Origin Speech - Privacy

Important Notice To Applicant(s) For Credit (Section 18(E)(1) Privacy Act 1988) Notice of disclosure of your credit information to a credit-reporting agency. (Privacy Act 1988)

Origin Speech may give information about you to a credit reporting agency, for the following purposes:

To obtain a consumer credit report about you, and/or
To allow the credit reporting agency to create or maintain a credit information file containing information about you.
The information is limited to:
- Identity particulars - your name, sex, address (and the previous two addresses) date of birth,
  name of employer, and drivers licence number.
- Your application for credit or commercial credit - the fact that you have applied for credit and the amount.
- The fact that Origin Speech is a current credit provider to you.
- Loan repayments which are overdue by more than 60 days, and for which debt collection action has started.
- Advice that your loan repayments are no longer overdue in respect of any default that has been listed.
- Information that, in the opinion of [name of credit provider] you have committed a serious credit infringement
  (that is, fraudulently or shown an intention not to comply with your credit obligations).
- Dishonoured cheques - cheques drawn by you for $100 or more which have been dishonoured more than once.
- That credit provided to you by [name of credit provider] has been paid or otherwise discharged.
- Period to which this understanding applies
- This information may be given before, during or after the provision of credit to you.

STATEMENT BY APPLICANT(S) FOR CREDIT

Please read carefully before signing. Where there is more than one applicant, each applicant must sign.

Giving information to a Credit Reporting Agency (Section 18E(8)(c) Privacy Act 1988) Origin Speech has informed me that it may give certain personal information about me to a credit-reporting agency.
Access to Commercial Credit Information (Section 18L(4) Privacy Act 1988)
I/we agree that Origin Speech may obtain information about me/us from a business, which provides information about the commercial credit worthiness of persons for the purpose of assessing my/our application for consumer credit.
Access to Consumer Credit Information (Section 18K(1)(b), Privacy Act 1988)
I/we agree that Origin Speech may obtain a consumer credit report containing information about me from a credit-reporting agency for the purpose of assessing my/our application for commercial credit.
Exchange of Credit Worthiness Information (Section 18N, Privacy Act 1988)
I/we agree that Origin Speech may exchange information with those credit providers named in this application or named in a consumer credit report issued by a credit reporting agency for the following purposes:
- To assess an application by me/us for credit
- To notify other credit providers of a default by me/us
- To exchange information with other credit providers as to the status of this loan where I am in default with other
- Credit providers
- To assess my/our credit worthiness.
I/we understand that the information exchanged can include anything about my/our credit worthiness, credit standing, credit history or credit capacity that credit providers are allowed to exchange under the Privacy Act.
Agreement to a credit provider being given a consumer credit report by a credit reporting agency to assess a guarantor (Section 18K 1(c) Privacy Act 1988)
I/we agree the Origin Speech may obtain from a credit-reporting agency a consumer credit report containing information about me/us for the purpose of assessing whether to accept me/us as a guarantor for credit applie for by, or provided to, the borrower(s) Origin Speech. I/we agree that this agreement commences from the date of this agreement and continues until the credit covered by the borrower(s) application ceases.
Agreement to a credit provider disclosing a report including a consumer credit report to potential or existing guarantor (Section 18K (1) Privacy Act 1988)
I/we agree that [name of credit provider] may give to a person who is currently a guarantor, or whom I/we indicated isconsidering becoming a guarantor, a credit report containing information about me/us for the purpose of deciding whether to act as a guarantor, or to keep informed about the guarantee.I/we understand that the information disclosed can include anything about my/our credit worthiness, credit standing, credit history or credit capacity that credit providers are allowed to disclose under the Privacy Act, and includes a credit report.