Fair Go Finance Pty Ltd trading as Fair Go Finance; and Fundco Pty Ltd trading as Capfin (“we”/”us”/”our”) endeavour at all times to comply with the Privacy Act 1988, Australian Privacy Principles and the Credit Reporting Code which together will be referred to in this policy as “Australian Privacy Law.”
This Hardship Privacy Policy applies if you:
It is subject and in addition to our General Privacy Policy and our Credit Information Privacy Policy.
“Hardship” as defined in the National (consumer) Credit Protection Act (‘NCCP’) includes “illness, unemployment or other reasonable cause.” In the course of you applying for a variation in repayment terms on the grounds of hardship, we may collect from you information about illness, unemployment or other reasonable causes of hardship. This will, most likely, be “sensitive information” under Australian Privacy Law.
We will only collect sensitive information that is relevant to your application for a variation in your repayment terms on the grounds of hardship. Such information may include:
We will only collect, use, hold and disclose your sensitive information for the following purposes and in the following ways to:
We shall not disclose your sensitive information to any party except for the purposes described above and as permitted by Australian Privacy Law.
In particular, we shall not disclose your sensitive information to any credit reporting body or any other credit provider though we may disclose that you have entered into a hardship variation to such parties.
We shall not provide your sensitive information to overseas entities except as permitted by Australian Privacy Law.
You may access your sensitive information held by us in the same way and subject to the same restrictions as you may access any of your personal information held by us as described in our General Privacy Policy.
There is no charge to make a request for access to your sensitive information but we may apply an administration fee for providing such access.
You may apply to correct the sensitive information we hold about you in the same way and subject to the same restrictions as you may do so for any of your personal information held by us and as described in our General Privacy Policy.
If you are not satisfied with how we have dealt with your sensitive information, please contact our Privacy Officer in the same way as is described in our General Privacy Policy.
Again, if you are not satisfied with our Internal Dispute Resolution Process in relation to your sensitive information, you may refer your complaint to our External Dispute Resolution scheme as described in our General Privacy Policy or to the Office of the Australian Information Commissioner (OAIC).
We may change this policy for the same reasons and in the same manner and with the same notice as is described in our General Privacy Policy.
Hardship Privacy Policy – Version 4.0. Last updated 12.08.2019