Skyline Car Finance

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PRIVACY

SKYLINE CAR FINANCE PRIVACY POLICY

This is the Privacy Policy for 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. This policy covers:

1. What personal information about you do we collect and hold?
2. How do we collect and hold your personal information?
3. What do we do with your personal information?
4. How do we use your personal information to assess your application?
5. Who will we disclose your personal information to?
6. How do we use your personal information for marketing?
7. How can you stop marketing communications?
8. How can you access your personal information?
9. Do you have a complaint?
10. Privacy and our website
11. How do we manage your credit-related information?

1. WHAT PERSONAL INFORMATION ABOUT YOU DO WE COLLECT AND HOLD?

We may collect and hold personal information about you. This includes:

  • your name, address, email, telephone number, date of birth and other information about you such as age, gender, employment details, relationship status, residency status, number of children and dependents;
  • sensitive information such as facial matches in the form of liveness detection for identify verification purposes, your nationality if you are not a permanent resident of Australia, and health information if you apply for hardship assistance based on your health;
  • credit related information when you apply for credit from us or we get a credit report about you from credit reporting bodies;
  • details about your vehicle purchase and servicing such as purchase date, purchase details, vehicle registration, name of selling dealer, service history and repair, warranty and recall details;
  • information you give us, such as when you contact our Customer Service Centre, login to our website, or call our roadside assistance;
  • from marketing campaigns, product surveys, and research, when you access and use our social media platforms and any publicly available information;
  • any other personal information we have to collect to identify you;
  • details in identity documents given to us, such as passport number, driver’s licence number, Medicare card number; and
  • payment details including bank account, credit card details and other payment information if you buy our products and services.

We will only collect sensitive information about you if you agree, unless the law lets us, or when the law says that we must collect it. Sensitive information includes information about your religious beliefs, ethnic origin, race and health.

If you give us personal information about another person, please tell them you have given it and tell them about this policy.

We keep records of privacy consents that we get from you.

We hold your personal information in secure electronic and physical files.

2. HOW DO WE COLLECT AND HOLD YOUR PERSONAL INFORMATION?

Usually we collect personal information about you from you and from Skyline dealers who received information from you.

We may collect personal information about you:

  • when you contact us by email, phone, in person, by SMS or other forms of communication, including our website or our social media platforms;
  • when you take part in promotions, competitions, customer surveys, and sponsorships;
  • when you fill in order forms for a vehicle, parts or accessories, or book your vehicle for servicing;
  • when you apply for credit;
  • when you contact us about any of our products and services; or
  • from related companies, dealers and our service providers (such as Roadside Assist).

We may also collect personal information about you from other people such as:

  • your accountant or employer, when required, as part of your credit assessment;
  • any personal referee provided by you;
  • any credit provider that gave credit to you, to assess your credit application;
  • any credit reporting body that gives us a credit report about you;
  • your insurer or broker;
  • our agents;
  • any government authorities;
  • marketing agencies and marketing lists; and
  • other people you refer to us or who refer us to you.

3. WHAT DO WE DO WITH YOUR PERSONAL INFORMATION?

We collect, hold, use and disclose your personal information for:

  • meeting our obligations to you (including warranty, recall, and roadside assistance) as the owner or driver of a vehicle;
  • answering your inquiries or comments;
  • customer service and product development;
  • our automated decision-making system to assess your application for a product or service;
  • to review your application for a product or service;
  • to provide you with consumer credit for personal purposes or commercial credit for business or investment purposes;
  • to provide a company of which you are a director with commercial credit for business or investment purposes;
  • to assess your application if you intend to act as guarantor for either consumer or commercial credit;
  • to manage the finance contract under which we provide credit;
  • to assess your hardship application;
  • deciding whether to offer you additional credit or to renew credit;
  • developing, administering and managing our services, businesses, and customer relationships;
  • promotions and marketing including direct marketing;
  • research to improve our websites, products or services, including planning and product development research;
  • any other customer support purposes;
  • dealing with complaints;
  • ensuring compliance with the following laws:
    • the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth), which requires us to collect personal information about you when verifying your identity;
    • the National Consumer Credit Protection Act 2009 (Cth), which requires us to make inquiries about you when assessing an application for credit by you; and
    • the Personal Property Securities Act 2009 (Cth), under which we may need to collect personal information about you to record a security interest on the Personal Property Securities Register;
  • to source any required insurances;
  • to assist with the purchase of your new vehicle and related finance and insurance;
  • to manage vehicle servicing;
  • any other purpose you agree to; and
  • our legal obligations, assisting government and enforcement bodies or regulators, or where otherwise required or authorised by law, or an order of a court or tribunal.

You do not have to provide us with your personal information if you do not wish to. However, we may not be able to provide you with some of our products and/or services without your personal information.

4. HOW DO WE USE YOUR PERSONAL INFORMATION TO ASSESS YOUR APPLICATION?

We use an automatic decision-making (“ADM”) system to assess your loan application and deliver our services. This system analyses personal information you provide, as well as data we obtain from other sources, to make decisions about your eligibility for our products and services.

The ADM system uses relevant personal information supplied to us, such as, but not limited to:

  • Identity verification data (e.g., name, address, date of birth);
  • Employment and income details;
  • Credit history and financial information;
  • Information obtained from credit reporting bodies or other authorized third parties;
  • Residency status.

The kinds of decisions made solely by our ADM system include:

  • Initial credit eligibility assessments;
  • Loan application approvals or rejections based on predefined criteria;
  • Fraud detection and risk scoring.

In some cases, the ADM system performs tasks that are substantially and directly related to the decision-making process, such as:

  • Evaluating risk profiles and the approval status of your loan against our internal policies;
  • Verifying the consistency and completeness of the information provided.

5. WHO WILL WE DISCLOSE YOUR PERSONAL INFORMATION TO?

We may disclose personal information about you:

  • to our related companies and to Nissan Foundation Australia Ltd;
  • to our agents or contractors. These include businesses we use such as mailing houses, insurers, printers, information technology service providers, lawyers, accountants, debt collection agencies, and other service providers;
  • to our dealers, but only if they use it for the same purposes as set out above and only in connection with our dealership franchise;
  • anyone else that you agree may get the information from us;
  • any disclosure which is required or authorised by law, including to AUSTRAC in respect of any suspicious or threshold transactions or activities; and
  • if you have applied for credit from us:
    • to a credit reporting body, to get a credit report about you and/or to allow the credit reporting body to maintain a credit information file containing information about you;
    • to a debt collection agency;
    • to identity verification vendors including credit reporting bodies who use your government identifiers (for example your driver’s licence number or passport number) to verify your identity for us;
    • your employer or former employer (for example, to conduct a reference check for finance applications);
    • with your consent, to other credit providers for the purpose of assessing your application for credit; or
    • with your consent, to guarantors or proposed guarantors if a credit arrangement is or will be guaranteed.

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 Japan, 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 1988 (Cth).

6. HOW DO WE USE YOUR PERSONAL INFORMATION FOR MARKETING?

We may contact you with marketing material about our other products or services, special offers, promotions and events that may be of interest to you. We can do this if you have agreed, or when you would reasonably expect that your information would be used or disclosed this way. We may send you marketing messages in various ways, including by mail, email, telephone, SMS, and digital marketing including advertising through any social media or third-party websites.

We may also share your personal information with our related companies, Nissan Foundation Australia Ltd, and our dealer network, so they can provide you directly with marketing material about their products and services.

7. HOW CAN YOU STOP MARKETING COMMUNICATIONS?

At any time, you may opt out of receiving marketing communications by contacting us at:

8. HOW CAN YOU ACCESS YOUR PERSONAL INFORMATION?

You may ask for access to personal 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 personal 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:

  • Phone: 1300 363 992 (local call cost, but calls from mobile and pay phones may incur higher charges). If calling from overseas (including Norfolk Island): +61 2 9284 9749
  • TTY: 1800 620 241 (this number is dedicated to the hearing impaired only, no voice calls.)
  • TIS: Translating and Interpreting Service: 131 450 (If you don’t speak English or English is your second language and you need assistance, ask for the Office of the Australian Information Commissioner).
  • Post: GPO Box 2999 Canberra ACT 260
  • Fax: +61 2 9284 9666
  • Email: enquiries@oaic.gov.au

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. PRIVACY AND OUR WEBSITE

You can visit our website without telling us who you are. The information that you give us on our website will depend on the services you use. In some parts of our website you might have to give us personal information like your name and email address. We will only ask for personal information if we need it to provide a service to you or to comply with the law.

We use cookies to collect information about your browsing history (including on external websites). This information does not identify you personally. We collect this information to improve your online experience. The cookies customise the advertising you see.

The internet is not completely secure. We can’t guarantee the security of personal information you provide online. We will not be liable for breaches of security or unintended loss or disclosure of that information. This does not exclude our liability in any way that is not allowed by law.

11. HOW DO WE MANAGE YOUR CREDIT-RELATED INFORMATION?

We have a credit reporting policy about how we manage credit-related personal information including the kinds of information we collect, how we collect and hold that information, what we use that information for, and who we may disclose the information to. Our credit reporting policy is available at Skyline Car Finance Credit Reporting Policy.