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Privacy & Credit Reporting Policy

September 2024

Greenside Finance Pty Ltd t/as Greenside Finance (ABN 76 678 053 122), Authorised Credit Representative #561052 of Fintelligence Pty Ltd (ABN 80 625 017 174), Australian Credit Licence # 511803 (referred to as “Greenside Finance”/we/us”). By signing this document, you agree we can collect, hold, use and exchange personal and credit information about you for these stated purposes. The Privacy Policy also contains information on how you can complain about a breach of the privacy laws, how you can access or request to correct your personal and credit information that we hold about you and how to have that information amended. 

Greenside Finance will collect, store, disclose and use personal information and credit information that you provide to us in accordance with the terms of this Privacy Consent and our Privacy Policy. You may obtain a copy of our Privacy Policy by contacting us on 1800147336 or by emailing us at approvals@greensidefinance.com.au. By signing this document, you agree we can collect, hold, use and exchange personal and credit information about you for these stated purposes. The Privacy Policy also contains information on how you can complain about a breach of the privacy laws, how you can access or request to correct your personal and credit information that we hold about you and how to have that information amended.Greenside Finance Pty Ltd t/as Greenside Finance (ABN 76 678 053 122), Authorised Credit Representative #561052 of Fintelligence Pty Ltd (ABN 80 625 017 174), Australian Credit Licence # 511803 (referred to as “Greenside Finance”/we/us”). By signing this document, you agree we can collect, hold, use and exchange personal and credit information about you for these stated purposes. The Privacy Policy also contains information on how you can complain about a breach of the privacy laws, how you can access or request to correct your personal and credit information that we hold about you and how to have that information amended. 

What do we mean by personal information?

Personal information is information or an opinion about an identifiable or reasonably identifiable person. The personal information we will collect and hold will include your name, date of birth, gender, telephone number, address, email, employment details and any other information we may need to identify you.

What do we mean by credit information?

Credit information is personal information that relates to credit that a person has applied for or has been provided. The credit information that we will collect from you may include your records of credit that you have applied for (including the name of the credit provider, the type of credit and the amount of credit), default information or any other information that has a bearing on your credit worthiness used to determine your eligibility for credit. Credit information also include credit reporting information supplied to us by a credit reporting body and any information that we derive from it.
We will collect, hold, disclose and use your personal and credit information to:
  • Assess and verify your identity and financial situation;
  • Assess your credit application or your suitability as a guarantor to a credit application;
  • Provide such information to a guarantor or related applicant;
  • Exchange your information with a credit reporting body;
  • Disclose your information to credit providers as set out in our ‘Credit Provider Schedule’ to arrange credit;
  • Disclose your information to our aggregation partners as set out in the Aggregation Partners section of this document;
  • Disclose your information to an insurer to arrange insurance you wish to obtain;
  • Obtain from, and disclose to, third parties such as your employer, landlord, real estate agent, lending institution, and guarantor who are deemed as reasonably necessary to arrange finance and/or insurance; and
  • Refer you to other organisations, service providers, or business partners or obtain referrals from them to you.
We may not be able to proceed with credit assistance without the ability to collect, hold, disclose and use your personal and credit information.

Identity & financial situation verification

We are required by the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth)to collect and use personal and credit information from you in order to identify you. We are also required by the National Consumer Credit Protection Act 2009 (Cth) to collect credit information and personal information about you and take reasonable steps to verify this, including your financial situation. This verification may include enquiring via a credit reporting body.

Authority to make requests

You authorise us to make requests for personal and credit information from credit providers and credit reporting bodies. By signing this Privacy Consent, you consent to the credit providers listed in the schedule to this consent doing any of the following:
  • Where you are the borrower—obtaining information or a report about your commercial activities or commercial credit worthiness for the purpose of assessing your application from any business which provides information about the commercial credit worthiness of persons (this includes a credit reporting body);
  • Where you are the borrower—giving to and obtaining from any credit provider named in your credit application or in a credit report on you issued by a credit reporting agency, information about your credit arrangements for the purposes of:
  • Assessing your application for credit;
  • Notifying a default by you;
  • Allowing another credit provider to ascertain the status of your finance arrangements with us where you are in default with one or more other credit providers; and
  • Generally assessing your credit worthiness;
  • Where you are the borrower—disclosing personal and credit information to a person you have nominated to act as guarantor for the purpose of the guarantor considering whether to offer to act as a guarantor or offer property as security for the credit; and
  • Where you are the guarantor—obtaining a report about your credit worthiness from a credit reporting body for the purpose of assessing whether to accept you as a guarantor
You acknowledge and agree that the information referred to above can include any information about your personal and/or commercial credit worthiness, credit standing, credit history or credit capacity which the Privacy Act 1988 (Cth) allows credit providers to give to or receive from each other.

Credit reporting bodies

We may exchange personal and credit information with a credit reporting body as detailed below:
  • disclosure of details such as name, date of birth and address to obtain a credit report on the applicant or guarantor in our capacity as an access seeker in the credit assistance process;
  • use any information provided by a credit reporting body to assist us in conducting a preliminary assessment of a proposed credit application and its suitability to the applicant; and
  • request a credit reporting body to provide us with an assessment of whether the information provided by the applicant or guarantor matches that in the credit report to verify the identity of the applicant and/or guarantor.
Our current credit reporting body is Equifax you can contact them on phone 13 8332 during opening hours of Mon-Fri 8.30am to 6.00pm Eastern Standard Time. 

Disclosures

We will disclose or exchange your personal and credit information to the following persons:
  • Potential credit providers and/or insurers as part of our credit assistance process;
  • Third parties to verify the details provided are correct, including with your agents, guardians, attorneys and employers;
  • our related body corporates, assignees, agents, contractors, and advisers;
  • Law enforcement, government, and regulatory bodies;
  • Any person who refers you to us for credit assistance;
  • Joint applicants and guarantors;
  • Any financial institution to, or from which a payment is made;
  • Debt collection agencies; and
  • Anyone who refers you to us.
We will not disclose your personal and credit information to any overseas recipient.

Your rights

You have the right to ask:
  • That we provide you with the personal and credit information we hold about you;
  • That we correct any personal and credit information we hold about you that is shown to be incorrect;
  • For copies of our Privacy Policy and this document;
  • The credit reporting body does not use your personal information for assessment purposes or direct marketing; and
  • The credit reporting body provides you with a copy of the information it holds about you.
To access and/or seek correction of your personal or credit information we hold, or make a complaint about privacy, you can contact us on phone number 1800147336 or by emailing us at approvals@greensidefinance.com.au or registered post to Unit 3/93 Old Perth Rd, Bassendean WA 6054

Marketing

We would like to contact you from time to time with marketing information about the products and services we provide. You can opt-out of receiving direct marketing communication from us at any time.
If you do NOT want to receive marketing information from us, please email approvals@greensidefinance.com.au.

Electronic communication

If you provide us with an email address or mobile phone number, you consent for us to use these details to send you, or make available to you, notices and relevant documents, including those from a credit provider or insurer. You are therefore responsible for maintaining appropriate software, hardware and associated processes to receive, access, review, print and save copies of such documents.

This consent applies to all types of communication that is permitted by law to occur electronically. Therefore, paper (hard copy) documents may not be provided to you, unless we are obliged to by law. You must regularly check advised electronic communication mediums for communication from us. If your details change, you must promptly notify us. If you wish to withdraw your consent to electronic communication, please notify us on phone number 1800147336 or by emailing us at approvals@greensidefinance.com.au or registered post to Unit 3/93 Old Perth Rd, Bassendean WA 6054.

Credit providers

We may submit a credit application to credit providers listed in our ‘Credit Provider Schedule’. If a credit provider holds pertinent credit eligibility information, the credit provider must share this information with us, yourself or someone you have authorised to act on your behalf. Credit providers may also engage directly with a credit reporting body to make a credit enquiry and you can ascertain the details on this and how they handle personal and credit information via their websites which are listed in our 'Credit Provider Schedule'. If your credit application proceeds with a credit provider you may be asked again for your consent to collect, store and use and disclose your personal and credit information by this credit provider.

Credit providers may provide your personal information (including information about your driver licence or passport) to an organisation providing verification of your identity, (including credit reporting bodies), to request an assessment of whether that information matches information held by the issuer of the identification document via the use of third party systems (this may also include electronic identity verification). Alternative means of verifying your identity may be available.

CREDIT PROVIDER SCHEDULE

Greenside Finance Pty Ltd (ABN76678053122), Credit Licence number 511803
Credit Provider ABN / ACN Website Address
ABN Commercial 91 632 265 546 www.abncommercial.com.au
Addcash 56106311237 https://www.addcash.com.au/
Affordable Car Loans 393709https://affordablecarloans.com.au
Alex Bank13 627 244 848alex.bank
Allied Credit143 964 667https://alliedcredit.com.au/
Alma Finance40 128 139 515www.almafinance.com.au
Angle Auto Finance 161130696https://www.angleauto.com.au/
Angle Finance603303126www.anglefinance.com.au
ANZ11 005 357 522 https://www.anz.com.au
ARG Heavy & Commercial Vehicles45 637 141 998 https://www.arg.ltd/
ARTHURMAC44114517752www.arthurmac.com.au
Aussie Credit59126911635https://aussiecredit.com.au/
Australian Motorcycle & Marine Finance85 603 969 875https://www.ammf.com.au/
Australian Premier Finance54104959435https://www.australianpremierfinance.com.au/login/
Automotive Financial Services73 003 622 375https://www.afs.com.au
Autopay 40 163 691 236 lwww.autopay.com.au
Avanti Finance22222222222 https://www.avantifinance.co.nz/
AWN Insurance 78 075 483 206 www.awninsurance.com.au
Azora 087 826 159 https://www.azorafinance.com/asset-finance
Azora Consumer Car Loans53 147 803 576 https://www.azorafinance.com/asset-finance
Banjo Loans 601 130 527www.banjoloans.com.au
Bizcap 633927090 bizcap.com.au
BOM 33 007 457 141https://www.bankofmelbourne.com.au
BOQ EF 56 065 745 735,www.boqfinance.com.au
BOQ Finance / Leisure92080151266 www.boqfinance.com.au
Branded Financial Services27 004 013 334www.brandedfinancial.com.au
Business Fuel 629 419 021 www.businessfuel.com.au
C1 Car Loans 95 113 695 453www.c1carloans.com.au
Capify 38 630 469 117https://www.capify.com.au/
Capital Finance Australia Ltd23 069 663 136https://www.capitalfinance.com.au
CarStart Finance 47 156 477 413www.carstart.com.au
CBA 48 123 123 124www.commbank.com.au
CFI Finance 166 603 578 https://www.cfifinance.com.au/asset-finance/
Club Marine 15 000 122 850https://www.clubmarine.com.au/
Commercial Equity Group67 009 509 077https://www.commercialequity.com.au/
Community First 80 087 649 938https://communityfirst.com.au/
Credit Concierge 78 625 017 165https://creditconcierge.com.au
Dynamoney 40 603 273 365www.dynamoney.com
Early Pay 098 952 277https://www.earlypay.com.au/
emoney Home Loans079790364 www.emoneyhomeloans.com.au
Finance One 80 139 719 903https://prime.financeone.com.au
Finance One Commercial18 634 900 548https://prime.financeone.com.au
Financial Holdings Limited11111111111 https://www.fhlnz.co.nz/
Finstro 46 605 121 364https://finstro.com/en-au
Firstmac 59 094 145 963https://www.firstmac.com.au
FleetPlan 69143973531 www.fleetplan.com.au
FlexFleet 51081785711https://www.flexfleet.com.au
Flexicommercial Pty Ltd17 644 644 860www.flexicommercial.com
Forward Finance Pty Ltd60162976981forwardfinance.com.au
Fox Symes 35 091 225 357www.foxsymescarloans.com.au
Gedda Money 83 611 343 572www.gedda.com.au
Geneva Finance11111111111https://www.genevafinance.co.nz/?utm_source=googlemaps&utm_medium=auckland
Golden Loans 96 141 873 743https://goldenloans.com.au/
Green Light Auto 39 131 507 474https://loans.greenlightauto.finance
Grenke 27615226045 www.grenke.com.au
Group & General Finance87000903257 https://www.groupandgeneral.com/
In Front Australian Business Solutions21 127 427 445www.infrontabs.com.au
Insurance Entry Only76566776 76767676
Jacaranda Finance53162078195 jacarandafinance.com.au
Judo Bank11 615 995 581https://www.judo.bank/home
Latitude EMotor 80 004 187 419https://emotor.latitudefinancial.com.au
Latitude Personal Loans54008443810 https://www.latitudefinancial.com.au/personal-loan/
LeaseWise 73000132436 https://leasewise.com.au/
Liberty 55 077 248 983www.iq.liberty.com.au
Lumi Finance 75 627 897 625www.lumifinance.com.au
Macquarie Leasing46 008 583 542https://introducer.macquarie.com.au/landing
Macquarie Leasing Commercial46008583542 https://introducer.macquarie.com.au/landing
Madura LTD (Bendigo Leasing and Finance Pty Ltd)15081835332 www.blf.com.au
Maple Asset Finance92674353103 maplecommercial.com.au
Metro CF Pty Ltd85 650 102 891www.metrofin.com.au
Metro Finance 44 600 674 093www.metrofin.com.au
Miracle Car Finance73 121 367 226http://miraclecarfinance.com.au/
Money 3 63 117 296 143www.money3.com.au
Money Place 25 081 982 872https://moneyplace.com.au/how-it-works
MoneyMe 40163691236 https://www.moneyme.com.au/privacy-consent
Moneytech Services Pty Ltd81112110933 www.moneytech.com.au
Moula Money Pty Ltd95164875325 www.moula.com.au/partner
Multipli Pty. Limited12 130 240 443www.multipli.com.au
NAB 12 004 044 937https://www.nab.com.au/
National One Automotive83 130 591 178nationaloneautomotive.com.au
Nautilus Marine 93 004 727 75http://www.nautilusinsurance.com.au/
New Start Auto Loans82 127 430 559www.newstartautoloans.com.au
Now Finance 158 703 612 https://nowfinance.com.au
On Deck Capital Australia Pty Ltd28 603 753 215www.ondeck.com.au
Orix 79002992681 www.orix.com.au
Other Lender 99999999999 www.temporarylender.com.au
Ourmoneymarket 64 605 231 669www.ourmoneymarket.com.au
Parallel Finance 25 132 674 643https://parallel.fi/
Pepper Asset Finance 56 165 183 317https://www.peppermoney.com.au/
Plenti 57 166 646 635https://members.plenti.com.au/Container/brokerportal/login
Presidian 99 166 382 369www.presidianwarranty.com.au
Prospa 47 154 775 667www.prospa.com
Quest 17625126641 https://quest.finance/
RACV Finance Ltd 82 004 292 291racv.com.au/finance
Rapid Loans 54 103 660 546www.rapidloans.com.au
Rapid Loans V1 54 103 660 546www.rapidloans.com.au
Rapid Loansv2 54 103 660 546www.rapidloans.com.au
Resimac Asset Finance93 098 034 041www.resimacassetfinance.com.au
Rohanna Pty Ltd 008 905 477 https://www.johnhughes.com.au/
Salt and Lime 619 815 833https://www.saltandlime.com.au/
Scotpac Business Finance79 008 636 388www.scotpac.com.au
Selfco 099591616 https://selfco.com.au/
Shift 24 149 390 625https://www.shift.com.au/
Society One 423660 societyone.com.au/broker
Southern Cross Credit Union Pty Ltd82 087 650 682https://www.sccu.com.au/
Sovereign Credit 77 089 890 326www.sovereigncredit.com.au
Speedy Business Finance 19648718370 www.speedybusines.com.au
Speedy Finance 51 107 822 766www.speedybusiness.com.au
St George Automotive Finance33007457141 stgeorge.com.au
Swoosh Finance 67118176631 www.swoosh.com.au
Thorn Business Finance87 626 540 832https://www.thornbusinessfinance.com.au/thorn-business-finance/contact-
TL Rentals 27 071 702 264http://www.tlrentals.com.au/
Trucap 26 623 171 773https://www.trucap.com.au/
True Pillars 623 138 241https://www.truepillars.com/
Ume Loans 25 138 637 064www.umeloans.com.au
Volkswagen Financial Services20097071460 www.vwfs.com.au
Westpac 33 007 457 141www.westpac.com.au
WISR 39 119 503 221www.wisr.com.au

Aggregation partners

We have finance aggregation arrangements with the following entities who assist us in having access to a wide range of credit providers. We may utilise their systems as part of our credit assistance process and other platforms for potential ongoing client contact. We may also share your details as part of compliance audits.
  • Fintelligence Pty Ltd (ABN 80 625 017 174), Australian Credit Licence #511803

ACKNOWLEDGEMENT

By signing below, as applicant or guarantor, I acknowledge and declare that I have read and understood this Privacy Consent. I consent to the collection, storage, use and disclosure of my personal information and credit information in accordance with this Privacy Consent. Here is the full text for our credit guide
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We're dedicated to your growth, providing expert loan solutions across Australia to support your financial progress and help you achieve your goals.
Greenside Finance Pty Ltd (ABN 76 678 053 122) trading as Greenside Finance Authorised credit representative ( ACR 561052 ) of Fintelligence Pty Ltd (Australian Credit License #511803)
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