Privacy Policy

This Privacy Policy applies to personal and credit-related information collected by SPTC Group Pty Ltd ACN 697 503 978 (SPTC Group, we, us, our).

SPTC Group operates a commercial vehicle finance referral platform. We collect information to assess and refer applications for commercial rent-to-own and asset finance products to third-party lenders.

SPTC Group:

• Is not a credit provider;
• Does not provide consumer credit;
• Acts solely as a referrer and application facilitator to commercial finance providers.

All products available through our platform are:

• Available only to holders of a valid Australian Business Number (ABN); and
• Intended wholly or predominantly for business or commercial purposes.

We are bound by the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

A copy of the APPs is available at: https://www.oaic.gov.au/privacy/australian-privacy-principles/read-the-australian-privacy-principles

We may update this Policy from time to time. The current version will be published on our website.

For the purposes of this Policy, Representatives means our directors, officers, employees, contractors, agents, introducers, aggregators, service providers and related entities.

"Personal Information" has the meaning given in the Privacy Act.

We collect personal information reasonably necessary to:

• Assess eligibility for commercial finance referral
• Verify identity and ABN status
• Refer your application to one or more commercial lenders
• Manage our relationship with you

Information collected may include:

If you do not provide requested information, we may not be able to refer your application.

We generally do not collect sensitive information (such as race, political beliefs, religious beliefs, criminal history or medical information) unless required by law or with your consent.

Although SPTC Group is not a credit provider, we may collect credit-related information for the purpose of referring your application to commercial lenders.

This may include:

• Details of existing credit facilities
• Repayment history information
• Information relating to defaults or insolvency
• Credit scores (where provided to us)
• Information obtained from publicly available sources
• Information disclosed to us by you or by lenders

Where your application is submitted to a lender, that lender may obtain a credit report from a credit reporting body to assess your creditworthiness.

Credit reporting bodies may include organisations such as Equifax Pty Ltd.

SPTC Group does not itself conduct credit reporting body checks unless required for identity verification or compliance purposes.

The lender's privacy policy will apply to how your credit-related information is managed once referred.

SPTC Group only facilitates applications for commercial purposes.

By applying through our platform, you confirm that:

• You hold a valid ABN.
• The finance is wholly or predominantly for business or commercial purposes.
• The vehicle will be used in connection with business activities.
• You are not applying for personal, domestic or household purposes.

We may decline to process applications that do not meet these criteria.

We collect information:

• Directly from you via online forms, email, SMS, telephone or in person
• From nominated third parties such as brokers, introducers or referrers
• From publicly available or commercial databases for identity and compliance purposes
• From lenders listed in the Schedule of Credit and Insurance Providers (Schedule), where required to facilitate your application

When you use our website, we may collect information such as:

• IP address
• Device information
• Pages viewed
• Application form interaction
• Date and time of visits

Some of this information may be collected using cookies.

We use your information to:

• Verify identity and ABN
• Assess suitability for referral
• Match your application with one or more lenders
• Submit your information to selected lenders
• Communicate with you regarding your application
• Detect and prevent fraud
• Comply with legal and regulatory obligations
• Improve our platform and services

We may refer your application to one or multiple lenders listed in the Schedule to seek a suitable commercial outcome.

You acknowledge and consent that SPTC Group and its Representatives may contact you and any relevant third parties (including lenders, employers, referees, agents and service providers) in connection with your application and for the purposes outlined in this Policy.

We may disclose your information to:

• Commercial rent-to-own and asset finance lenders listed in the Schedule
• Funding partners
• Credit reporting bodies (via the lender)
• Identity verification providers
• Technology service providers
• Professional advisers
• Regulators or government authorities where required

We may disclose your information to such parties directly or through our Representatives.

We disclose only information reasonably necessary to facilitate your application or comply with law.

Once referred, the lender becomes responsible for handling your information in accordance with their own privacy policy.

Some service providers used for cloud storage, verification or compliance may be located outside Australia.

Where personal information is disclosed overseas, we take reasonable steps to ensure handling consistent with the Australian Privacy Principles.

We store information electronically using secure systems located in Australia or through secure service providers.

We use reasonable administrative, physical and technical safeguards including:

• Access control systems
• Staff confidentiality obligations
• Secure hosting environments
• Internal information security policies

No internet transmission can be guaranteed to be completely secure.

SPTC Group and it's Representatives may receive commission, referral fees or other remuneration from lenders where your application proceeds to settlement.

This remuneration:

• Is paid by the lender;
• Does not increase the amount payable by you;
• Compensates SPTC Group for referral, platform and administrative services.

Different lenders may pay different amounts of remuneration.

By submitting an application, you consent to:

• Communication via phone, SMS and email
• Electronic delivery of documents
• Digital execution of agreements where applicable

You acknowledge that such communications may be made by SPTC Group or its Representatives.

You agree to maintain accurate contact details.

You may request access to personal or credit-related information we hold about you and request corrections if inaccurate.

Contact: admin@studentcars.com.au

We may require identity verification before responding.

If we become aware of a notifiable data breach under the Privacy Act, we will comply with our obligations under the Notifiable Data Breaches Scheme.

Further information: https://www.oaic.gov.au/privacy-law/privacy-act/notifiable-data-breaches-scheme