Privacy Policy

Overview

Yes Approved Pty Ltd is an authorised Credit Representative of National Loans Pty Ltd. Australian Credit License Number 480781 and Credit Representative Number 536225 (“we”, “us”, “our”).

About This Statement

Yes Approved Pty Ltd is committed to respecting the privacy of your personal information.

This policy statement explains how we collect, store, use and disclose personal information (including credit information and credit eligibility information) and what steps we take to comply with privacy laws.

Our Commitment To Protect Your Privacy

We understand how important it is to protect your personal information. This document sets out our privacy policy commitment in respect of personal information we hold about you and what we do with that information.

Our commitment is to abide by the Australian Privacy Principles, the Privacy Act 1988 (Cth), the Privacy (Credit Reporting) Code 2014 and any other relevant laws.

Personal Information

Personal information means information from which your identity is reasonably apparent.

The kinds of information we may collect include:

• Name, address, email address and phone number
• Date of birth and identification information
• Employment and income details
• Account, payment and transaction information
• Device, IP address and website usage data
• Credit-related information

If you apply for finance we may also collect information relating to dependants, living arrangements, earnings, expenses, Tax File Number or tax residency status.

Credit Eligibility Information

Credit eligibility information is personal information obtained from a credit reporting body or derived from credit reporting information about your consumer credit worthiness.

This may include:

• Information assisting us to assess your suitability for credit
• Your credit history with other credit providers
• The likelihood of meeting financial commitments

Why We Collect Your Information

We collect personal and credit-related information to:

• Assess applications for finance
• Verify identity and eligibility
• Manage customer relationships
• Process payments
• Comply with legal obligations
• Improve our services and customer experience
• Provide direct marketing where consent has been given

How We Collect Information

Where practical, we collect information directly from you. We may also collect information from:

• Credit reporting bodies
• Finance brokers and lenders
• Public registers and social media
• Employers, accountants and legal advisers
• Identity verification services

Disclosure Of Information

We may disclose personal information to:

• Funders and lenders
• Finance brokers and intermediaries
• Valuers, insurers and legal advisers
• IT providers and external service providers
• Debt recovery and collection agencies
• Government and regulatory authorities where required by law
• Organisations involved in our funding arrangements

Prior to disclosure, we take reasonable steps to ensure recipients protect your information appropriately.

Credit Reporting Bodies

The credit reporting bodies we use include:

• Equifax Pty Ltd
• Experian Australia Credit Services Pty Ltd
• Illion Australia Pty Ltd

Credit reporting information may be exchanged for the purposes of assessing finance applications and managing finance arrangements.

Notifiable Data Breaches

Under the Privacy Act, we may be required to notify you and the Office of the Australian Information Commissioner (OAIC) where a data breach is likely to result in serious harm.

If a breach affecting your information occurs, we will contact you as soon as practicable and provide guidance on reducing any risks.

Direct Marketing

We may use your information to provide marketing communications relating to finance products and services.

You may opt out at any time by emailing: approvals@yesapproved.com.au

Access & Correction

You may request access to the personal or credit-related information we hold about you.

If information is inaccurate or out of date, you may request corrections.

We generally respond to requests within seven days and aim to resolve matters within 30 days where practical.

Security Of Information

We take reasonable steps to protect personal information from misuse, loss, unauthorised access, modification or disclosure through secure systems and processes.

Complaints

If you have concerns regarding privacy or credit-related information, please contact our complaints officer:

approvals@yesapproved.com.au

If you are dissatisfied with our response, you may contact:

• Australian Financial Complaints Authority (AFCA)
• Office of the Australian Information Commissioner (OAIC)

Further Information

For further information regarding this policy or the way we manage your information, please contact:

• Email: info@yesapproved.com.au
• Phone: 1300 361 167

Policy Changes

We may update this Privacy Policy from time to time to reflect changes in technology, legislation or business practices.

The latest version will always be available on our website.

Additional Documents

• Download, read and sign our Privacy Disclosure Statement & Consent Form
• Download, read and sign our Credit Guide & Credit Quote Form