comply with your request within 21 days of its receipt but, if that deadline cannot be met owing to exceptional circumstances, your request will be dealt with within 30 days. It will help us provide access if you can tell us what you are looking for. Your identity must be confirmed before access is provided.

													Requests may be denied or limited

													If particular circumstances apply, we are permitted by the Privacy Act to deny your request for access, or limit the access we provide. We will let you know why your request is denied or limited. For example, we may give and explanation of a commercially-sensitive decision, rather than direct access to evaluative information connected with it.

													Where we hold your personal information in conjunction with that of another individual or individuals (e.g. where you jointly conduct an account), we will allow each individual access to their own personal information and to the joint information but not to the personal information of the other individual(s),

													Further Information 


													Contact natloans Pty Ltd ABN 83 121 936 776

													Level 1, 3 Chesterville Road, Cheltenham 3192

													Do you accept the privacy statement stated above?

Date: 5/2/2012
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