Acknowledgment & Consent:

XpressCarLoans.com.au is an online platform that helps connect you to loan providers [credit providers] for the purpose of getting a loan.

During the application process we will collect some details from you to help us match you with a lender. We’ll then connect you to the lender or an authorised loan introducer who will process your loan application.

We are not a credit provider (lender) and as such do not make any offer or recommendation about loan products available through this website.

If you decide to accept an offer for your loan you should confirm all the relevant product information with the credit provider and consider whether the advice meets your needs, before you decide.

We do not guarantee you will get a loan by using our platform.

By using our website and submitting your details via our application system you are consenting to the following;

1. We may use and exchange your customer data with other credit providers;

You understand that the information we may exchange with other credit providers includes your application information held by us, your identification details, the type of loans you have, how much you have borrowed, whether or not you have met my loan payment obligations and if you have committed a serious credit infringement (for example, fraud).

We may exchange and sell your customer data to other credit providers and alternate service providers who may use your customer data for any of the purposes for which we can use it. You can request that this authority be withdrawn at any time.

2. We may use and exchange your customer data with third parties

Where permitted by law or for any of the purposes mention in clause 1, we can exchange your Customer Data with third parties including:

Service providers, for example finance brokers, loan introducers, credit providers, lenders, credit file repair services, budgeting services and rental services;

The provider of the market for the sale or distribution of your customer data;

Those to whom we or any of the third parties outsources certain functions, for example direct marketing, statement production, debt recovery and information technology support;

Government and law enforcement agencies or regulators;

Credit reporting bodies and credit providers.

3. Anti-Hawking

You understand that as a result of clauses 1 and 2 and any agreement I give in that respect, you may be offered a financial product from another lender based on their credit assessment of your application and it may not be the exact same type or amount you applied for.

By registering your details with us you consent to receiving regular updates and relevant promotional campaigns from us electronically. You can opt out at any time by clicking on the unsubscribe link in the footer of our email communications.

 

Privacy Policy:

Urbantech Group Pty Ltd [ACN: 102 789 033] trading as XpressCarLoans.com.au ("XpressCarLoans.com.au") operates xpresscarloans.com.au and may operate other websites. It is XpressCarLoans.com.au's policy to respect your privacy regarding any information we may collect while operating our websites.

Website Visitors

Like most website operators, XpressCarLoans.com.au collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. XpressCarLoans.com.au's purpose in collecting non-personally identifying information is to better understand how XpressCarLoans.com.au's visitors use its website. From time to time, XpressCarLoans.com.au may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.

XpressCarLoans.com.au also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users leaving comments on xpresscarloans.com.au blogs/sites. XpressCarLoans.com.au only discloses logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below, except that commenter IP addresses and email addresses are visible and disclosed to the administrators of the blog/site where the comment was left.

Gathering of Personally-Identifying Information

Certain visitors to XpressCarLoans.com.au's websites choose to interact with XpressCarLoans.com.au in ways that require XpressCarLoans.com.au to gather personally-identifying information. The amount and type of information that XpressCarLoans.com.au gathers depends on the nature of the interaction. For example, we ask visitors who sign up at xpresscarloans.com.au to provide a username and email address. Those who engage in transactions with XpressCarLoans.com.au are asked to provide additional information, including as necessary the personal and financial information required to process those transactions. In each case, XpressCarLoans.com.au collects such information only insofar as is necessary or appropriate to fulfill the purpose of the visitor's interaction with XpressCarLoans.com.au. XpressCarLoans.com.au does not disclose personally-identifying information other than as described below. And visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.

Aggregated Statistics

XpressCarLoans.com.au may collect statistics about the behavior of visitors to its websites. XpressCarLoans.com.au may display this information publicly or provide it to others. However, XpressCarLoans.com.au does not disclose personally-identifying information other than as described below.

Protection of Certain Personally-Identifying Information

XpressCarLoans.com.au discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations that (i) need to know that information in order to process it on XpressCarLoans.com.au's behalf or to provide services available at XpressCarLoans.com.au's websites, and (ii) that have agreed not to disclose it to others. Some of those employees, contractors and affiliated organizations may be located outside of your home country; by using XpressCarLoans.com.au's websites, you consent to the transfer of such information to them. Other than to its employees, contractors and affiliated organizations, as described above, XpressCarLoans.com.au discloses potentially personally-identifying and personally-identifying information only in response to a subpoena, court order or other governmental request, or when XpressCarLoans.com.au believes in good faith that disclosure is reasonably necessary to protect the property or rights of XpressCarLoans.com.au, third parties or the public at large. If you are a registered user of an XpressCarLoans.com.au website and have supplied your email address, XpressCarLoans.com.au may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what's going on with XpressCarLoans.com.au and our products. If you send us a request (for example via email or via one of our feedback mechanisms), we reserve the right to publish it in order to help us clarify or respond to your request or to help us support other users. XpressCarLoans.com.au takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.

Cookies

A cookie is a string of information that a website stores on a visitor's computer, and that the visitor's browser provides to the website each time the visitor returns. XpressCarLoans.com.au uses cookies to help XpressCarLoans.com.au identify and track visitors, their usage of XpressCarLoans.com.au website, and their website access preferences. XpressCarLoans.com.au visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using XpressCarLoans.com.au's websites, with the drawback that certain features of XpressCarLoans.com.au's websites may not function properly without the aid of cookies.

Business Transfers

If XpressCarLoans.com.au, or substantially all of its assets, were acquired, or in the unlikely event that XpressCarLoans.com.au goes out of business or enters bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of XpressCarLoans.com.au may continue to use your personal information as set forth in this policy.

Ads

Ads appearing on any of our websites may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy covers the use of cookies by XpressCarLoans.com.au and does not cover the use of cookies by any advertisers.

Privacy Policy Changes

Although most changes are likely to be minor, XpressCarLoans.com.au may change its Privacy Policy from time to time, and in XpressCarLoans.com.au's sole discretion. XpressCarLoans.com.au encourages visitors to frequently check this page for any changes to its Privacy Policy. If you have a xpresscarloans.com.au account, you might also receive an alert informing you of these changes. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.