"Cash Converters" means Cash Converters International Limited and all its subsidiaries and controlled entities and any entity trading under the Cash Converters brand in Australia, or any one of these depending on the context. Any reference to “us” or “we” is a reference to Cash Converters.
Cash Converters collects personal information to provide you with the products and services you request as well as information on other products and services offered by or through us.
Cash Converters will act to protect your personal information in accordance with the Australian Privacy Principles (APP) under the Privacy Act (which can be found at: http://www.oaic.gov.au/privacy/) and any applicable industry privacy code.
Any information you provide Cash Converters, either using the internet or by any other means, is only collected for purposes which are reasonably necessary for, or directly related to, one or more of Cash Converters business functions or activities. These purposes include:
to develop and implement measures to detect or prevent fraud and credit loss; and
In addition, as required by Part IIIA of the Privacy Act, we may obtain your consent to collect, use and disclose information about you.
If you choose not to provide information which we require for the above purposes, we may be unable to provide you with the goods and services you request from us.
Personal information collected by Cash Converters (or on our behalf) generally comprises name, address, date of birth, gender, marital status, occupation, account details, contact details (including telephone, facsimile and e-mail) and financial information. Sometimes we collect a few personal details unlikely to be known to other people to help us identify you over the telephone.
If you are applying for credit we may also collect the number and ages of your dependants, the length of time at your current address, your employer’s name and contact details, the length of your employment, proof of earnings and, if you have changed employer in the last few years, details of your previous employment.
Cash Converters will not give your information to Government agencies, private sector organisations or anyone else unless one of the following applies:
Depending on the product or service Cash Converters has provided you with, we may disclose information to:
Cash Converters is required by law to conduct identity verification and credit checks under legislation such as the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (identity verification) and the National Consumer Credit Protection Act 2009 (identity verification and credit checks).
Information you give us when you fill out an application online or in-store, including your name, date of birth, residential address and other personal or sensitive information may be used to verify your details and to:
At the time of your application, we will specifically seek your consent for these verifications and checks to be conducted. If there is a partial or no match, you will have an opportunity to submit further documentation in support of your application to enable us to conduct further checks and properly verify your identity.
Where you have given us consent and provided your login and account information, we may access and collect your financial records from your financial institutions on your behalf via an online portal. This service is provided to remove the need for you to provide the physical financial statements we need to assess applications and comply with our obligations under the National Consumer Credit Protection Act 2009.
Please note that if you fail to meet a payment obligation in relation to credit we have provided to you 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 credit reporting body information for the purposes of pre-screening of direct marketing by a credit provider or where you believe on reasonable grounds that you have been, or are likely to be, a victim of fraud.
You have a right to request a copy of your credit reporting information from credit reporting bodies: once a year; or if it relates to our refusal to provide you with credit; or you wish to correct information held on you.
We may disclose information to the following credit reporting bodies:
Equifax Pty Ltd., a wholly owned subsidiary of Equifax Inc.
Address: Equifax - Public Access,
Equifax Australia Information Services and Solutions Pty Limited,
PO Box 964,
NORTH SYDNEY, NSW 2059
illion Australia Pty Ltd (Formerly Dun & Bradstreet (Australia) Pty Ltd)
Postal Address: PO Box 7405
St Kilda Rd Melbourne VIC 3004
Phone: 1300 734 806
Experian Asia Pacific Pty Ltd
Address: Level 20, 101 Miller Street
North Sydney, NSW 2060
Phone: 1300 783 684
If you visit the Cash Converters website to read, browse or download information, our system may record the following information which is provided by your browser:
Website data is kept strictly confidential. It is used for internal research purposes only. It helps us monitor which sections of the site are most popular to give us a clear idea of what type of information and services to include on our site. It also informs us which members and subscribers are using the site so that we can customise the website information and presentation.
When you use one of our web sites, we may send you a “cookie” that gives you a unique identification number. A “cookie” is a packet of information that allows the server (the computer that houses the website) to identify and interact more effectively with your computer. A different identification number is sent each time you use one of our websites. These cookies may be Session cookies which only last until you close your browser, or they may be Persistent cookies which are stored longer term on your computer. Cookies do not identify individual users, although they may identify a user’s browser type and your Internet Service Provider (ISP).
You can configure your browser to accept all cookies, reject all cookies, or notify you when a cookie is sent. Please refer to your browser instructions or help screens to learn more about these functions. If you reject all cookies, you may not be able to use our websites or certain website functions may not work properly or at all.
If you decide to complete an online application form, we will collect the information that you enter into the online form and the IP address of your computer. If you cancel your application prior to submission, any information entered on the current screen which has not yet been submitted, will be automatically deleted. Information you have already submitted to us prior to you cancelling your application may be used to contact you about your application, after which it will be automatically deleted. The deletion referred to above will happen within a reasonable period of time but in any event, no longer than 30 business days.
Our websites may contain links to non-Cash Converters websites. While such links are provided for your convenience, you should be aware that the information handling practices of the linked websites might not be the same as ours and we encourage you to read and understand the privacy policies on these websites prior to providing any information to them.
We use several advertising companies to devise and deliver our online advertising. This often involves displaying banner advertisements on third party websites.
When you see one of our advertisements on a third party website, cookies and, in some cases, Spotlight tags are sometimes used to collect information such as:
When you visit our websites directly or after seeing one of our advertisements on a third party website, anonymous information is collected on how you use our website. This might include which pages you view, and whether you start or complete an online application. The tracking companies aggregate all the captured information and use it to study internet user behaviour patterns.
They do not include personal information in their studies and use the data mainly to measure advertising effectiveness and relative consumer interest in the various areas of our websites. No personal information is collected during this process. If, however, any information is automatically collected, the tracking companies are required under their arrangements with us to maintain the privacy and confidentiality of that personal information.
We may disclose the information collected, in an aggregated form only, to third parties including advertisers or potential advertisers.
Cash Converters may store information collected from you at secure third party internet based hosting locations in Australia, Singapore, The United Kingdom, The United States of America, Ireland or Hong Kong. These third party providers store the data securely using systems and processes which are equivalent to those required under the Australian Privacy Principles, so that Cash Converters can update, use or disclose the collected information remotely.
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 and promotional purposes. As part of your use of our email marketing software, Cash Converters allows you to elect to receive, or not to receive, certain information.
Cash Converters will not send you unsolicited email information relating to marketing and promotional purposes where you have opted out of receiving such communication. Cash Converters 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 Cash Converters emails, please opt out here.
Cash Converters regularly reviews developments in security and encryption technologies. As no data transmission over the Internet can be guaranteed as totally secure, Cash Converters cannot guarantee the security of any information you transmit to us or which is generated from our online products or services and you engage with us at your own risk.
Upon receiving your transmission, we ensure that reasonable steps are taken to preserve the security of the information in our customer database.
If you have any questions or would like further information about our privacy and credit information handling practices and policies, or a hard copy of this policy, or you wish to exercise your right to make a correction, complaint or request access to any information which we have collected about you, please contact our Privacy Officer at:
The Privacy Officer
Level 11, 141 St Georges Terrace
Perth WA 6000
Phone: 08 9221 9111
Our Privacy Officer will attend to your matter within a reasonable period after your communication is received and if access to information has been requested, will give access to the information in the manner requested by you, for a reasonable fee where it is reasonable and practical to do so.