Terms & Conditions

PRIVACY ACT 1988 (as amended)

1. CLIFTON H. JOSEPH & SON (AUSTRALIA) PTY LTD (“the Company”) is bound by the 10 National Policy Principles as set out in the Privacy Act 1988 (as amended) (“the Act”) and further details can be found in our Privacy Policy statement which is available upon request.
The Company holds personal information for the following purposes:
(i) Credit Assessment both initial and ongoing,
(ii) Internal accounting and administration,
(iii) To protect you and us from fraud,
(iv) To help us identify products or services or promotions that might be beneficial to you and to inform you about them.

2. Pursuant to the provisions of the Act, the applicant is informed that identity particulars and personal and possibly sensitive information relating to the applicant may be disclosed by CLIFTON H. JOSEPH & SON (AUSTRALIA) PTY LTD (“the Company”) to a credit reporting business.

3. Pursuant to the Act the applicant agrees for the purpose of the Company assessing this application both initially and in an ongoing manner or if collecting overdue payments, to the Company obtaining and keeping from a credit reporting business a report containing personal information about the applicant or information about the applicant’s commercial activities or commercial and/or personal creditworthiness.

4. Pursuant to the Act the applicant agrees to the Company keeping and disclosing to or receive from any other credit provider any credit report or information relative to my creditworthiness, credit standing, credit history or credit capacity for any of the following purposes:
(i) to assess an application by me/us for credit;
(ii) to notify other credit providers of a default by me/us
(iii) to exchange information with other credit providers as to the status of my account where I am in default with another credit provider.
(iv) To assess my creditworthiness at any time.