Quantum Savvy Pty Ltd (ABN: 12 134 138 686 and Australian Credit Licence: 414426) T/As BCCL collects personal information about you for the purposes you agree to in this Privacy Disclosure and Consent . Any personal information obtained from you is used only for the purposes listed in this Consent and is not disclosed to any other person except with your consent or as permitted, or required, by law.

If you do not provide the information sought we may be unable to process the application by the client borrower for credit or the application by the prospective guarantor to be a guarantor, or we may be limited in the services we can provide you.

You have a right to access the personal information we hold about you by contacting the BCCL Privacy Officer, at Level 1, 145 The Parade, Norwood, SA 5067. Our privacy policy is available at any of our offices and on our website at www.badcreditcarloans.com.au

By requesting a car loan quotation from us, you, as our client, acknowledge and authorise:

BCCL will obtain from, and disclose to, any third party any information about you, that is reasonably necessary to advise you, or to assess, arrange, provide or administer your credit application.

BCCL will provide your personal information to a lender BCCL approaches so the lender can assess your credit application.

A lender approached by BCCL may do any, or all, of the following to assess your credit application:

Notify a credit reporting agency you have applied for credit with them, the amount of the credit required and that they are your current credit provider.
Provide your identification details to a credit reporting agency.

Exchange credit information about you with a credit reporting agency and any credit provider named in any credit report from that agency, or any credit provider named in your application.
Obtain information about your commercial activities or commercial credit worthiness, where relevant, from a credit reporting agency.
Disclose information about your proposed loan and your credit information to a guarantor or prospective guarantor.

BCCL, as your agent may do any, or all, of the following on your behalf to access and disclose your credit information:

Provide your identification details to a credit reporting agency.

Obtain your credit report from a credit reporting agency.
Disclose information from the credit report and any relevant credit information to a lender BCCL has approached.

Disclose information about the proposed loan and your credit information to the guarantor, or prospective guarantor.

BCCL may use your personal information to make future offers to you. If you do not wish to receive this service, you may contact BCCL in writing c/o The Privacy Officer, Level 1, 145 The Parade, Norwood, SA 5067 to request its cancellation.

BCCL may disclose personal information, including credit information, about you to organisations that provide services to it, such as contractors, agents, computer systems consultants or providers document custodians and advisors so they can perform those services.

Log Files:

Like many other Web sites, BCCL makes use of log files. The information inside the log files includes internet protocol ( IP ) addresses, type of browser, Internet Service Provider ( ISP ), date/time stamp, referring/exit pages, and number of clicks to analyse trends, administer the site, track users? movement around the site, and gather demographic information. IP addresses, and other such information are not linked to any information that is personally identifiable.

Cookies and Web Beacons:

BCCL does use cookies to store information about visitors preferences, record user-specific information on which pages the user access or visit, customize Web page content based on visitors browser type or other information that the visitor sends via their browser. We won’t share personal data with any 3rd party to market their product or service to you unless we have your permission.

Using personal data:

For every website visitor, we gather the subsequent non-personal identifying data, this includes however, not restricted to internet browser type, version and ‘language’, operating platform, web pages visited, visiting times and referring websites. The gathered data is used strictly in-house with the intention of evaluating website traffic, trends and providing customised content to you when you are visiting this site. Every once in a while, we might make use of site visitor or customer data for new, unforeseen purposes not formerly disclosed in our privacy policy. In the event that our data procedures modify at some point, data will be used for these new functions exclusively, data gathered from the moment of the policy modification will comply with our updated techniques.

Privacy Policy Changes:

BCCL reserves the legal right to make changes to the Privacy Policy anytime. For those who have concerns with our Privacy Policy, you shouldn’t enter or make use of the Website.

Obtaining Personal Data:

You do have a right to obtain your individual information, while subject to exclusions permitted lawfully. If you’d like access, you should contact us. You might be needed to put this in writing for safety motives. BCCL reserves the legal right to impose a fee for researching, and supplying entry to, your details for each request.

Loan Calculators Used on BCCL:

A ‘Loan Calculator’ is identified as a calculator made available, free of charge on our freely available BCCL site. Our loan calculators demand the bare minimum of a consumers information to calculate an estimation. BCCL doesn’t obtain nor retain your data entered into our loan calculators.

Viruses:

BCCL employs reasonable initiatives to test for well-known viruses, trojans and malware on our site, we make absolutely no warranties that content found on this website is free of viruses, trojans or malware and will have zero legal responsibility for any viruses, trojans or malware transmitted to any electronic device due to accessing this website.

Contests Competitions and Promotions:

The BCCL Website may have contests or promotions from BCCL or 3rd parties. The t’s and c’s for all those contests and deals will likely be within the relevant part of the website. Entering or taking part in competitions or promotions you consent to be bound by the applicable terms and conditions.

Contacting Us:

BCCL welcomes your comments regarding this Privacy Policy. If you have any questions about this Privacy Policy and would like further information, please contact us by any of the following means during business hours Monday to Friday.

Newsletter Circulation:

BCCL upon receiving your contact details may distribute to you its monthly newsletter & any other regular marketing material it produces which may be of some benefit to you.

Remarketing:

BCCL uses Remarketing with Google Analytics to advertise online. Third-party vendors, including Google, show your ads on sites across the Internet. BCCL and third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie) together to inform, optimize, and serve ads based on someone’s past visits to our website.

Bad Credit Car Loans
Level 1, 145 The Parade, Norwood SA 5067
Phone: 1300 974 066