PRIVACY POLICY

1. ABOUT THIS POLICY

This Privacy Policy (Policy) describes how Metrics Business Finance Pty Ltd (ABN 44 603 289 658), MBF SME Lending Pty Ltd (ABN 93 658 177 989) and MBF Leasing Pty Ltd (ABN 14 654 845 182) and its related entities (“MBF”, “we”, “our” or “us”) collects, handles and protects the privacy of your personal information.

By using our websites, applications and services, or otherwise providing us with your information, you consent to us collecting, holding, using and disclosing your personal information as described in this Policy. If we are not able to collect, handle, use and disclose personal information about you as set out in this Policy, we may not be able to provide you with our services or with access to our websites or applications.

MBF is a non-bank financier and collects personal information in the course of providing consumer credit services.
We are committed to protecting your privacy and understand the importance of protecting your personal information. This Policy outlines the types of personal information that we usually collect about you, the purposes for which we collect it, to whom we disclose it, how we hold and keep it secure and your rights in relation to your personal information, including how to complain and how we deal with complaints.
We will handle your personal information in accordance with this Policy, legislation including the Privacy Act 1988 (Cth) (Privacy Act) and the Australian Privacy Principles (APPs).

In this Policy, personal information means any information or opinion about an identified individual or an individual who is reasonably identifiable, whether true or not. It does not include information that is de-identified (anonymous data). Sensitive information is a subset of personal information that is generally afforded a higher level of protection by privacy laws. It includes your health information as well as information about your racial or ethnic origin, political opinions, membership of political, professional or trade associations or trade unions, religious beliefs, sexual orientation or practices and criminal record.

This Policy does not apply to the personal information of our employees.

We may amend and update this Privacy Policy from time to time. Any changes will be published on our website at www.metricsbusinessfinance.com.au and effective at the time of publication.

2. TYPES OF PERSONAL INFORMATION WE COLLECT

MBF collects personal information from our customers (existing and potential) and their personnel and guarantors, business associates, about visitors to our website, as well as from contractors, job applicants and third parties with whom we deal, such as service providers and brokers. The types of personal information we collect depends on your dealings with us and includes:

• name, date of birth, address, email address and phone number;
• identification documents or verification information (electronic or otherwise), such as a passport and drivers’ licence;
• occupation;
• bank account details; and
• financial information (if expressly authorised) including:
  • credit reports from credit reporting bodies;
  • your credit application history with us and other credit providers, including the type and amount of credit you have applied for, the start and end date of that credit;
  • repayment history information, including whether you owe any payments to us or another credit provider that are overdue;
  • credit ratings, scores and evaluations about you and your credit worthiness;
  • Information about any judgment of an Australian court that has been made against you and relates to credit that was provided to, or applied for, by you, including whether you have been declared bankrupt or have been subject to insolvency;
  • whether we have accessed your credit information previously;
  • information about any payments owed by you as a borrower or guarantor in connection with consumer credit that remains overdue for more than sixty (60) days;
  • payment information about you including whether any overdue payments have been paid;
  • information recorded in the National Personal Insolvency Index relating to your bankruptcy, a debt agreement proposal given by you, a debt agreement made by you, a personal insolvency agreement executed by you, a direction given, or an order made, under the Bankruptcy Act that relates to your property or an authority signed under the Bankruptcy Act that relates to your property;
  • publicly available information about you that relates to your activities in Australia and your credit worthiness, and that is not court proceedings information about you.
• other information we collect when you visit or use our website.

In some cases, with your consent, we may also collect ‘sensitive information’, such as information about an individual’s membership of a professional association, criminal record or health information.

If you apply for a job or contract position with us, we may also collect the following types of information, including sensitive information, about you:

• employment history and qualifications;
• academic records;
• references;
• criminal history record;
• directorships; and
• eligibility to work in Australia.

3. DEALING WITH US ANONYMOUSLY OR USING A PSEUDONYM

Where possible and lawful, you may interact with us anonymously or using a pseudonym. For example, if you contact us directly with a general question we will not record your name unless we need it to adequately handle your question.

However, for many of our functions and activities we and our partners usually need your name, contact information and other details to enable us to provide our services or products to you.

4. WAYS WE COLLECT YOUR PERSONAL INFORMATION

We generally collect personal information from you directly or indirectly when you interact with us (e.g., via your interactions with our website, over the phone, via email, forms, questionnaires or in person). We may also receive personal information from a third party such as a broker or credit reporting bodies (CRBs) and publicly available sources (such as public registers).

If we are provided with personal information about you from a third party, we will take reasonable steps to ensure that you are or have been made aware of the matters set out in this Privacy Policy. You may also appoint us as your agent to obtain credit information about you from a credit reporting body or credit provider, to assist us in providing services to you.

If you apply for a job or contract position with us, we may also collect personal information about you from third parties and publicly available sources, including:

• government departments to verify your entitlement to work in Australia;
• the police to obtain your criminal history record;
• academic institutions and professional bodies;
• your current or previous employers; or
• your referees.

The CRBs that we deal with to obtain credit reports, and to whom we may disclose your personal information (not consumer credit information) include: