Privacy Consent

Classic Terms and Conditions

Actual credit limit granted will be determined by Card Services based on its assessment of your financial circumstances.

By applying for the Jetstar MasterCard® you confirm that:

  1. you are an Australian resident and are 18 years of age or over;
  2. you earn a minimum taxable income of $30,000pa and have a good credit rating;
  3. this credit card is for personal use;
  4. you agree to the Privacy Consent, Electronic Statements and Notices and Balance Transfer Terms and Conditions below;
  5. you are liable for all debts incurred by an Additional Cardholder;
  6. you authorise your employer/accountant to provide your income details to Card Services or its representatives for the purpose of assessing this application for a Jetstar MasterCard Account;
  7. the information you have given in this application is truthful and complete at the time of submitting this application, including your financial details;
  8. if any of your financial details change, including annual income and regular expenses, you must give us prompt notice of such changes;
  9. at the date of submitting this application you are not aware of any future event or circumstance that will occur, or is likely to occur, that would have a negative impact on your financial position or credit rating; and
  10. if you have applied for a Jetstar Platinum MasterCard and you do not qualify for a Platinum Card, Card Services may instead offer you a Jetstar MasterCard.

Privacy consent

Card Services is a division of Macquarie Bank Limited (ABN 46 008 583 542, Australian Credit Licence 237502) ("Macquarie") is the issuer of your credit card account.

"Macquarie Parties" means Macquarie and each of Macquarie's agents, introducers, dealers, brokers, service providers (as described below), and any other financier who at any time provides or has any interest in the credit (including other entities involved in any securitisation of the credit provided to you).

"Jetstar" means Jetstar Airways Pty Limited ABN 33 069 720 243.

CREDIT-RELATED PRIVACY MATTERS

By ticking below, you agree that Macquarie Parties can where permitted by law exchange your personal information with each other and do any of the following at any time (now or in the future, within or outside of Australia):

1. Consumer and commercial credit information. Seek and use information about you (including from credit reporting bodies ("CRBs")) to: assess an application by you for consumer credit or commercial credit; assessing hardship applications; manage your credit card account and related funding arrangements; review your credit on a periodic basis or in connection with changes (e.g. credit limit) as though assessing a new application; collect overdue payments; and create assessments and ratings of your credit worthiness. This includes the types of information referred to under point 2 below.

2. Exchange information with CRBs for the purposes described above and to allow the CRB to maintain information about your credit worthiness (before, during or after the provision of credit to you). The information may include: permitted identification information; the fact that credit has been applied for and the amount and type of credit; the fact that Macquarie is a current credit provider; credit limit; account start/end dates; repayment history; "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; in specified circumstances that in the opinion of Macquarie there has been a serious credit infringement (e.g. fraud); and other credit-related personal information that is described in Macquarie's Credit Information Policy or can otherwise be disclosed under the Privacy Act (collectively, "credit-related information").

3. Exchange of information with other credit providers, including personal information and credit-related information. The information may be exchanged for any of the following purposes: to assess an application by you for credit or to be a guarantor; to determine or confirm the status of your credit including any defaults; to assess hardship applications; to assess your credit worthiness at any time during or after the life of a credit arrangement; to give or obtain an opinion on you about your credit worthiness; and any other purpose permitted by law.

4. Exchange of information with other parties, including personal information and credit-related information. Those parties may include your guarantors, brokers, originators, financial consultants, accountants, lawyers or other advisers and any credit enhancer, funder, ratings agency or other party acting in connection with funding credit by means of an arrangement involving securitisation.

5. Information collected pursuant to legal requirements. Macquarie is subject to the Anti-Money Laundering and Counter-Terrorism Financing Act 2006, rules and other subordinate instruments (AML/CTF Laws). In making an application for credit you consent to Macquarie collecting and disclosing in connection with AML/CTF Laws any of your personal information they may have. Macquarie may also be required or authorised to collect your personal information under the National Consumer Credit Protection Act and other laws.

GENERAL PRIVACY MATTERS

Macquarie Parties and Jetstar may collect, hold, use and disclose personal information about you to process your application, administer and manage the products and services sought by and provided to you, monitor, audit and evaluate those products and services, model and test data, communicate with you, improve and develop products and services, conduct credit scoring, securitisation, research, risk management and portfolio analysis, provide and administer any related rewards program and deal with any complaints or enquiries.

Macquarie Parties collect personal information through interactions with you and your nominated adviser(s) or broker (including telephone, email or online), as well as from other Macquarie Parties, Jetstar, public sources and third parties including information brokers and service providers. Telephone calls may be recorded for training and verification purposes. Without this information, Macquarie Parties may not be able to process your application or provide you with an appropriate level of service and in some cases you may not be able to access your credit card account.

In some cases, sensitive information may be collected for specific purposes (for example, information regarding your health to enable the assessment of a hardship relief application) and you agree that Macquarie may collect such information for the purpose of assessing or processing such applications and may seek such information from your health providers.

Where you provide Macquarie Parties with personal information about someone else you must first ensure that you have obtained their consent to provide their personal information based on this Privacy Consent (and, where that person is an additional cardholder, the information will be used in connection with the additional card).

Macquarie may exchange your personal information with other related companies, funders, loan managers and related service providers that assist in the processing of your application and the management of your credit, as well as with service providers including those relating to any associate rewards program (including Jetstar) and the types of service providers described in Macquarie's Privacy Policy. Other disclosures usually include to your referees, your past and present employers, next of kin, any person acting on your behalf, (e.g. your financial adviser, solicitor, broker, accountant, executor, administrator, trustee or guardian), account holders and operators (including additional cardholders), rating agencies, insurers, retailers and card scheme organisations, valuers and debt collection agencies. Macquarie may also disclose personal information to regulatory 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. The third parties with whom Macquarie exchanges personal information may operate outside of Australia (this includes locations in India and the Philippines and the countries specified in Macquarie's Privacy Policy). While these third parties will often be subject to confidentiality or privacy obligations, they may not always follow the particular requirements of Australian privacy laws.

Macquarie, Jetstar and its related companies may use your personal information to contact you on an ongoing basis by telephone, electronic messages (like email), online and other means to offer you products or services that may be of interest to you, including offers of banking, financial, advisory, investment, insurance and funds management services, unless you change your marketing preferences by telephoning us as set out below or visiting www.macquarie.com.au/optout-bfs.

Under the Privacy Act, you may request access to and correction of your personal information that an entity holds about you. You may also request a copy of the Macquarie Parties' privacy policies and (where applicable) credit reporting policies which contain further details about their handling of personal information and credit-related information, including how you may access or update that information, how privacy concerns are dealt with, website privacy, which CRBs are used and how you can request copies of information from those CRBs. Macquarie's Privacy Policy and Credit Information Policy can be found via www.macquarie.com.au.

ELECTRONIC STATEMENTS AND NOTICES

If you have consented to receive statements, notices and other information relating to your account on the front of this application form, the following terms apply to you:

  • Macquarie Parties and Jetstar will rely on this consent to communicate with you by email to the email address that you have notified to us; or by making a notice available for you to access on our website. For example, we may send an email to your email address each month to tell you that your statement of your account can be viewed online.
  • By giving this consent, Macquarie Parties are no longer required to send you notices or other documents in paper form for the account.
  • You must ensure that: (a) you check your email regularly for notices and other communication from us; (b) your email address remains current (or otherwise notified to us); and (c) emails from us to your email address are not blocked.
  • Providing you with electronic statements does not alter your obligations under any terms and conditions of the account.
  • You can print and save a copy of any notice or other document provided to you electronically. You are responsible for ensuring that you maintain the appropriate software and hardware, including printer, to access, view, retrieve, print and save a copy of such documents.
  • You can go back to receiving paper notices and other documents by notifying us in writing withdrawing this consent. If you decide to return to paper notices and other documents, you are asking to receive those documents on paper, delivered by post to your nominated street address.

You can contact: Macquarie (Privacy Officer) on 1800 806 310 or privacy@macquarie.com.