Financing your lifestyle

Finance Brokers work for you as the client, we have no alignment to any lender so we can give an educated impartial assessment of your financial situation and make informed proposals as to which products may suit you best.

Most of our fees are paid by the lender and any fees you may incur will be discussed prior to any engagement of our services.

This is something we tackle and hear more than you would imagine. We can help assess your current financial situation and steer you in the right direction even if that's not today. We are committed to preserve and serve you as clients for a long time so we will go the extra mile to get you where you would like to be.

Australian Finance Agency ABN 74 620 967 589 is firmly committed to protecting the privacy and confidentiality of personal information. We take our obligations seriously to handle your personal information in accordance with the requirements of the Privacy Act 1988. This Privacy Policy sets out details about how we collect, use and manage your personal information.  Collection and use of personal information We collect personal information to enable us to provide our products and services to you and otherwise as set out in this Privacy Policy. In addition, if we are required to comply with certain legislation to provide you with the products and services you choose, then collection of certain personal information will be mandatory. If you don’t want to or are unwilling to provide us with the information we need, we may be unable to provide services to you.  Personal information obtained and held We only collect and hold personal information about you, which is reasonably necessary for our functions and activities, which include (but are not limited to): ● Providing you quality products and/or services and to improving how we operate and provide those services. ● Assessing an application for finance to ensure no financial hardship will occur because of assisting with the provision of a specific loan. ● Arranging finance and any related insurance. ● Maintaining your contact details. ● Fulfilling our legal obligations under applicable laws and rules, such as those relating to Anti-Money Laundering and Counter-Terrorism Financing. Examples of personal information collected and held relating to our customers or loan applicants: ● Name, date of birth, address, telephone number, email address or other contact details. ● Information that we require to identify customers or loan applicants, including as required under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006, which may include details or copies of passports, birth certificates, driver licences, utility bills or other documentary evidence of applicants’ identities. ● Information relevant to the financial services that we provide or have been requested to provide, including information about customers' or applicant's financial position, such as: ○ details of assets and liabilities, including investments and any existing debts ○ details of income, including employment status, occupation and the name of our clients' employer; and proof of financial position, including for example pay slips or tax statements. ● Other details relevant to a finance application that we require to assess that application, such as family details or the number of dependants. ● Credit information, including credit information contained in credit reports from Credit Reporting Bodies (CRB). ● Records of our interactions with you, including by telephone, email and online. ● Your enquiries or complaints. ● Information that may be required about other third parties (e.g., your spouse, a co borrower or dependents). Where we collect such information, you confirm that you have obtained the necessary consents from that third party to disclose such information to us and have informed the third party of the purpose for disclosure. Credit information is personal information that relates to credit that a person has applied for or has been provided. The credit information that we will collect from you may include your records of credit that you have applied for (including the name of the credit provider, the type of credit and the amount of credit), default information or any other information that has a bearing on your credit worthiness used to determine your eligibility for credit. Credit information also includes credit reporting information supplied to us by a credit reporting body and any information that we derive from it.  We will collect, hold, disclose, and use your personal and credit information to: ● Assess and verify your identity and financial situation. ● Assess your credit application, or your suitability as a guarantor to a credit application. ● Provide such information to a guarantor or related applicant. ● Exchange your information with a credit reporting body. ● Disclose your information to credit providers as set out in our ‘Credit Provider Schedule’ to arrange credit. ● Disclose your information to our aggregation partners as set out in the Aggregation Partners section of this document. ● Disclose your information to an insurer to arrange insurance you wish to obtain. ● Disclose to, and collect information from, third parties such as your employer, landlord, real estate agent, lending institution and guarantor where deemed reasonably necessary to arrange finance and/or insurance on your behalf. ● Refer you to other organisations, service providers or business partners or obtain referrals from them to you. We may not be able to provide you with products and/or services without the ability to collect, hold, disclose and use your personal and credit information.  We may also collect and hold sensitive information about you, including information relating to: ● Your citizenship or country of birth. ● Biometric information to be used for the purpose of identification or automated biometric verification. ● Criminal records. ● Information where you are a politically exposed person under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006. We may collect and hold Health Information:  ● If we are assisting you with an insurance product. We do not use or share that information for any purpose other than acquiring the product on your behalf. ● To understand your financial situation, or any anticipated changes to your financial situation. We do not use or share that information for any purpose other than providing you with credit assistance and assessing your application for credit.  The purposes for which we collect, hold, use and disclose personal information  We collect, hold, use and disclose personal information about customers or applicants in order to: ● Assess a customer’s suitability for a loan or financial product. ● If approved, to provide finance to customers through our network of lenders. ● Send customers marketing about other products and services that we think may be of interest to them. ● Respond to inquiries and complaints. We also collect, hold, use, and disclose personal information about: ● Our customers seeking finance for any worthwhile asset finance product for business or personal use. ● Our customers seeking finance for any unsecured personal loans. ● Individuals or brokers who we provide aggregation services to or brokers operating under our license to manage our relationship with those persons, including to determine remuneration payable to such parties.  How personal information is collected, used, and disclosed If you are a customer seeking a loan or insurance, we will collect personal information about you directly from you or from our brokers or Credit Representatives. We may also collect personal information about you from other persons, organisations and public sources as set out below. We may use and disclose your personal information to, and collect personal information about you from: ● Any business which provides information about consumers or commercial creditworthiness of persons. ● A credit report obtained from a Credit Reporting Body. Information about your creditworthiness, credit standing, credit history or credit capacity, the status of your finances and any default by you in accordance with the Privacy Act. ● Any sources disclosed in your application for finance such as employers, past and present landlords etc. ● Service providers that assist in the processing of applications. ● Any joint applicants, co-applicants, guarantors or proposed joint applicants, coapplicants, guarantors in relation to an application for finance. ● Referrers, credit providers, insurance product providers. ● Our agents, contractors and external advisers. ● Government authorities (e.g., tax authorities in Australia and overseas) in connection with their lawful information requests or to meet legal obligations in any relevant jurisdiction. ● Our related bodies corporate (together referred to as "our Related Companies") and we may use this personal information for product development and research and to inform you about products and services in the future (see the section on Marketing below for more information). ● Issuers of identification documents via the use of third-party systems. ● Intermediaries, including your agent, adviser, a dealer, a broker, a representative acting on your behalf, other Australian Financial Services Licensee or our authorised representatives, advisers and our agents. ● Mortgage insurers to assess the risk of providing mortgage insurance or to assess the risk of default. ● Accounting or finance specialists. ● Our external dispute resolution service. ● Legal and other professional advisers. ● Debt collection agencies, your guarantors, organisations involved in valuing, surveying or registering a security property, or which otherwise have an interest in such property, purchasers of debt portfolios. We may also disclose your personal information in connection with funding financial accommodation by means of an arrangement involving securitisation, or any other proposed transfer of or proposed dealing with your loan. We may collect and handle information that is in the public domain, such as from online forums, websites, Facebook, Twitter, YouTube, or other social media platforms (for example, if you use social media to make a complaint); or public registers (for example, those kept by the Australian Securities and Investments Commission). Cookies We may use “cookies”. A cookie allows our servers to identify and interact more effectively with you and your device(s). The cookie assists us in maintaining the continuity of your browsing session and remembering your details and preferences when you return. Our systems record a variety of information relating to interactions with our website. This information may include the software versions used, device identifiers (e.g. IP addresses), location data (where available and not disabled by the user), dates, times, file metadata, referring website, data entered and user activity, such as links clicked. We may automatically collect non-personal information about you such as the site from which you linked to our websites. In some cases, third parties may use cookies and other technologies such as those described above. These technologies may be used in connection with activities like surveys, online behavioural advertising, website and usage analytics and email campaign management.  How we hold personal information We use security procedures and modern technology to protect the personal information that we hold. We store your personal information in several ways, including in physical paper files and electronic systems and devices. Much of the information we hold is stored electronically on servers that are in company premises or in secure data centres located in Australia. Access to and use of this information within our Related Companies is appropriately limited to protect from misuse or unlawful disclosure of the information.  How you can access and seek correction of your information You can contact us to request access to the personal information that we hold about you. Subject to the provisions of the Privacy Act and the Australian Privacy Principles, we will generally give you access to your personal information. However, there may be exclusions that apply that permit us to not provide you with access in some circumstances. If access is denied, we will provide you with the reason why unless, having regard to the grounds for refusal, it would be unreasonable for us to do so. Where we do grant access to your information, we may charge you a fee for accessing your personal information. You can also contact us to request that we correct personal information that we hold about you. If we are satisfied that the personal information is inaccurate, incomplete, irrelevant, or misleading then we will take reasonable steps to correct that information. Any request to access or correct personal information should be made to our Privacy Officer using the contact details set out below and will be dealt with in accordance with the Privacy Act.  Disclosing your information overseas Some of the parties with which we exchange your personal information, including our service providers and other third parties, may be located outside Australia including India, Singapore, the United States of America, the Philippines, Fiji, and South Africa. We may also need to send your information overseas to process transactions you have instructed us to make, such as international money transfers. The countries to which we disclose your information will depend on the transaction details.  Marketing We may use and disclose your personal information to inform you about other products and services we think may be of interest to you in the future. We respect your right to ask us not to use your information for direct marketing and we will not send you information about products and services if you so request by contacting us using the contact details set out below. Changes to this Privacy Policy We are constantly developing and enhancing our use of online technologies and make reasonable efforts to ensure we keep this Privacy Policy and related documents up to date in this regard. Please check back when you return to use our website or online services to ensure you are familiar with our current practices. We reserve the right to change this Privacy Policy at any time and, should this occur, the amendment will be posted on our website. Contact Us If you have any questions regarding our privacy policy or handling of information, please contact our Privacy Officer using the details below: Addressee: The Privacy OfficerPhone: 1800 861 004 Address: Level 3, 12 Waterloo Road, Macquarie Park NSW 2113, Australia Email: privacy@vikingaggregation.com.au COMPLAINTS HANDLING POLICY 3. Complaints Handling Policy Insert the below off a link titled “Complaints and Compliments”. Please use exact text below, do not update entity or contact details.  Internal Dispute Resolution (IDR) Process This policy provides information about our internal dispute resolution (IDR) process. Our IDR service is provided to you free of charge. NATIONAL FINANCE CONNECTIONS PTY LTD | ACN 661 296 457 | Australian credit licence 543046 (we/us/our) believes that it is essential for us to have the ability, authority and proper training to hear and respond appropriately to any complaints or disputes raised by our customers.  How you may lodge a complaint or make a compliment You can lodge complaints or make compliments by contacting: Complaints Officer National Finance Connections Pty Ltd Suite 3.01, Level 3, 12 Waterloo Road Macquarie Park NSW 2113 T: 1800 861 004 E: complimentsandcomplaints@vikingaggregation.com.au You may also lodge a complaint by speaking to any representative of our business who will refer you to the Complaints Officer. You should explain the details of your complaint as clearly as you can. You may do this verbally or in writing. To assist complainants who might need additional assistance to lodge a complaint, we: • offer multiple methods for lodging complaints, including phone, email, letter, social media, in person, or online; • do not require complaints to be in writing; • ensure that information provided to the public about our IDR process, including this policy, is available in a range of languages and formats (including large print and audiotape) • provide training to all staff (not just complaints management staff) to enable staff to be able to identify, support and assist complainants who need additional assistance, including cross-cultural training; and • allow representatives to lodge complaints on behalf of complainants, including financial counsellors, legal representatives, family members and friends. Dealing with complaints Our process for dealing with complaints is as follows: Acknowledgement: We will acknowledge receipt of your complaint promptly – that is, within one business day of receiving it, or as soon as practicable. Assessment and investigation: We will review your complaint carefully and promptly, taking such steps and reviewing such documents as reasonably necessary. IDR response: We will provide an ‘IDR response’, which is a written communication that sets out the final outcome of your complaint through our IDR process and your right to take your complaint to AFCA if you are not satisfied with the IDR response. If we reject or partially reject your complaint, we will clearly set out the reasons for our decision. Response timeframes Generally, we will provide an IDR response to you no later than 30 calendar days after receiving the complaint. However, for some specific types of credit-related complaints, the following response timeframes apply. • Credit-related complaints involving default notices: No later than 21 calendar days after receiving the complaint; • Credit-related complaints involving hardship notices or requests to postpone enforcement proceedings: No later than 21 calendar days after receiving the complaint. Exceptions apply • if we do not have sufficient information to make a decision, or if we reach an agreement with you. We do not need to provide an IDR response to you if we close your complaint by the end of the fifth business day after receipt because we have: a) resolved the complaint to your satisfaction; or b) given you an explanation and/or apology we can take no further action to reasonably address your complaint. However, we must provide a written IDR response for complaints closed by the end of the fifth business day after receipt if: a) the complainant requests a written response; or b) the complaint is about hardship. Our external dispute resolution scheme – AFCA If we do not reach agreement on your complaint, you may refer your complaint to the Australian Financial Complaints Authority (AFCA). You can contact the AFCA scheme: • by phone on 1800 931 678; • by email at info@afca.org.au; or info@vikingaggregation.com.au www.vikingaggregation.com.au • in writing to GPO Box 3, Melbourne VIC 3001. The AFCA scheme is a free service established to provide you with an independent mechanism to resolve specific complaints.