Kubota Australia Pty Ltd, ACN 005 300 621, also trading as Kubota Australia Finance, (‘KAF’, ‘we’, ‘us’, ‘our’) is committed to protecting your privacy and the confidentiality of your personal and credit information (information). In handling your credit information, we are bound by, and comply with, the Privacy Act 1988, the Australian Privacy Principles (APPs) and the Credit Reporting Privacy Code (Code).
1. Collection and storage of personal information
We collect information from, and about, you to, as appropriate:
- respond to your enquiries about our finance products or insurances we can source for you
- to confirm your identity
- assess your credit application and provide you with the finance you require from us
- assess the application for finance made by a company of which you are, or were, a director
- assess your application to guarantee the repayment of finance we are considering providing
- provide customer support
- promote our finance products
- manage any complaints
- manage any business arrangements under which we provide or receive goods or services
We also use the information we collect to:
- manage your account
- develop new products, policies and procedures
- undertake market research
- obtain legal and compliance advice about our obligations
- meet our regulatory and legal obligations
The information we collect may include personal identification, contact details, financial information, lending and default history, banking details and transactions, personal and trade references and employment or business history, depending on the relationship you wish to have with us. If you choose not to provide this information, our ability to assist you may be restricted.
Wherever possible, we will collect your information directly from you, or from your broker, should you wish to apply for finance. We may obtain personal information about you from a third party, such as your accountant or banking institution, or a credit reporting body, for a particular purpose. Wherever possible we will tell you who we need to contact and why. However, if you are, or were, a director of a company applying to us for finance, we will collect information about you sourced from publicly available official corporate records and, if a current director, from a credit reporting body.We may also collect information from you if you choose to use our website to communicate with us. We will collect the information you provide, when you fill out a product or service application form or over the telephone or, through our interactive facilities, such as customer enquiry, customer rebate forms, or comment forms.In some circumstances, brokers, dealers, accountants, banking institutions, referees, external dispute resolution schemes, your agents and government bodies, and with your authorisation at the time, a banking transaction data service, may provide us with your information. The circumstances in which third parties provide us with information include purchase or service requirements, employment or finance applications, account management and complaints.We take steps to protect any information we collect so it will be safeguarded from misuse, loss, unauthorised access, use, disclosure or modification.
The law may require us to retain your personal information for a period of time after our business dealings have finished. It is securely stored and disposed of, or de-identified, when no longer required.
2. Website information collection
3. Use and disclosure
We use your information to provide you, or a company of which you are a director, with the finance required, consider your suitability to be a guarantor and perform other functions and activities associated with managing our relationship.
Those functions and activities can include our internal administration, credit assessment, account management, product or service development, compliance audits/reviews, marketing, complaints management, planning and research requirements as well as future offers of finance to you.
Where you, as an individual, apply for finance with us, or agree to act as a guarantor, you authorise how we may collect, use and disclose your personal and credit information in the Privacy Statement and Consent that we ask you to sign before we consider your application for credit or to be a guarantor. Where we collect or disclose information about you from or to another credit provider who is a member of the Australian Finance Industry Association (AFIA), we do so in accordance with AFIA’s National Credit Reference Scheme.
We will disclose your information to third parties only as the Privacy Act permits and where there is a valid reason to do so. All third parties must use your information only for the specific purpose for which we supply it.
Third parties may include:
- Employees, contractors, auditors and advisers
- Credit reporting bodies (CRB)
- Service providers (e.g. computer systems consultants, document custodians, mailing houses etc) to enable them to perform those services), including our service providers in Japan, USA, Germany, Thailand, Indonesia, South Korea, China where information is sent/stored
- Your agents, including your broker, where required
- Insurers, insurance brokers and insurance assessors
- Debt collection agencies
- Referees, where authorised
- Companies to which we are related
- Government authorities and law enforcement agencies, as required by law only.
We may also provide your information to, and receive your information from, Equifax Australia Information Services & Solutions Ltd, which is a credit reporting body (the CRB). We may:
- Disclose your information to the CRB for credit assessment or collections purposes
- Use information provided by the CRB for credit assessment or collections purposes, including:
- Your name, address and date of birth
- Current and previous credit account history
- Your personal or business credit score, depending on the nature of the credit application
- Default history
- Any court proceedings – summons, judgement and Bankruptcy actions
- Serious credit infringements history, covering fraudulently obtaining, or attempting to obtain finance or shown an intention to avoid repayment obligations
- Notify the CRB of any overdue payments, provided they are more than 60 days overdue, we have attempted to collect the payment and we have notified you of our intention to do so
- Notify the CRB of a serious credit infringement if we have reasonable grounds to believe you fraudulently obtained, or attempted to obtain, credit from us or that you have shown an intention to evade your obligations under the contract with us
- We will only do this if we have not been able to contact you over a 6 month period
- Ask the CRB to assess your eligibility to receive direct marketing material from us
Any information shared with, or by, the CRB is held in electronic form, trackable through the CRB or our systems by time, date, account and user.
In addition, we may provide your identification details to both the CRB and RealAML Australia Pty Ltd trading as RealAML to:
- check those details with a document issuer or official record holder via third party systems to confirm your identity; and
- as circumstances require, confirm your identity and otherwise assist in our compliance with Australia’s Anti-Money Laundering and Counter-Terrorism Financing laws
Where information is provided to our service providers in Japan, USA, Germany, Thailand, Indonesia, South Korea, China and New Zealand, we require them to comply with our information management policies and procedures so your information has the same protections as if managed in Australia.
4. Information Access
You can access the personal and/or credit information we hold about you by contacting us in any of the ways shown in (6) below.
You can also access the information the CRB holds about you by contacting them for a copy of that information at:
Equifax Australia Information Services & Solutions Ltd
- Online: www.equifax.com.au/understanding-your-credit-file
- Postal: Address: PO Box 964, North Sydney NSW 2059
If any information is incorrect, out of date or incomplete, you have the right to have that information updated and corrected. If, for any valid reason, we refuse to correct your information, we will explain why.
5. Complaints and Concerns
Please contact us if you have any complaints or queries about how we manage your information or you no longer wish to receive marketing materials. You can contact us by mail, phone or email, as listed in (6) below.
If you lodge a complaint, our Internal Dispute Resolution Team will investigate your complaint. We will commence the investigation within 2 business days and provide you with a response within 14 business days. We will seek your agreement to a longer time if it is needed. We will keep you informed of the investigation process by phone or email at least once a week and provide you with a written response to your complaint within 30 days.
If you do not accept our response, you may take the complaint to our External Dispute Resolution Scheme. Australian Financial Complaints Authority, contact details are:
- Online: www.afca.org.au
- Email: email@example.com
- Phone: 1800 931 678 (free call)
- Mail: Australian Financial Complaints Authority | GPO Box 3, Melbourne, VIC 3001