Privacy Policy

URBAN FINANCE Pty Ltd (URBAN FINANCE) and its associated entities aim to provide its customers with the best  possible products and service. To achieve this, we aim to make efficient use of the personal information we  collect from our customers.  

We also want our customers to have confidence that in handling personal information, we afford that  information an appropriate level of privacy, consistent with the National Privacy Principles, and the Australian  Privacy Principles.  

Who are we?

URBAN FINANCE PTY LTD ACN: 637 705 009  

We trade as CARMOTO and Clear Asset Finance.  

What is Personal Information? 

Personal Information is any information about an individual that identifies them or by which their identity can  reasonably be ascertained.  

Why personal information is collected by URBAN FINANCE? 

URBAN FINANCE collects the personal information it needs to provide the products and services it offers. Those  products and services include various types, insurance products and other financial services within Australia.  

URBAN FINANCE also collects personal information about its customers, so that it can complete business  transactions, purchase products and services, administer accounts, provide customer support, respond to  customer inquiries and requests for product information and meet regulatory requirements.  

If URBAN FINANCE is unable to collect personal information from or about an individual, it may not be able to do  business with that individual or the organisation with which the individual is connected.  

How does URBAN FINANCE collect personal information? 

Where possible, URBAN FINANCE will collect personal information directly from the individual it relates to. This may  take place in a number of ways, such as when an application for a product or service is completed or a product  or service is requested over the telephone or internet.  

We will also collect personal information during the course of our relationship with customers, for example where  loan arrangements with us are varied, or new information is supplied and verified.  

Sometimes, personal information may be collected from a source other than the individual to which it relates.  Some examples are:  

  • where we obtain a credit report about an individual from a credit reporting agency in the  course of assessing a loan application;  
  • from an accountant where we approach the accountant in assessing a loan application;
  • where an individual is an officer of a company that has applied for finance with us, we may  obtain information about the officer from public records or from other officers of the company  who arrange the company’s finance application  

Do we disclose personal information to anyone else? 

In providing our customers with their chosen product or service, URBAN FINANCE may sometimes need to  disclose personal information to others. Examples of the types of organisations we may need to disclose  information to in the course of providing a product or service are:  

  • parties outside URBAN FINANCE where that party is contracted to us to provide a particular  service on our behalf and is bound by the same privacy rules we follow.  

Some examples of the kinds of organisations contracted by and to URBAN FINANCE are:  

  • mailing houses for bulk mailing of letters and notices;  
  • Credit reporting agencies.  
  • printers for direct marketing material  
  • debt collection agencies; and
  • Financiers
  • Insurers

Those contracted parties are not authorised by URBAN FINANCE to use personal information for anything other  than the purpose for which URBAN FINANCE supplies that information to them.  

Sometimes, the law requires us to disclose personal information. For example, information may be disclosed to a  court in response to a subpoena or to a Government agency such as the Australian Taxation Office on receipt of  a direction issued under taxation laws.  

We may also disclose an individual’s personal information where the individual consents to us doing so. That  consent may be written, verbal or implied from the individual’s conduct.  

URBAN FINANCE will not disclose personal information to overseas recipients.  

Direct marketing 

From time to time, we may use personal information to inform our customers about our products and services  including special offers. We may also send our customers material relating to joint promotions with dealers and  other business associates of URBAN FINANCE of our respective products and services.  

If an individual does not wish to receive this information, they just need to let us know by contacting the URBAN  FINANCE customer service line on 1300 62 56 56  

Once an individual lets us know that they no longer wish to receive this information, we will stop sending it. The  individual can change their mind about receiving information about our products and services at any time. They  just need to let us know by phoning the above number.  

If the law requires us to provide our customers with information about our products or services, we will provide  that information even if an individual has elected not to receive information about our products and services  generally.  

Ensuring personal information is up-to-date 

We rely on the personal information we hold in conducting our business. Therefore, it is very important that the  information we hold is accurate, complete and up-to-date.  

We take reasonable steps to ensure that the personal information we hold is accurate complete and up-to-date  whenever we collect or use it. This means that from time to time, we will ask individuals to tell us if there are any  changes to their personal information. If an individual finds that information we hold about them is incorrect,  they should contact us immediately and we will correct it. 

Security of personal information 

The security of information is important to URBAN FINANCE and we take all reasonable precautions to protect  personal information from misuse, loss, unauthorised access, modification or disclosure.  

Some of the ways we protect personal information include:  

  • external and internal premises security;  
  • restricted access to personal information to staff who need it to perform their day to day  functions;  
  • maintaining technology products to prevent unauthorised computer access including  identifiers and passwords; and  
  • maintaining physical security over paper records.  

Access to and correction of personal information by individuals  

An individual can access most of the personal information URBAN FINANCE holds about them.  

If an individual request URBAN FINANCE to correct personal information we hold in relation to the individual, we  will take reasonable steps to correct the personal information to ensure that, having regard to the purpose for  which it is held, the information is accurate, up to date, complete, relevant and not misleading.  

Information can be accessed, and a request to correct the personal information made, by contacting URBAN  FINANCE customer service on 1300 62 56 56  

Depending on the amount of information requested to be accessed, URBAN FINANCE may charge an access fee  to cover the cost of retrieving the information and supplying it to the person who has requested access.  

Access to personal information may be refused in a number of circumstances, such as where the information  relates to anticipated legal proceedings or the request for access is frivolous or vexatious. If we deny or restrict  an individual’s access, we will explain why.  

The type of personal information we collect on our website depends on how an individual makes use of the  site. 

When an individual visits the site, URBAN FINANCE records the individual’s server address, domain name, the date  and time of the visit and the pages viewed. This information may be collected by using cookies (data sent to the  user’s browser, which generally allows our site to interact more efficiently with the user’s computer). If an  individual disables the use of cookies, the use of our site by that individual may be affected. Information  collected about an individual’s visit to the URBAN FINANCE site is retained for statistical and website development  reasons and is not in a form, which would enable us to identify the individual to which the information relates.  

An individual who visits the site will not be required to provide URBAN FINANCE with any personal information  unless that individual requests information about a URBAN FINANCE product or service. In that case, we will ask  the individual to provide contact details along with other information required to respond to the individual’s  request. The information provided may also be retained for product planning purposes, and unless the relevant  individual asks us not to do so, for marketing purposes.  

Although URBAN FINANCE takes steps to protect information sent by e-mail, e-mail is not a secure method of  communication and individuals who are concerned about sending their personal information to us in this  manner may prefer to call the URBAN FINANCE Customer Service on 1300 62 56 56. 

Resolving concerns 

If an individual believes that the privacy of their personal information has been compromised, they are entitled  to complain. Complaints can be made by the individual contacting the person or department they were dealing  with or by calling the URBAN FINANCE Customer Service on 1300 62 56 56 and asking for the Dispute Resolution  Officer. We will respond to complaints as soon as possible.  

If you disagree with our decision, you may refer your complaint to the Office of the Australian Information  Commissioner by visiting www.oaic.gov.au, calling 1300 363 992 or by emailing enquiries@oaic.gov.au.  

Additional information 

Individuals who would like more information about URBAN FINANCE approach to privacy are encouraged to  contact the URBAN FINANCE Customer Service on 1300 62 56 56

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