This is the Credit Reporting Policy of Skyline Car Finance (“Skyline”), a registered business name of Nissan Financial Services Australia Pty Ltd ABN 70 130 046 794 Australian Credit Licence Number 391464. We may change this policy by publishing an updated version on this website. We also have a privacy policy which is available at Skyline Car Finance Privacy Policy.
1. WHAT CREDIT INFORMATION ABOUT YOU DO WE COLLECT AND HOLD?
The kinds of credit information that we may collect and hold about you includes information (other than sensitive information) that may be provided to us from a credit reporting body (“CRB”), including:
If we get credit reporting information on you from a credit reporting body, or we get information from it that has any bearing on your credit worthiness and could be used in deciding your eligibility for consumer credit, we refer to this information as “credit eligibility information”. The types of credit eligibility information that we hold includes the credit information listed above. It may also include information such as credit scores and assessments which we generate from this information.
2. HOW WE COLLECT AND HOLD CREDIT INFORMATION AND CREDIT ELIGIBILITY INFORMATION ABOUT YOU?
We collect information from you by telephone, in person or in documentation such as an application for credit. We may also collect information when you make a request or enquiry of us.
We may also collect information about you from other people such as:
We will hold credit information and credit eligibility information in secure electronic and physical files.
We will take reasonable steps to protect and keep secure the credit-related information we hold.
If credit-related information held by us is lost or there is unauthorised access or disclosure, we will investigate. We will also notify the breach to the Information Commissioner and affected individuals if we are required to do this under the Privacy Act.
3. WHY DO WE COLLECT HOLD, USE AND DISCLOSE CREDIT INFORMATION AND CREDIT ELIGIBILITY INFORMATION ABOUT YOU?
We may collect, use, hold and disclose credit information and credit eligibility information when permitted by law:
4. WHO WILL WE DISCLOSE YOUR PERSONAL INFORMATION TO?
We may disclose personal information about you:
Your personal information may be given to our parent company in Japan, our related companies and our service providers that are located or hold data elsewhere in the world, including New Zealand, United Kingdom, Mexico, Thailand and United States of America. If it is disclosed to an overseas recipient, we will only do this if we have taken reasonable steps to ensure that overseas recipient will engage with the personal information in a way that is consistent with the Australian Privacy Principles and our instructions or where we reasonably believe they are subject to laws that protect your personal information in the same or substantially the same way as the Australian Privacy Principles
We will take reasonable steps to protect and keep secure the personal information we hold.
If personal information held by us is lost or there is unauthorised access or disclosure, we will investigate. We will also notify the breach to the Information Commissioner and affected individuals if we are required to do this under the Privacy Act.
5. DISCLOSING CREDIT INFORMATION TO A CREDIT REPORTING BODY
We may disclose credit information about you to a credit reporting body.
If you apply to us for consumer credit, we will conduct a credit check without obtaining your explicit consent. This involves requesting information from a credit reporting body, which will record the enquiry. We may use any information in a report obtained from a CRB to establish your creditworthiness – including calculating your credit score – and may disclose this to other credit providers. Please note that such enquiries can affect your credit score based on factors such as the number and timing of recent enquiries.
The credit reporting bodies that we are likely to disclose your credit information to are:
If we disclose your credit information to a credit reporting body:
Each credit reporting body has a policy about the management of credit-related personal information. You can get a copy by contacting the credit reporting body using its contact details above.
6. WHAT ARE YOUR RIGHTS UNDER THE PRIVACY ACT?
Your rights under the Privacy Act in relation to credit-related information include:
7. DO WE SEND YOUR CREDIT-RELATED INFORMATION OVERSEAS?
Your credit information or credit eligibility information may be given to our parent company in Japan. If it is disclosed to an overseas recipient, we will only do this if we have taken reasonable steps to ensure that overseas recipient will engage with the credit information in a way that is consistent with the Australian Privacy Principles or reasonably believe they are subject to laws that protect your personal information in the same or substantially the same way as the Australian Privacy Principles.
We will also take adequate measures to ensure that the information is handled by the overseas recipient in accordance with the Privacy Act and our instructions.
8. HOW CAN YOU ACCESS CREDIT ELIGIBILITY INFORMATION?
You may ask for access to credit eligibility information we hold about you by contacting the Privacy Officer at the address below. Where we hold information that you can access, we will try to give you choices about how you can access (e.g., emailing or mailing it to you). We may charge a fee to cover the cost of getting your information.
If you think credit eligibility information we hold about you is incorrect, incomplete or inaccurate, you can ask us to amend it. We will amend the information if we agree with you, or make a record of your comment.
9. DO YOU HAVE A COMPLAINT?
You can make a complaint, including Privacy related enquiries or complaints to our Disputes Resolution Department at:
Skyline Car Finance
Locked Bag 7000
MOUNT WAVERLEY VIC 3149
Phone: 1300 347 890
Email: scfdr@skylinecarfinance.com.au
We will respond and tell you we agree with your complaint. If we do not agree, we will give reasons. If we do agree, we will tell you what action we will take.
If you are still not happy, you can contact the Office of the Australian Information Commissioner:
If your complaint relates to your finance with us, you can also make a complaint to the Australian Financial Complaints Authority at https://www.afca.org.au/about-afca/contact-us/ or by calling 1800 931 678.
10. HOW CAN YOU GET COPIES OF THIS POLICY?
You can ask us to provide you with a copy of this policy, including a hard copy, by contacting us using the contact details above.