Unit 2 136 Sunnyholt Rd Blacktown NSW 2148
02 9676 1641 02 9676 1641

Introduction

Car Man Kev (Dealer License Number: MD 054150) is committed to shielding the privacy of your personal information and we take sincerely our responsibility to manage your personal information in accord with the needs of the Privacy Act 1988 (Cth) (the "Act").

This Privacy Policy sets out particulars about how we collect and handle your

  • Personal information; &
  • Your credit-related personal information and credit eligibility information including information about your applications and/or enquiries for credit and credit accounts with us and your credit reporting information that we derive from Credit Reporting Bodies ('CRBs') and from other credit providers.

This Privacy Policy may be modified occasionally taking into account updated laws and subject to change in technology and our operations. A current version of this policy will be published on our website.

When you assign Car Man Kev to supply you with any products or services, apply or complete an application or enquiry for credit, communicate with us through email, by telephone, in writing, or use any of our other services, including our website, you consent to the use and disclosure of your personal information in the mode described in this policy.

Please note that Car Man Kev cannot guarantee or take the responsibility for the privacy practices or the content of websites to which we give links.

The types of Personal Information we collect and hold

We normally collect and hold the types of personal information depending on our communication with you. Usually, the personal information we may collect from you include:

  • Name, Date Of Birth, Address, Telephone Number, Email Address, Passport Information, Drivers Licence Details & Other Contact Details;
  • Your Bank Account Details & Credit Card Information;
  • Information we collect from providing you with our goods and services;
  • Personal information you provide to us when you participate in a promotion, competition, promotional activity, survey, market research, subscribe to our mailing list;
  • Marketing information;
  • Information about the products and services you would like to obtain through us or that we provide or have provided to our clients, such as:
    • Details of our clients' vehicles including any trade-in;
    • Details of our clients' vehicle purchases from us; and
    • Details of our clients' servicing and warranty history; and
  • Records of communication with you, including by telephone, email and online information about enquiries or complaints.

We may also gather and hold sensitive information about you that is specifically relevant and essential for the purpose of our business activities and purposes, and your permission is first taken. Such information may include information concerning to:

  • Our clients' citizenship or country of birth; or
  • Membership of professional or trade associations or unions.

Where you have applied for or made an enquiry for credit or have agreed to be a guarantor under an application for credit, we may also gather credit-related information, such as:

  • Financial information, including your assets, liabilities, income and expenses;
  • That you have applied for commercial or consumer credit and the amount;
  • That we and other credit provider are or have been a credit provider to you;
  • Payments which become overdue over 60 days and for which debt collection action has initiated;
  • Advice on payments being no longer overdue;
  • Advice that cheques drawn by you have been dishonoured more than once;
  • In specified circumstances that in our view you have committed a serious credit breach (that is, acted deceptively or shown an intention not to adhereto your credit responsibilities);
  • That credit given to you by us has been paid or otherwise discharged;
  • Court proceedings information, personal bankruptcy information and credit-related publicly available information; and
  • Scores, ratings, summaries, assessments and other information relating to your creditworthiness, which is derived by us or by CRBs.

The Purposes for which Car Man Kev gathers, keeps, uses and discloses Personal Information

Car Man Kev gathers, keeps, uses and discloses personal information so that we are able to perform our business operations and give customers with our products and services. Car Man Kev will gather, keep, use and discloses personal information for the following purposes:

  • Our general business activities and operations, including offering you with our products and services, including providing you with vehicle sales information, vehicle servicing, procuring and organising vehicles, sending you marketing information about other products and services that we reasonably believe may be of your interest;
  • Assessing and processing an application or enquiry for credit or to accept an individual as a guarantor;
  • For administrative functions in relation to the ongoing management of your credit arrangement;
  • Communicating with you, including replying to your inquiries about our products and services and applications and accounts;
  • Participating in the credit reporting system and providing information to CRBs as permitted by Part IIIA of the Act;
  • Meeting our legal and regulatory requirements, and enforcing our rights;
  • Conducting, enhancing and developing a business relationship with you;
  • Dealing with complaints; and
  • Marketing (such as supplying individuals with information about our products and promotional notices and offers).

How Personal Information is gathered

Whenever it is logical and feasible to do so, we gather personal information about our clients directly from you, or your appointed broker/agent.

Where the Act permits, we may also collect personal information from other people or organisations. Sometimes this may happen without your direct participation. Some examples of the people or organisations from which we may gather personal information about you are:

  • Other credit providers;
  • Publicly available sources of information (such as telephone directories);
  • Your authorised representative (such as a legal adviser);
  • Third-party agents (such as business referrers, finance brokers and insurance brokers);
  • Credit reporting bodies (CRBs), such as Veda or Dunn and Bradstreet; or
  • Government agencies (such as the Land Titles Office, the Land and Property Information office).

Car Man Kev takes practical steps to make sure that you are aware of:

  • The probable use of your personal information;
  • The right of access to your personal information;
  • Any law needing collection of the credit-related information; and
  • The main consequences of failure to provide any credit related personal information.

Disclosure of your Personal Information

Car Man Kev may reveal your personal information:

  • For the primary purposes for which it was collected such as those described above (i.e. for our business functions and activities);
  • Where you have agreed to the use or disclosure;
  • Where required or authorised by Australian law, or to a court/tribunal; or
  • Where we reasonably believe that the use or disclosure is essential to prevent serious impact to an individual's life, health or safety or a serious threat to public health or safety.

We will not reveal your personal information for any other mediocre purposes unless your permission has been given or as needed by law and we will not sell or license any personal information that we gather from you.

We may also share your personal information with Car Man Kev's other related entities.

Where the Act allows us, we may from time to time reveal your personal information to organisations outside the Car Man Kev group of entities. Basically, these are organisations that assist us with our business functions and operations.

These establishments may include:

  • Authorised representatives of Car Man Kev who sell products or render services on our behalf;
  • Insurers;
  • Financial institutions;
  • Our accountants, auditors or lawyers; or
  • Your representative (for example lawyer, mortgage broker, financial adviser).

If it is required by the Act, we will seek your permission before revealing to these establishments; otherwise, we will only reveal your personal information to these organisations where it is rational in the circumstances.

Where the Act permits us to do so, and in order to further your enquiry and/or application, we may reveal your personal information to a financial intermediary (like a broker or other financial institution) or credit provider. Such financial intermediary or credit provider may also reveal your personal information to CRBs such as Veda or Dunn & Bradstreet, in case you apply for or make an enquiry for credit.

Where Car Man Kev gathers personal information, which we may reveal to a financial intermediary or credit provider, and the financial intermediary or credit provider discloses this information to a CRB, please note:

  • The CRBs may include that information in reports provided to the financial intermediary or credit provider to assist it to assess your creditworthiness;
  • If you fail to meet payment commitments in relation to commercial or consumer credit or perform a grave credit breach, your credit provider may be entitled to reveal this to the CRB.

Car Man Kev does not disclose your personal information for any secondary purposes unless your permission has been given or as needed by the law.

How your Personal Information is kept and shielded

We use security procedures and modern technology to shield the personal information that we have. Much of the information we hold is electronically stored on servers owned by Car Man Kev that is located in our company premises or in secure data centres owned by third parties located in Australia. Access to and use of this information within Car Man Kev is suitably limited to guard against misuse or illegal disclosure of the information.

Accuracy of your Personal Information

We depend on you to supply us with correct and up to date information about you. If there are any changes to your personal information during the course of dealing with us, you are accountable for informing us.

We will take practical steps to make sure your personal information is kept up-to-date, correct, complete and not confusing. If you believe the personal information we have about you is inaccurate or incorrect, you can request that we update this information by contacting our Privacy Officer (details below).

We will rectify the information we hold about you if we find out, or you are able to show to a reasonable standard that the information is incorrect or inaccurate. If you seek a correction and we disagree that the information is incorrect, we will provide you with our reasons for taking that view.

How you can access and seek correction of your Personal Information

You can contact us to request access to the personal information that we hold about you. Normally, we will give you access to your personal information. However, there may be exclusions as permitted under the Act that permit us to not grant you with the access in some circumstances.

If access is denied, we will provide you with the reason why unless, having regard to the grounds for refusal, it would be unreasonable for us to do so. You may make a complaint about a refusal to the Office of the Australian Information Commissioner.

You can also contact us to request that we correct personal information that we hold about you. Any request to access or correct information should be made to Car Man Kev Privacy Officer using the contact details set out below and will be dealt with in accordance with the Act.

Marketing

We may use and disclose your personal information to inform you about other products and services we think may be of your interest in the future, and we may also disclose your personal information to Car Man Kev's related entities, third party affiliates or other partners (together referred to as "the Related Companies") so that they may use and disclose the information to inform you about their products and services, including for direct marketing by Car Man Kev or the Related Companies.

We respect your right to ask us not to use your information for direct marketing and Car Man Kev and the Related Companies will not send you information about products and services if you so request by contacting Car Man Kev using the contact details set out below. You will generally be given the opportunity to accept out from receiving marketing communications from us. You may accept outfrom receiving electronic communications by following any prompts to do so that we may engage from time to time, or by writing to the Privacy Officer.

Overseas Disclosure

Any personal information provided to us may be transferred to, stored by or disclosed to an overseas recipient. For example, we may use a server hosted overseas to store data, which may include your personal information, or engage an organisation located overseas to assist us in our general business operations.

Before your information is disclosed to an overseas recipient we will take steps as are reasonable in the circumstances to ensure that the overseas recipient does not breach privacy laws in relation to your personal information ("reasonable steps").

However, the reasonable steps may not apply, if we reasonably believe (when disclosing your personal information to the overseas recipient) that:

  • The recipient of the information is subject to a law, that has the effect of protecting the information in a way that, overall, is at least substantially similar to the way in which the Act protects the information; and
  • There are mechanisms that an individual can access to take action to enforce the protection of their privacy.

Unsolicited Information

We will take reasonable steps to decide whether or not information we obtain may be unsolicited information. If we believe that information is unsolicited information, we will destroy the information as soon as feasible or make sure that it is de-identified.

Anonymity

Only where it is feasible to do so, we may permit you the option not to identify yourself when dealing with us. However, not identifying yourself to us may make it difficult to effectively provide you with our products or services.

Government Identifiers

We will not use government identifiers such as your tax file number or Medicare number to identify you.

Cookies and Website

A 'cookie' is a packet of information placed on a user's computer by a website for record keeping purposes. Cookies are usually used on the Car Man Kevwebsite to:

  • Access toonline services - If you visit the Car Man Kev website and/or log into our secure areas, we will use cookies to enable us to authorise your access;
  • Manage advertising - We use advertising companies to deliver our online advertising. When you see one of our ads on a third party website, cookies are sometimes used to gather information about what pages you visit and the type of software you are using; and
  • Traffic monitoring, we use tracking companies to gather information about how people are using the Car Man Kevwebsite, this information includes time of visit, pages visited, and some system information about the type of computer you are using. We use this information to enhance the content and services offered on the website.

Cookies may also be used for other purposes on the Car Man Kevwebsite but in each case, none of the information gathered can be used to personally identify you.

Cookies may gather and store your personal information. This Privacy Policy applies to personal information collected via cookies. You may adjust your Internet browser to disable cookies. You can configure your browser to accept all cookies, reject all cookies, or notify you when a cookie is sent. (Each browser is different, so check the "Help" menu of your browser to learn how to change your cookie preferences).

If you disable the use of cookies on your web browser or remove or reject specific cookies from this website or linked sites then you may not be able to gain access to all of the content and facilities on this website, and/or may hinder our ability to provide you with our full range of products and services. If you visit the Car Man Kev website to browse, read or download information, our system will log these actions. These website logs are not personally identifiable and Car Man Kev makes no attempt to link them with the individuals who browse the website.

You may also come across cookies used by third parties and placed on certain pages of our website that we do not control and have not authorised (such as webpages created by another user). We are neither responsible nor liable for the use of such cookies.

Where applicable, your account information is password protected and we highly recommend you, to not reveal your password to anyone. To further guard your personal information, your log-in time will automatically expire after a certain inactive period.

Complaints

If you have a complaint about the way we have dealt with your personal information or think that we have breached the Australian Privacy Principles or the Act, you may make a complaint by contacting our Privacy Officer at the contact details listed below. We will respond to complaints within a reasonable time (usually 30 days).

If you disagree with our decision, you may refer your complaint to the Office of the Australian Information Commissioner by visiting www.oaic.gov.au, calling 1300 363 9921300 363 992 or by emailing enquiries@oaic.gov.au.