Terms of Use
We’, ‘us’ and ‘our’ refer to R D & Sons Finance Pty Ltd ABN 92647172807. This website is owned and operated by R D & Sons Finance Pty Ltd ABN 92647172807
Acceptance
By using our website, you confirm that you accept these terms of use and agree to be bound by them.
Our Website
You must use our website in accordance with these Terms of use, only for lawful purposes and only in a way which does not infringe the rights of anyone or restrict or inhibit anyone’s use of our website. You understand and agree that your use of our website is provided “as is” and “as available”. We do not represent or warrant that the operation of our website will be secure, confidential, uninterrupted, error-free, accurate, complete or current.
We update and carry out maintenance on our website regularly, so we may have to suspend access, service or functionality on our website from time to time, without notice. We will not be liable if, for any reason, our website is not available at any time or for any period of time. Our website may contain links to third party sites, information and resources (third party links) and information provided by third parties (third party content). We are not responsible for the third party links or third party content, and can not guarantee that any third party links or third party content will be uninterrupted, error-free, accurate, complete or current.
Any links to Third party content does not represent our endorsement of such third party content. We have no control over the third party content, and will not be liable for any loss or damage you suffer or incur when you access or use any Third party links or Third party content.
Disclaimer
The information provided on this website is for general education purposes only and is not intended to constitute specialist or personal advice. This website has been prepared without taking into account your objectives, financial situation or needs. Because of this, you should consider the appropriateness of the information contained in this website in relation to your own situation and needs before taking any action.
Content and general information contained in this website should not be relied upon for the purposes of entering into any legal or financial commitments. Specific credit advice should be obtained from a suitably qualified credit professional before making any financial decision. A qualified R D & Sons Finance credit representative will provide you with credit advice and assistance based on your individual requirements, circumstances and objectives. Note the loan with the lowest current interest rate is not necessarily the most suitable for your circumstances, you may not qualify for that particular product.
The promotional information contained in this website is for illustration purposes only and is subject to change. Statements, calculations, plans, figures, images and representations are indicative only. Images may include artist impressions and computer generated images. Changes to current projects may be made during the further planning or development stages of any development. Whilst all reasonable care has been taken in providing this information we accept no responsibility for the accuracy of any information contained herein or for any action taken in reliance thereon by any party whether purchaser potential purchaser or otherwise.
Prospective purchasers should make their own inquiries to satisfy themselves as to all aspects of any R D & Sons Finance project and should seek independent legal and financial advice in relation to any purchase acquisition. The information contained in this website is a guide only and does not constitute an offer, inducement, representation, warranty or contract
Content
We own, or are the licensee of, the intellectual property rights in the content of our website, including text, photos, graphic designs and images. You retain all the rights in and to the content that you submit or post on or through our website.
By submitting and posting your content on our website: (a) you give us a perpetual, irrevocable, worldwide, royalty-free and non-exclusive licence to reproduce, publish, display and distribute your content; (b) you consent to us disclosing your content and personal information with our suppliers; and (c) you consent to us and our suppliers using your personal information to send you information about products and services that we feel may be of interest to you.
You can unsubscribe from receiving this information at any time by emailing us. Our use of your personal information will be governed in accordance with our privacy policy.
Cookies
We use ‘cookies’ to provide you with better and more customised service and with a more effective website. A ‘cookie’ is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your internet browser.
We use cookies for different purposes such as: (a) to allocate a unique number to your internet browsers; (b) to customise our website for you; (c) for statistical purposes; (d) to identify if you have accessed a third party Website; and (e) for security purposes.
When you view our advertisements on a third party website, the advertising company uses ‘cookies’ and in some cases ‘web beacons’ to collect information such as: (a) the server your computer is logged onto; (b) your browser type; (c) the date and time of your visit; and (d) the performance of their marketing efforts. When you access our website after viewing one of our advertisement on a third party website, the advertising company collects information on how you utilise the our website (eg which pages you view) and whether you complete an online application.
IP addresses
Your IP address is the identifier for your computer when you are using the internet. It may be necessary for us to collect your IP address for your interaction with various parts of our website.
Security of information
The security of your information is very important to us. Unfortunately, no data transmission over the internet can be guaranteed as totally secure. We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorised access, modification or disclosure. If we no longer require your information, and we are legally permitted to, we will take all reasonable steps to destroy the information. We take reasonable steps to preserve the security of cookie and personal information in accordance with this policy. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted).
Forms
When you make an online enquiry with us via our website, we retain the information contained in the form submission. We may utilise the information sent to us to provide any credit assistance, service or support sought.
Payment fees
We reserve the right to charge a merchant service fee or a failed payment fee for transactions processed via the payment service. Where applicable payment service fee will be disclosed to you in writing prior to your transaction paym
Payment security
The protection and security of information that you provide on this website is very important and strict industry standards are applied at all times. Payment information that you enter when using this site is processed and stored in accordance with the Payment Card Industry Data Security Standard (PCI-DSS).
This Standard has been developed by the PCI Security Standards Council which is an open global forum responsible for the ongoing development, enhancement, storage, dissemination and implementation of security standards for account data protection. The information that you provide is protected through the use of Transport Layer Security (TLS) 256-bit encryption.
You will notice that the URL in your browser is “HTTPS” instead of “HTTP”. Your browser may also display a lock symbol beside the address bar to indicate that the data transmitted through the website is secure. The storage of payment information on the host server used by this website is protected by a range of network and host based security systems.
Refund policy
All payments once made via our payment service are non-refundable unless notified in writing to you. It is your responsibility to ensure that the cardholder payment details and the payment amount is correct before processing your payment.
Currency & taxes
All payments made using the service are processed in Australian dollars (AUD) and include ten percent goods and services tax (GST).
Liability
Except where we are unable to exclude our liability by law, we will not be liable to you for any loss or damage, however it arises, whether in contract, statute of tort (including negligence), arising out of, or in connection with, your use of (including inability to use) our website including payment services. We exclude liability for any loss of profit, loss or corruption of data, special, exemplary, punitive, incidental, indirect or consequential loss or damages suffered or incurred or arising in connection with our website, any services we have provided, or in connection with any act or omission by us (negligent or otherwise).
General terms
We reserve the right to change any or all of these terms and conditions, and/or add new terms and conditions at any time. When we do so, we will make a new copy of these terms of use available on our website. Your continued use of our website will be deemed to constitute your acceptance of such changes.
If any part of these terms of use are void, unenforceable or illegal, they will be severed and the remainder of these terms of use will continue to have full force and effect. Notices required to be given under these terms of use may be sent by email, by post or in the case of notices we give you, by making the information available on our website. There is no relationship of employment, partnership, agency or fiduciaries between you and us. These terms of use are governed by and construed under the laws of Victoria.
We understand how important it is to protect your personal information. This document sets out our privacy policy commitment in respect of personal information we hold about you and what we do with that information. We recognise that any personal information we collect about you will only be used for the purposes we have collected it for or as allowed under the law. It is important to us that you are confident that any personal information we hold about you will be treated in a way which ensures protection of your personal information. Our commitment in respect of personal information is to abide by the Australian Privacy Principles for the protection of personal information, as set out in the Privacy Act and any other relevant law.
Personal information
When we refer to personal information we mean information from which your identity is reasonably apparent. This information may include information or an opinion about you. The personal information we hold about you may also include credit information. Credit information is information which is used to assess your eligibility to be provided with finance and may include any finance that you have outstanding, your repayment history and any defaults. Usually, credit information is exchanged between credit and finance providers and credit reporting bodies. The kinds of personal information we may collect about you include your name, date of birth, address, account details, occupation, and any other information we made need to identify you. If you are applying for finance we may also collect the ages and number of your dependants and cohabitants, the length of time at your current address, your employment details and proof of earnings and expenses. If you apply for any insurance product through us we may also collect your health information. We will only collect health information from you with your consent.
Why we collect your personal information
We collect personal information for the purposes of assessing your application. We may also collect your personal information for the purposes of direct marketing and managing our relationship with you. From time to time we may offer you other products and services.
How do we collect your personal information?
Where reasonable and practical we will collect your personal information directly from you. We may also collect and record information when we interact with you in person or over the phone. We may also collect your personal information from credit reporting bodies and from finance brokers and other people such as accountants and lawyers.
Do we disclose your personal information?
We may disclose your personal information:
Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:
(a) the person or organisation has a commitment to protecting your personal information at least equal to our commitment, or
(b) you have consented to us making the disclosure.
We may use cloud storage to store the personal information we hold about you. The cloud storage and the IT servers may be located in outside Australia.
Credit information
We may collect the following kinds of credit information and exchange this information with credit reporting bodies and other entities:
We exchange this credit information for the purposes of assessing your application for finance and managing that finance. This credit information may be held by us in electronic form on our secure servers and may also be held in paper form. We may use cloud storage to store the credit information we hold about you. When we obtain credit information from a credit reporting body about you, we may also seek publicly available information and information about any serious credit infringement that you may have committed. We do not disclose personal information overseas
Notifiable matters
The law requires us to advise you of ‘notifiable matters’ in relation to how we may use your credit information. You may request to have these notifiable matters (and this privacy policy) provided to you in an alternative form. We exchange your credit information with credit reporting bodies. We use the credit information that we exchange with the credit reporting body to assess your creditworthiness, assess your application for finance and managing your finance. If you fail to meet your payment obligations in relation to any finance that we have provided or arranged or you have committed a serious credit infringement then we may disclose this information to a credit reporting body.
You have the right to request access to the credit information that we hold about you and make a request for us to correct that credit information if needed. Please see the heading Access and correction to your personal and credit information, below. Sometimes your credit information will be used by credit reporting bodies for the purposes of ‘pre-screening’ credit offers on the request of other credit providers. You can contact the credit reporting body at any time to request that your credit information is not used in this way.
You may contact the credit reporting body to advise them that you believe that you may have been a victim of fraud. For a period of 21 days after the credit reporting body receives your notification the credit reporting body must not use or disclose that credit information. You can contact any of the following credit reporting bodies for more information:
www.equifax.com.au
www.illion.com.au
www.experian.com.au
Direct marketing
From time to time we may use your personal information to provide you with current information about finance, offers you may find of interest, changes to our organisation, or new products or services being offered by us or any company with whom we are associated. If you do not wish to receive marketing information, you may at any time decline to receive such information by telephoning us on 1300 689 065 if the direct marketing is by email you may also use the unsubscribe function. We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity.
Access and correction to your personal and credit information
We will provide you with access to the personal and credit information we hold about you. You may request access to any of the personal information we hold about you at any time. We may charge a fee for our costs of retrieving and supplying the information to you. Depending on the type of request that you make we may respond to your request immediately, otherwise we usually respond to you within seven days of receiving your request. We may need to contact other entities to properly investigate your request. There may be situations where we are not required to provide you with access to your personal or credit information, for example, if the information relates to existing or anticipated legal proceedings, or if your request is vexatious. An explanation will be provided to you, if we deny you access to the personal or credit information we hold about you.
If any of the personal or credit information we hold about you is incorrect, inaccurate or out of date you may request that we correct the information. If appropriate we will correct the personal information at the time of the request, otherwise, we will provide an initial response to you within seven days of receiving your request. Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the personal or credit information within 30 days. We may need to consult with other finance providers or credit reporting bodies or entities as part of our investigation. If we refuse to correct personal or credit information we will provide you with our reasons for not correcting the information.
Using government identifiers
If we collect government identifiers, such as your tax file number, we do not use or disclose this information other than required by law. We will never use a government identifier in order to identify you.
Business without identifying you
In most circumstances it will be necessary for us to identify you in order to successfully do business with you, however, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information, for example, if you make general inquiries about interest rates or current promotional offers.
Sensitive information
We will only collect sensitive information about you with your consent. Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.
How safe and secure is your personal information that we hold?
We will take reasonable steps to protect your personal information by storing it in a secure environment. We may store your personal information in paper and electronic form. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.
Further information
You may request further information about the way we manage your personal or credit information by contacting us.
Change in our privacy policy
We are constantly reviewing all of our policies and attempt to keep up to date with market expectations. Technology is constantly changing, as is the law and market place practices. As a consequence we may change this privacy policy from time to time or as the need arises. You may request this privacy policy in an alternative form.
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