Website Privacy Policy

nlc pty ltd ACN 052 442 645 ("nlc") respects the right of individuals to have the privacy of their personal information maintained. We recognise the importance of personal information privacy and comply with the requirements of the Privacy Act 1988 (Cth) with respect to the collection, storage and application of personal information.

1. Internet Service Provider

1.1 The nlc web-site and electronic mail is not managed by a third party Internet Service Provider (ISP).

2. E-mail Details

2.1 nlc will only record an individual's E-mail address if they send us a message. It will be used for the purposes for which the individual provides it, and may be added to an nlc marketing mailing list with the option for the recipient to opt out.

3. Security

3.1 Please note that, while nlc has implemented a number of security measures to secure information (such as personal and employement details, or other similar information) that you have provided to us via this site, the site is linked to the Internet which is inherently insecure. Accordingly, nlc cannot provide any definitive assurance regarding security of the information. So while nlc strives to protect such information, we cannot ensure or warrant the security of any information you transmit to us and you do so at your own risk. nlc will not be liable in any way in relation to any breach of security or unintended loss or disclosure of information due to the site being linked to the Internet.

3.2 Similarly, nlc accepts no responsibility for unauthorised use of passwords, user ID's or any other security mechanism provided to you, other than unauthorised use by nlc staff.

3.3 When personal information is collected by nlc, nlc will take all reasonable steps to protect that information from misuse, loss or unauthorised access.

3.4 The nlc site may contain links to other websites. nlc is not responsible for the privacy practices, policies or content of those sites.

4. Cookies

4.1 This website does not use persistent cookies. Sections of this website do use per-session cookies to make using this website an easy experience.

4.2 Per-session cookies are stored in memory and are only available during an active session. This means they only exist while you are using this website.

4.3 Per-session cookies collect information about you, including your habits when accessing the nlc Site and any information provided in customising the Site. However, per-session cookies do not permanently record data and are not stored on your computer's hard drive, nor do per-session cookies give the website access to anything else on your computer. Only the website which issued a per-session cookie may retrieve it. Per-session cookies are cached (stored in memory) and are deleted from your cache upon leaving this website.

4.4 You can prevent this collection of information by setting your browser to not accept cookies. This will not prevent you from accessing the site, however it may prevent you from utilising all features of the site.

5. Personal Information collected

5.1 You can access our home page and browse our website without disclosing your personal information.

5.2 nlc collects personal information that you provide directly to nlc as well as from publicly available sources and third parties such as those identified in section 6 below.

5.3 nlc only collects personal information that is necessary to carry out our primary business activities, including providing you with information about our financial products and services.

5.4 We have implemented security measures to protect the personal information we hold from unauthorised access. If you request information from us we will need to establish and verify your identity before we can disclose information to you.

5.5 If you request a Salary Packaging Report, (quotation) or if you complete an application for finance, you may be required to supply us with personal information as part of the request or application.

5.6 If at any time you provide the personal details of someone else to us (ie a spouse), you must ensure that the person has read and understood this privacy policy and separately consent to his or her personal information being used and disclosed to us by you for the purposes detailed in this policy.

5.7 Please read the information below to assist you to understand why we collected your personal information and how we will use it.

6. Use of Personal Information

6.1 We may collect, use and disclose your personal information to:

  (1) Provide you with products and services appropriate to your needs;

  (2) Respond to your queries;

  (3) Assess your application for finance, to provide you finance and related financial services;

  (4) Communicate with you in relation to your finance contract and related services;

  (5) Carry out day to day operational activities related to the management of your finance contract; and

  (6) Administer your finance contract and related services.

6.2 We will endeavour to only collect your personal information directly from you. However there are certain circumstances where we will be required to collect your information from, and disclose information to, third parties.

6.3 We may collect and disclose personal information about you from/to other parties including:

  (1) to and from your employer to confirm details of your employment including your salary, your position, your length of employment and that you are entitled to a lease under the company's policy, and to administer your lease;

  (2) to and from a credit reporting agency to obtain a credit reference on you in the course of assessing your application for finance; and

  (3) to and from insurers or underwriters to assess whether to insure risks, and to administer any insurance contract (including claims).

6.4 If you do not supply us with your personal information we may be unable to process your application for finance.

6.5 The types of organisations we may disclose your information to are:

  (1) Our principal credit underwriters in order to provide you with finance, including assessing your application;

  (2) Third parties contracted to provide fuel or maintenance services for your leased vehicle;

  (3) Vehicle dealers if we order a vehicle on your behalf; and

  (4) Organisations contracted to provide administrative services such as mail service providers

6.6 If we outsource administrative services involving your personal information, we will reasonably ensure that our third party service providers handle your personal information in accordance with this privacy policy.

7. Privacy Statement and Requests for Access

7.1 If we collect your personal information, you have the right to request access to your personal information.

7.2 If you believe that personal information we hold about you is incorrect, incomplete or inaccurate, then you may request an amendment of it. We will consider if the information requires amendment. If we do not agree that there are grounds for amendment, then we will add a note to the personal information stating that you disagree with it.

7.3 If you have any questions in relation to our information handling procedures, or you would like to request a copy of our Privacy Statement, or you wish to lodge a request for access or amendment to the personal information we hold, please contact the Privacy Officer at the following address:

Address

Privacy Officer
nlc
Level 3 102 Albert Road
South Melbourne Victoria 3205

Telephone 03 8699 7000
Facsimile 03 8699 7199
E-mail info@nlc.com.au

8. Privacy Complaint Form

8.1 This form is to assist you in making a complaint if nlc holds your personal information and you feel your privacy has been infringed by nlc.

Click here to go to forms.

9. Miscellaneous

9.1 This policy represents our policy at 18/1/09.

We may change this privacy policy from time to time. Any amendment will be made on a prospective basis, i.e. all information received or retained before the time of any amendment will remain subject to the privacy policy applicable before the amendment.

9.2 Although we intend to observe this privacy policy at all times, it is not legally binding on nlc in any way. From time to time we may regard it as necessary or desirable to act outside the policy. nlc may do so, subject only to any statutory rights you may have under the Privacy Act 1988 or other applicable legislation.