The types of credit-related personal information (“credit-related information”) we collect may include:
- permitted identification information such as names, date of birth, sex, 3 most recent addresses, employer and driver's licence number;
- the fact that any consumer or commercial credit has been applied for and the amount and type of credit;
- details of your current and previous credit providers;
- credit limits and certain terms and conditions relating to credit arrangements;
- start/end dates of particular credit arrangements;
- records of previous requests made by credit providers to credit reporting bodies for information about you in connection with consumer or commercial credit applications, guarantees and securitisation arrangements;
- repayment history;
- financial hardship information, which is information that we or another credit provider has agreed to enter into a financial hardship arrangement with you;
- default information (in addition to and without limiting repayment history information), i.e. payments overdue for more than 60 days in specified circumstances;
- in relation to those overdue payments, advice about new payment arrangements or that those payments are no longer overdue;
- information about adverse court judgments, personal insolvency records and publicly-available information related to your credit worthiness;
- in specified circumstances that, in the opinion of Macquarie or another credit provider, there has been a serious credit infringement (e.g. fraud);
- information derived by credit reporting bodies from the above information (e.g. credit scores, ratings and assessments); and
- information we derive from the above information (e.g. our own credit scores, ratings and assessments).
This information may include information about your arrangements with other credit providers as well as with us.
We keep credit-related information in physical and electronic records, both at our own premises and with the assistance of our service providers.
We collect this information from you, your account activity and from third parties including public sources, our related companies, referrers, brokers, agents, your adviser(s) and our service providers including credit reporting bodies and information service providers.