This website policy applies to this website, which is operated on behalf of Online Loans Pty Ltd ABN 62 102 154 781 (Trading as Cash Train) and its related entities.
We are committed to protecting your privacy. We will only use the information that we collect about you lawfully.
This policy explains how your personal information will be treated as you access and interact with this website.
Our website privacy policy may change from time to time.
We may collect personal information from you directly or via your use of our services. The types of personal information we may collect and hold include your name, date of birth, address, account details, occupation, and any other information we may need to identify you. We will only collect personal information, which is reasonably necessary for, or directly related to, our functions or activities
We may disclose your personal information to a 3rd party for bank statement retrieval and analysis services (including for the purposes of assessing your creditworthiness or verifying your financial position
If we collect government identifiers, such as your drivers licence number, we do not use or disclose this information other than required by law
Sensitive information is any informationor an opinion about an individual’s racial or ethnic origin, political opinion, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences or practices, criminal record, that is personal information, or health information, biometric information, biometric templates or genetic information.
We will not ask you to disclose sensitive information, but if you elect to provide sensitive information it will also be captured and stored.
Our website also contains links to the websites of third party providers of goods and services (https://www.facebook.com/, https://twitter.com/, http://www.linkedin.com/). If you have accessed Third Party websites through our website and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties
Where you access a Third Party website from our website, cookie information, information about your preferences or other information you have provided about yourself may be shared between us and the third party.
When you view our advertisements on a Third Party website, the advertising company uses 'cookies' and in some cases 'web beacons' to collect information such as:
When you access our website after viewing one of our advertisements on a Third Party website, the advertising company collects information on how you utilise our website (e.g. which pages you view) and whether you complete an online application
We use ‘cookies’ to provide you with better and more customised service and with a more effective website.
A ‘cookie’ is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your internet browser
We use cookies for different purposes such as:
Your IP address is the identifier for your computer when you are using the internet.
It may be necessary for us to collect your IP address for your interaction with various parts of our website.
When you send a completed online application to us, we retain the information contained in that application. We are able to then use that information to provide any financial services that you require.
You can also suspend and save online applications, so you can complete and send the applications at a later time. If you suspend or save your application, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application. Online applications that have been suspended or saved may be viewed by us.
The security of your information is very important to us.
We regularly review developments in security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as totally secure.
We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorised access, modification or disclosure.
If we no longer require your information, and we are legally permitted to, we will take all reasonable steps to destroy or de-identify the information.
We take reasonable steps to preserve the security of cookie and personal information in accordance with this policy. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted).
We will provide you with access to the personal information we hold about you. You may request access to any of the personal information we hold about you at any time. We may charge a fee for our costs of retrieving and supplying the information to you.
Depending on the type of request that you make we may respond to your request immediately, otherwise we usually respond to you within seven days of receiving your request. We may need to contact other entities to properly investigate your request.
There may be situations where we are not required to provide you with access to your personal information, for example, if the information relates to existing or anticipated legal proceedings, or if your request is vexatious.
An explanation will be provided to you if we deny you access to the personal information we hold about you.
If any of the personal information we hold about you is incorrect, inaccurate or out of date you may request that we correct the information.If appropriate we will correct the personal information at the time of the request otherwise, we will provide an initial response to you within seven days of receiving your request.Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the personal information within 30 days.
We may need to consult with other finance providers or credit reporting bodies or entities as part of our investigation.
If we refuse to correct personal information we will provide you with our reasons for not correcting the information.
We will not use or disclose sensitive information about you for direct marketing purposes unless you have consented to that kind of use or disclosure.
We may use your personal information for direct marketing purposes. If you do not wish to receive direct marketing communications from us or from other organisations, or wish to know the source of the information being used, you may submit a request to https://www.cashtrain.com.au/contact-us We will respond to your request as soon as practicable.
We may disclose personal information to overseas entities in the course of our activities including Philippines and Fiji. If it becomes necessary to disclose your personal information to an overseas recipient, we will take reasonable steps to ensure the overseas recipient does not breach the Australian Privacy Principles in relation to that information, or we will obtain your consent to the disclosure.
Please contact us on 08 9420 1401 if you would like further information.
If you are dissatisfied with how we have dealt with your personal information, or you have a complaint about our compliance with the Privacy Act, you may contact our complaints officer on 08 9420 1401 or by submitting the complaint via email to complaints@commitco.com.au
We will acknowledge your complaint within 1 business day. We will provide you with a decision on your complaint within 30 days.
If we do not reach agreement on your complaint, you may refer the complaint to our external dispute resolution provider:
AFCA are a member of the ASIC Approved External Dispute Resolution (EDR) Scheme. External dispute resolution is a free service established to provide you with an independent mechanism to resolve specific complaints.
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