When you trust Agrilending with your personal and credit related information (Personal Information), we know you expect us to protect it and keep it safe.

We are committed to protecting your privacy and will comply with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. They govern how we collect, use, hold and disclose your Personal Information and how we ensure it is accurate and secure.

A reference to “Agrilending” or “we” or “us” in this Policy refers to all Agrilending companies that collects, handles and uses your Personal Information. This policy applies to all Agrilending companies.

What personal and credit related information do we collect?

We collect and hold your Personal Information for the purpose of providing commercial credit. The Personal Information we may collect includes:

• Identification information like your name, date of birth, property addresses, email addresses and contact numbers.
• Credit related information to you including your financial and credit situation and history, e.g. the types and amounts of loans and loan applications, repayment history, requests for information about you from credit providers and mortgage insurers, credit defaults, court proceedings and personal insolvency as well as information that has been derived about you by credit reporting bodies such as a credit report.
• Credit related information related to your entity including your organisational affiliations, financial information, property details, payment or billing details, historical and current account information.

If you do not provide us with the information we ask for, we may not be able to approve an application or deliver our services effectively or at all.

How do we collect Personal Information?

We may collect your Personal Information in the following ways:

• We collect most Personal Information directly from you.
• We may obtain Personal Information from credit reporting bodies.
• We collect information about you from third parties, such as your service providers, agent, accountants, representatives, your organisation and authorised persons.
• We may also collect information about you that is publicly available, for example from public registers or social media, or made available by third parties.
• We also collect information from you electronically. If you log into the Agrilending website, we may collect information from you to confirm your identity.
• When you use our website we may collect information about your location or activity including the date of and time of visits, which pages are viewed, how you as the user navigate through the website and interact with the webpages, information about the device used to visit our website and whether you’ve accessed third party sites. Some of this information is collected using cookies.

How do we hold and manage Personal Information?

Much of the information we hold about you will be stored electronically in secure data centres located in Australia. Some of your information may be stored in paper files.

We use a range of physical and electronic security measures to protect the security of the Personal Information we hold. For example:

• Access to information systems is controlled through identity and access management.
• Employees are bound by internal information security policies and are required to keep information secure.
• All employees are required to complete training about information security.

How do we use your information?

We use your Personal Information to provide you with our products and services. We may use this information to:

• establish and verify your identity
• assess your application
• assess your credit information and the credit information of the company, partnership or trust, of which you are a director, member, partner, trustee, to provide suitable credit facilities.
• obtain and disclose credit information to credit providers for the purpose of obtaining credit reports about you
• obtain and disclose credit information to credit providers for the purpose of obtaining credit reports of the entity as a company, partnership or trust.
• obtain from, and disclose to, any third party, information about you, that is necessary to verify and assess you and your identity for the credit required
• manage our relationship with you
• provide information to our agents who we use to manage and oversee your account,
• administer our products and services
• tell you about products and services offered by Agrilending or our preferred suppliers that we believe may interest you – unless you ask us not to
• manage our risks and help identify and investigate illegal activity, such as fraud
• conduct and improve our businesses and improve our customers’ experience
• comply with our legal obligations and assist government and law enforcement agencies or regulators.

Disclosure of Personal Information

We may disclose your information with third parties for any of the purposes for which we collect, use your Personal Information. These third parties may include:

• Your advisers, agents and service providers and anyone to whom you have agreed we may provide your information
• Our subsidiaries, agents, distribution partners, funders, legal advisers, accountants, auditors and external dispute resolution scheme and any other contractors or external service providers
• Other organisations who provide products or services to you jointly with us
• Other organisations who we believe may be able to offer services that are of interest to you. These organisations may contact you directly in relation to such services.
• Where we are required or permitted to do so by law.
We require all our service providers to comply with the privacy laws.

Do we disclose Personal Information overseas?

In order to run our business, we may disclose some of your Personal Information (including credit information) with organisations (for example, our related entities and service providers) that are located outside Australia.

• Agrilending service providers that are outside Australia are likely to be located in Japan and the United States.

Credit Related Information

When you apply for credit or propose to be a guarantor, we need to know if you’re able to meet payments under your agreement with us. We also want to avoid giving you further credit if this would put you in financial difficulty. One of our checks involves obtaining credit reports of the entity and individuals stated in the credit application. If you apply, you consent for Agrilending to disclose names, residential addresses and date of births to a credit reporting agency and ask the credit reporting agency to provide an assessment of whether the personal information so provided matches (in whole or in part) personal information contained in a credit information file in the possession or control of the credit reporting agency to assist in verifying your identity for the purposes of the Anti- Money Laundering and Counter-Terrorism Act 2006.

Credit reports contain information about entities and individuals credit history which helps credit providers assess credit applications, verify identities and manage accounts held with them. Credit reporting bodies collect and exchange this information with credit providers like Agrilending and other service providers.

The Privacy Act limits the information that credit providers can disclose to credit reporting bodies, as well as the ways in which credit providers can use credit reports.

What information can we exchange with credit reporting bodies?

The information we can exchange includes your identification details, what type of Facility you are applying for, how much you’ve borrowed, whether you’ve met your loan payments or defaulted on your obligations or if you have committed a serious credit infringement. We also ask the credit reporting body to give us an overall assessment of your creditworthiness.

We may use the following credit reporting bodies:

• Equifax Pty Ltd – www.equifax.com.au
• Illion Australia- www.illion.com.au
• Creditorwatch – www.creditorwatch.com.au

What do we do with credit-related information?

We use this information to confirm your identity, assess your creditworthiness and application for credit under our criteria, manage our relationship with you and collect overdue payments.

Credit reporting bodies with whom we exchange information may include the information in reports they provide to other credit providers to assist them to assess your creditworthiness. You can obtain a copy of the credit reporting body’s policy about the management of credit-related information by contacting them or from their website.

Other credit providers may ask credit reporting bodies to use your credit-related information to pre-screen you for direct marketing. You can ask a credit reporting body not to do this. Also, if you’ve been, or have reason to believe that you’re likely to become, a victim of fraud (including identity fraud), you can ask the credit reporting body not to use or disclose the credit-related information it holds about you.

Accessing, updating and correcting your information

You can ask for access to the Personal Information we hold about you. You can also ask for corrections to be made.

We may charge you for any reasonable costs incurred by us to access your Personal Information. There is no fee for correcting your Personal Information. If we disagree that your information should be corrected, we will tell you why in writing.

We can deny or limit access to your Personal Information if we cannot identify you, the information relates to commercially sensitive of privileged material, or if your request is vexatious. Whatever the outcome, we’ll write to you explaining our decision.

Complaints

If you are concerned about how your Personal Information is being handled or if you have a complaint about a breach by us of the Privacy Act or the APPs, you can contact our Privacy Officer:

Suite 8, level 15
175 Pitt St, Sydney NSW 2000
Phone: 02 63319044
Email: info@agrilending.com.au

If you are not satisfied with the way we handled your complaint, you may complain to the Office of the Australian Information Commissioner:

GPO Box 5218
Sydney NSW 2001
Phone: 1300 363 992
Email: enquiries@oaic.gov.au
www.oaic.gov.au