1. We respect your privacy
At Quicka we respect your right to privacy and we are committed to safeguarding the privacy of our customers and website visitors. We manage your personal information securely and consistently with the Australian Privacy Principles contained in the Privacy Act 1988 (Cth) ("Privacy Act"), and the Privacy (Credit Reporting) Code 2014 (“CR Code”).
2. Collection of personal information
We will collect certain personal information about you depending on the circumstances in which our product or service is being provided. This can include the following types of personal information:
We may also collect your credit information such as the collection of bank statements, account numbers and customer identifier numbers.
From time to time, we may request you to provide additional information or update your personal information to ensure that it is accurate, up to date, complete and relevant for the purposes of providing our products and services.
The Privacy Act has specific rules about two types of consumer credit related information that we may collect:
4. How we collect your personal information
We will collect personal information from you in a variety of ways, primarily from you when you interact with us electronically or in person, by email, telephone contact with us, via our website (www.quicka.co) for the our services to you.
There are also certain instances in which we will collect information about you from third parties where it is unreasonable or impracticable to collect it directly from you. For example, where we need to verify information you have provided. Even where your application is for consumer credit, we may collect information about you from a business which provides information about commercial credit worthiness for the purpose of assessing your application.
Other third parties that we may collect your information from include:
We may also log information about your access and use of our website. This information may include your internet service provider (ISP), browser type, operating system, internet protocol addresses, referring/exit page, date/time stamp and clickstream data.
5. Purposes for which we collect, hold, use and disclose your personal information
We may, as permitted by law, collect, hold, use or disclose personal information for the purposes for which it was collected, related purposes for which you would reasonably expect us to use or disclose the information or where you have consented to us using or disclosing the information.
These purposes include:
complying with various Australian laws including the Anti-Money Laundering and Counter –Terrorism Financing Act 2006 (Cth) or the Australian taxation laws which may specifically require us to collect your personal information, and with other regulatory requirements and laws where collecting your information is necessary in order for us to comply with our obligations.
6. Compliance requirement under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth)
In order for us to comply with the customer identification obligations under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) (AMLCTF Act), we may be required to collect your personal information such as:
In some cases, we may need to collect information about the political activities and opinions of individuals to determine whether they are politically exposed persons for the purposes of the AMLCTF Act. We may also need to clarify and/or update the personal information we previously collected for identity verification purpose, and/or collect further information including financial information about individuals.
As part of the verification processes, we may need to take copies of your personal identification documents in order to verify your identity in accordance with the requirements of that Act.
We may also disclose your full name, residential address and date of birth to CRBs for the purposes of providing an assessment of whether this identification information matches (wholly or in partly) personal information held by the CRBs. The CRBs may compare your details with personal information held by the body (being the names, residential address and dates of birth of other individuals) for the purpose of making this assessment.
If you do not wish to disclose your personal information to CRBs for the purposes of the AMLCTF Act, please contact us by email at email@example.com and we will provide an alternative means of verifying your identity.
7. Disclosing your personal information to third parties
We may disclose your personal information to third parties, including:
8. Overseas disclosure
We may disclose your personal information to our business partners, service providers and affiliates who are located overseas and/or do not carry on business in Australia in order to assist us in delivering our products and services to you, such as providing customer service, processing credit checks or securing data storage and other similar services. We will take reasonable steps to ensure that such disclosure is in compliance with the Australian Privacy Principles.
It is likely that such disclosures will be made to persons in countries including the Philippines, where our customer service support centre will be operating from.
9. How we hold and protect your personal information
We will hold your personal information pursuant to the Privacy Act, in a manner that reasonably protects it from misuse and loss and from authorised access, modification or disclosure. We will hold your personal information in paper or other physical form but it is usually held in electronic form on our systems. We use a range of physical and electronic security measures, for example, access restrictions to protect the personal information stored in our database.
While we may use third party service providers to maintain some of our data systems and provide related services, these entities are only authorised to use your personal information where it is necessary to provide these types of services to us. We require any person that has access to personal information that we have collected to act in a manner consistent with our obligations under the Privacy Act and with our general privacy standards.
Our employees are also required to keep your personal information confidential.
One way of collecting information is through cookies. Cookies are small text files that websites send to your computer or other Internet-connected device to uniquely identify your browser or to store information or settings in your browser. Cookies allow us to recognize you when you return. They also help us provide a customized experience.
In many cases, the information we collect using cookies and other tools is only used in a non-identifiable way, without reference to Personal Information. For example, we use information we collect about website users to optimize our website and to understand website traffic patterns.
You can use Ads Settings to manage the Google ads you see and opt out of interest-based ads. Even if you opt out of interest-based ads, you may still see ads based on factors such as your general location derived from your IP address, your browser type and recent, previous searches related to your current search.
You can set preferences for how Google advertises to you using the Google Ad Preferences page.
12. CRBs and your rights in relation to them
Although the Privacy Act permits us to disclose your credit information to CRBs for certain purposes, and to receive information from them, we do not actively do this at present. However, we will appoint an agent to ensure that any previously listed defaults will be updated with the CRB as required (e.g. when repayments are received). The CRBs to which we disclose this information may include the information in their reports to other credit providers in order for them to conduct an assessment of your credit worthiness.
The CRBs from which we may collect, and to which we disclose, credit information include:
Phone: 1300 734 806
Address: Public Access Centre, PO Box 7405, St Kilda, VIC 3004
Phone: 13 83 32
Address: PO Box 964, North Sydney, NSW 2059
You are entitled to contact the CRBs and request not to:
13. Access and Correction
We take every step that is reasonably practicable to ensure that the personal information we collect and hold is accurate, complete and up-to-date.
You may, at any time, request access to personal information (and personal credit information) that we hold about you, if there is an error, where the information is incomplete, inaccurate or out of date. Upon such request, we will verify your request and correct, amend or add to the information we hold about you.
In the event that we do not agree to your request for correction, we will give you notice of this outlining our reasons and what next steps you can take. You may also request us to associate a statement with that information to the effect that the information is inaccurate, out-of-date, incomplete, irrelevant or misleading so that it is apparent to users of the information.
You are entitled to specify how you wish to access your personal information, so long as this is reasonable and practicable. In order to access your personal information, please contact us at firstname.lastname@example.org.
We will not charge you a fee for your access request, but may charge you the reasonable cost of processing your request to allow us to provide you with access to your personal information (e.g. if you request a voluminous printings of hard copy records).
We verify the identity of anyone requesting access to personal information. This will ensure that we do not provide information to a person who does not have the right to access that information.
We ask that your request for information be as specific as possible so that we can accommodate your request. We will usually provide you with access within thirty (21) days of a request but in some circumstances, it may take longer.
Please note, that under Australian law, we are entitled to refuse you access to your information in certain circumstances, including where:
14. Privacy complaints
If you have a complaint about our treatment or our records of your personal information, please contact our Privacy Officer at email@example.com and we will investigate your complaint and endeavour to resolve any issues you may have.
We will aim to respond within seven (7) days of you making your complaint to acknowledge receipt of your complaint. It is our policy to investigate and resolve all complaints (where practicable) within thirty (21) days of receiving the complaint. Where it is a legal requirement to do so, then in the event we need more time to investigate and resolve your complaint, we will notify you as to the reasons why and seek your agreement to extend this thirty (21) day period (if you do not agree, we may then not be able to resolve your complaint).
Please note, where your complaint relates to your credit information, we may consult with third parties where necessary and as permitted under the Privacy Act, to investigate and resolve your complaint.
If we do not adequately address your concerns, you have the right to make a complaint to the Office of the Australian Information Commissioner (OAIC) if you believe we have breached the Privacy Act, the Australian Privacy Principles and the CR Code. Complaints to the OAIC must be made in writing and you can find further information about making a complaint to OAIC at: https://www.oaic.gov.au/privacy/privacy-complaints/
If you do not wish to receive offers unrelated to your Quicka products and services, please contact us to “opt out”, via the details in Contact Us.
16. Contact us
Quicka Pty Ltd
Level 8, 11 York St
Sydney, NSW, 2000