ERN (AUST) Pty Ltd t/as ATM Loans

ABN 18 095 939 530 Australian Credit Licence 507411

Privacy Acknowledgment and Consent

The way we collect and deal with your personal information is contained in our Privacy Policy at www.atmloans.com.au

We collect personal information from you and from others so that we can (amongst other things set out in our Privacy Policy):

  1. assess your application;
  2. if approved, provide you with a facility, and
  3. manage your dealings with us.

If you do not provide us with that information, or authorise us to do so, we will not be able to provide the services mentioned above.

We may disclose your personal information to:

  1. credit reporting bodies and other credit providers;
  2. your referees including your employer;
  3. our advisers, agents, insurers and external dispute resolution schemes;
  4. the Australian Government (when required to do so);
  5. entities with whom we deal and as set out in our Privacy Policy, and
  6. any person we are authorised or required to, and any person you authorise us to.

By consenting to this Privacy Acknowledgement and Consent, you consent to us:

  1. obtaining personal information about you in accordance with our Privacy Policy and the Privacy Act and in particular from Credit Reporting Bodies;
  2. disclosing your information as set out above and in accordance with our Privacy Policy and the Privacy Act, and
  3. using personal information we have obtained about you for the purposes of offering you other products or services which we believe may be of interest or benefit to you that we or our partners might have available. You can withdraw your consent at any time by advising us.

You may obtain a copy of our Privacy Policy by clicking on www.atmloans.com.au or by contacting us and requesting one.

You can request access to the personal information we have about you. We will provide you access to it in accordance with the Privacy Act, which might involve the payment of a reasonable fee. If you believe that any of the information is inaccurate, incomplete or out of date, you can request its correction.

ELECTRONIC TRANSACTIONS ACT 1999

The Electronic Transactions Act 1999 enables some transactions to be entered into electronically. It is our intention that the business relationship between us will be conducted under the provisions of the Electronic Transactions Act.

Under that Act, we are not entitled to conduct our business with you electronically unless we have your consent and agreement to do so.

In deciding whether you should provide that consent, we advise that you should consider:-

  1. Any electronic communication from us to you will be in a form which will be able to be saved by you, will be able to be printed by you or will be usable by you for subsequent reference;
  2. Any electronic communication from us to you will either direct you to a website from which the document can be downloaded, or the communication will have an attachment containing the information;
  3. We will retain a copy of the electronic communication for such time as we are required to by law in a form which complies with the law;
  4. You have the right to withdraw your consent to receive electronic communications on giving us at least two business days notice, and
  5. We intend to communicate you electronically in all matters where we are able to by law, and we expect that you will regularly check your electronic communication systems (e-mail and SMS in particular, and fax where applicable) to see if there is any electronic communication from us.

I/we acknowledge that I/we have read and understood the consent given under the Electronic Transactions Act 1999 and agree to allow Ern (Aust) Pty Ltd to communicate with me/us electronically pursuant to the provisions of the Electronic Transactions Act 1999.

SPAM ACT 2003

Under the SPAM Act 2003 (Cth), we are not permitted to send you a commercial electronic message (which includes e-mail and SMS) without your consent.

We believe that communication through electronic messages is far more convenient and efficient for both you and us. Without your consent to communicate through electronic messages, the only way we will be able to communicate with you is through traditional post.

By agreeing to this document, and therefore providing your consent, you are confirming that:-

  1. You understand that without your consent we cannot communicate with you through electronic messages (e-mail and SMS);
  2. You have considered the advantages and disadvantages of receiving communication through electronic messages;
  3. You have decided that you wish to receive electronic messages from us, and
  4. You will ensure that the electronic addresses you provide to us (e-mail address and mobile phone number) will be kept up to date by you.

I/we acknowledge that I have read and understood the consent given under the SPAM Act 2003 and agree to allow Ern (Aust) Pty Ltd to communicate with me through e-mail and SMS.