Purpose of Collection and Use

Certain personal information is required to enable Gary McMillan Toyota to:

• assess your application for personal or commercial credit and or/credit worthiness;
  and/or to become a guarantor’;
• administer any credit facility which is subsequently provided by Gary McMillan Toyota including managing any account in connection with the credit facility, administering insurance claims, recovering any money owed to Gary McMillan Toyota, maintaining the value and protecting any assets provided as security for any obligations under the credit facility and for use in connection with the outsourcing of any of Gary McMillan Toyota’s functions;
• assist you to avoid defaulting on your credit obligations; and
• notifying other credit providers of any default by you; and
• identifying and sending you any information about Gary McMillan Toyota’s other related products or services that may be of interest to you.

If you do not provide Gary McMillan Toyota with the personal information requested, Gary McMillan Toyota will be unable to assess your application for personal or commercial credit or to become a guarantor.

The following tells you what information might be required and how the information might be used.
PLEASE READ THIS CAREFULLY.

Disclosure of Personal Information
The types of organisations to which Gary McMillan Toyota usually discloses personal information include credit reporting agencies, government departments and authorities, insurers and underwriters, guarantors, agents, contractors, proposed assignees of Gary McMillan Toyota’s assets and other third parties associated with Gary McMillan Toyota to enable Gary McMillan Toyota to carry out its functions, for example, mailing houses, debt collection agencies, mercantile agents, archive companies, valuers, call centre operators, solicitors, accountants, other funders, introducers and brokers.

You consent to Gary McMillan Toyota collecting your personal information and using it for the purposes outlined in this document including disclosing your personal information to the types of organisations set out above.

• your identification (including your name, sex, address and the previous two addresses, date of birth, name of employer and driver’s licence number);
• the fact that credit has been applied for and the amount;
• the fact that Gary McMillan Toyota is a current credit provider to you;
• details of payments which become overdue for more than 60 days and for which collection action has commenced;
• the fact that payments are no longer overdue;
• details of cheques drawn by you which have been dishonoured more than once;
• the fact that in Gary McMillan Toyota’s opinion you have committed a serious credit infringement; and
• the fact that credit provided to you by Gary McMillan Toyota has been paid or discharged.

Authority to Obtain Credit Information
You authorise Gary McMillan Toyota to obtain from:
a credit reporting agency: a credit report containing personal or commercial information about you in relation to personal or commercial credit provided to you; and
a business which provides information about the commercial credit worthiness of persons: information about your commercial activities or commercial credit worthiness.

Authority to Exchange Credit Information with another Credit Provider
You authorise Gary McMillan Toyota to give and obtain from other credit providers information about your credit worthiness, credit standing, credit history or credit capacity.

Authority to Disclose Certain Information to Joint Applicants
You understand that if Gary McMillan Toyota declines your credit application or application to become a guarantor due to adverse information on your personal credit file, then each applicant for the credit may be notified that the application has been declined wholly or partly on information derived from personal credit report relating to you.

Authority to Disclose Certain Information to Guarantors
You consent to Gary McMillan Toyota providing information about you to any person who proposes to guarantee your obligations to Gary McMillan Toyota for the purpose of allowing that person to assess whether to act as your guarantor and/or indemnifier. After the guarantee is given, you consent to Gary McMillan Toyota providing information about you to the guarantor and/or indemnifier.

Guarantors Only: Authority to Obtain Information about a Guarantor
You authorise Gary McMillan Toyota to obtain from a credit reporting agency a credit report containing personal credit information about you to assess whether to accept you as a guarantor for the personal or commercial credit applied for by the applicant.

Authority to Give Opinions
You authorise Gary McMillan Toyota to give to or receive from another credit provider an opinion for purposes connected with your business trade or profession.

Other Acknowledgments and Consents

• You consent to Gary McMillan Toyota exchanging personal information and other information concerning your financial affairs with any person acting on your behalf including your agent, accountant, solicitor or broker.
• You acknowledge that Gary McMillan Toyota may exchange information with government authorities as required or authorised by law including the Australian Taxation Office.
• You agree that Gary McMillan Toyota may use your personal information for marketing purposes to tell you about other related services and products which could suit your needs. If you do not want this to happen please tell us.
• You acknowledge that the above authorities and consents will continue until the credit facility provided is repaid in full and the credit facility terminated.

Access and Correction
If you would like to know more about:

• the personal information which we hold about you; or
• our personal information handling practices; or
• gaining access to the personal information which we hold about you; or
• our handling of personal information about you, please contact us by writing to:

The Privacy Officer
Gary McMillan Toyota Pty Ltd
687 High Street
Preston VIC 3072

We will also provide you with a copy of this information for which a fee may be payable. You should let us know if you think any information we hold about you is inaccurate so that we may correct it.

By continuing in submitting the online Application Form y ou acknowledge that you have read and understood the authorisations and consents which you have given in this document.

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