Privacy Policy Update for Yes Finance Group Pty Ltd:

Who We Are:

References to ‘We,’ ‘Us,’ and ‘Our’ refer to Yes Finance Group Ltd ABN 50 140 630 548 (AFG), Australia Credit License 389087, including our authorised representative businesses.

Privacy Commitments:

Recognising the importance of safeguarding your personal information, this document articulates our commitment to privacy policies governing the information we hold about you and its utilisation. Rest assured, any personal information collected will be handled in compliance with the Australian Privacy Principles, the Privacy Act 1988, the Privacy (Credit Reporting) Code 2014, and other applicable laws.

Personal Information:

Personal information comprises details through which your identity is reasonably apparent, encompassing your name, date of birth, address, email, phone number, account details, occupation, transaction history, and other necessary identifiers. When applying for finance, additional information such as dependent details, employment history, and financial information may also be collected.

Data Collection:

When you visit our websites or use our mobile apps, we gather location information, IP address, mobile device details, network information, and details about third-party sites accessed. For more information, please refer to our Cookies link on www.yesfinancegroup.com.au

Credit-Related Information:

Credit-related information encompasses personal details impacting credit transactions, including identity, credit terms, repayment history, defaults, and credit eligibility information. This information is used to assess eligibility for finance and may be shared with credit reporting bodies.

Why We Collect Your Information:

Information is collected to conduct business activities, assess finance applications, manage finance, establish identity, communicate with you, manage risk, and comply with legal obligations. Additionally, we may collect information for direct marketing and to enhance customer relationships.

How Information is Collected:

We endeavor to collect information directly from you whenever reasonable and practical. Information may also be obtained from public sources, third parties, credit reporting bodies, and other relevant entities.

Disclosure of Your Information:

Personal information may be disclosed to various entities, including funders, guarantors, credit providers, service providers, marketing partners, and other organisations. Prior to disclosure, we ensure the recipient is committed to protecting your information.

Credit-Related Information Exchange:

Credit-related information may be shared with credit reporting bodies, both within Australia and overseas. Equifax Pty Ltd, Experian Australia Credit Services Pty Ltd, and Illion Australia Pty Ltd serve as credit reporting bodies.

Notifiable Matters:

Certain matters related to the use of credit-related information are required to be communicated to you. You have the right to request these matters and our privacy policy in an alternative form.

Direct Marketing:

Periodically, we may use your information for direct marketing purposes. You have the option to decline receiving such information by contacting us.

Updating Your Information:

Ensuring the accuracy of your information is essential. We may request you to inform us of any changes during our relationship.

Access and Correction:

You have the right to access your personal and credit-related information. We may charge a fee for retrieval. Requests are usually addressed within seven days, with details about corrections provided within 30 days.

Government Identifiers:

Government identifiers are used only as required by law, and we will not use them for identification purposes.

Business Without Identifying You:

In certain situations, where lawful and practicable, we may allow business transactions without the provision of personal information.

Sensitive Information:

Collection of sensitive information requires your consent, and we handle it with utmost confidentiality.

Security Measures:

We implement reasonable steps to protect personal information from misuse, loss, unauthorised access, modification, or disclosure.

Complaints:

If dissatisfied, you may contact our complaints officer. Further escalation can be done through the Australian Financial Complaints Authority (AFCA) or the OAIC.

Further Information:

For additional information on managing your information, contact us at hello@yesfinancegroup.com.au.

Privacy Policy Changes:

This policy may be updated periodically.