Who are Breezy Loans Pty Ltd?

Breezy Loans Pty Ltd are credit brokers that offer a loan referral service to connect you with the most suitable payday or personal loan to suit your circumstances. We operate our 100% online business from Brisbane, Queensland.

Breezy Loans Pty Ltd are a registered Australian company under ABN: 29 627 702 943

We are licensed under Credit Representative Number: 514 197

More information about Breezy Loans Pty Ltd, and the services we offer can be found on our home page or you can join our social media community.

Follow us on Facebook and we will keep you up to date on our latest news and any important industry changes.

Your Consent For Identity Check

By accepting these terms and conditions you give consent for Breezy Loans Pty Ltd and Installment Loans to disclose your name, residential address and date of birth to a credit reporting agency and ask the credit reporting agency to provide an assessment of whether the personal information so provided matches (in whole or in part) personal information contained in a credit information file in the possession or control of the credit reporting agency to assist in verifying your identity for the purposes of the Anti-Money Laundering and Counter-Terrorism Act 2006. The credit reporting agency may prepare and provide Breezy Loans Pty Ltd with such an assessment and may use your personal information including the names, residential addresses and dates of birth contained in credit information files of you and other individuals for the purposes of preparing such an assessment. If you disagree with having your identity verified by a credit reporting agency, please select another data source or contact Breezy Loans Pty Ltd so that we can discuss other options with you.

How is Breezy Loans Pty Ltd committed to protecting my privacy?

Breezy Loans Pty ltd place extreme importance on protecting your personal information. Our strict standards have been put in place to keep your information secure. Our policies and procedures comply with Australia's privacy principles governing the protection of personal information, set out under the in the Privacy Act 1998 (Cth) (as amended) (Privacy Act) and any other relevant law.

Personal information collected by us will only be used for the purpose in which it was collected, or as allowed under law. We want you to feel confident in our ability to protect your personal information.

Definition of Personal Information
Personal Information refers to information that identifies you (or could identify you).

The Privacy Act defines personal information as an opinion or information about an individual who is reasonably identifiable or an identified individual whether the information is true or false and whether the opinion or information is recorded in a material form or not.

The types of personal information we collect is anything we see important, including but not limited to your name, addresses (physical, postal, email), date of birth, credit information.

The reason(s) we store and collect your personal information are for:

• Finance application assessment.
  
• Effective management of the finance provided to you.
• Relationship management and direct marketing (so we can offer you relevant products and services)
• Protection from fraud risks involved with finance, banking and insurance services and products.
• Transactional and identification information maybe held and collected by us to ensure compliance with the Anti-Money Laundering and Counter-Terrorism Financing Act 2008 (Cth).

In some cases, your personal information will be collected from third parties such as:

• Credit reporting agencies
• Nominated representatives (a legal or financial advisor)
• Employers; or
• Publicly available information sources.

Personal information is collected from you (when it is practical and reasonable) or may also be collected from other people including finance brokers, lawyers and accountants.

We may disclose your personal information to:

• Organisations involved in the management and administration of your finance e.g. printers, postal services, call centres and third-party suppliers.
• Associated businesses that may want to market their products to you.
• Companies involved in the provision of our information and infrastructure systems
• Your representatives e.g. lawyers, accountants, finance brokers
• Anyone else that you consent to.
  
• To entities with an interest in our business e.g. investors, advisors, agents
  
• Employers, referees and identity verification services.
  
• Comply with the law e.g. to abide by the legal requirements of the Anti-Money or Laundering and Counter Terrorism Financing Act (Cth)

Before we disclose any of your personal information to a third party, we take all reasonable steps to satisfy ourselves that:

• The organisation/person is equally or more committed than we are to protect your personal information
• You have given your consent to this disclosure.
• Your personal and credit information may be disclosed to offshore outsourced companies. Please contact us for more information.
• Use of your personal information for Direct marketing
• We may use your information to provide you with up to date information about finance, interesting offers, organisational changes and any new products or services that are being offered by Installment Loans and associated companies.

To opt out of being sent marketing information you can email us admin@breezyloan.com.au or complete our contact form on our website.

To opt out of being sent marketing emails, click on the unsubscribe link at the end of the email. This will be effective for email marketing from the entity/brand that sent the email to you.

To opt out of being sent promotional text messages, follow the unsubscribe instructions at the end of the text message. This will only be effective for text message marketing from the entity/brand who texted you.

You need to contact us if you wish to unsubscribe from all direct marketing sent to you by PAID International and related entities. We will action your request at the earliest opportunity, with no fees charged to you.

How to keep your personal information up to date?

It is highly important that we hold accurate, up to date personal information. Throughout our relationship with you, we may ask you to inform us of changes to any of your personal information.

We rely on you to ensure that we hold accurate and complete information about you. To make changes, all you need to do is contact us using our online contact form or email us:
admin@breezyloan.com.au or give us a call on 0424 10 20 33.

How do I access or correct my personal and credit information held by Installment Loans?

You can request access to the personal information held by Installment Loans at any time. There may be a fee charged to retrieve and supply this to you.

The response time from us depends on the type of request. Some types of requests will receive an immediate response. You will receive a response within 7 days of your request being received by us. Increased response times may be caused by the need to contact other entities in order to properly investigate and action your request.

Why have I been denied access to my personal information?

We will provide an explanation to you if we deny you access to your personal information held by Breezy Loans Pty Ltd. We are not required to provide you with access when:
1. The information relates to existing or expected legal proceedings.
2. Your request is vexatious.

Requests to correct personal information

If any of the information held by us about you is inaccurate, incorrect or outdated you can request for us to correct it. We will correct the personal information immediately, if it's appropriate. If not, you will receive a response from us within 7 days of us receiving your request.

If it is reasonable, after an investigation, details about the corrections we have/have not made will be provided to you within 30 days. Consultation with other entities may be required as part of our investigation. When we refuse to make corrections to your personal information, Breezy Loan will provide you with reasons why this has occurred.

Collection and use of government identifiers.

If Breezy Loans Pty Ltd collects a government identifier e.g. tax file number, it will not be used or disclosed unless required by law. A government identifier will never be used to identify you.

Doing business without identifying you.

Where lawful and practicable, Breezy Loans Pty Ltd will give you the opportunity to do business with us without providing personal information to identify yourself e.g. when you contact us with general enquiries. Most of the time, it is necessary to identify you for security reasons to successfully handle your enquiry.

Sensitive information collection.

Sensitive information includes personal information that relates to your health, criminal record , race/ethnic origin, sexual preference, political persuasion, and memberships of trade/professional associations or trade unions. You must provide consent for us to collect sensitive information.

Security and Safety of your personal information held by Breezy Loans Pty Ltd

Breezy Loans Pty Ltd takes reasonable steps to protect your personal information. It is stored in a secure environment. Personal information may be stored on paper and electronically. Breezy Loans Pty Ltd has policies and procedures in place to reasonably protect any personal information from loss, misuse, modification, disclosure, unauthorised access.

Complaints

If you are dissatisfied with how we have handled your personal information, or complied with the Privacy Act, you can contact our Compliance Manager using the contact details below:
hello@breezyloan.com.au

You will receive an acknowledgement of your complaint within 7 days of the date that we received it. You will be provided with a decision/outcome on your complaint within 30 days. If you are not satisfied with the response from your complaint, you can escalate your complaint to the Privacy Commissioner. They can be contacted online at www.oaic.gov.au or on 1300 363 992.

Do not hesitate to contact us if you need more information about the way your personal information is managed by us.

Third Party Sites

When you access a third-party website from Breezy Loans Pty Ltd' website some of the information you provide to us will be shared with a third party. We normally share cookie information about your preferences, and yourself. Third party websites are generally accessed to collect bank statement information, which is a requirement of our application and assessment process.

Third Party websites are responsible for their own privacy practices and should contain their own privacy statements.

Cookies

Breezy Loans Pty Ltd uses cookies for the purpose of security and to personalise your browsing experience on our website.

Cookies will not allow us to collect personal information. Some of the situations when we may use cookies are:

1. To allocate your Internet browser with an identification number (there is no way that this number can personally identify you.
2. To ascertain if you have visited our site in the past.
3. Website and online campaign performance tracking and reporting.
4. To recognise other pages or third parties' websites you have accessed.
5. For security and to detect fraud.

Your browser can be configured to not receive cookies. This configuration will stop you from being able to access secure services that require cookies. These include (but are not limited to) our online application and some features provided to our members.

Changes to this policy

Our policies and procedures are under constant review to keep up to date with market expectations and constantly changing technology, laws and marketplace practices.
As a result, our Privacy Policy can change at any time. We strongly encourage you to check our website regularly for any updates.

Acceptance

You understand that your use of the Breezy Loan's website indicates your acceptance of the Breezy Loans Pty Ltd Privacy Policy, Terms and Conditions and website policy.