Easy Drive Pty Ltd ABN 11 111 111 111, is an Authorised Credit Representative #559819 of AFAS Group PTY LTD, Australian Credit Licence #414426.
Privacy Policy
Easy Drive Pty Ltd
General
References to Easy Drive, in this policy mean Easy Drive Pty Ltd (ACN 111 111 111) trading as easydrive.com.au, along with all its subsidiaries, related entities, or controlled entities. The context will determine whether Easy Drive refers to one or multiple entities. Each Company entity may perform different roles regarding your loan, such as acting as a broker or lender. This consent covers the roles of each entity. References to the singular (‘I’ or ‘me’) include the plural (‘We’ or ‘us’).
This privacy policy outlines our compliance with the Privacy Act 1988 (Privacy Act). Terms ‘personal information’ and ‘information’ are used interchangeably, following the definition in section 6 of the Privacy Act.
Easy Drive collects personal information to provide requested products and services and information about other products and services offered by or through us. We protect your personal information in accordance with the Australian Privacy Principles (APP) under the Privacy Act, available at: https://www.oaic.gov.au/privacy and any applicable industry privacy code.
Why We Collect Information
Easy Drive collects information for purposes reasonably necessary for or directly related to our business functions or activities. These include:
- Providing products and services requested by customers, and monitoring, evaluating, and delivering products and services.
- Assisting with queries, resolving complaints, managing information access requests, or handling legal actions involving easy drive.
- Managing customer relationships, accounts, and performing administrative tasks (e.g., risk management, system development, credit scoring, staff training, debt collection, and market research).
- Offering information about products and services from easy drive affiliated providers, and external providers we represent (unless the customer opts out).
- Complying with legal obligations, such as the National Consumer Credit Protection Act 2009, the Privacy Act, and the Anti-Money Laundering and Counter-Terrorism Financing Act 2006.
- Identifying customers or establishing tax status under Australian or foreign legislation, regulation, or treaties, or agreements with tax authorities.
- Gathering and aggregating information for statistical, prudential, actuarial, and research purposes.
- Developing and implementing measures to detect or prevent fraud and credit loss.
- Assisting with marketing and promotional purposes, including disclosing personal information to third parties, contractors, or organizations aiding our marketing and promotion efforts.
Additionally, under Part IIIA of the Privacy Act, we may obtain your consent to collect, use, and disclose information about you. If you do not provide the required information, we may be unable to offer you the requested goods and services.
What We Collect
Easy Drive collects personal information such as name, address, date of birth, gender, marital status, occupation, account details, contact details (telephone, facsimile, email), and financial information. We may also collect personal details for identification purposes over the telephone.
For credit applications, we may collect information about your dependents, current address duration, employer’s details, length of employment, proof of earnings, and previous employment details if applicable.
Disclosure
Easy Drive will not disclose your information to government agencies, private sector organizations, or anyone else unless:
- You have consented.
- You would reasonably expect or have been informed that such information is usually disclosed.
- It is required or authorized by law.
- Your actions imply consent to the disclosure of information.
- It will prevent or lessen a serious and imminent threat to someone’s life or health.
- It is reasonably necessary for law enforcement, protection of public revenue, or investigation of fraud, unlawful activity, or misconduct.
Depending on the product or service, we may disclose information to:
- Affiliated and external product and service providers.
- Appointed auditors.
- Individuals acting on your behalf (e.g., financial adviser, solicitor).
- Your employer, referees, guarantors, or potential guarantors.
- Regulatory bodies, government agencies, or courts.
- Participants in the payment system and financial institutions.
- Insurers.
- Joint borrowers or account holders.
- Credit reporting bodies or debt collection agencies.
- Other financial institutions and organizations.
- Potential business or asset acquirers.
- Suppliers.
- Other specified organizations or individuals.
Identity Verification and Credit Checks
Easy Drive is legally required to conduct identity verification and credit checks under legislation like the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 and the National Consumer Credit Protection Act 2009. Information from online or in-store applications may be used to verify details and conduct credit checks, including e-verification.
Consent for these checks will be sought during the application process. If there is a partial or no match, further documentation may be required for verification.
We may also access and collect your financial records from your financial institutions via an online portal with your consent. This service removes the need for physical financial statements.
If you fail to meet a payment obligation or commit a serious credit infringement, we may disclose this to a credit reporting body. You may request a credit reporting agency not to use your information for pre-screening direct marketing or if you believe you are a victim of fraud.
You have the right to request a copy of your credit reporting information once a year or if it relates to our refusal of credit.
We may disclose information to the following credit reporting bodies:
- Equifax Pty Ltd: http://www.equifax.com.au/privacy
- illion Australia Pty Ltd: https://www.illion.com.au/privacy-policy/
- Experian Asia Pacific Pty Ltd: http://www.experian.com.au/privacy-policy/
Website Data
When visiting the Easy Drive website, our system may record information provided by your browser, including:
- Date and time of visit.
- Browser type and operating system.
- Internet Service Provider and top-level domain name.
- Referring web address.
- IP address.
Website data is kept confidential and used for internal research purposes only.
Cookies
Our websites may send a “cookie” to your computer, providing a unique identification number. Cookies help us interact more effectively with your computer. They may be session cookies (lasting until you close your browser) or persistent cookies (stored longer term). Cookies do not identify individual users.
You can configure your browser to accept, reject, or notify you of cookies. Rejecting all cookies may limit website functionality.
Links to Other Websites
Our websites may link to non-Company websites. We encourage you to read and understand the privacy policies of linked websites before providing information to them.
Advertising & Performance Tracking
We use advertising companies to deliver online advertising. Cookies and Spotlight tags may collect information such as server details, browser type, visit date and time, and marketing performance. Anonymous information may also be collected about website usage for advertising effectiveness and consumer interest studies.
Overseas Storage and Delivery of Information
Easy Drive may use third-party platforms for information delivery and storage at secure locations in Australia, Singapore, the United Kingdom, the United States, Ireland, or Hong Kong. These third-party providers use secure systems and processes equivalent to those required under the Australian Privacy Principles.
Telephone
We may monitor and record telephone calls for training and security purposes.
We will preserve the content of any email that you send us if we are legally required to do so. Where appropriate, we may record your email address against the relevant company name on our confidential customer database.
Your email address is used only to send you information that you have requested and as necessary to complete a transaction or application or for marketing purposes. As part of your use of our email marketing software, Easy Drive allows you to elect to receive, or not to receive, certain information.
Easy Drive will not send you unsolicited email information related to marketing and promotional purposes where you have opted out of receiving such communication, offers or advertisements. Company will not sell, rent or lend our contact lists or our customers’ contact lists (including customer data) to third parties.
All emails that you have requested will have an option to unsubscribe. To unsubscribe from all future Company emails, please opt out here.
Security of Information
Easy Drive takes reasonable care to protect personal information collected or submitted, both physically and digitally. We regularly review security and encryption technologies. However, data transmission over the Internet cannot be guaranteed as totally secure. Upon receiving your transmission, we take steps to secure the information in our customer database.
Contact Us
For questions, further information, or to exercise your rights regarding our privacy practices and policies, please contact our Privacy Officer at:
The Privacy Officer
Easy Drive Pty Ltd
Address
Suburb State Postcode
Phone: 0414 476 730
Email: jaime@easydrive.com.au
Our Privacy Officer will address your concerns within a reasonable period and provide access to information in the manner requested, if practical.
Acceptance and Changes to Privacy Policy
Your use of the easy drive website or products indicates acceptance of this Privacy Policy. This policy replaces any previous versions. Easy Drive may vary the Privacy Policy by publishing changes on the easy drive website, providing sufficient notice of the variation.
Our Complaints Handling Policy
Introduction
We Easy Drive Pty Ltd T/As Name, Australian Credit Representative number xxxxxx) are committed to providing all our customers with excellent service. However, if you or any customer believes we have not adequately met our obligations, or you have a complaint about any of our services; we encourage you to let us know so we can resolve to your satisfaction.
What is a complaint?
A complaint is defined in AS/NZS 10002:2014 and ratified by ASIC as “an expression of dissatisfaction made to or about an organisation, related to its products, services, staff, or the handling of a compliant, where a response or resolution is explicitly or implicitly expected or legally required.”
Any person who is dissatisfied with our service, for any reason, may contact us to complain. Sometimes we may receive negative feedback, which is not an actual complaint and as such may not require a resolution or formal follow up. Whilst we welcome feedback from all our customers, this policy does not apply to feedback of this nature.
How to lodge a complaint
If you have a complaint to make and you have not been able to resolve it to your satisfaction with the staff member involved, we encourage you to let our Complaints Officer know via any of the following contact points:
- In writing to – Business Address
- Via phone on 0414 476 730
- Via email on jaime@easydrive.com.au
- Via our website – https://easydrive.com.au/
When making a complaint, please provide the following information:
- Your name and contact details
- Details of the services we provided • The nature of the complaint
- Details of the employee involved
- Copies of any documentation or correspondence supporting the complaint
Extra assistance
Should any extra assistance be required to resolve this issue, including language interpretation please let our Complaints Officer know. We will then attempt to rectify any such challenge.
Our internal resolution processes
Upon receiving a complaint in writing, our Complaints Officer will attempt to contact the complainant within a maximum 24 hours, using the same medium that complaint was received or in a manner requested by complainant. This initial contact will be to at least acknowledge receipt of the complaint and our intent to investigate and resolve asap.
Subsequently, our Complaints Officer will proactively and respectfully address the matter directly with the complainant with an intent to resolve within 5 business days. Sometimes this will not be possible, but in all circumstances, we will formally respond in writing within a regulatory maximum of 30 calendar days from when the complaint was first received.
Within this 30 day period, and unless resolved to the complainant’s satisfaction within 5 business days, our Complaints Officer will put in writing the following details to the complainant:
- Details of complaint received.
- Contact details of our Complaints Officer.
- Outcome of our internal complaint investigation, including steps and decisions taken.
- An explanation of our decision measured against complaint made and investigation taken.
- The complainant’s right to contact our External Dispute Resolution body (see details below should they not be fully satisfied with the outcome of our internal process.
External Dispute Resolution
If an issue has not been resolved to your satisfaction, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA). Our membership number is xxxxx.
AFCA provides fair and independent financial services complaint resolution that is free to consumers. Details are as follows:
- Website via easydrive.com.au
- Email via jaime@easydrive.com.au
- Telephone via 0414 476 730 (free call)
- In writing to Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001
Credit Guide/Quote + Privacy Consent
Licensee Details – Contact Details
Easy Drive Pty Ltd T/As Company
ABN: 11 111 111 111
ACN: 111 111 111
Post: Address, Suburb State Postcode
Phone: 0414 476 730
Authorised Credit Representative #111111 of Australian Credit Licence #414426 (AFAS Group Pty Ltd, ABN 12 134 138 686)
Credit Guide Overview
The National Consumer Credit Protection Act 2009 states we must provide consumers with a Credit Guide and Quote as soon as practical after it becomes apparent we are likely to provide credit assistance. The Credit Guide and Quote contains information on the service we provide, details of our obligations under the NCCP Act 2009 to ensure credit is not unsuitable for your circumstances, maximum fees and charges payable to us by you as the consumer, a guide to the commissions we may receive from credit providers, and details of fees that may be payable by easy Drive to third party referrers.
Services we Provide
Our Credit Assistance services in sourcing and arranging a suitable loan include:
- Obtaining further information from, including but not limited to, employers, accountants, and credit reporting agencies;
- Investigating suitable loans and providing you with information about one or more loans that meet you objectives;
- Assessing, verifying and documenting information, ensuring the chosen loan is not unsuitable for you;
- Helping you complete the application, compiling the document required by the credit provider and submitting the application to the credit provider;
- Liaising with the credit provider during the approval process, providing any further information that may be required and notifying you of the credit providers decision;
- Assisting with the finalisation of the loan required
Our “Licensee” obligations to ensure credit is not “unsuitable”
To help us ascertain a credit contract is not unsuitable, we are required by law to:
- Make reasonable enquiries about your requirements and objectives
- Make reasonable enquiries about your current financial situation
- Take reasonable steps to verify the information
If at the time of assessment there is evidence suggesting you are unable to afford the repayments of the credit provided, or the credit provided will cause substantial hardship, or the credit provided will not meet your requirements/objectives, then the credit will be deemed unsuitable.
Due to the importance of proving credit is not unsuitable, we will require a significant amount of information, and accuracy of this information is equally important.
To ensure a credit contract if not unsuitable, we will complete a preliminary assessment of your requirements and financial position. We must keep this preliminary assessment for 7 years. You may request a copy of this preliminary assessment within 7 years of the assistance being provided. We are only required to provide a copy of this assessment if we give you credit assistance.
Consent and Acknowledgement
By signing this document, acknowledging acceptance by submitting your enquiry, emailing your acceptance to us, e-signing this document, or respond by sending through your supporting documentation requested for an application, you:
- Accept the quote provided for providing credit assistance;
- Confirm the appointment of the credit license to provide credit assistance and to arrange credit on my/our behalf;
- Authorise the Credit Licensee to perform the actions outlines in the Privacy Statement section of this document, and acknowledge that I/ We have received a copy of the Credit Guide;
Our Quote for providing you with Credit Assistance
We may charge you up to $2,500 (incl. GST) or up to 10% of NAF as an Origination Fee for our services when providing credit assistance, although this is only payable should the loan proceed. It is a one-off fee, payable at loan settlement. This fee may be paid directly to you, or part of the loan disbursements. If via loan disbursement, this will increase your loan by the fee amount.
Our “Consumer” Credit Providers
We source credit products from a range of banks, lenders and other credit providers. The table below shows the 6 lenders to whom we introduce the most business. It shows the lenders, their estimated establishment fees and other fees that may be payable. Some second tier lenders may charge a risk fee which can range between 1% – 10% of the car price.
Liberty
| LenderApp | Fee | Monthly Fee | PPSR | |
| Plenti | $499 | $9.90 | $6.80 | |
| Pepper | $449 | $8.90 | $8.00 | |
| RACV | $550 | $0.00 | $0.00 | |
| Firstmac | $400 | $8.00 | $0.00 | |
| AFS | $495 | $15 | $17.60 | |
| $495 | $7.70 | $8.00 |
If you have a complaint
Internal Dispute Resolution
Within our business we follow specific procedures to try to resolve any complaints that you may have. If you have a complaint, please contact our office via email atcomplaints easydrive.com.au. They will try to resolve all concerns quickly and fairly.
External Dispute Resolution
In the unlikely event we cannot resolve your complaint in a satisfactory manner, or you have not received a response from us after 45 days, you can escalate your complaint to the below Ombudsman, a free and independent dispute resolution service provider.
Australian Financial Complaints Authority (AFCA)
A copy of AFCA’s dispute resolution policy is available at www.afca.org.au Free call number: 0414 476 730
Mail: PO Box 964, North Sydney NSW 2059, Australia
Easy Drive membership number is 111 111. You can check the information we hold about you at any time by contacting our Privacy Officer.
The Privacy Officer
Easy Drive Pty Ltd
Phone: 0414 476 730
Email: jaime@easydrive.com.au
Overview – Privacy
Easy drive Pty Ltd, ACN 111 111 111, (‘we’, ‘us’, ‘our’) collects information about you for the purpose you agree to in this Privacy Disclosure Statement and Consent. When you sign below, you agree we can, consistently with Australia’s privacy and credit reporting laws, collect, use and exchange credit and personal information about you for those purposes.
We are collecting credit and personal information (information) about you, as applicable:
To source for you, or a company of which you are a director:
- Consumer credit for personal, household, domestic or residential investment purposes;
- Commercial credit for business purposes; or
- Other services stated in this Privacy Disclosure Statement and Consent (Consent); or
- To support a guarantor application you will provide.
As your broker, we require the information we collect from your to assess your credit, or guarantor, application or the credit application of a company of which you are a director, source a suitable credit provider and any required insurances and to manage the application process, where required. If you do not provide the information sought we may be unable to process your application, or the company’s application, or we may be limited in the other services we can offer you or the company.
Your information – Collection and Credit Reporting Body (‘CRB’) Disclosures
When we collect information from you in the credit application process, we use that information in a number of ways to assess your credit application and to source a suitable credit provider or lessor/or insurance provider.
- We may: Disclose your identification information to a CRB if you wish us to obtain a report on your behalf.
- Use any information the CRB provides in that report to assist us to preliminary assess your consumer credit or guarantor application.
- Disclose your personal information to an insurer or insurers to source any insurances you wish to obtain.
- Disclose your credit information top a credit provider or credit providers to apply for finance on your behalf.
The information we obtain from you is used, subject to compliance with Australia’s privacy and credit reporting laws, only for the purposes listed in this Consent and is not disclosed to any other person except with your permission or as permitted, or required, by law.
Credit Providers
As part of providing our services to you, we may undertake tasks for a credit provider which is reasonably necessary to manage the application process. When doing so, we are acting as agent for the credit provider, with the same privacy law requirements applying to both of us.
We may submit your application to one or more credit providers. Those credit providers and their website addresses are set out in the Schedule at the end of this document.
A credit provider, to whom we submit an application, may disclose information about you to, and collect information about you from, from one or more CRBs.
The website of each credit provider contains details of each CRB with which it deals and other detail about information held about you and describes your key rights. This detail may be described on the credit providers’ websites as ‘notifiable matters’, ‘privacy policy’, ‘credit reporting policy’ or privacy disclosure statement and consent’, and includes –
- That the CRB may include information the credit provider discloses about you to other credit providers to assess your credit worthiness.
- That, if you become overdue in making consumer credit payments you commit a serious credit infringement, the credit provider may disclose that information to a CRB
- How you can obtain the credit providers and/or CRB’s policies about managing your credit information
- Your right to access and/or correct information held about you and to complain about conduct that may breach the privacy and credit reporting laws
- Your right to request a CRB not to undertake pre-screening for purposes of direct marketing by a credit provider
- Your right to request a CRB not to release information about you if you believe you are a victim of fraud
This detail will also be included by the credit provider who approves your application in the privacy disclosure statement and consent document it will provide to you.
Each credit provider website includes information on how to contact the credit provider and how to obtain a copy of its privacy documents in a form that suits you (e.g. hardcopy or email).
Your Rights
You have the right to ask:
- Us to provide you with all the information we hold about you.
- Us to correct the information we hold if it is incorrect.
- Us for copies of our privacy policy and this document, in a form that suits you (e.g. hardcopy or email).
- The CRB not to use our information for direct marketing assessment purposes, including pre-screening.
- The CRB to provide you with a copy of the information it hold about you.
You can gain access to the information we hold about you by contacting our Privacy Officer at Address, Suburb, Postcode. Or by telephone on 1300 111 111 or email at jaime@easydrive.com.au. In some cases an administration fee may be charges to cover the cost of providing the information.
Our privacy policy is available on our website at www.website.com.au or we will provide you with a copy if you ask us.
Electronic Communications Consent (ECC)
I understand and acknowledge that if I give this consent to electronic communications:
- paper based documents may no longer be given;
- electronic communications must be regularly checked for documents; and
- consent to the giving of documents by electronic communication may be withdrawn at any time.
I authorise Company to provide any or all information to me through electronic communication in accordance with the Electronic Transactions Act 1999 and the National Consumer Credit Protection Act 2009, including but not limited to:
- notices and disclosure documents about my credit application such as a Credit Guide or a copy of my assessment;
- financial services disclosures such as a Financial Services Guide;
- credit contract documents or variations to a credit contract;
- any other notices or documents required by any law; and
- notices or documents from Company.
I authorise Company to act on instructions I send to them electronically, including but not limited to:
- email to the email address provided by Company on its websites; or
- any other method of electronic communication permitted by law.
Providing personal information about other persons
I undertake that if I give Company personal information about another person e.g. my referee, I will show them a copy of this document so they may understand the manner in which their personal information may be used or disclosed by Company in connection with my dealings with Company.
Disclosure and Consent
By Signing below, you agree we may:
Use your personal and credit information:
- To assess your consumer or commercial credit and/or guarantee application and/or to assess a credit application by a company of which your are a director.
- To source any finance you require.
- To source any insurance you require.
As the law authorises or requires:
- Disclose to, and obtain from, any prospective credit provider or insurer, information about you that is reasonably necessary to obtain the finance and insurances required;
- Obtain from, and disclose to, any third party information about you, the applicant(s) or guarantors(s) that is reasonably necessary to assist you obtain the finance and insurances required;
- Provide your information, including your credit report(s), to one or more of the credit providers specified in the Schedule of Credit Providers below so they can assess your application, or the application of a company of which you are a director, or your suitability as a guarantor;
- Provide credit information about you to a guarantor, or prospective guarantor;
- Provide you, or the company of which your are a director with offers or information of other goods or services we, or any of our associated entities, may be able to provide to you or the company, unless you tell us not to;
- Disclose your personal and credit information to the extent permitted by law to other organisations that provide us with services, such as contractors, agents, printers, mail houses, lawyers, document custodians, securitises and computer systems consultants or providers, so they can perform those services for us; and
- Disclose your personal information to any other organisation that may wish to acquire, or has acquired, an interest in our business or any rights under your contract with us, or the contract with us of a company of which you are a director.
You also agree and consent to, as appropriate:
- A CRB disclosing consumer credit information to one or more Credit Providers below for the purpose of assessing your application for consumer or commercial credit or your guarantor application, and/or assessing a credit application by a company of which you are a director.
- When you are a prospective guarantor, a credit provider using that information to assess your suitability as a guarantor.
- A credit provider disclosing your credit information (including information obtained by it from a CRB) to a guarantor, or a prospective guarantor.
- A credit provider disclosing to another credit provider, for a particular purpose, information it holds about you.
Where the applicant, or guarantor, is a company of which you are a director, you consent to the use of your information, in addition to the company’s information, in each of the ways listed above.
Authorisation
By signing below, you also authorise us to make a request on your behalf to obtain credit reporting information about your consumer and commercial credit worthiness from a CRB. That information will assist us in providing our services to you. This authorisation ceases when we undertake a task on behalf of a credit provider.
Schedule Of Credit Providers
| Credit Provider | Website |
| Latitude Group | latitudefinancial.com.au |
| WISR Finance Pty Ltd | wisr.com.au |
| Volkswagen Financial Services Pty Ltd | vwfs.com.au |
| Automotive Financial Services Pty Ltd | afs.com.au |
| Commercial Equity Group Ltd | commercialequity.com.au |
| R.A.C.V. Finance Limited | racv.com.au |
| Secure Funding Pty Ltd (Liberty) | liberty.com.au |
| Pepper Asset Finance Pty Ltd | peppergroup.com.au |
| Fin One Pty Ltd | finone.com.au |
| Zwab Ventures Pty Ltd (Biz Cap) | bizcap.com.au |
| Money3 Loans Pty Ltd | money3.com.au |
| Plenti RE Limited | plenti.com.au |
| Azora Finance (Services) Pty Ltd | azora.com.au |
| Morris Finance Ltd | morrisfinance.com.au |
| Firstmac Limited | firstmac.com.au |
| Ume Loans Pty Ltd | umeloans.com.au |
| Forward Finance Pty Ltd | forwardfinance.com.au |
| Medfin Australia Pty Ltd | medfin.com.au |
| National Australia Bank Limited | nab.com.au |
| Affordable Car Loans Pty Ltd | affordablecarloans.com.au |
| Now Finance Group Pty Ltd | nowfinance.com.au |
| Group & General Finance Pty Ltd | groupandgeneral.com |
| Angle Finance | anglefinance.com.au |
| Resimac Asset Finance Pty Ltd | resimacassetfinance.com.au |
| Moneytech Group Ltd | moneytech.com.au |
| MoneyMe Financial Group Pty Ltd (autopay) | autopay.com.au |
| Branded Financial Services Pty Ltd | brandedfinancial.com.au |
| Australian Motorcycle and Marine Finance Pty Ltd | ammf.com.au |
| Westpac | westpac.com.au |
| Capital Finance Australia Limited | capitalfinance.com.au |
| United Loan Solutions t/as Gedda Money | gedda.com.au |
| Australia and New Zealand Banking Group Limited | anz.com.au |
| Moula Money Pty Ltd | moula.com.au |
| SocietyOne Australia Pty Ltd | www.societyone.com.au |
| Business Fuel (Cash Advance) Pty Ltd | businessfuel.com.au |
| Metro Finance Pty Ltd / Metro CF Pty Ltd | metrofin.com.au |
| Lumi Finance Pty Ltd | lumi.com.au |
| Thornmoney Pty Ltd | thorn.money |
| Scottish Pacific Business Finance Pty Ltd | scotpac.com.au |
| Flexicommercial Pty Ltd | flexicommercial.com |
| Multipli Pty Ltd | multipli.com.au |
| EarlyPay Ltd | earlypay.com.au |
| Judo Bank Pty Ltd | judo.bank |
| CBA Asset Finance | commbank.com.au |
| Credit Corp Financial Services Pty Limited | carstart.com.au |
| Specialist Equipment Leasing Finance Easy Drive Pty Ltd | selfco.com.au |
| Westpac Banking Corporation | westpac.com.a |
| Grow Finance Limited | grow.com.au |
| Bank of Queensland Limited | boqfinance.com.au |
| Australian Premier Finance Easy Drive Pty Ltd | australianpremierfinance.com.au |
Website Terms of Use
Welcome to the Easy Drive Pty Ltd Easy Drive website easydrive.com.au Company (ABN 11 111 111 111) operates this Website, with the registered office located State. In these Terms of Use, “we,” “our,” and “us” refer to Company.
Table of Contents
- Introduction
- Privacy Policy
- Third Party Products
- The Company Service and How We Are Paid
- Permitted Use
- Registering an Account
- No Advice
- Intellectual Property Rights
- Exclusions of Liability
- Indemnity
- Contact Us
- General
- Governing Law
Introduction
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- By accessing and using this Website, you agree to comply with these Terms of Use. If you do not agree, you are no longer permitted to access or use this Website.
- Violation of these Terms of Use will result in the immediate revocation of your right to access and use this Website.
- This Website is intended for Australian residents aged 18 years and over. The content, including products and prices, is frequently updated. Products may be withdrawn at any time without notice.
- We may amend these Terms of Use at any time. The amended Terms will be effective upon posting on this Website. Continued use of the Website constitutes acceptance of the amended Terms.
- Information presented on this website is based off generalisations. Any advice given does not take into account your objectives, financial situation or needs so please consider whether it is appropriate for you. Subject to suitability. Finance available to approved applicants only. Credit criteria, fees and charges apply. Terms and conditions available on request.
- Easy Drive obtains your loan estimate via making a request to a credit reporting body to access your credit reporting information. In order to do this, Easy Drive Pty Ltd will first submit your personal information to the credit reporting body and will be acting as an “Access Seeker” to make the request. The process of obtaining your loan estimate will NOT impact your credit score. Proceeding with your loan estimate for approval with any particular lender may result in a formal credit enquiry.
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Privacy Policy
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- We prioritize your privacy. Please refer to our Privacy Policy to understand how we use, store, and transfer your information. Use of this Website is subject to our Privacy Policy.
Third Party Products
- This Website offers access to products provided by third parties. We do not control these third parties. Verify and satisfy your personal preferences and requirements before applying for or obtaining any product. Consult relevant product disclosure statements before making a purchase.
- All prices are in Australian dollars (AUD $).
- We are not liable for any loss or damages incurred in connection with products obtained through this Website.
- Product statements on this Website are summaries for comparison purposes. Confirm the precise terms of any product prior to purchase. Information is available to Australian residents only, unless otherwise stated.
- Submitting personal details through this Website allows you to make an offer to obtain a product from a third party. Acceptance of your offer by the third party forms a contract, subject to their terms and conditions. You will receive confirmation if your offer is accepted.
TheEasy Drive Service and How We Are Paid
- We provide services to research and compare life insurance, car insurance, loans, energy, broadband products, and credit cards from third parties.
- comparison service is free to use, subject to these Terms of Use. We receive commission from third party providers if you successfully purchase a product.
Permitted Use
- You may use this Website for personal use only, in compliance with these Terms of Use. Commercial use is prohibited.
- Do does not engage in activities that affect the security of this Website or any information stored within it.
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You agree not to:
- Use automated tools to access or extract data.
- Duplicate or distribute website content without permission.
- Use methods to obtain, process, or repackage website content.
- Reverse engineer or deconstruct the Website’s source code.
- Use tools to obtain large amounts of data.
- Attempt to uncover valuation or business methodologies.
- Post or send spam as defined in the Commonwealth Spam Act (2003).
- Unlawful or fraudulent use of this Website is prohibited.
- Any information provided by you on this Website must be true, accurate, and complete.
Registering an Account
- You may create a personal account to access member services. Accounts are created using a username and password or social media authentication.
- If you create an account, you agree that:
- Your Login Details are for your use only.
- You will keep your Login Details secure and confidential.
- You are responsible for actions taken with your Login Details.
- Breaches of these Terms under your Login Details will be treated as breaches by you.
- If your Login Details are compromised, notify us immediately and change your password. We are not liable for losses due to unauthorised use of your Login Details.
- We may deactivate your account for unauthorised use and will notify you via provided contact methods.
No Advice
- Easy Drive does not offer financial, investment, or other monetary advice. Nothing on this Website constitutes such advice.
- This Website is for comparison and research purposes only. We do not bind third party providers or ensure they will sell products to you. Products are subject to third party approval.
Intellectual Property Rights
- Easy Drive trademarks and associated logos are owned by Company or its subsidiaries.
- All intellectual property rights in content on this Website are owned or licensed by easy drive.
- Use of trademarks is restricted:
- Do not use them as part of your own trademarks.
- Do not use them in a way that causes confusion or defamation.
- Do not imply endorsement of products or services not related to Company.
- Intellectual property rights cannot be used without our written consent.
Exclusions of Liability
- This Website, content, and services are provided “as is.” We make no warranties regarding their value, purpose, reliability, accuracy, completeness, security, or error-free status.
- Use of this Website and actions taken based on its information are at your own risk. Company is not liable for any losses incurred.
- We do not guarantee the Website is free from harmful elements like viruses.
- We aim for continuous uptime but do not guarantee it. We may suspend, restrict, or terminate access at any time.
- We are not liable for:
- Losses from using or relying on this Website.
- Removal of your data or information.
- Losses from service interruptions or website failures.
- Removal of your content or communications.
- Circumstances beyond our control.
- Losses or damages not directly caused by us or reasonably expected.
Indemnity
- You agree to indemnify us, our directors, employees, agents, and contractors for any loss or expenses from a breach of these Terms of Use or your use of this Website.
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Contact Us
- We provide links to third-party websites for additional information. We do not control or endorse these websites. We are not liable for any loss incurred from accessing third-party sites.
- For questions about this Website or our services, please contact us.
General
- If any part of these Terms is invalid or unenforceable, it will be replaced by a valid provision reflecting the spirit of the original. The rest of the Terms will continue in effect.
- Failure to enforce rights under these Terms does not prevent further action.
- These Terms constitute the entire agreement between you and us regarding your use of this Website, superseding any prior agreements.
Governing Law
- These Terms and your use of this Website are governed by the laws of Australia and the Commonwealth of Australia.
- You and we submit to the non-exclusive jurisdiction of the courts of Australia and the Commonwealth of Australia in relation to these Terms and your use of this Website.
By using this Website, you agree to these Terms and Conditions.
Privacy Disclosure Acknowledgement and Consent
Licensee Details – Contact Details
Easy Drive Pty Ltd T/As Name
ABN: 11 111 111 111
ACN: 111 111 111
Address, Suburb State Postcode
Phone: 0414 476 730
Authorised Credit Representative #111111 of Australian Credit Licence #414426 (AFAS Group Pty Ltd, ABN 12 134 138 686)
Overview – Privacy
Easy Drive Pty Ltd, ACN 111 111 111, (‘we’, ‘us’, ‘our’) collects information about you for the purpose you agree to in this Privacy Disclosure Statement and Consent. When you sign below, you agree we can, consistently with Australia’s privacy and credit reporting laws, collect, use and exchange credit and personal information about you for those purposes.
We are collecting credit and personal information (information) about you, as applicable:
To source for you, or a company of which you are a director:
- Consumer credit for personal, household, domestic or residential investment purposes;
- Commercial credit for business purposes; or
- Other services stated in this Privacy Disclosure Statement and Consent (Consent); or
- To support a guarantor application you will provide.
As your broker, we require the information we collect from your to assess your credit, or guarantor, application or the credit application of a company of which you are a director, source a suitable credit provider and any required insurances and to manage the application process, where required. If you do not provide the information sought we may be unable to process your application, or the company’s application, or we may be limited in the other services we can offer you or the company.
Your information – Collection and Credit Reporting Body (‘CRB’) Disclosures
When we collect information from you in the credit application process, we use that information in a number of ways to assess your credit application and to source a suitable credit provider or lessor/or insurance provider.
- We may: Disclose your identification information to a CRB if you wish us to obtain a report on your behalf.
- Use any information the CRB provides in that report to assist us to preliminary assess your consumer credit or guarantor application.
- Disclose your personal information to an insurer or insurers to source any insurances you wish to obtain.
- Disclose your credit information top a credit provider or credit providers to apply for finance on your behalf.
The information we obtain from you is used, subject to compliance with Australia’s privacy and credit reporting laws, only for the purposes listed in this Consent and is not disclosed to any other person except with your permission or as permitted, or required, by law.
Credit Providers
As part of providing our services to you, we may undertake tasks for a credit provider which is reasonably necessary to manage the application process. When doing so, we are acting as agent for the credit provider, with the same privacy law requirements applying to both of us.
We may submit your application to one or more credit providers. Those credit providers and their website addresses are set out in the Schedule at the end of this document.
A credit provider, to whom we submit an application, may disclose information about you to, and collect information about you from, from one or more CRBs.
The website of each credit provider contains details of each CRB with which it deals and other detail about information held about you and describes your key rights. This detail may be described on the credit providers’ websites as ‘notifiable matters’, ‘privacy policy’, ‘credit reporting policy’ or privacy disclosure statement and consent’, and includes –
- That the CRB may include information the credit provider discloses about you to other credit providers to assess your credit worthiness.
- That, if you become overdue in making consumer credit payments you commit a serious credit infringement, the credit provider may disclose that information to a CRB
- How you can obtain the credit providers and/or CRB’s policies about managing your credit information
- Your right to access and/or correct information held about you and to complain about conduct that may breach the privacy and credit reporting laws
- Your right to request a CRB not to undertake pre-screening for purposes of direct marketing by a credit provider
- Your right to request a CRB not to release information about you if you believe you are a victim of fraud
This detail will also be included by the credit provider who approves your application in the privacy disclosure statement and consent document it will provide to you.
Each credit provider website includes information on how to contact the credit provider and how to obtain a copy of its privacy documents in a form that suits you (e.g. hardcopy or email).
Your Rights
You have the right to ask:
- Us to provide you with all the information we hold about you.
- Us to correct the information we hold if it is incorrect.
- Us for copies of our privacy policy and this document, in a form that suits you (e.g. hardcopy or email).
- The CRB not to use our information for direct marketing assessment purposes, including pre-screening.
- The CRB to provide you with a copy of the information it hold about you.
You can gain access to the information we hold about you by contacting our Privacy Officer at Address. Or by telephone on 0414 476 730 or email at privacy jaime@easydrive.com.au . In some cases an administration fee may be charges to cover the cost of providing the information.
Our privacy policy is available on our website at www.website.com.au or we will provide you with a copy if you ask us.
Electronic Communications Consent (ECC)
I understand and acknowledge that if I give this consent to electronic communications:
- paper based documents may no longer be given;
- electronic communications must be regularly checked for documents; and
- consent to the giving of documents by electronic communication may be withdrawn at any time.
I authorise easy drive to provide any or all information to me through electronic communication in accordance with the Electronic Transactions Act 1999 and the National Consumer Credit Protection Act 2009, including but not limited to:
- notices and disclosure documents about my credit application such as a Credit Guide or a copy of my assessment;
- financial services disclosures such as a Financial Services Guide;
- credit contract documents or variations to a credit contract;
- any other notices or documents required by any law; and
- notices or documents from Boost Money.
I authorise easy drivee to act on instructions I send to them electronically, including but not limited to:
- email to the email address provided by easy drive on its websites; or
- any other method of electronic communication permitted by law.
Providing personal information about other persons
I undertake that if I give easy drive personal information about another person e.g. my referee, I will show them a copy of this document so they may understand the manner in which their personal information may be used or disclosed by easy drivein connection with my dealings with easy drive.
Disclosure and Consent
By Signing below, you agree we may:
Use your personal and credit information:
- To assess your consumer or commercial credit and/or guarantee application and/or to assess a credit application by a company of which your are a director.
- To source any finance you require.
- To source any insurance you require.
As the law authorises or requires:
- Disclose to, and obtain from, any prospective credit provider or insurer, information about you that is reasonably necessary to obtain the finance and insurances required;
- Obtain from, and disclose to, any third party information about you, the applicant(s) or guarantors(s) that is reasonably necessary to assist you obtain the finance and insurances required;
- Provide your information, including your credit report(s), to one or more of the credit providers specified in the Schedule of Credit Providers below so they can assess your application, or the application of a company of which you are a director, or your suitability as a guarantor;
- Provide credit information about you to a guarantor, or prospective guarantor;
- Provide you, or the company of which your are a director with offers or information of other goods or services we, or any of our associated entities, may be able to provide to you or the company, unless you tell us not to;
- Disclose your personal and credit information to the extent permitted by law to other organisations that provide us with services, such as contractors, agents, printers, mail houses, lawyers, document custodians, securitises and computer systems consultants or providers, so they can perform those services for us; and
- Disclose your personal information to any other organisation that may wish to acquire, or has acquired, an interest in our business or any rights under your contract with us, or the contract with us of a company of which you are a director.
You also agree and consent to, as appropriate:
- A CRB disclosing consumer credit information to one or more Credit Providers below for the purpose of assessing your application for consumer or commercial credit or your guarantor application, and/or assessing a credit application by a company of which you are a director.
- When you are a prospective guarantor, a credit provider using that information to assess your suitability as a guarantor.
- A credit provider disclosing your credit information (including information obtained by it from a CRB) to a guarantor, or a prospective guarantor.
- A credit provider disclosing to another credit provider, for a particular purpose, information it holds about you.
Where the applicant, or guarantor, is a company of which you are a director, you consent to the use of your information, in addition to the company’s information, in each of the ways listed above.
If you have a complaint
Internal Dispute Resolution
Within our business we follow specific procedures to try to resolve any complaints that you may have. If you have a complaint, please contact our office via email at jaime@easydrive.com.au. They will try to resolve all concerns quickly and fairly.
External Dispute Resolution
In the unlikely event we cannot resolve your complaint in a satisfactory manner, or you have not received a response from us after 45 days, you can escalate your complaint to the below Ombudsman, a free and independent dispute resolution service provider.
Australian Financial Complaints Authority (AFCA)
A copy of AFCA’s dispute resolution policy is available at www.afca.org.au Free call number: 0414 476 730
Mail: PO Box 964, North Sydney NSW 2059, Australia
Company membership number is 111111. You can check the information we hold about you at any time by contacting our Privacy Officer.
The Privacy Officer
Company Pty Ltd
Address
Suburb State Postcode
Phone: 0414 476 730
Email: jaime@easydrive.com.au
Authorisation
By signing below, you also authorise us to make a request on your behalf to obtain credit reporting information about your consumer and commercial credit worthiness from a CRB. That information will assist us in providing our services to you. This authorisation ceases when we undertake a task on behalf of a credit provider.
Schedule Of Credit Providers
| Credit Provider | Website |
| Latitude Group | latitudefinancial.com.au |
| WISR Finance Pty Ltd | wisr.com.au |
| Volkswagen Financial Services Pty Ltd | vwfs.com.au |
| Automotive Financial Services Pty Ltd | afs.com.au |
| Commercial Equity Group Ltd | commercialequity.com.au |
| R.A.C.V. Finance Limited | racv.com.au |
| Secure Funding Pty Ltd (Liberty) | liberty.com.au |
| Pepper Asset Finance Pty Ltd | peppergroup.com.au |
| Fin One Pty Ltd | finone.com.au |
| Zwab Ventures Pty Ltd (Biz Cap) | bizcap.com.au |
| Money3 Loans Pty Ltd | money3.com.au |
| Plenti RE Limited | plenti.com.au |
| Azora Finance (Services) Pty Ltd | azora.com.au |
| Morris Finance Ltd | morrisfinance.com.au |
| Firstmac Limited | firstmac.com.au |
| Ume Loans Pty Ltd | umeloans.com.au |
| Forward Finance Pty Ltd | forwardfinance.com.au |
| Medfin Australia Pty Ltd | medfin.com.au |
| National Australia Bank Limited | nab.com.au |
| Affordable Car Loans Pty Ltd | affordablecarloans.com.au |
| Now Finance Group Pty Ltd | nowfinance.com.au |
| Group & General Finance Pty Ltd | groupandgeneral.com |
| Angle Finance | anglefinance.com.au |
| Resimac Asset Finance Pty Ltd | resimacassetfinance.com.au |
| Moneytech Group Ltd | moneytech.com.au |
| MoneyMe Financial Group Pty Ltd (autopay) | autopay.com.au |
| Branded Financial Services Pty Ltd | brandedfinancial.com.au |
| Australian Motorcycle and Marine Finance Pty Ltd | ammf.com.au |
| Westpac | westpac.com.au |
| Capital Finance Australia Limited | capitalfinance.com.au |
| United Loan Solutions t/as Gedda Money | gedda.com.au |
| Australia and New Zealand Banking Group Limited | anz.com.au |
| Moula Money Pty Ltd | moula.com.au |
| SocietyOne Australia Pty Ltd | www.societyone.com.au |
| Business Fuel (Cash Advance) Pty Ltd | businessfuel.com.au |
| Metro Finance Pty Ltd / Metro CF Pty Ltd | metrofin.com.au |
| Lumi Finance Pty Ltd | lumi.com.au |
| Thornmoney Pty Ltd | thorn.money |
| Scottish Pacific Business Finance Pty Ltd | scotpac.com.au |
| Flexicommercial Pty Ltd | flexicommercial.com |
| Multipli Pty Ltd | multipli.com.au |
| EarlyPay Ltd | earlypay.com.au |
| Judo Bank Pty Ltd | judo.bank |
| CBA Asset Finance | commbank.com.au |
| Credit Corp Financial Services Pty Limited | carstart.com.au |
| Specialist Equipment Leasing Finance Company Pty Ltd | selfco.com.au |
| Westpac Banking Corporation | westpac.com.a |
| Grow Finance Limited | grow.com.au |
| Bank of Queensland Limited | boqfinance.com.au |
| Australian Premier Finance Company Pty Ltd | australianpremierfinance.com.au |
