Installment Loans offer a referral service to connect you with the most suitable payday or personal loan tailored to suit your needs.
We are a registered Australian online business and base our operations in Brisbane, Queensland.
Our ABN 13 690 290 821 and our Australian Credit Licence number is 389610. Our credit licence is issued to us by ASIC, the regulatory body of the Australian Consumer Credit Industry.
We understand your concerns about the privacy, security and confidentiality of the personal information that you provide to us. We place utmost importance on your privacy and our responsibility to protect it.
We are committed to complying with Australian Privacy Law and the Credit Reporting Code in regards to the personal and credit information that is collected by us from persons applying for or receiving credit from us.
It is not a requirement for you to provide us with your name or any personal information if it is against your wishes. You are welcome to use any name allowed by law. However, if we cannot obtain your real name and verify other pieces of personal information we will not continue to deal with you. It is against the law to provide credit without obtaining proof of your identity which is covered in our Credit Information Policy.
3. What kind of personal information does Installment Loans collect?
When you visit our website, we may store and collect the following information:
Your internet service provider (ISP) or the providers of your internet browser software may also collect similar information for their own purposes. We do not take any responsibility for these entities and their collection, storage and use of such information and advise you to refer to their respective privacy policies.
We may collect and store personal information from you if you deal further with us as either:
Personal information is defined as information or opinions of an individual whose identity can be reasonably ascertained or is apparent.
Installment Loans usually collect personal information from the individual we are dealing with.
The sources we use to collect personal information are:
(a) Through this website www.installmentloans.com.au or any of our other affiliated websites.
(b) From your other interactions with Installment Loans which could include telephone, email, posted mails or any other electronic communication method.
(c) Through any of our other business activities or events.
The personal information that we collect and store from you may include:
If you apply to work at Installment Loans, we may also store and collect personal information and additional sensitive information about you including you:
4. How do we collect your personal information?
We may collect information about you from your visit to our website through our use of technologies such as:
What happens if you block or limit cookies?
You can set up your web browser to block or limit cookies. If you block or limit cookies some features of our website will decrease in efficiency or stop working completely.
If you deal further with us we may collect personal information from you directly. This may be collected:
Apply to us for a variation in the terms of your payments under your (consumer) credit contract due to hardship; or
Apply to be employed by us.
When it is impractical or unreasonable to collect credit, personal and sensitive information from you directly, we may collect it from other sources which may include:
The methods we may use to collect this information from other sources may be:
5. How do we hold and secure your personal information?
We take reasonable steps to keep your personal information safe and secure. These include:
Maintaining a secure environment to store information both ih hardcopy and electronic format.
Ensuring that only authorised personnel have access to such information.
Using encryption technology and password protection to secure information which is stored electronically.
We do not accept any responsibility for the security of any computer or electronic device used by you to access our website.
6. What is the purpose of us holding, collecting using and disclosing your personal information?
The types of people that we collect, hold, use and disclose personal information include but are not limited to:
We will only collect, hold, use and disclose your personal information for the following purposes which are:
We will also collect, use, hold and disclose your personal information if you apply for credit from us or receive credit from us in order to:
Your personal information, which includes credit and sensitive information may be disclosed to other parties as part of the procedure involved in a merger, acquisition, business sale, or sale of other assets. Before we disclose any personal information, we will give you notice and the opportunity to opt out, in that instance, of the provision of such information.
Your personal information will only be disclosed to a prospective purchaser or service supplier if it is essential for the reasons listed above. We will:
7. Supply of personal information to overseas recipients
As part of our information technology system we supply your personal information to overseas recipients who are likely to be in the United States and New Zealand
8. How to access the personal information we hold about you
To request access to the personal, sensitive and credit information that we hold about you please contact us by phone, email or post. If you are contacting us in writing please ensure that you have the correct scanned attachments for verification purposes.
Please use the contact details below to send your request for access.
Privacy Officer Installment Loans
8 Budawang St Parkinson QLD 4115
Call us on - 0424 10 20 33
Email us - firstname.lastname@example.org
If we cannot provide you with access to your personal, sensitive or credit information, we will explain our reasons in writing within a reasonable timeframe.
Access will not be provided if the information we hold may:
9. How to update and correct personal information we hold if its wrong.
If any of the personal information we hold about you is incorrect please contact us by telephone, email or mail, identify yourself an explain what needs to be changed.
If we are unable to make the required changes, we will advise you of the reasons in writing within 14 days
10. Complaints process regarding how we deal with your personal information
If you are not satisfied with the reasons explained about or have any concerns or complaints about how your personal information is collected, held, used or disclosed by us, please contact our Privacy Officer.
Our Privacy Officer will follow our Privacy Internal Dispute Resolution Process and provide a response to your complaint within 14 days.
You can contact our Privacy Officer on:
Privacy Officer Installment Loans
8 Budawang St Parkinson QLD 4115
Call us on - 0424 10 20 33
If you are still not satisfied with our Privacy Internal Dispute Resolution process the next step is to refer you complaint to our External Dispute Resolution Scheme.
Our external body responsible for resolving disputes is:
Australian Financial Complaints Authority Limited.
GPO Box 3 Melbourne VIC 3001
Ph: 1800 931 678
9am - 5pm AEST, Monday to Friday.
You can refer any privacy complaints or concerns about the privacy of your personal information to:
The Office of the Australian Information Commissioner
GPO Box 2999 CANBERRA ACT
Tel: 1300 363 992
Fax: 02 9284 9666
Installment Loans are committed to complying with the Privacy Act 1988, Australian Privacy Principles and the Credit Reporting Code. These are referred to as “Australian Privacy Law” in this policy.
2. Types of credit information collected, held, used and disclosed.
3. How is your credit information collected?
4. How do you hold and secure your credit information?
5. How is your credit information disclosed?
To obtain your credit information from credit reporting bodies there we may need to disclose the credit information we hold about you to them. Credit reporting bodies may include the credit information that we have disclosed about you in reports to other credit providers.
The information includes all the credit information listed above except for your Financial Information. In particular:
Credit reporting bodies that we may disclose your credit information to are:
Illion (Australia) Pty Ltd
PO Box 7405, St Kilda Road, MELBOURNE Vic 3004 Email: email@example.com, www.illion.com.au
PO Box 964, North Sydney, NSW 2059
Tel 138 332
6. Why do you collect, hold, use and disclose your credit information?
Securitisation activities or assignment of debt;
Compliance with legislation including providing your credit information to relevant authorities;
7. Is my credit information supplied to overseas recipients?
We will not provide overseas entities with your credit information, credit eligibility, or credit worthiness except as permitted under Australian Privacy Law.
8. How do I access the credit information that you hold about me?
There is not charge to request access to your credit information. You may incur an administration fee for providing access to your credit information.
We are not permitted to provide access to credit information we hold about you which has come from another credit reporting body, even if they obtained the information from us.
9. How do I correct the credit information held about me?
Your request will be dealt with in compliance with Australian Privacy Law, and you will receive a response and/or reasons from us within 7 business days. We will make a decision no later than 30 days after we received your request.
If we agree to correct credit information that has been supplied incorrectly to a credit reporting body, we will notify the appropriate body within 7 business days of our decision.
10. How do I make a complaint about the way my credit information is dealt with?
11. Policy Changes
Installment Loans (“we”/”us”/”our”) are committed to complying with the Privacy Act 1988, Australian Privacy Principles and the Credit Reporting Code at all times. Together these will be referred to as “Australian Privacy Law.” in this policy.
Under the National Consumer Credit Protection Act 2009, “Hardship” is defined as including “illness, unemployment or other reasonable cause.”
When you complete the application process for a variation in repayment terms on the grounds of hardship, we may collect information from you about illness, unemployment or other reasonable causes of hardship. This type of information is likely to be classified as “sensitive information” under Australian Privacy Law.
3. Sensitive Information
When you are applying for a variation in repayment terms on the grounds of hardship, we will only collect sensitive information when it is relevant to your application. The types of information we may collect from you may include:
4. What are the reasons for collecting and using your sensitive information?
Installment Loans collect, use, hold and disclose your sensitive information for the the purpose of:
5. How is my sensitive information disclosed?
Your sensitive information will only be disclosed for the purposes described above and as permitted under Australian Privacy Law.
Installment Loans will not disclose your sensitive information to any credit reporting bodies or any other credit provider.
We may disclose to such parties that you have entered into a hardship variation.
6. Will sensitive information be disclosed to overseas recipients.
Credit information, credit eligibility and creditworthiness will not be provided to overseas entities except when it is permitted by Australian Privacy Law.
7. How can you access your sensitive information that is held by us.
Making a request to access your own sensitive information is free, but you may be charged an administration fee for the provision of access.
8. How do you make corrections to the sensitive information held by Installment Loans?
9. How can I make a complaint if I am not happy about the way my sensitive information was dealt with?
If you are not satisfied with the outcome of our Internal Dispute Resolution Process relating to your sensitive information, you can refer your complaint to: