Your Privacy Is Important To Us
Motoring Club Finance Ltd trading as RAA Finance [ABN 56 167 246 899] (collectively, “we”, “us”) is committed to protecting the privacy of individuals. RAA Finance abides by the Australian Privacy Principles (“APPs”) under the Privacy Act 1988 (Cth). The APPs regulate the way that certain entities handle personal information.
Privacy of your personal information is important to us and we conduct our business with the highest standards of personal and corporate integrity. We aim to provide the best possible service, whilst ensuring you are aware of how your personal information is used within RAA Finance.
What is Personal Information?
Personal information is information or an opinion about an identified individual, or an individual who is reasonably identifiable: (a) whether the information or opinion is true or not; and (b) whether the information or opinion is recorded in a material form or not.
What personal information do we collect and hold?
We will always be open and honest in our dealings with you and will only collect information about you that we believe is necessary to undertake our legitimate business activities. The main reason we collect and hold your personal information is for the purpose of assessing and application submitted by you for a RAA Finance product or service, providing you with the product or service of your choice and the ongoing administration and management of that product of service.
Generally, the personal information is comprised of your name, gender, address, date of birth and telephone, fax and e-mail contact details. The personal information that we need varies from product to product, further specific details may be required for different types of transactions.
How do we hold your Personal Information?
We may hold your personal information in a number of ways, including;
- On our computer systems and database; This may include storing your data on a third party supplier’s system;
- In hard copies (paper files); and
- As telephone recordings.
We may combine personal information we receive about you with other information we hold about you. This includes information collected for different products and services.
We may hold your personal information as long as we need it for any purpose for which we may use or disclose it, or longer if required by law.
Telephone Call Recording
We may record incoming and/or outgoing telephone calls for training, quality assurance or verification purposes. Where we have recorded a telephone call, we can provide you with a copy of the recording at your request, where it is reasonable to do so.
Why is the information collected and how is it used?
Generally, we collect personal information necessary to validate your identity and to ensure your request or enquiry can be actioned efficiently and effectively. Collection of personal information is necessary to undertake a broad range of transactions offered by the RAA Finance, including:
- to process an application for a product or service;
- to service and administer the product or service;
- to respond to any query sent to us by you;
- to handle complaints and disputes
- to use in accordance with any other purpose which is stated to you at the time of collection or that you otherwise authorise;
- to detect, investigate and prevent fraud;
- to train our employees;
- to satisfy legal requirements.
How do we collect your personal information?
In most cases we only collect information about you directly from you either in person, in writing, email, through our online services and by telephone. However, there are circumstances where this is impractical. In some circumstances, we may also collect your personal information from:
- third parties who you have asked to provide your personal information to us, including your employer;
- our agents and service providers;
- credit reporting bodies
- people who are involved in assisting us in assessing, investigating, processing or settling you loan, including third parties;
- law enforcement, dispute resolution, statutory and regulatory bodies;
- industry databases;
- publicly available sources such as the Internet and telephone directories; and/or
- the general public when it is unsolicited and may be relevant to a particular investigation.
Unless we are required or permitted by law to collect sensitive information about you, we will only do so after obtaining your consent.
RAA Finance may use Google Adwords and Google Analystics to collect visitor information. This allows RAA Finance to [collect information about the traffic on its websites and] advertise online to visitors to our site. One of the primary methods used by Google Analytics is the placement of cookies. Cookies are small information files that an end user's Web browser places on that user's computer when a website is visited.
These cookie do not collect any personally identifiable information or allow RAA Finance to use personally identifiable information with other remarketing lists or cookies.
Visitors can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads using the Ads Preferences Manager or Google Analytics opt-out browser add-on.
What if you don’t want to provide certain personal information?
RAA Finance only collects information that we believe is necessary to undertake a specific transaction or function. Therefore, refusal to supply requested details may delay or prevent us from satisfying your request or loan application.
Disclosure of personal information
Any personal information collected, held or used by RAA Finance is kept strictly confidential and is only accessed by authorised RAA Finance staff, agents, contractors, third parties or service providers in the course of them undertaking their legitimate duties in providing a given product or service and managing our business. Only information necessary for the particular function is shared with the relevant service provider.
Customer information will not be given, rented, sold or traded to any external third party organisation and will only be made available to a third party:
- where RAA Finance has contracted an external service provider to assist in the execution of RAA Finance’s legitimate activities including but not limited to IT service providers, providers of consultancy service and professional advisors;
- Other credit providers for credit reference and status reports, payout figures
- Credit reporting bodies
- Insurers for confirmation of insurance
- Mercantile agencies to conduct enforcement and debt recovery work
- Software/hosted data vendors
- Personal Property Security Register
Disclosing your personal information overseas
RAA Finance may need to disclose your personal information to other companies, service providers including related entities which may be located overseas. Sometimes our suppliers, contractors or agents are based overseas, or otherwise have data storage facilities overseas where your personal information will be stored. We may transfer information about you between countries if required for a relevant purpose described above.
The countries in which these recipients may be located will vary from time to time, but may include United Kingdom, United States and other countries from which entities provide services for RAA Finance.
When disclosing your personal information to overseas recipients, we take all measures that are reasonable in the circumstances to ensure your personal information is treated in accordance with the APPs.
Any information disclosed to an overseas recipient may only be used for the purposes intended.
How we protect your personal information
Reasonable steps are taken by us to protect personal information we hold from misuse, interference, loss, unauthorised access, modification or disclosure.
Contacting RAA Finance about access to and/or correction of your personal information
RAA Finance aims to ensure the personal information it collects, uses and discloses, including the personal information of its customers, is accurate, up to date, complete and relevant. If you would like to access your personal information or feel that the information we currently have on record is inaccurate, irrelevant, out of date of incomplete, please contact us on (08) 8202 8331 or at any RAA Shops. We will need to verify your identity before giving you access. We will normally be able to deal with your request immediately. If the request is complex, we will ask you to complete a Personal Information Access & Disclosure request form.
We will comply with any such request except where the Privacy Act 1988 or Australian Privacy Principles allow us to refuse to do so. There is no fee for making such a request, but we may charge for actually providing you access. We will endeavour to respond to such a request within  days.
Marketing and promotional offers
From time to time RAA Finance may contact you with some direct offers that may be of interest to you. However, RAA Finance honours any request not to receive unsolicited, personally targeted promotional material. If you do not want to receive these offers from us, please call us on (08) 8202 8331, or visit an RAA Shop.
Comments and complaints regarding Privacy
The RAA Finance Privacy Officer has the appropriate knowledge and authority to deal with any privacy matter, and will be able to explain your rights and any referral that may be necessary in order to resolve the matter. Any formal privacy complaint will be dealt with by the Privacy Officer, or if necessary, may be referred to an Internal Dispute Resolution Team, which has the appropriate authority to deal with disputes.
Privacy related comments and complaints may be lodged over the telephone, RAA store or online. Details as follows
Telephone: (08) 8202 8331 9am – 5pm AEST weekdays)
Mail: RAA Privacy Officer
101 Richmond Road
Mile End SA 5031
The matter will be investigated and a response will be provided promptly. Any formal dispute review will be undertaken promptly, and the Internal Committee’s decision will be provided within fifteen (15) working days. Every effort will be made to equitably address privacy concerns.
In the unlikely event that your complaint is unresolved, you are unhappy with the resolution of your complaint or with the way RAA Finance has handled your complaint through the Dispute Resolution Process, you are entitled to contact the Office of the Australian Information Commissioner or Financial Ombudsman which may investigate your complaint further. However, they will only become involved when all internal avenues have been exhausted. Contact details are as follows:
Financial Ombudsman Service Limited
GPO BOX 3
Melbourne VIC 3001
1300 78 08 08
Office of the Australian Information Commissioner
GPO Box 5218
Sydney NSW 2001
1300 363 992
For loan terms and conditions, please download the PDS here.