We’, ‘us’ and ‘our’ refer to Onebox Finance Pty Ltd, Pty Ltd BN 75722 5677 and our affiliates.
We are committed to maintaining the security and privacy of your personal information. This Policy documents our on-going commitment to you and has been developed in compliance with the Personal Information Protection and Electronic Documents Act, or any substantially similar provincial privacy legislation, if any, in the province in which you are located, such as British Columbia Personal Information Protection Act, as such laws may be amended, superseded or replaced from time to time (“Applicable Privacy Laws”).
When we refer to personal information, we mean information about an identifiable individual. This information may include information or an opinion about you. The personal information we hold about you may also include credit information.
Credit information is information which is used to assess your eligibility to be provided with finance and may include any finance that you have outstanding, your repayment history in respect of that finance, and any defaults. Usually, credit information is exchanged between credit and finance providers and credit reporting bodies.
The kinds of personal information we may collect about you include your name, date of birth, address, account details, occupation, and any other information we made need to identify you.
If you are applying for finance, we may also collect the ages and number of your dependants and cohabitants, the length of time at your current address, your employment details and proof of earnings and expenses.
We collect, hold, use and disclose your personal information to enable us to:
The purposes listed above are a reasonably necessary part of your relationship with us.
Where reasonable and practical we will collect your personal information directly from you. We may also collect your personal information from people such as tax advisers, accountants and finance brokers.
We will obtain your consent to collect, use or disclose personal information except where we are authorized or required by Applicable Privacy Laws and regulations to do so without consent.
Your consent may be express or implied, or given through your authorized representative.
Consent may be provided orally, in writing, electronically, or otherwise. For example, oral consent could be expressed over the telephone at the time information is being collected; electronically when submitting an agreement, application or other information; or in writing when signing an agreement or application form.
You may withdraw your consent at any time, subject to legal or contractual restrictions, provided reasonable written notice of withdrawal of consent is given by you to us. Upon receipt of your written notice, we will inform you of the likely consequences of the withdrawal, which may include our inability to provide certain products or services for which the delivery of that information is a prerequisite.
To enable us to maintain a successful business relationship with you, we may disclose your personal information to other organisations that provide products or services used by us. We may also disclose your personal information to any other organisation that has, or is considering having, an interest in your finance or in our business.
Where we are acting as an intermediary, we may disclose to any prospective credit provider, information about you that is reasonably necessary to obtain the finance you require (including credit-related information that a credit provider requires to enable it to assess your application for funding).
We may disclose your personal information for the purposes above to:
Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that the person or organisation has a commitment to protecting your personal information at least equal to our commitment.
We may use cloud storage to store the personal information we hold about you. The cloud storage and the IT servers may be located outside of Canada.
We may disclose your personal information to overseas entities that provide support functions to us. You may obtain more information about these entities by contacting us.
Where applicable and required by applicable laws, we will seek your express consent to send you communications in electronic form, including by way of commercial electronic messages. Please contact us at info@apx.capital if you have any questions. You can unsubscribe at any time from receiving commercial electronic messages by following the instructions in the message.
Even if you have opted out of receiving marketing communications from us, please be aware that we may still contact you for other purposes as permitted by Applicable Privacy Laws. For example, we may contact you to provide other forms of communications you have consented to receive, regarding the products or services we provide to you, or if you contact us with an inquiry, or communications that form part of our existing business relationship with you.
It is important to us that the personal information we hold about you is accurate and up to date.
During the course of our relationship with you we may ask you to inform us if any of your personal information has changed.
If you wish to make any changes to your personal information, you may contact us. We will generally rely on you to ensure the information we hold about you is accurate or complete.
We will provide you with access to the personal information we hold about you. You may request access to any of the personal information we hold about you at any time.
We may charge a fee for our costs of retrieving and supplying the information to you.
Depending on the type of request that you make, we may respond to your request immediately, otherwise we usually respond to you within seven days of receiving your request. We may need to contact other entities to properly investigate your request.
There may be situations where we are not required to provide you with access to your personal information; for example, if the information relates to existing or anticipated legal proceedings, or if your request is vexatious. We will provide an explanation to you if we deny you access to the personal information we hold about you.
If any of the personal information we hold about you is incorrect, inaccurate or out of date you may request that we correct the information. If appropriate, we will correct the personal information at the time of your request; otherwise, we will provide an initial response to you within seven days of receiving your request. Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the personal information within 30 days.
We may need to consult with other entities as part of our investigation.
If we refuse to correct personal information, we will provide you with our reasons for not doing so.
We will take reasonable steps to protect your personal information by storing it in a secure environment. We may store your personal information in paper and electronic form. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.
If you are dissatisfied with how we have dealt with your personal information, or you have a complaint about our compliance with Applicable Privacy Laws, you may contact our privacy officer in any of the following ways:
Telephone: 1604 2100 463
Address: Suite 15, Lot 14, North Terrace, Adelaide, South Australia 5000
Email: info@apx.capital
We will acknowledge your complaint within seven days. We will endeavour to provide you with a decision on your complaint within 30 days.
If you are dissatisfied with the response of our complaints officer you may make a complaint to the Privacy Commissioner. The Commissioner can be contacted at:
Office of the Privacy Commissioner of Canada
30 Victoria Street, Gatineau, QC K1A 1H3
Phone: 1-800-282-1376
https://www.priv.gc.ca/en/contact-the-opc/
You may request further information about the way we manage your personal information by contacting us.
We are constantly reviewing all of our policies and attempt to keep up to date with market expectations. Technology is constantly changing, as is the law and market practices. As a consequence, we may change this privacy policy from time to time.
This Privacy Policy is current as at 1st April, 2025.
