Total Biz Pty Ltd (ABN 78 624 937 882), Credit Licence number #506875 (referred to as “Total Biz Pty Ltd/we/us”) will collect, store, disclose and use personal information and credit information that you provide to us in accordance with the terms of this Privacy Consent and our Privacy Policy. You may obtain a copy of our Privacy Policy by contacting us on 1300 212 200 or by emailing us at admin@loansunlimited.com.au. By signing this document, you agree we can collect, hold, use and exchange personal and credit information about you for these stated purposes. The Privacy Policy also contains information on how you can complain about a breach of the privacy laws, how you can access or request to correct your personal and credit information that we hold about you and how to have that information amended.
What is personal information? Personal information is information or an opinion about an identifiable or reasonably identifiable person. The personal information we will collect and hold will include your name, date of birth, gender, telephone number, address, email, employment details and any other information we may need to identify you.
What is credit information? Credit information is personal information that relates to credit that a person has applied for or has been provided. The credit information that we will collect from you may include your records of credit that you have applied for (including the name of the credit provider, the type of credit and the amount of credit), default information or any other information that has a bearing on your credit worthiness used to determine your eligibility for credit. Credit information also include credit reporting information supplied to us by a credit reporting body and any information that we derive from it. We will collect, hold, disclose and use your personal and credit information to:
We may not be able to proceed with credit assistance without the ability to collect, hold, disclose and use your personal and credit information.
Identity & financial situation verification. We are required by the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth)to collect and use personal and credit information from you in order to identify you. We are also required by the National Consumer Credit Protection Act 2009 (Cth) to collect credit information and personal information about you and take reasonable steps to verify this, including your financial situation. This verification may include enquiring via a credit reporting body.
Authority to make requests. You authorise us to make requests for personal and credit information from credit providers and credit reporting bodies.
By signing this Privacy Consent, you consent to the credit providers listed in the schedule to this consent doing any of the following:
You acknowledge and agree that the information referred to above can include any information about your personal and/or commercial credit worthiness, credit standing, credit history or credit capacity which the Privacy Act 1988 (Cth) allows credit providers to give to or receive from each other.
Disclosures. We will disclose or exchange your personal and credit information to the following persons:
We will not disclose your personal and credit information to any overseas recipient.
Credit reporting bodies. We may exchange personal and credit information with a credit reporting body as detailed below:
Our current credit reporting body is Equifax you can contact them on phone 13 8332 during opening hours of Mon-Fri 8.30am to 6.00pm Eastern Standard Time. You can obtain their Privacy Policy from their website at www.equifax.com.au.
Credit providers. We may submit a credit application to credit providers listed in our ‘Credit Provider Schedule’. If a credit provider holds pertinent credit eligibility information, the credit provider must share this information with us, yourself or someone you have authorised to act on your behalf. Credit providers may also engage directly with a credit reporting body and you can ascertain the details on this and how they handle personal and credit information via their websites which are listed in our ‘Credit Provider Schedule’. If your credit application proceeds with a credit provider you may be asked again for your consent to collect, store and use your personal and credit information by this credit provider.
Aggregation partners. We have finance aggregation arrangements with the following entities who assist us in having access to a wide range of credit providers. We may utilise their systems as part of our credit assistance process and other platforms for potential ongoing client contact. We may also share your details as part of compliance audits.
Your rights. You have the right to ask:
To access and/or seek correction of your personal or credit information we hold, or make a complaint about privacy, you can contact us on phone number 1300 212 200 or by emailing us at admin@loansunlimited.com.au or registered post to Unit 15, 885 Albany Highway East Vic Park WA 6101.
Electronic communication. If you provide us with an email address or mobile phone number, you consent for us to use these details to send you, or make available to you, notices and relevant documents, including those from a credit provider or insurer. You are therefore responsible for maintaining appropriate software, hardware and associated processes to receive, access, review, print and save copies of such documents. This consent applies to all types of communication that is permitted by law to occur electronically. Therefore, paper (hard copy) documents may not be provided to you, unless we are obliged to by law. You must regularly check advised electronic communication mediums for communication from us. If your details change, you must promptly notify us.
Use of the WebChat and Scope of Data Processing
The AI Consultation is a computer program that answers questions about the services of Total Biz Pty Ltd through an online dialogue. The scope of information provided is limited to the products and services of Total Biz Pty Ltd. To ensure optimal service for the requested offerings, personal data may also be collected. The AI Consultation is additionally monitored by staff to ensure the quality of the consultation.
Processing is carried out fully automatically based on text analysis and machine learning, as well as through staff supervision and control.
Legal Basis for Data Processing
The described processing is based on Article 6(1)(f) of the GDPR. The legitimate interest lies in providing efficient and user-friendly consultation regarding Total Biz Pty Ltd’s services.
Duration of Storage
Qualimero stores your data for a period of 90 days. After this period, your data is deleted by Qualimero. Total Biz Pty Ltd may store your data until your inquiry is fulfilled and—for the case of any follow-up questions—for an additional 6 months. Should your inquiry result in a contract, the data will be stored for a longer period for that purpose.
Objection, Deletion, and Revocation Options
Users have the option to end data processing at any time by discontinuing the dialogue with the AI Consultant.
To object to the storage of any collected personal data at any time, please contact us and specify the data in question so that it can be identified in the data storage and subsequently deleted.
The revocation should be directed to the contact address listed under “Data Protection Officer.”
Integration of External Service
For the integration of this service, we use the provider https://www.qualimero.com (Qualimero Technologies GmbH, c/o TechHub.K67, Kasernenstraße 67, 40213 Düsseldorf, Germany). Information on data protection at Qualimero can be found here: https://www.qualimero.com/privacy-policy.
Loans Unlimited are Perth and Western Australia’s premier loan and finance brokers. We have helped thousands move towards their financial goals by offering lower rates and faster approvals when it matters. Financial services are provided by Total Biz Pty Ltd T/A Loans Unlimited ABN 78 624 937 882 ACL 506875.
* The comparison rate shown is for a secured loan amount of $30,000 over a term of 5 years based on monthly repayments. Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Any calculations or estimations do not constitute an offer of credit or a formal credit quote and is only a calculation of what you may be able to achieve based on the information you have entered. It does not take into account suitable product features or loan product types. Rates + repayments shown are based on user inputted data. All applications for credit must be verified prior to the formal assessment process. All applications for credit approval are subject to lender credit approval. Approval is not guaranteed.