‘We’, ‘us’ and ‘our’ refer to Onebox Finance Pty Ltd trading as APX Capital ACN [631 534 542] and our related bodies corporate.
We understand how important it is to protect your personal information. This document sets out our commitment in respect of personal information we hold about you and what we do with it.
Any personal information we collect about you will only be used for the purposes for which we collected it or as allowed by law. In addition, any personal information that we hold about you will be treated in a way that protects it.
With respect to protection of your personal information, we will comply with the requirements of the Privacy Act and any other relevant law applicable to us.
When we refer to personal information, we mean information from which your identity is reasonably apparent. This information may include information or an opinion about you. The personal information we hold about you may also include credit information.
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 dependents 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:
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.
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:
From time to time we may use your personal information to provide you with current information about finance, offers you may find of interest, changes to our organisation, or new products or services being offered by us or any company with whom we are associated.
If you do not wish to receive marketing information, you may at any time decline to receive such information by emailing us at [email protected] or post to Suite 15, Lot 14, North Terrace, Adelaide, South Australia 5000. If the direct marketing is by email you may also use the unsubscribe function. We will not charge you for giving effect to your request and will take all reasonable steps to meet your request as soon as possible.
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.
If we collect government identifiers, such as your tax file number, we will not use or disclose this information other than as required by law. We will never use a government identifier in order to identify you.
In most circumstances it will be necessary for us to identify you in order to successfully do business with you; however, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information – for example, if you make general inquiries about interest rates or current promotional offers.
We will only collect sensitive information about you with your consent. Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.
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 the Privacy Act, you may contact our complaints officer in any of the following ways:
Telephone: 1300 418296
Address: Suite 15, Lot 14, North Terrace, Adelaide, South Australia 5000
Email: [email protected]
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 Australian Information Commissioner
GPO Box 5218 Sydney NSW 2001
www.oaic.gov.au
Phone: 1300 363 992
Email: [email protected]
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 31 January 2024.
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