Forefront Finance is an Authorised Credit Representative of Dealer Business Solutions Pty Ltd and aims to provide its customers with the best possible products and service. To achieve this, we aim to make efficient use of the personal information we collect from our customers.
We also want our customers to have confidence that in handling personal information, we afford that information an appropriate level of privacy, consistent with the National Privacy Principles, and the Australian Privacy Principles.
Who are we?
Forefront Finance ABN 63 667 521 481 is an Authorised Corporate Credit representative # 508403
Dealer Business Solutions ACN: 143 969 331 (DBS) is an credit licenced broker ACL: 484208 “US & WE”
What is Personal Information?
Personal Information is any information about an individual that identifies them or by which their identity can reasonably be ascertained.
Why personal information is collected by Us?
We collect the personal information it needs to provide the products and services it offers. Those products and services include various types, insurance products and other financial services within Australia.
We also collect personal information about its customers, so that it can complete business transactions, purchase products and services, administer accounts, provide customer support, respond to customer inquiries and requests for product information and meet regulatory requirements.
If we are unable to collect personal information from or about an individual, it may not be able to do business with that individual or the organisation with which the individual is connected.
How do we collect personal information?
Where possible, we will collect personal information directly from the individual it relates to. This may take place in a number of ways, such as when an application for a product or service is completed or a product or service is requested over the telephone or internet.
We will also collect personal information during the course of our relationship with customers, for example where loan arrangements with us are varied, or new information is supplied and verified.
Sometimes, personal information may be collected from a source other than the individual to which it relates. Some examples are:
- where we obtain a credit report about an individual from a credit reporting agency in the course of assessing a loan application;
- from an accountant where we approach the accountant in assessing a loan application;
- where an individual is an officer of a company that has applied for finance with us, we may obtain information about the officer from public records or from other officers of the company who arrange the company’s finance application;
Do we disclose personal information to anyone else?
In providing our customers with their chosen product or service, we may sometimes need to disclose personal information to others.
Examples of the types of organisations we may need to disclose information to in the course of providing a product or service are:
parties outside of us where that party is contracted to us to provide a particular service on our behalf and is bound by the same privacy rules we follow.
Some examples of the kinds of organisations contracted by us are:
- mailing houses for bulk mailing of letters and notices;
- Credit reporting agencies, we utilise Veda Advantage.
- printers for direct marketing material
- debt collection agencies; and
- Financiers: Affordable car loans, ANZ, Lattitude, Liberty , St George Bank, Macquarie, Yamaha, APF, Finance 1,Money3, Morris, AFS, Alphera, VW finance, Pepper, Axsess Today, Capital, Greenlight Auto, WISR, Now Finance, Thorn Finance, International Acceptance, RACV, Moula and Prospa
- Insurers: Suncorp, CIL, Select Insurance.
Those contracted parties are not authorised by us to use personal information for anything other than the purpose for which we supply that information to them.
Sometimes, the law requires us to disclose personal information. For example, information may be disclosed to a court in response to a subpoena or to a Government agency such as the Australian Taxation Office on receipt of a direction issued under taxation laws.
We may also disclose an individual’s personal information where the individual consents to us doing so. That consent may be written, verbal or implied from the individual’s conduct.
We will not disclose personal information to overseas recipients.
From time to time, we may use personal information to inform our customers about our products and services including special offers. We may also send our customers material relating to joint promotions with dealers and other business associates of our respective products and services.
If an individual does not wish to receive this information, they just need to let us know by contacting the customer service line on 07 3193 9447.
Once an individual lets us know that they no longer wish to receive this information, we will stop sending it. The individual can change their mind about receiving information about our products and services at any time. They just need to let us know by phoning the above number.
If the law requires us to provide our customers with information about our products or services, we will provide that information even if an individual has elected not to receive information about our products and services generally.
Ensuring personal information is up-to-date
We rely on the personal information we hold in conducting our business. Therefore, it is very important that the information we hold is accurate, complete and up-to-date.
We take reasonable steps to ensure that the personal information we hold is accurate complete and up-to-date whenever we collect or use it. This means that from time to time, we will ask individuals to tell us if there are any changes to their personal information. If an individual finds that information we hold about them is incorrect, they should contact us immediately and we will correct it.
Security of personal information
The security of information is important and we take all reasonable precautions to protect personal information from misuse, loss, unauthorised access, modification or disclosure.
Some of the ways we protect personal information include:
- external and internal premises security;
- restricted access to personal information to staff who need it to perform their day to day functions;
- maintaining technology products to prevent unauthorised computer access including identifiers and passwords; and
- maintaining physical security over paper records.
- Access to and correction of personal information by individuals
- An individual can access most of the personal information DBS holds about them.
If an individual request us to correct personal information we hold in relation to the individual, we will take reasonable steps to correct the personal information to ensure that, having regard to the purpose for which it is held, the information is accurate, up to date, complete, relevant and not misleading.
Information can be accessed, and a request to correct the personal information made, by contacting customer service on 07 31939447.
Depending on the amount of information requested to be accessed, we may charge an access fee to cover the cost of retrieving the information and supplying it to the person who has requested access.
Access to personal information may be refused in a number of circumstances, such as where the information relates to anticipated legal proceedings or the request for access is frivolous or vexatious. If we deny or restrict an individual’s access, we will explain why.
The type of personal information we collect on our website depends on how an individual makes use of the site.
An individual who visits the site will not be required to provide us with any personal information unless that individual requests information about our product or service. In that case, we will ask the individual to provide contact details along with other information required to respond to the individual’s request. The information provided may also be retained for product planning purposes, and unless the relevant individual asks us not to do so, for marketing purposes.
Although we take steps to protect information sent by e-mail, e-mail is not a secure method of communication and individuals who are concerned about sending their personal information to us in this manner may prefer to call the Customer Service team on 07 31939447.
If an individual believes that the privacy of their personal information has been compromised, they are entitled to complain. Complaints can be made by the individual contacting the person or department they were dealing with or by calling Customer Service on 07 31939447 and asking for the Dispute Resolution Officer. We will respond to complaints as soon as possible.
If you disagree with our decision, you may refer your complaint to the Office of the Australian Information Commissioner by visiting www.oaic.gov.au, calling 1300 363 992 or by emailing [email protected].
Individuals who would like more information about DBS approach to privacy are encouraged to contact Customer Service on 07 31939447.