Privacy policy

Last updated 27th June 2024

The purpose of this policy is to explain how Auto Finance Direct Ltd (“AFD”, “we” or “us”) gathers, uses and processes your personal information. AFD takes your privacy seriously and handles your personal information in accordance with all applicable laws, including the Privacy Act 2020.

We may change this policy at any time and if we do, we will post the updated policy on the website. By continuing to use the website, you agree to the updated policy.

Information AFD collects

We collect personal information that you provide to us directly, including through our website or by submitting an application form, or by contacting us (by email or otherwise). We may also collect information automatically using cookies or other web measurements tools as you use our website or online portals and forms.

Where you are applying for a loan, we may also collect your personal information from the motor vehicle dealer you are dealing with, credit reporters, your employers, other credit providers, government departments and your relatives.

The personal information we collect from you will vary depend on the nature of our interactions with you, but may include:

your name, email address and other contact details;
if you are applying for a loan, your credit information which may include your date of birth, address, occupation, employer and driver licence details;
a record of how you use our website or online portals and forms; and
a record of your communications with AFD.

What we use your personal information for

We will only hold and use your personal information for the purposes set out in this policy, and for any purpose disclosed to you at the time of collection, or for any related purposes. Generally, we will only use your personal information:

to provide our services to you and generally do business with you;
if you are applying for finance, to consider and assess your application for finance and a credit account;
to administer, manage and monitor any loan, finance and credit account provided to you, along with any other purposes notified to you as part of the application process;
to operate, and analyse your use of our website, including the online application forms;
to conduct market research, data processing and statistical analysis;
to respond to any queries you make, manage our relationship with you, and exercising our rights under our contracts with you; and
to comply with any applicable laws and/or regulations.

If you do not provide us with your personal information, then we may not be able to provide our services to you.

Sharing your personal information

AFD will hold all personal information securely. AFD may disclose your personal information to:

our service providers;
our partners and related companies;
if a motor vehicle dealer has provided us with personal information on your behalf, that motor vehicle dealer;
agents, contractors and credit reporters, for the purpose of obtaining a credit report about you;
repossession agencies and external debt collection agencies, in the event you default on your financial obligations to us; and
any other third parties where you have consented to such disclosure or if we are required to disclose your personal information by law or court order.

Otherwise, personal information will not be shared, sold or disclosed to any other individual or company unless AFD is compelled to by law or it is deemed absolutely necessary to do so to provide the product or service requested by the individual.

Your rights

You may contact AFD by phone at 0800 751851 or email [email protected] to confirm what information, if any, is held about you and request correction of that information.

Personal information will be held for as long as services are being provided or for as long as is lawfully necessary.

Web measurement tools and cookies

We may use cookies and other tools designed to collect information regarding your use of the website. AFD may use this information to gather general statistics on the usage of this website, including for assessing website traffic and search optimisation. This information is anonymised.

You may choose not to accept the use of cookies on our website. You can change the settings on your browser to disable cookies while you are using our website

Occasionally AFD may allow third party advertising on the website or within other electronic communications. Where this is the case, the third party’s privacy policy will apply. AFD is not responsible for the privacy policy of a third party website and does not accept liability for any breach of privacy committed by a third party regardless of their relationship with AFD.