Legal Stuff

Legal stuff


  • Responsible Lending
  • Terms of Use
  • Disclaimer
  • Your Privacy
  • Warning About Borrowing
Responsible lending: (Section 3.2 (Licensees that are credit providers under credit contracts:

(i) Our Australian Credit Licence requires us to lend responsibly. Before we complete our assessment of eligibility, we must make reasonable inquiries about your financial situation. We need to understand where you are at this point in time, how much you can afford, and why you need a Today Loan. We must comply with these requirements according to the National Consumer Protection Act 2009. Our tailored loan product was devised specifically for this reason. We make sure you can comfortably repay our loans so that you can get on with life quicker and easier.

(ii) We must take reasonable steps to verify that you can afford our loan. This will require documentation showing how much you can afford to repay without affecting your lifestyle.

These checks generally include:

  • asking you about whether you have any other short term loans and the status of those loans
  • asking you why you need a Today loan
  • asking you about the source of your income
  • reviewing 90 days of your bank transaction history

We will not offer you a Today loan if we find that it is unsuitable for you. This will all be based on the inquiries and verification steps we’ve taken.

(iii) We show you a complete breakdown of all the costs before you take a loan. We supply you with a credit guide which discloses any information you need. We are fully transparent so that you can make informed decisions.

A copy of this document can be downloaded in Adobe Acrobat PDF format by clicking here
About this web site

This is a web site operated by Today Loans Australia under the domain name www.todayloans.com.au.

Your use of the information, graphics and materials on the Today Loans Australia Web Site is governed by these Terms of Use and the Privacy Statement.

Copyright and Trademarks

Today Loans Australia retains copyright in all materials, graphics and content on this website. No material, graphics or content on this web site may be reproduced without the written permission of Today Loans Australia.

Terms of Use Acceptance of Changes

Your conduct in making use of and browsing this web site indicates your acceptance of theToday Loans Australia’s Terms of Use and Privacy Policy.

These Terms of Uses and Privacy Policy are current and replace any former Terms of Use and Privacy Policy published on this web site. Today Loans Australia may vary this policy at any time by publishing the variation on this web site and you accept same as variation notice.

About this website

Whilst every effort is made to ensure that the information on these pages is correct, Today Loans Australia does not warrant or represent that the information is free from errors or omissions, or that it is exhaustive.

Today Loans Australia further does not warrant or accept any liability in relation to the quality, operability or accuracy of the information.

Links to other web sites

The Today Loans Australia Web Site may contain links to other web sites operated by third parties. Today Loans Australia does not endorse, or approve of the operators of Third Party Web Sites, or the information, graphics and material on those Third Party Web Sites.

Warranties

While we have made every effort to ensure that information is free from error, Today Loans Australia does not warrant the accuracy, adequacy or completeness of Material on this web site.

All information is subject to change without notice. Today Loans Australia does not guarantee that Today Loans Australia Web Site or Third Party Web Sites will be free from viruses, or that access to the Today Loans Australia or Third Party Web Sites will be uninterrupted.

Terms of Use Acceptance of Changes

Your conduct in making use of and browsing this web site indicates your acceptance of the Today Loans Australia’s Terms of Use and Privacy Policy.

These Terms of Uses and Privacy Policy are current and replace any former Terms of Use and Privacy Policy published on this web site. Today Loans Australia may vary this policy at any time by publishing the variation on this web site and you accept same as variation notice.

Introduction

Today Loans Australia Pty Ltd (“we”/”us”/”our”) ACN: 604724629 endeavour at all times to comply with the Privacy Act 1988 and the Australian Privacy Principles which together will be referred to in this policy as “Australian Privacy Law.”

This General Privacy Policy applies to all persons dealing with us or from whom we otherwise collect personal information. We also collect personal and consumer credit information provided by persons applying for or receiving credit from us and, in doing so, endeavour at all times to comply not only with Australian Privacy Law, in general, but also with the Credit Information Privacy Code. All persons who apply for or receive credit from us or you agree to guarantee another person’s credit from us, will be further protected by our Credit Information Privacy Policy.

Any person who receives credit from us and applies to vary the terms of the payments on the grounds of hardship will be additionally protected by our Hardship Privacy Policy. This document will be provided on demand if necessary, but by default on application of hardship.

Pseudonyms

You are not required to provide us with your name or any personal information if you do not wish to. You are free to use any name allowed by law. We, however, will not deal further with you without obtaining your real name and other verifiable pieces of personal information.

We are not permitted by law to provide you with consumer credit without obtaining proof of your identity which is covered in our Credit Information Privacy Policy.

The kinds of personal information we collect

As a result of you dealing further with us, whether as a prospective customer, an actual customer, guarantor, contractor, supplier or service provider, we may collect and store personal information from you such as:

  • your name;
  • address, previous addresses and how long you have lived at those addresses;
  • date of birth;
  • your employer, previous employers and how long you have been in such employment;
  • your email address;
  • your telephone numbers; and
  • the details of any references you supply, including the names and addresses of your referees.

If you apply to us for consumer credit information we will collect and store consumer credit information in addition to the above personal information and this will be governed by our Credit Information Privacy Policy.

How we collect your personal information

As a result of you dealing further with us, we may collect personal information directly from you and this may be over the telephone, by mail, over the internet, by email or fax or by completion of an application or consent form whether on-line or otherwise.

If you:

  • apply to us for credit;
  • agree to guarantee credit from us to another person;
  • receive credit from us;
  • apply to us to vary the terms of your payments under your consumer credit contract on the grounds of hardship; or

we may collect personal, credit and sensitive information about you from other sources when it is impractical or unreasonable for us to collect it directly from you. Among these other sources may be:

  • a credit reporting body;
  • someone authorised by you such as an agent, broker, accountant, solicitor, financial counsellor, introducers or a guarantor;
  • a referee;
  • an employer;
  • a government body;
  • another financial institution;
  • a professional or trade association or trade union;
  • our agents

and we may collect that information directly from them over the telephone, by mail, over the internet, by email or fax or by completion of an application or consent form whether on-line or otherwise.

How we hold your personal information

We use our best endeavours and take all reasonable steps to secure your personal information including:

  • maintenance of a secure environment for storage of information whether in hard copy or in electronic form;
  • requiring that access to such information be confined to authorised personnel only;
  • using technology such as encryption and password protection to secure any information kept in electronic form.
The purposes for which we collect, hold, use and disclose your personal information

If you are a prospective customer, a customer or guarantor of a customer’s credit, a contractor or supplier of goods and services to us or other person from whom we collect, hold, use and disclose your personal information we shall do so only for those purposes which are:

  • permitted by Australian Privacy Law;
  • necessary for:
    • the administration of any contract of supply of goods or services to or by us;
    • the provision of our products to our customers;
    • the consideration of any proposed guarantee of credit;
    • otherwise for the administration and management of our business;
  • required by law;
  • in order to investigate or assist with any investigation into any complaint about the conduct of our business, in particular, under Australian Privacy Law;
  • to otherwise enforce any term of any contract or other right which arises out of our dealings with you.;
  • to communicate with you, by way of direct marketing, information about our products and services. If you do not wish us to do so, you can “opt out” of such communication by informing us in person, by telephone, by facsimile, by post or by email;
  • to search and/or register any Personal Property Securities;
  • as part of a prospective sale, transfer or restructure of our business; or
  • to otherwise communicate with you or the purposes outlined above.

In addition, if you apply to us for consumer credit or receive credit from us, we will collect, hold, use and disclose your personal information in order to:

  • assess your credit application;
  • manage your credit contract;
  • consider any application for variation of your payments whether or not on the grounds of hardship;
  • collect any debt or otherwise enforce any rights arising under your consumer credit contract.

If, for any of the above purposes, we disclose your personal information to any supplier of services to our business, we shall do so only if it is necessary for the purposes listed above, we shall:

  • do so in accordance with Australian Privacy Law;
  • obtain assurances from those suppliers that they comply with Australian Privacy Law.
How you may access your personal information held by us

You may request access to your personal, sensitive and credit information held by us by identifying yourself by facsimile or by scanned attachments to an email and sending your request for access to us at admin@todayloans.com.au

If we are unable to grant your access to personal, sensitive or credit information, we will give you our reasons in writing within a reasonable time. These may include where providing the information to you may:

  • reveal personal information about another individual person;
  • pose a threat to the health or safety of another individual person;
  • not be permitted by law;
  • reveal internal information of a commercially sensitive nature which is not required to be disclosed to you by Australian Privacy Law.
How you may correct any personal information we hold about you which is incorrect

If you believe any personal information which we hold about you is incorrect, please contact us by telephone, by facsimile or by email and identify yourself and tell us what information which we hold about you is, in your belief, incorrect and how you want it changed.

If we cannot agree to the change to the information which you have requested, we will give you reasons in writing.

How you may complain about how we deal with your personal information

If you are not satisfied with the reasons referred to above or otherwise have any complaint about how we collect, hold, use or disclose your personal information please contact our Privacy Officer who will then follow our Privacy Internal Dispute Resolution process.

Our Privacy Officer can be contacted at admin@todayloans.com.au

If you are not satisfied with our Privacy Internal Dispute Resolution process, you may refer your complaint to our External Dispute Resolution Scheme.

Our External Resolution Scheme is:

Financial Ombudsman Service
GPO Box 3
MELBOURNE VICTORIA 3001

Tel: 1300 780 808
Fax: 03 9613 6399
Website: www.fos.org.au

You can, of course, at any time, refer directly to:

The Office of the Australian Information Commissioner

GPO Box 2999
CANBERRA ACT 2601

Tel: 1300 363 992
Fax: 02 9284 9666
Website: www.oaic.gov.au

 

Changes to this Policy

From time to time, we may make changes to this General Privacy Policy because of:

  • changes to the law;
  • changes to technology;
  • changes to our systems.

We will notify such changes on our website. Where the changes may affect you in a particular way, and you have a consumer credit contract with us, we will notify you if required by Australian Privacy Law and our Credit Information Privacy Policy.

To download a copy of this document in Adobe Acrobat PDF format,  click here

Do you really need a loan today?

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems. Check your options before you borrow:

  • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  • If you are on government benefits, ask if you can receive an advance from Centrelink
  • The Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.
* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

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