Privacy Policy
| Background: | |||||
| This Policy applies as between you, the User of this Web Site and LeadFish Pty Ltd the owner and provider of this Web Site. This Policy applies to our use of any and all Data collected by us in relation to your use of the Web site and any Services or Systems therein. | |||||
| 1. | Definitions and Interpretation | ||||
| In this Policy the following terms shall have the following meanings: | |||||
| “Account” | means collectively the personal information. Payment Information and credentials used by Users to access Material and / or any communications System on the Web Site; | ||||
| “Content” | means any text, graphics, images, audio, video, software, data compilations and any other form of information capable of being stored in a computer that appears on or forms part of this Web Site; | ||||
| “Cookie” | means a small text file placed on your computer by LeadFish Pty Ltd when you visit certain parts of this Web Site. This allows us to identify recurring parts of this Web Site. This allows us to identify recurring visitors and to analyse their browsing habits within the Web Site. Where e-commerce facilities are provided, Cookies may be used to store your Form Data and tract your journey through our sites. Further details are contained in Clause 10 of this Policy; | ||||
| “Data” | means collectively all information that you submit to the Web Site. This includes, but is not limited to, Account details and information submitted using any of our Services or Systems; | ||||
| “Credit Central Pty Ltd” | means LeadFish Pty Ltd, Suite 22, Old Theatre Lane, Bayview Terrace, Claremont, WA 6010, Australia; | ||||
| “Service” | means collectively any online facilities, tools, services or information that LeadFish Pty Ltd makes available through the Web Site either now or in the future; | ||||
| “System” | means any online communications infrastructure that LeadFish Pty Ltd makes available through the Web Site either now or in the future. This includes, but is not limited to, web-based email, message boards, live chat facilities and email links; | ||||
| “User/Users” | means any third party that accesses the Web Site and is not employed by LeadFish Pty Ltd and acting in the course of their employment; and | ||||
| “Web Site” | means the website that you are currently using (www.paydayplus.com.au) and any other domains covered by LeadFish Pty Ltd unless expressly excluded by their own terms and conditions. | ||||
| 2. | Data Collected | ||||
| Without limitation, any of the following Data may be collected: | |||||
| 2.1 | first and surname; | ||||
| 2.2 | date of birth; | ||||
| 2.3 | gender; | ||||
| 2.4 | job title; | ||||
| 2.5 | profession; | ||||
| 2.6 | contact information such as full residential and email addresses and telephone numbers; | ||||
| 2.7 | demographic information such as post code, preferences and interests; | ||||
| 2.8 | financial information such as credit / debit card numbers; | ||||
| 2.9 | IP address (automatically collected); | ||||
| 2.10 | web browser type and version (automatically collected); | ||||
| 2.11 | operating system (automatically collected); | ||||
| 2.12 | a list of URLS starting with a referring site, your activity on this Web Site, and the site you exit to (automatically collected); and | ||||
| 2.13 | Cookie information (see clause 10 below). | ||||
| 3. | Our Use of Data | ||||
| 3.1 | The purpose you provide us with personal Data is so that your application for a loan can be assessed either by us or, in accordance with clause 4, by others to whom your personal Data may be provided. | ||||
| 3.2 | Any personal Data you submit will be retained by LeadFish Pty Ltd for as long as you use the Services and Systems provided on the Web Site or as is provided in this Privacy Policy including the provision of your personal Data to others. Data that you may submit through any communications Systems that we may provide may be retained immediately and used for the purposes referred to in this Privacy Policy. | ||||
| 3.3 | Subject to Clause 4, your Data may be shared with carefully selected 3rd parties who may contact you from time to time with other financial offers that may be suitable to you. By providing us with your contact details (email address, phone number, postal address etc) email address, you give your consent to us using this information as described. If you prefer not to receive 3rd party information, or information from us, you may opt out at any time by using the “unsubscribe” function available in the marketing emails that are sent to you or by contacting us directly on 08 6365 5696. If you opt-out of our use of your personal information for marketing purposes, we will honour such choice once we have had a reasonable opportunity to process your request. | ||||
| 3.4 | All personal data is stored securely in accordance with the principles of the Commonwealth Privacy Act 1988. Any or all of the above data may be required by us from time to time in order to provide you with the best possible service and experience when using our website, or providing other services to you referred to in this Privacy Policy. Specifically, Data may be used by us for the following purposes:• internal recordkeeping; • improvements of our products/services; • transmission by e-mail or postal promotional materials that may be of interest to you; • contact for market research purposes which may be done using e-mail, telephone, fax or mail. Such information may be used to customise to update the Web Site; • supply of your contact and other information, as referred to in clause 4, to 3rd parties who may be able to assist you in circumstances where we are not. |
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| PLEASE READ CAREFUL LY PRIVATE PROTECTION OF INFORMATION (CONSUMER CREDIT) IMPORTANT NOTICE TO APPLICANTS FOR CREDIT (SECTION 18E(8)(c) PRIVACY ACT 1988) |
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| LeadFish Pty Ltd may give information about you to a credit reporting agency, but only limited kinds of information allowed by this Privacy Act 1988 (Commonwealth). This includes: STATEMENT BY APPLICANT(S) FOR CREDIT |
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| (Please read carefully before signing. When more than 1 applicant, each applicant to sign). | |||||
| • identity particulars – this only includes your name, sex, date of birth, current known address, two immediately previous addresses, your current or last known employer, and your drivers licence number; | |||||
| • the fact that LeadFish Pty Ltd is a credit provider to you; | |||||
| • payments overdue for at least 60 days, when LeadFish Pty Ltd has taken steps to recover; | |||||
| • advice that payments are no longer overdue; | |||||
| • cheques for an amount greater than $100, drawn by you which have been dishonoured more than once; | |||||
| • the opinion of LeadFish Pty Ltd that you have committed a serious credit infringement; | |||||
| • when the credit provided to you has been discharged | |||||
| i. | Purpose of credit: The credit I am applying for is wholly or primarily for a domestic, family or household purpose. | ||||
| ii. | Giving information to a Credit reporting agency (Section 18 E(8)(c) Privacy Act 1988): LeadFish Pty Ltd has informed me that it may give certain personal information about me to a credit reporting agency. I understand that LeadFish Pty Ltd can only give limited kinds of information which are set out in the Privacy Act 1988 and examples of which are listed above. | ||||
| iii. | Exchanging Information with other Credit Providers (Section 18N (1)(b) Privacy Act 1988): I agree to LeadFish Pty Ltd checking personal information about me with any credit provider named in my credit application and with other credit providers that may be named in a credit report issued by a reporting agency, for any of the following purposes: | ||||
| • to assess my credit worthiness | |||||
| • to assess an application by me for credit | |||||
| • to help me avoid defaulting on my credit obligations | |||||
| • to notify a default by me | |||||
| • collection of overdue payments. | |||||
| I understand that this information can include any information about my credit worthiness, credit standing, credit history or credit capacity that credit providers are allowed to give or receive from each other under the Privacy Act 1988. | |||||
| iv. | Access to Commercial Credit Information (Section 18L (4) Privacy act 1988): For the purpose of assessing my application for credit, I consent to LeadFish Pty Ltd obtaining a report containing information about my commercial activities or commercial credit worthiness, from a business which provides information about a commercial credit worthiness of persons. | ||||
| v. | Access to Consumer Credit Information for a Commercial Credit Application (Section 18K (1) (b) Privacy Act 1988) If my application is for commercial credit, I consent to the Credit Union, in order to assess my application, obtaining from a credit report about me containing consumer credit information. | ||||
| 4. | Provision of Personal Information to 3rd Parties | ||||
| 4.1 | LeadFish Pty Ltd may, from time to time, provide your personal Data to carefully selected 3rd parties as set out in this clause. By providing personal information to the LeadFish Pty Ltd you consent to LeadFish Pty Ltd dealing with your personal Data in accordance with this privacy policy, and in particular this clause. | ||||
| 4.2 | LeadFish Pty Ltd may, from time to time, employ the services of other parties for dealing with matters that may include, but are not limited to, payment handling, delivery purchased items, search engine facilities and advertising and marketing. The providers of such services do have access to certain personal Data provided by Users of this Web Site. Any Data used by such parties is used only to the extent required by them to perform the services that LeadFish Pty Ltd requests or allows. Furthermore, any Data that is processed by 3rd parties must be processed within the terms of this Policy and in accordance with the Commonwealth Privacy Act 1988. | ||||
| 4.3 | The purpose you provide your personal Data is to enable you to successfully apply for a loan. In circumstances where LeadFish Pty Ltd is unable, for whatever reason, to assist you in your application for a loan, it may sell your contact and other details to other credit service providers or lead providers who may be able to assist you by either providing you with a loan, or putting you in touch with an entity which may provide you with a loan. | ||||
| 4.4 | You provide to LeadFish Pty Ltd your personal Data on the basis that if LeadFish Pty Ltd is unable or unwilling to assist you, your personal Data will be referred to a 3rd party for further processing. | ||||
| 4.5 | LeadFish Pty Ltd may use the services of a commercial manager to arrange for the sale of the personal Data you provide to a 3rd party for further processing. LeadFish Pty Ltd may obtain a fee from the commercial manager pursuant to the agreement entered into between it and the commercial manager in respect of the business provided. | ||||
| 4.6 | LeadFish Pty Ltd sells your personal information for a fee to other credit providers (either credit providers or credit assistance providers) or lead providers. The credit service providers or lead providers may either provide a service themselves to you or on sell your personal Data to others on the same basis as your personal Data is sold to them. | ||||
| 4.7 | By providing personal Data to LeadFish Pty Ltd you consent to your personal Data being sold as set out herein and consent to any entity with whom LeadFish Pty Ltd contracts to contact you by phone, mail, or by electronic means. | ||||
| 4.8 | By providing personal data to LeadFish Pty Ltd, you consent to LeadFish Pty Ltd selling your name, contact details, means of identification, your employment details (including your income), the amount you were seeking, and your date of birth to other credit service providers or lead providers. | ||||
| 4.9 | LeadFish Pty Ltd acknowledges that it is subject to the provisions of the Commonwealth Privacy Act 1988 and, so far as it is able, will ensure that all entities with whom it contracts comply with the law, including in particular the Privacy Act and the National Consumer Credit Protection Act. | ||||
| 4.10 | You acknowledge that once your personal Data has been passed to a 3rd party, it is the responsibility of the third-party to hold and deal with your personal Data in accordance with the provisions of their own Privacy Policy and Privacy Act and that it is the responsibility of the third-party to advise you of the privacy policy. You acknowledge that the third-party will need to undertake further enquiries in relation to the information supplied to them, including verification of your personal Data and identification and that they may, as part of the verification and enquiry that is needed to be undertaken pursuant to the provisions of the National consumer credit protection Act undertake a credit enquiry in their name, to which you consent. | ||||
| 4.11 | You acknowledge that the range of 3rd parties to whom your personal Data may be provided include the following:- City Finance, The Money Centre, Teleloans, Rapid Loans, Cash Stop, Cash Converters. |
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| 5. | Changes of Business Ownership and Control | ||||
| 5.1 | LeadFish Pty Ltd may, from time to time, expand or reduce its business and this may involve the sale of certain divisions or the transfer of control of certain divisions to other parties. Data provided by Users will, where it is relevant to any division so transferred, be transferred along with that division and the new owner or newly controlling party will, under terms of this Policy, be permitted to use the Data for the purpose for which it was supplied by you. | ||||
| 5.2 | In the event that any Data submitted by Users will be transferred in such a manner, you will not be contacted in advance and informed of the changes. When contacted you will not given the choice to have your Data deleted or withheld from the new owner or controller. | ||||
| 6. | Controlling Access to your Data | ||||
| Wherever you are required to submit Data, you will be given options to restrict our use of that Data. This may include the following: | |||||
| • use of Data for direct marketing purposes; and | |||||
| • sharing Data with third parties. | |||||
| 7. | Your Right to Withhold Information | ||||
| 7.1 | You may access certain areas of the Web Site without providing any Data at all. However, to use all Services and Systems available on the Web Site you may be required to submit Account information or other Data. | ||||
| 7.2 | You may restrict your internet browser?s use of Cookies. Form more information see clause 10.4 below. | ||||
| 8. | Accessing your own Data | ||||
| 8.1 | You may access your Account at any time to view or amend the Data. You may need to modify or update your Data if your circumstances change. Additional Data as to your marketing preferences may also be stored and you may change this at any time. | ||||
| 8.2 | You have the right to ask for a copy of your personal Data on payment of a small fee. | ||||
| 9. | Security | ||||
| Data security is of great importance to LeadFish Pty Ltd and to protect your Data we have put in place suitable physical, electronic and managerial procedures to safeguard and secure Data collected online. | |||||
| 10. | Cookies | ||||
| 10.1 | LeadFish Pty Ltd may set and access Cookies on your computer. | ||||
| 10.2 | A Cookie is a small file that resides on your computer?s hard drive and often contains an anonymous unique identifier and is accessible only by the web site that placed it there, not any other sites. | ||||
| 10.3 | You may delete Cookies, however you may lose any information that enables you to access the Web Site more quickly. | ||||
| 10.4 | You can choose to enable or disable Cookies in your web browser. By default, your browser will accept Cookies, however this can be altered. For further details please consult the help menu in your browser. Disabling Cookies may prevent you from using the full range of Services available on the Web Site. | ||||
| 11. | Changes to this Policy | ||||
| LeadFish Pty Ltd reserves the right to change this Privacy Policy as we may deem necessary from time to time or as may be required by law. Any changes will be immediately posted on the Web Site and you are deemed to have accepted the terms of the Policy on your first use of the Web Site following the alterations. | |||||
Apply For A Loan Now
Payday Loans
What are they?
Payday Advances are easy loans, up to $1,000 for first time applicants and up to $1,000 for existing customers. They are deposited straight into your bank account on the same day you apply and are repaid on your next payday. Bad credit is accepted as there is no credit check without your approval. Money can be deposited into your account on the day you apply, when you apply before 2PM.
Lending Rules:
You need to be:
- Over 18 years old
- Employed either full or part-time
- Take home more than $1,200 a month
- Have a bank account
Warning about Borrowing