Please read carefully before accepting below.


5.1. Giving information to a Credit Reporting Agency (Section 18E(8)(c) Privacy Act 1988)We have informed you that we may give certain personal information about you to a credit reporting agency.


5.2. Access to Commercial Credit Information (Section 18L(4) Privacy Act 1988)You agree that we may obtain information about you from a business which provides information about the commercial credit worthiness of persons for the purpose of assessing your application for consumer credit.


5.3. Access to Consumer Credit Information (Section 18K(1)(b), Privacy Act 1988)You agree that we may obtain a consumer credit report containing information about you from a credit reporting agency for the purpose of assessing your application for commercial credit.


5.4. Exchange of Credit Worthiness Information (Section 18N, Privacy Act 1988)You agree that we may exchange information with those credit providers named in this application or named in a consumer credit report issued by a credit reporting agency for the following purposes;
* to assess an application by you for credit
* to notify other credit providers of a default by you
* to exchange information with other credit providers as to the status of this loan where you are in default with other credit providers* to assess your credit worthiness.

You understand that the information exchanged can include anything about your credit worthiness, credit standing, credit history or credit capacity that credit providers are allowed to exchange under the Privacy Act


5.5. Agreement to a credit provider being given a consumer credit report by a credit reporting agency to assess a guarantor (Section 18K 1(c) Privacy Act 1988). You agree that we may obtain from a credit reporting agency a consumer credit report containing information about you for the purpose of assessing whether to accept you as a guarantor for credit applied for by, or provided to, the borrower(s) named in the relevant agreement. You agree that the borrower’s agreement commences from the date of this agreement and continues until the credit covered by the borrower(s) application ceases.


5.6. Agreement to a credit provider disclosing a report including a consumer credit report to potential or existing guarantor (Section 18K (1) Privacy Act 1988). You agree that we may give to a person who is currently a guarantor, or whom you have indicated is considering becoming a guarantor, a credit report containing information about you for the purpose of [name of prospective guarantor] deciding whether to act as a guarantor, or to keep [name of existing guarantor] informed about the guarantee. You understand that the information disclosed can include anything about your credit worthiness, credit standing, credit history or credit capacity that credit providers are allowed to disclose under the Privacy Act, and includes a credit report.