Privacy Disclosure Statement, Consent & Privacy Policy

Growth Partners Structured Finance Pty Ltd T/As GPS Finance Group

Licensee Details - Contact Details

Growth Partners Structured Finance Pty Ltd T/As GPS Finance Group
ABN: 91 480 780 022
ACN: 693 236 967
8 Water St, Birchgrove, NSW 2041
Phone: 0487 964 316

Authorised Credit Representative #0005757971 of Australian Credit Licence #414426 (AFAS Group Pty Ltd, ABN 12 134 138 686)

Overview - Privacy

Growth Partners Structured Finance Pty Ltd, ACN 693 236 967, (‘we’, ‘us’, ‘our’) collects information about you for the purpose you agree to in this Privacy Disclosure Statement and Consent. When you sign below, you agree we can, consistently with Australia’s privacy and credit reporting laws, collect, use and exchange credit and personal information about you for those purposes.

We are collecting credit and personal information (information) about you, as applicable:

To source for you, or a company of which you are a director:

• Consumer credit for personal, household, domestic or residential investment purposes;
• Commercial credit for business purposes; or
• Other services stated in this Privacy Disclosure Statement and Consent (Consent); or
• To support a guarantor application you will provide.

As your broker, we require the information we collect from you to assess your credit, or guarantor, application or the credit application of a company of which you are a director, source a suitable credit provider and any required insurances and to manage the application process, where required. If you do not provide the information sought we may be unable to process your application, or the company’s application, or we may be limited in the other services we can offer you or the company.

Your information – Collection and Credit Reporting Body (‘CRB’) Disclosures

When we collect information from you in the credit application process, we use that information in a number of ways to assess your credit application and to source a suitable credit provider or lessor/or insurance provider.

• We may: Disclose your identification information to a CRB if you wish us to obtain a report on your behalf.
• Use any information the CRB provides in that report to assist us to preliminary assess your consumer credit or guarantor application.
• Disclose your personal information to an insurer or insurers to source any insurances you wish to obtain.
• Disclose your credit information to a credit provider to apply for finance on your behalf.

The information we obtain from you is used, subject to compliance with Australia’s privacy and credit reporting laws, only for the purposes listed in this Consent and is not disclosed to any other person except with your permission or as permitted, or required, by law.

Credit Providers

As part of providing our services to you, we may undertake tasks for a credit provider which is reasonably necessary to manage the application process. When doing so, we are acting as an intermediary for the credit provider, with the same privacy law requirements applying to both of us.

We may submit your application to one or more credit providers. Those credit providers and their website addresses are set out in the Schedule at the end of this document.

A credit provider, to whom we submit an application, may disclose information about you to, and collect information about you from, from one or more CRBs.

The website of each credit provider contains details of each CRB with which it deals, and the information held about you and describes your key rights. This detail may be described on the credit providers’ websites as ‘notifiable matters’, ‘privacy policy’, ‘credit reporting policy’ or privacy disclosure statement and consent’, and includes –

• That the CRB may include information the credit provider discloses about you to other credit providers to assess your credit worthiness.
• That, if you become overdue in making consumer credit payments you commit a serious credit infringement, the credit provider may disclose that information to a CRB
• How you can obtain the credit providers and/or CRB’s policies about managing your credit information
• Your right to access and/or correct information held about you and to complain about conduct that may breach the privacy and credit reporting laws
• Your right to request a CRB not to undertake pre-screening for purposes of direct marketing by a credit provider
• Your right to request a CRB not to release information about you if you believe you are a victim of fraud

This detail will also be included by the credit provider who approves your application in the privacy disclosure statement and consent document it will provide to you.

Each credit provider website includes information on how to contact the credit provider and how to obtain a copy of its privacy documents in a form that suits you (e.g. hardcopy or email).

Your Rights

You have the right to ask:

• Us to provide you with all the information we hold about you.
• Us to correct the information we hold if it is incorrect.
• Us for copies of our privacy policy and this document, in a form that suits you (e.g. hardcopy or email).
• The CRB to not use your information for direct marketing assessment purposes, including pre-screening.
• The CRB to provide you with a copy of the information it holds about you.

You can gain access to the information we hold about you by contacting our Privacy Officer at 8 Water St, Birchgrove, NSW 2041. Or by telephone on 0487 964 316 or email at kk@gpsfinance.com.au. In some cases an administration fee may be charges to cover the cost of providing the information.

Our privacy policy is available and we will provide you with a copy if you ask us.

Disclosure and Consent

By Signing below, you agree we may:

Use your personal and credit information:

• To assess your consumer or commercial credit and/or guarantee application and/or to assess a credit application by a company of which you are a director.
• To source any finance you require.
• To source any insurance you require.

As the law authorises or requires:

• Disclose to, and obtain from, any prospective credit provider or insurer, information about you that is reasonably necessary to obtain the finance and insurances required;
• Obtain from, and disclose to, any third-party information about you, the applicant(s) or guarantors(s) that is reasonably necessary to assist you obtain the finance and insurances required;
• Provide your information, including your credit report(s), to one or more of the credit providers specified in the Schedule of Credit Providers below so they can assess your application, or the application of a company of which you are a director, or your suitability as a guarantor;
• Provide credit information about you to a guarantor, or prospective guarantor;
• Provide you, or the company of which you are a director with offers or information of other goods or services we, or any of our associated entities, may be able to provide to you or the company, unless you tell us not to;
• Disclose your personal and credit information to the extent permitted by law to other organisations that provide us with services, such as contractors, agents, printers, mail houses, lawyers, document custodians, securitises and computer systems consultants or providers, so they can perform those services for us; and
• Disclose your personal information to any other organisation that may wish to acquire, or has acquired, an interest in our business or any rights under your contract with us, or the contract with us of a company of which you are a director.

You also agree and consent to, as appropriate:

• A CRB disclosing consumer credit information to one or more Credit Providers below for the purpose of assessing your application for consumer or commercial credit or your guarantor application, and/or assessing a credit application by a company of which you are a director.
• A credit provider using that information to assess your suitability as a guarantor when you are a prospective guarantor.
• A credit provider disclosing your credit information (including information obtained by it from a CRB) to a guarantor, or a prospective guarantor.
• A credit provider disclosing to another credit provider, for a particular purpose, information it holds about you.

Where the applicant, or guarantor, is a company of which you are a director, you consent to the use of your information, in addition to the company’s information, in each of the ways listed above.

Authorisation

By signing below, you also authorise us to make a request on your behalf to obtain credit reporting information about your consumer and commercial credit worthiness from a CRB. That information will assist us in providing our services to you. This authorisation ceases when we undertake a task on behalf of a credit provider.

If you have a complaint

Internal Dispute Resolution

Within our business we follow specific procedures to try to resolve any complaints that you may have. If you have a complaint, please contact our office via email at kk@gpsfinance.com.au. They will try to resolve all concerns quickly and fairly.

External Dispute Resolution

In the unlikely event we cannot resolve your complaint in a satisfactory manner, or you have not received a response from us after 45 days, you can escalate your complaint to the below Ombudsman, a free and independent dispute resolution service provider.

Australian Financial Complaints Authority (AFCA)
Free call number: 1800 931 678
A copy of AFCA’s dispute resolution policy is available at https://www.afca.org.au.
GPS Finance Group’s membership number is 119860.

You can check the information we hold about you at any time by contacting our Privacy Officer.

Privacy Officer
GPS Finance Group
8 Water St, Birchgrove, NSW 2041
Email: kk@gpsfinance.com.au
Phone: 0487 964 316

Additional Privacy Policy Matters

General

References to "Company", in this policy mean Growth Partners Structured Finance Pty Ltd atft Phadke-Neelamraju Family Trust (ABN 91 480 780 022) trading as www.gpsfinance.com.au, along with all its subsidiaries, related entities, or controlled entities. The context will determine whether 'Company' refers to one or multiple entities. References to the singular ('I' or 'me') include the plural ('We' or 'us').

This privacy policy outlines our compliance with the Privacy Act 1988 (Privacy Act). Terms 'personal information' and 'information' are used interchangeably, following the definition in section 6 of the Privacy Act.

Company collects personal information to provide requested products and services and information about other products and services offered by or through us. We protect your personal information in accordance with the Australian Privacy Principles (APP) under the Privacy Act, available at: https://www.oaic.gov.au/privacy and any applicable industry privacy code.

Why We Collect Information

Company collects information for purposes reasonably necessary for or directly related to our business functions or activities. These include:

• Providing products and services requested by customers, and monitoring, evaluating, and delivering products and services.
• Assisting with queries, resolving complaints, managing information access requests, or handling legal actions involving Company.
• Managing customer relationships, accounts, and performing administrative tasks (e.g., risk management, system development, credit scoring, staff training, debt collection, and market research).
• Offering information about products and services from Company, affiliated providers, and external providers we represent (unless the customer opts out).
• Complying with legal obligations, such as the National Consumer Credit Protection Act 2009, the Privacy Act, and the Anti-Money Laundering and Counter-Terrorism Financing Act 2006.
• Identifying customers or establishing tax status under Australian or foreign legislation, regulation, or treaties, or agreements with tax authorities.
• Gathering and aggregating information for statistical, prudential, actuarial, and research purposes.
• Developing and implementing measures to detect or prevent fraud and credit loss.
• Assisting with marketing and promotional purposes, including disclosing personal information to third parties, contractors, or organizations aiding our marketing and promotion efforts.

Additionally, under Part IIIA of the Privacy Act, we may obtain your consent to collect, use, and disclose information about you. If you do not provide the required information, we may be unable to offer you the requested goods and services.

What We Collect

Company collects personal information such as name, address, date of birth, gender, marital status, occupation, account details, contact details (telephone, facsimile, email), and financial information. We may also collect personal details for identification purposes over the telephone.

For credit applications, we may collect information about your dependents, current address duration, employer's details, length of employment, proof of earnings, and previous employment details if applicable.

Disclosure

Company will not disclose your information to government agencies, private sector organizations, or anyone else unless:

• You have consented, including under the Disclosure and Consent and Additional Authority sections above.
• You would reasonably expect or have been informed that such information is usually disclosed.
• It is required or authorized by law.
• Your actions imply consent to the disclosure of information.
• It will prevent or lessen a serious and imminent threat to someone's life or health.
• It is reasonably necessary for law enforcement, protection of public revenue, or investigation of fraud, unlawful activity, or misconduct.

Depending on the product or service, we may disclose information to:

• Affiliated and external product and service providers.
• Appointed auditors.
• Individuals acting on your behalf (e.g., financial adviser, solicitor).
• Your employer, referees, guarantors, or potential guarantors.
• Regulatory bodies, government agencies, or courts.
• Participants in the payment system and financial institutions.
• Insurers.
• Joint borrowers or account holders.
• Credit reporting bodies or debt collection agencies.
• Other financial institutions and organizations.
• Potential business or asset acquirers.
• Suppliers.
• Other credit providers and alternate service providers, where you have given the applicable authority.
• Providers of a market for the sale or distribution of customer data, where you have given the applicable authority.
• Other specified organizations or individuals.

Identity Verification and Credit Checks

Company is legally required to conduct identity verification and credit checks under legislation like the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 and the National Consumer Credit Protection Act 2009. Information from online or in-store applications may be used to verify details and conduct credit checks, including e-verification.

Consent for these checks will be sought during the application process. If there is a partial or no match, further documentation may be required for verification.

We may also access and collect your financial records from your financial institutions via an online portal with your consent. This service removes the need for physical financial statements.

If you fail to meet a payment obligation or commit a serious credit infringement, we may disclose this to a credit reporting body. You may request a credit reporting agency not to use your information for pre-screening direct marketing or if you believe you are a victim of fraud.

You have the right to request a copy of your credit reporting information once a year or if it relates to our refusal of credit.

We may disclose information to the following credit reporting bodies:

• Equifax Pty Ltd: http://www.equifax.com.au/privacy
• illion Australia Pty Ltd: https://www.illion.com.au/privacy-policy/
• Experian Asia Pacific Pty Ltd: http://www.experian.com.au/privacy-policy/

Website Data

When visiting the Company website, our system may record information provided by your browser, including:

• Date and time of visit.
• Browser type and operating system.
• Internet Service Provider and top-level domain name.
• Referring web address.
• IP address.

Website data is kept confidential and used for internal research, analytics, security, service improvement, advertising measurement and other purposes described in this policy.

Cookies

Our websites may send a "cookie" to your computer, providing a unique identification number. Cookies help us interact more effectively with your computer. They may be session cookies (lasting until you close your browser) or persistent cookies (stored longer term). Cookies do not necessarily identify individual users.

You can configure your browser to accept, reject, or notify you of cookies. Rejecting all cookies may limit website functionality.

Links to Other Websites

Our websites may link to non-Company websites. We encourage you to read and understand the privacy policies of linked websites before providing information to them.

Advertising & Performance Tracking

We use advertising companies and analytics or performance measurement services to deliver, measure and improve online advertising and website performance. Cookies, tags and similar technologies may collect information such as server details, browser type, visit date and time, referring information, device or network information and marketing performance. Information may also be collected about website usage for advertising effectiveness and consumer interest studies.

These services may include Google Analytics and Google Ads, Microsoft Advertising UET, Microsoft Clarity, Meta Pixel and similar analytics or advertising technologies. They may use cookies, device identifiers, click identifiers and other online identifiers to measure visits, advertising performance, conversions and website usage. You can control or block cookies through your browser settings.

Overseas Storage and Delivery of Information

Company may use third-party platforms for information delivery and storage at secure locations in Australia, Singapore, the United Kingdom, the United States, Ireland, or Hong Kong. These third-party providers use secure systems and processes equivalent to those required under the Australian Privacy Principles.

Telephone

We may monitor and record telephone calls for training and security purposes.

Email and Direct Marketing

We will preserve the content of any email that you send us if we are legally required to do so. Where appropriate, we may record your email address against the relevant company name on our confidential customer database.

Your email address may be used to send you information that you have requested, as necessary to complete a transaction or application, and for marketing purposes where permitted by law and consistent with the consents you have given.

Company will not send you unsolicited email information related to marketing and promotional purposes where you have opted out of receiving such communication, offers or advertisements. This does not limit any separate authority you give under the Additional Authority – Exchange, Sale and Distribution of Customer Data section above.

Marketing emails sent by Company will provide an option to unsubscribe where required.

Security of Information

Company takes reasonable care to protect personal information collected or submitted, both physically and digitally. We regularly review security and encryption technologies. However, data transmission over the Internet cannot be guaranteed as totally secure. Upon receiving your transmission, we take steps to secure the information in our customer database.

Acceptance and Changes to Privacy Policy

Your use of the Company website or products indicates acceptance of this Privacy Policy. Where a particular use or disclosure requires specific consent, including the Additional Authority – Exchange, Sale and Distribution of Customer Data above, that consent will be obtained separately where required. This policy replaces any previous versions. Company may vary the Privacy Policy by publishing changes on the Company website, providing sufficient notice of the variation.

Schedule Of Credit Providers

Contact Us

For questions, further information, to withdraw an authority where withdrawal is available, or to exercise your rights regarding our privacy practices and policies, please contact our Privacy Officer at:

The Privacy Officer
Growth Partners Structured Finance Pty Ltd T/As GPS Finance Group
8 Water St
Birchgrove NSW 2041
Phone: +61 487 964 316
Email: kk@gpsfinance.com.au

Our Privacy Officer will address your concerns within a reasonable period and provide access to information in the manner requested, if practical.