Overview
Fast Lane Finance Pty Ltd, ACN 169 504 698, ACL 463 804 (‘we’, ‘us’, ‘our’) collects Personal Information about you for the purposes in this Privacy Disclosure Statement and Consent (‘Consent’). When you sign below, you agree we can, subject to Australia’s privacy, credit reporting laws, and this Consent, collect, hold, use and exchange Personal Information about you for these purposes. Personal Information will not be disclosed to any other person except with your permission, or as permitted by law

What is Personal Information?
‘Personal Information’ under the Privacy Act 1988 includes information about you from which your identity is apparent or can be reasonably identified, and includes your personal details and contact information. It also includes credit information such as your credit history (including information about your past experiences with us and other lenders, the kinds of credit products you have had or sought, how you have managed your obligations, information contained in a credit report about you, and information about your credit worthiness based on a credit report about you) for the purpose of seeking a quote for the cost of credit from a credit provider, and to arrange for the establishment of a credit account. Plus, it may include your driving and insurance history.

Should you provide us with Personal Information about another person, such as a spouse or co-worker, you acknowledge that you are authorised to do so and agree to inform the person that we have collected their Personal Information as part of this application, as well as advise them of the contents of this Consent.

Why we collect your Personal Information
We are collecting Personal Information about you, as applicable:
1. To verify your identity and your financial situation;
2. To exchange your Personal Information with a Credit Reporting Body (‘CRB’);
3. To disclose your Personal Information to a credit provider(s) to source for you consumer credit for personal, domestic or residential purposes;
4. To disclose your Personal Information to credit provider(s) to source for you commercial credit for business purposes;
5. To disclose your Personal Information to an insurer(s) to source any insurances you wish to obtain;
6. To support a guarantor application you provide.
If we cannot collect and use your Personal Information, or are unable to verify your identity, we may be unable to process your application.

Identity Verification
We are required by the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) to identify you, and by the National Consumer Credit Protection Act 2009 to collect Personal Information about you to learn about and verify your financial situation.

Disclosures – General
We may disclose or exchange your Personal Information with potential lenders and the issuer of any insurance products for which you are applying. We may also exchange your Personal Information with others to verify that it is correct (for example your employer), our related body corporates, assignees, agents, contractors and external advisers; organisations for verifying your identity; your agents, advisers, guardians or attorneys; law enforcement, regulatory and government bodies; anyone who introduces you to us; any person we consider necessary to execute your instructions; persons with whom you make a joint application; any financial institution to or from which a payment is made in relation to your application; and debt collection agencies.

Disclosures – Credit Reporting Body (‘CRB’)
We or a credit provider we have engaged may exchange Personal Information with a CRB as follows:
• Disclose your Personal Information to a CRB to obtain a credit report on your behalf. In doing so we will be acting in our capacity as an access seeker;
• Use any Personal Information a CRB provides in that report to assist us to preliminarily assess your consumer credit or guarantor application; and
• Request a CRB to provide us with an assessment of whether the Personal Information provided to us matches (in whole or part) the Personal Information contained in a credit information file, thereby verifying your identity.

If you do not wish for us to verify your identity in this way, please contact us so that we may identify you by other means.
Our current CRB is Equifax Pty Ltd (‘Veda’), and you can contact Eqifax by telephone on 13 83 32 or email via https://www.equifax.com.au/contact. Equifax’s opening hours are Mon-Fri, 8.30am-6pm EST.

Disclosures – Credit Providers
We may submit your application to one or more credit providers. Please refer to the “Our Lenders” section in the Credit Guide document for the list of credit providers we may use.

We may undertake tasks that are reasonably necessary to the application process. We will assist in managing the application process with a credit provider.

If a credit provider holds credit eligibility Personal Information the provider, must, on request by an access seeker, such as Fast Lane Finance, share that Personal Information with the access seeker.

The website of each credit provider contains details of each CRB with which it deals and other detail about Personal Information held about you and describes your key rights. This detail may be described on the credit providers’ websites as ‘notifiable matters’,
‘privacy policy’, ‘credit reporting policy’ or ‘privacy disclosure statement and consent’, and includes:

• That the CRB may include Personal Information the credit provider discloses about you to other credit providers to assess your credit worthiness;
• That, if you become overdue in making consumer credit payments or you commit a serious credit infringement, the credit provider may disclose that Personal Information to a CRB;
• How you can obtain the credit provider’s and/or CRB’s policies about managing your credit information;
• Your right to access and/or correct Personal Information held about you and to complain about conduct that may breach the privacy and credit reporting laws;
• Your right to request a CRB not to undertake pre- screening for purposes of direct marketing by a credit provider;
• Your right to request a CRB not to release Personal Information about you if you believe you are a victim of fraud

If you have any questions about any of our credit providers’ privacy or credit policies, you should visit their website. If your application proceeds with a particular credit provider you will be asked again for your consent to collect and use your Personal Information by that credit provider.

Your rights
You have the right to ask:
• Us to provide you with all the Personal Information we hold about you;
• Us to correct the Personal Information we hold if it is incorrect;
• Us for copies of our privacy policy and this document, in a form that suits you (e.g. hardcopy or email)
• The CRB not to use your information for direct marketing assessment purposes, including pre-screening;
• The CRB to provide you with a copy of the information it holds about you;

To access and seek correction of your Personal Information, or make a complaint about privacy, you can contact our Privacy Officer, Lucas Diplacido as follows:

Phone: 08 6165 2200
Email: lucas@motorcorp.com.au
Mail: Privacy Officer
1692 Albany Hwy, Kenwick WA 6107

For more information on our Privacy Policy please visit www.fastlanefinance.com.au or request a copy from a Fast Lane Finance staff member.

In some cases an administration fee may be charged to cover our reasonable costs to provide information to you.

Disclosure and Consent
By signing below, you agree we may:
• Collect, hold and use your Personal Information:
o To assess your consumer or commercial credit and/or guarantee application;
o To source any finance you require;
o To source any insurances you require;
o As the law authorizes or requires;

• Disclose to, and obtain from, any prospective credit provider or insurer, Personal Information about you that is reasonably necessary to obtain the finance and insurances you require;
• Obtain from, and disclose to, a necessary third party such as your employer, a work colleague and your spouse information about you, the applicant(s) or guarantor(s) that is reasonably necessary to assist you obtain the finance and insurances required;
• Provide your Personal Information, including your credit report(s), to one or more of the credit providers specified in the Schedule of Credit Providers below so they can assess your application
• Provide Personal Information about you to a guarantor, or prospective guarantor; and
• Disclose your Personal Information to other organisations engaged by us concerning the services in this Consent.

You also agree and consent:
• To a CRB disclosing Personal Information to one or more credit providers specified in the Schedule of Credit Providers below for the purpose of assessing your application for consumer or commercial credit or your guarantor application;
• When you are a prospective guarantor, a credit provider using that Personal Information to assess your suitability as a guarantor;
• To a credit provider disclosing your Personal Information (including information obtained by it from a CRB) to a guarantor, or a prospective guarantor;
• To a credit provider disclosing to another credit provider, for a particular purpose, Personal Information it holds about you; and

where the applicant, or guarantor, is a company of which you are a director, you consent to the use of your Personal Information, in addition to the company’s information collected as disclosed above.

Marketing
We or our related companies would like to provide you, or the company of which you are a director, with marketing information about, products and services.

I have read and understood this Privacy Disclosure Statement and Consent and I consent to the collection, use and disclosure of Personal Information in accordance with this Privacy Disclosure Statement and Consent. Where I have provided Personal Information about another individual, I declare that I have the authority of that individual and they have been made aware of that fact and the contents of this Privacy Disclosure Statement and Consent.

FAST LANE FINANCE:
Information about Fast Lane Finance

Licensee:
Fast Lane Finance Pty Ltd T/As Fast Lane Finance
• ABN: 45 169 504 698 ACN: 169 504 698
• Australian Credit Licence: 463 804
• 1705 Albany Hwy, Kenwick WA 6107
• Phone: 1300 786 891
• Fax: (08) 9459 9788

This Credit guide provides you with information about our services and those of our representatives. It contains information about various fees and charges that may be payable by you to us, as well as about certain commissions we may receive from a licensee when we are acting as a credit representative, or we pay to certain third parties. It also contains information about what you should do if you have a complaint or dispute in connection with our services as a credit representative.

Our Services:
We assist you in selecting and obtaining finance that suits your requirements

Our Lenders:
Subject to meeting credit requirements, we can assist you to obtain finance through a range of lenders including:
Green Light Auto, Liberty Financial Pty Ltd, Macquarie Group Limited, Pepper, WISR, Finance 1, Money 3, AFS, WISR, AMMF, Latitude, Now Finance, Selfco Leasing, Affordable Car Loans, Society1, Metro, Get Capital, RACV, Prospa, Morris Finance, Plenti, Moula, Money Place, TL Rentals, ANZ, Alpha Finance, Automotive Finance Group, Autopay.

What we need from you:
Under current NCCP regulations we are required to ensure that any loan we assist you in obtaining is not unsuitable to yourself. To ensure this we are required by law to make reasonable inquiries and verify that:

• The loan will meet your requirements and objectives;
• You will be able to meet the required repayments based on your current financial situation
• We will be unable to assist you if it is determined that:
• You will be unable to meet the proposed repayments without suffering substantial financial hardship
• The loan will not meet your requirements or objectives

For these reasons we may at times ask you for further information and it is essential that the information you provide us is accurate.
If we assist you in obtaining or applying for credit you may ask us for a copy of our credit assessment at any time within 7 years of us providing you with assistance.

Fees and Charges:
We may charge a fee for providing you with credit assistance. This fee will be disclosed prior to submitting your loan documents to a
lender. There are no other fees charged to you by us. You may be liable for other fees such as application fees to the Lender. These
fees are not payable if finance is not approved.
You should review your loan documents for details of any other fees or charges that may be applicable.

Commissions we may receive:
We may receive commissions from Lenders who provide finance to you as our customers. These commissions are not paid by you. You may obtain reasonable information from us of these commissions and how they are calculated. We may also receive Volume Bonus’s from lenders based on the volume of business we provide them.

Commissions we may pay:
We source clients and referrals from a variety of sources. At times we may pay a fee to third party for referring business to us. These fees or commissions are generally small amounts and are not paid by you. You may obtain reasonable information from us of these fees or commissions and how they are calculated.

Complaints and Disputes:
We endeavour to provide you with the best service possible, however if we fall short you can let us know by contacting our Complaints Department as follows: Phone: (08) 6165 2200 Lucas DiPlacido Email: lucas@perthmotorsport.com.au Post: 1705 Albany Hwy, Kenwick WA 6107
Please feel free to mention to any of our representatives that you are unhappy with our service. We strive to resolve all complaints promptly and professionally and avoid any unnecessary escalation of minor complaints.
If we are unable to resolve your complaint you may refer it to an ASIC approved external dispute resolution scheme. This is a free service to provide you the consumer with an independent third party to assist you in resolving specific complaints.
Our external dispute resolution service provider is the Australian Financial Complaints Authority, which can be contacted via:

• Telephone: 1800 931 678
• Online complaint: https://www.afca.org.au/make-a-complaint/complain/
• Website: http://www.afca.org.au
• Mail: GPO Box 3, Melbourne VIC 3001
• Fax: (03) 9613 6399

Disclaimer:
We do not make any guarantees regarding the current or future value of any vehicle, product or service that we assist you in obtaining finance for. It is recommended you make your own enquiries if you are unsure of the value of a vehicle, product or service.
We are unable to and do not provide financial or legal advice. It is important that you ensure you are aware of and understand your legal obligations under the finance obtained and any financial consequences as a result of obtaining finance. If you are unsure, it is highly recommended you obtain independent financial and legal advice prior to entering into a contract for finance.
If you have any further questions regarding our credit guide and services we provide, you can contact us as listed below:
Phone: (08) 6165 2200 Lucas DiPlacido
Email: lucas@perthmotorsport.com.au
Post: 1705 Albany Hwy, Kenwick WA 6107

Service to be provided
We will attempt to arrange the loan as requested by you.

Maximum Fee or Charge Payable by You to Us
If we successfully obtain an approval for the loan you require and the loan settles, you must pay us a fee for our services. This service fee will be listed on the loan documents and included in the loan amount and will not exceed a maximum of $2500.00(Incl. GST). The providing lender will then reimburse Fastlane upon settlement.
The fee is payable once only and is payable in full if the loan is settled. There are no other fees and charges payable by you to us, however you may also be liable to pay fees to the lender direct.

Acknowledgement and Agreement
I/We acknowledge that I/We have read and fully understand the contents of this document. I/We also acknowledge and agree that I/We will pay you the above fee for your services if the loan is approved. I/We understand that the fee will be included in the loan amount and paid to Fastlane Finance on settlement. I/We understand that if we are approved and decide not to proceed the fee is payable by me/us direct to Fastlane Finance.
I/We further acknowledge and consent to receive this quote and any additional disclosure documents such as a Credit Guide and/or a Credit Proposal by electronic communication means. This consent is given on the understanding that paper disclosure documents may no longer be given to me/us and that I/We must regularly check electronic communications for such documents. I/We also understand that I/We may withdraw consent to receive these disclosures at any time by contacting you at the above contact details.