Privacy Policy

The privacy of your personal information is important to Express Fund. We are committed to respecting your privacy and adhere to all regulations around the protection of your personal information. Our privacy statement takes into account recent changes to the Privacy Act (February 2018), around data protection and reporting of data breaches. Our staff are fully trained and briefed on all privacy laws in accordance with the most up to date standards, policies and procedures including changes to the Privacy Act (February 2018) around data protection and reporting of data breaches.

Express Fund arranges and manages equipment finance. Express Fund draws on finance from a range of funders and some of these funders may include (but are not restricted to) the following:

• Bank of Melbourne — bankofmelbourne.com.au
• Bank of Queensland — boq.com.au
• Macquarie Bank — macquarie.com

We may collect, use, hold and disclose personal and credit information about you for the purposes of arranging or providing credit to you, managing that credit, direct marketing of products and services by us and managing our relationship with you.

Credit information includes the type and amount of credit provided to you, repayment history information, default information (including overdue payments) and court information. Personal information includes any information from which your identity is apparent.

You may gain access to the personal information that we hold about you by contacting us. A PDF copy of our Privacy Policy can be obtained by emailing us at equipment@collinshomeloans.com.au or on tel. 1800 265 546.

Consumer and commercial credit information

If you apply for credit facilities to support a rental contract, we may collect and hold various information related to your assets and financial position, including income details, expense details, asset values and taxation information. We may exchange your commercial and consumer credit information with credit reporting bodies such as Veda Advantage Information Services and Solutions Limited (Veda) to assess an application for consumer or commercial credit and manage that credit. In particular, we can obtain credit information about you providing both consumer and commercial credit information.

Exchange of information with credit providers

We may exchange your personal and credit information with other credit providers for the purposes of assessing your credit worthiness, credit standing, credit history or credit capacity.

Exchange of information with guarantors

We and the lenders mortgage insurers listed below may exchange your personal and credit information with any person who proposes to guarantee or has guaranteed repayment of any credit provided to you.

Exchange of information

We may exchange personal and credit information with the following types of entities, some of which may be located overseas.

• Finance brokers, referral partners, equipment lenders and persons who assist us to provide our products to you.
• Financial consultants, accountants, lawyers and advisers.
• Any industry body, tribunal, court or otherwise in connection with any complaint regarding the approval or management of your loan — for example if a complaint is lodged about us or the lender.
• Businesses assisting us with funding for loans.
• Trade insurers.
• Any person where we are required by law to do so.
• Any of our associates, related entities or contractors.
• Your referees, such as your employer, to verify information you have provided.
• Any person considering acquiring an interest in our business or assets.
• Any organisation providing online verification of your identity.

Customer identification

We may disclose personal information about you to an organisation providing verification of your identity, including online verification of your identity.

We will take all reasonable steps to ensure that all personal information we collect, use or disclose is stored in a secure environment and only accessed by authorised persons.

We may also exchange your personal and credit information with the following credit reporting bodies:

• Veda Advantage Ltd — veda.com.au
• Dun & Bradstreet (Australia) Pty Ltd — dnb.com.au
• Experian — experian.com.au

Your privacy on the Internet

We take care to ensure that the personal information you give us on our website and via email or other avenues is protected. For example, our website has secure access systems in place and makes use of firewalls and data encryption.

For more information about our Privacy Policy please contact us on tel. 1800 265 546. For more information about privacy in general, you can visit the Federal Privacy Commissioner's website oaic.gov.au.