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<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">      <html xmlns="http://www.w3.org/1999/xhtml" dir="ltr" lang="en" class="no-js">  <head><script type="text/javascript" src="https://web-static.archive.org/_static/js/bundle-playback.js?v=7YQSqjSh" charset="utf-8"></script> <script type="text/javascript" src="https://web-static.archive.org/_static/js/wombat.js?v=txqj7nKC" charset="utf-8"></script> <script>window.RufflePlayer=window.RufflePlayer||{};window.RufflePlayer.config={"autoplay":"on","unmuteOverlay":"hidden"};</script> <script type="text/javascript" src="https://web-static.archive.org/_static/js/ruffle/ruffle.js"></script> <script type="text/javascript"> __wm.init("https://web.archive.org/web"); __wm.wombat("http://www.dollarsdirect.com.au/privacy_policy.html","20130502152441","https://web.archive.org/","web","https://web-static.archive.org/_static/", "1367508281"); </script> <link rel="stylesheet" type="text/css" href="https://web-static.archive.org/_static/css/banner-styles.css?v=p7PEIJWi" /> <link rel="stylesheet" type="text/css" href="https://web-static.archive.org/_static/css/iconochive.css?v=3PDvdIFv" />   <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/> <meta name="msvalidate.01" content="5BE89F20E7007BA46F3A11CB5D8BD74D"/> <meta name="robots" content="noydir"/> <title>Online Loans in Australia at DollarsDirect.com.au</title> <meta content="Default meta description" name="description"/> <meta content="Default meta keywords" name="keywords"/> <meta name="wot-verification" content="297b660ea4654a015ce7"/> <link rel="icon" href="/web/20130502152441im_/http://www.dollarsdirect.com.au/favicon.ico" type="image/x-icon"/> <link rel="shortcut icon" href="/web/20130502152441im_/http://www.dollarsdirect.com.au/favicon.ico" type="image/x-icon"/> <link href="https://web.archive.org/web/20130502152441cs_/http://cf.cdn.dollarsdirect.com.au/stylesheets/frontend.css" media="screen" rel="Stylesheet" type="text/css"/>      </head> <body class="static generic" id="dispatcher"> <script> (function(){ var affiliates_registration = false; var inside_affiliates_iframe = (top !== self); var loc = window.location.pathname; if (affiliates_registration && !inside_affiliates_iframe) { window.location = '/secure/auth/logout/?redirect=' + loc; } }()); </script> <script> var WRInitTime=(new Date()).getTime(); </script> <div class="grid"> <div class="group single alternate"> <div id="branding" class="content generic"> <div class="logo"> <a href="/web/20130502152441/http://www.dollarsdirect.com.au/">DollarsDirect</a> </div> <p class="skipper">1 800 129 307 | <a href="/web/20130502152441/http://www.dollarsdirect.com.au/secure/auth/login" title="Secure Login">Login</a></p> </div> <div class="nav" id="primary_navigation"> <ul> <li class="first"><a href="/web/20130502152441/http://www.dollarsdirect.com.au/" title="Home">Home</a></li><li><a href="/web/20130502152441/http://www.dollarsdirect.com.au/how-it-works.html" title="How It Works">How It Works</a></li><li><a href="/web/20130502152441/http://www.dollarsdirect.com.au/fee-schedule.html" title="Rates & Terms">Rates & Terms</a></li><li><a href="/web/20130502152441/http://www.dollarsdirect.com.au/about-us.html" title="About Us">About Us</a></li><li><a href="/web/20130502152441/http://www.dollarsdirect.com.au/faq.html" title="FAQ">FAQ</a></li><li><a href="/web/20130502152441/http://www.dollarsdirect.com.au/contact-us.html" title="Contact Us">Contact Us</a></li> </ul> </div> </div> <div class="group double primary" id="content"> <div class="content first" id="content_main"> <div class="pp_body"> <h2>DollarsDirect, LLC PRIVACY POLICY</h2> <p>DollarsDirect, LLC is serious about protecting your personal information and privacy. This Privacy Policy describes our approach towards protecting your personal information and other data. In this Privacy Policy references to "we" , "us" and "our" are references to DollarsDirect, LLC while references to "you", and "your" is a reference to you.</p> <dl class="questions"> <dt class="faq_question">THE INFORMATION WE COLLECT</dt> <dd class="faq answer"> <p>Our primary purpose in collecting your personal information and other data is to provide you with our services as a finance broker and, at our discretion, assist you in preparing your application for a loan. The information we obtain from our customers also helps us personalise and continually improve our customers’ experience at this website. You must not give us inaccurate or incorrect information, or omit to provide us with information as we may not be able to provide you with our finance broking services.</p> <p>We collect and/or track the following types of information:</p> <h3>1 Application and Loan Information you provide to us or which we otherwise receive</h3> <p>In applying for our finance broking services you provide us with a range of information. In addition we collect relevant information from other sources. These types of information include:</p> <ul> <li>The personal information you provide to us through our on-line forms, registration forms and surveys including your name, address, occupation, age, gender, your e-mail addresses, and financial information.</li> <li>Information about your transactions with us or others, such as payment history and loan balances, and information you provide when you contact our customer service department.</li> <li>Information we receive from third parties, such as credit bureaus, consumer credit reporting agencies and other lenders, regarding creditworthiness and credit history.</li> <li>Information we receive from third parties, such as lead providers and others.</li> </ul> <h3>2 Website and e-mail related information</h3> <p>We collect the following types of website related information:</p> <ul> <li>Information in relation to your web page "http headers" and home server domain names, IP address, the type of computer you are using, and the type of Web browser you are using.</li> <li>We also collect information, on what pages visitors to our website access. This information can be both user specific or collected in aggregate.</li> <li>We receive and store certain types of information whenever you interact with our website. For example, like many websites, we use “cookies” to obtain certain types of information when your web browser accesses our website and when you login, such as: your name and your email address. Cookies are pieces of information that are transferred to your computer’s hard drive via your web browser. They allow us to provide you with a more convenient and personalised transaction experience by recording information about your preferences.</li> </ul> <p>A web browser is usually set to accept cookies automatically but can be changed to decline them. The "Help" section of the toolbar on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie or how to disable cookies altogether. In most cases, a visitor may refuse a cookie and still fully navigate our website.</p> <p>Please note that the information in our cookies can be requested only by our website. Your browser will not pass these cookies to any other site.</p> <ul> <li>The email addresses of visitors that communicate with us via email.</li> <li>To ensure that we are providing materials of interest to you, we may monitor whether you opened a particular email or have clicked on the images and/or links therein. Our email communications may include HTML-based email messages, which includes an invisible coded sensor that is activated when the email message is opened. This sensor communicates the date and time the message was opened and, more importantly, whether your computer is capable of receiving HTML-based email. You will receive a functioning sensor only if your computer is enabled to accept HTML email.</li> <li>Your telephone calls to us may also be monitored and recorded for quality assurance and training purposes.</li> </ul> </dd> <dt class="faq_question">HOW WE USE THAT INFORMATION AND DISCLOSURE TO THIRD PARTIES</dt> <dd class="faq answer"> <p>We use your personal information and other data provided to us to assess and process your application for a finance broking service and at our discretion provide you with those finance broking services and assist you in obtaining a loan. We also use your personal information and other data to enhance your experience at our website, and (as described in the next section below) to transmit marketing communications. We may also use your personal information and other data for such purposes as processing payments, updating our account records, arranging for your repayments improving our website, conducting statistical analysis and for editorial or feedback purposes for our advertisers.</p> <p>We will also use your personal information to assist credit providers and others to maintain your loan including by arranging for debt collection or other credit enhancement services to be performed. Some of the credit enhancement services we may perform include purchasing your loan from the credit provider in some circumstances (such as where you default) or guaranteeing your liabilities under the loan. If we purchase your loan, we may also use your personal information to on-sell it to other credit providers.</p> <p>When you provide your personal information and other data, you are consenting to sharing it with our affiliated entities, and third parties as further described herein:</p> <ul> <li>Service Providers: We contract with service providers to perform certain functions on our behalf. Examples include database providers who assist in identity verification, credit scoring and credit reporting companies, magazine publishers, retailers, debt collectors, lead providers and direct marketers. Their access is limited only to the personal information and other data needed to perform their functions, and only for the purpose of performing those functions</li> <li>Credit Providers: We provide your personal information and other data to the credit providers you apply to, through us, for the purpose of assessing you for, and at their discretion providing you with a loan.</li> <li>Related Company/Group Transfers: We part of a larger group of related companies and may need to disclose customer personal information to our affiliates from time to time for administrative and compliance purposes, including the group parent company, Cash America International, Inc in the United States.</li> <li>Fraud Prevention: If false or inaccurate information is provided, including in relation to a person's identity and fraud is identified, details about this information, including customer personal information and any other relevant data, will be passed to fraud prevention and law enforcement agencies. Law enforcement and fraud prevention agencies may access and use this information. We and other organisations (including the credit providers) may also access and use this information to prevent fraud and money laundering, for example when: checking details on applications for credit and credit related and other facilities; managing credit and credit related accounts or other facilities; recovering debt; checking details on proposals and claims for all types of insurance; and checking details of job applicants and employees. For further details of the relevant fraud prevention agencies please contact us as described at the end of this Privacy Policy.</li> <li>Other Disclosures: In accordance with our customary practices and those in our industry, we disclose information about your transactions with us and your personal information and other data to credit reporting agencies. If necessary or appropriate in connection with the sale or transfer of the loans or all or part of the business, we disclose relevant personal information and other data to third party purchasers. We also release personal information and other data if it becomes necessary for compliance with law or to protect the rights, property, or safety of our website, our users, or third parties. We reserve the right to release such personal information and other data to law enforcement or other governmental officials as we, in our sole and absolute discretion, deem necessary to comply with the law.</li> <li>With Your Consent: Other than as set out above, you will receive notice when Personal Data about you may be shared with third parties not described above, and you will have an opportunity to choose not to share the Personal Data. Naturally, we will always obtain consent where we are required to by law.</li> </ul> <p>If you have any questions or concerns about the sharing of your Personal Data as described above, please contact us as described at the end of this Privacy Policy. Depending on the nature of your request, you may have the opportunity to opt-out of these sharing practices in limited circumstances. In addition, we reserve the right to use and disclose all information that is not in individually identifiable form as we deem appropriate in our sole discretion.</p> </dd> <dt class="faq_question">MARKETING AND OPT-OUT RIGHTS</dt> <dd class="faq answer"> <p>We allow you to opt-out of our use of your personal information and other date for marketing purposes (either by us or another person) at any time by responding to any of our e-mail communications with “remove” in the subject line, or by sending us an email to support@dollarsdirect.com.au or by visiting your customer account at www.dollarsdirect.com.au and updating your contact preferences. If you opt-out of our use of your personal information for marketing purposes, we will honour such choice once we have had a reasonable opportunity to process your request. We reserve the right to take reasonable steps to authenticate your identity with respect to any such request or other inquiry.</p> </dd> <dt class="faq_question">PROTECTING THE SECURITY OF YOUR PERSONAL INFORMATION</dt> <dd class="faq answer"> <p>We maintain reasonable measures to protect security and confidentiality of your personal information and other data, and strive to keep it accurate, and retain only for as long as is necessary. Some of the specific security measures we maintain include:</p> <ul> <li>We work to protect the security of your Personal Data during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input.</li> <li>We store personal information in a restricted access format.</li> <li>We transmit personal information in an encrypted format.</li> <li>Our networks are secured with certified firewalls in a multi-layered fashion with redundancy.</li> <li>Our network related equipments (e.g., firewalls, routers, switches, etc) are secured with a password, and access is limited to authorized network engineers.</li> <li>We restrict the access of customer service support staff so that extremely sensitive personal information cannot be viewed (e.g. full bank account numbers are not revealed, but only a partial number of digits to allow verification).</li> <li>It is important for you to protect against unauthorised access to your User ID and to your computer. Be sure to sign off when finished using a shared computer.</li> </ul> </dd> <dt class="faq_question">CONTACTING US ON PRIVACY RELATED MATTERS AND OBTAINING ACCESS TO YOUR PERSONAL INFORMATION</dt> <dd class="faq answer"> <p>We believe that you should have the ability to review and update your personal information. We give you access to information about your account and your interactions with us for the purpose of viewing and updating that personal information. Please contact support@dollarsdirect.com.au for access requests and other privacy related queries.</p> <p>Note -- under the law we are not required to provide access in certain circumstances including (non exclusively) where:</p> <ul> <li>providing access would have an unreasonable impact upon the privacy of other individuals; or</li> <li>the request for access is frivolous or vexatious; or</li> <li>the information relates to existing or anticipated legal proceedings between us and you, and the information would not be accessible by the process of discovery in those proceedings; or</li> <li>providing access would be unlawful; or</li> <li>denying access is required or authorised by or under law; or</li> <li>providing access would be likely to prejudice an investigation of possible unlawful activity.</li> </ul> <p>In addition where providing access would reveal "evaluative information" generated by us in connection with our commercial decision-making (such as our or a credit provider's credit scoring arrangements) we do not have to give you direct access to the information.</p> </dd> </dl> </div> <div class="pp_body separator"> <h2>South Pacific Lending, LLC PRIVACY POLICY</h2> <p>South Pacific Lending, LLC (ARBN 136 581 667) (<strong>South Pacific</strong>) complies with Australian privacy laws and is committed to protecting your privacy. This Privacy Policy describes our approach towards your privacy. In this Privacy Policy references to "we" , "us" and "our" are references to South Pacific, while references to "you", and "your" is a reference to you.</p> <dl class="questions"> <dt class="faq_question">WHAT INFORMATION DO WE COLLECT?</dt> <dd class="faq answer"> <p>Our primary purpose in collecting your personal information and other data is to provide you with a loan. The information we obtain from our customers also helps us improve our services. We also collect personal information to enable us to administer and collect repayments on our loans as well as to facilitate our relationships with guarantors, debt collectors, finance brokers, assignees of the loan and other service providers. If you have come to this website through another website (such as the website of a finance broker) we may also obtain personal information from that website. You must always give us accurate and complete information or we will be unable to provide with our loans and other services.</p> <p>These are some of the types of information we collect either directly from you or from others acting with your consent:</p> <ul> <li>Personal information we are provided through our or a finance broker's on-line forms, registration forms and surveys including your name, address, occupation, age, gender, your e-mail addresses and, financial information. </li> <li>Information about your transactions with us or others, such as payment history and loan balances, and information you provide when you contact us either directly or through a finance broker.</li> <li>Information we receive from third parties, including (without limitation) finance brokers (with your permission), credit bureaus, consumer credit reporting agencies and other lenders, regarding creditworthiness and credit history.</li> </ul> </dd> <dt class="faq_question">HOW DO WE USE YOUR INFORMATION AND WHO DO WE DISCLOSE THE INFORMATION TO?</dt> <dd class="faq answer"> <p>We use your personal information and other data provided to us to assess and process your application for a loan and at our discretion provide you with that loan. We also use your personal information and other data to enhance your experience at our website, and (as described in the next section below) to transmit marketing communications. We may also use your personal information and other data for such purposes as processing payments, updating our account records, obtaining repayment from you, assigning the loan, assisting a guarantor to determine their liability under the loan, improving our website, conducting statistical analysis, for editorial or feedback purposes for our advertisers and where you have consented for purchasing and assigning your customer information to other organisations who may provide you with services.</p> <p>When you provide your personal information and other data, you are consenting to sharing it with our affiliated entities, and third parties as further described herein:</p> <ul> <li>Service Providers: We contract with service providers to perform certain functions on our behalf. Examples include lead provider websites through which you may apply for our services, database providers who assist in identity verification, credit scoring and credit reporting companies, magazine publishers, retailers, debt collectors, payment trustees and agents who collect money on our behalf, credit enhancement providers and direct marketers. We may also use service providers for information collection, access and consent management. The access of all service providers is limited only to the personal information and other data needed to perform their functions, and only for the purpose of performing those functions.</li> <li>Finance Brokers: If you apply to us through a finance broker – we may share some of your information with that finance broker for the purpose of assessing you, managing your loan and in some circumstances arranging repayment and debt collection. We may also, in some circumstances, sell your loan to that finance broker or obtain a guarantee of your liabilities from that finance broker. We will share your personal information with that finance broker to facilitate that assignment or guarantee.</li> <li>Fraud Prevention: If false or inaccurate information is provided, including in relation to a person's identity and fraud is identified, details about this information, including customer personal information and any other relevant data, will be passed to fraud prevention and law enforcement agencies. Law enforcement and fraud prevention agencies may access and use this information. We and other organisations (including your finance broker) may also access and use this information to prevent fraud and money laundering, for example when: checking details on applications for credit and credit related and other facilities; managing credit and credit related accounts or other facilities; recovering debt; checking details on proposals and claims for all types of insurance; and checking details of job applicants and employees. For further details of the relevant fraud prevention agencies please contact us as described at the end of this Privacy Policy.</li> <li>Other Disclosures: In accordance with our customary practices and those in our industry, we disclose information about your transactions with us and your personal information and other data to credit reporting agencies. If necessary or appropriate in connection with the sale or transfer of the loans or all or part of the business, we disclose relevant personal information and other data to third party purchasers. We may also release personal information and other data to third party "leads originators" or other credit providers and finance brokers with your consent (which you will provide to the lead provider). We also release personal information and other data if it becomes necessary for compliance with law or to protect the rights, property, or safety of our website, our users, or third parties. We reserve the right to release such personal information and other data to law enforcement or other governmental officials as we, in our sole and absolute discretion, deem necessary to comply with the law.</li> <li>With Your Consent: Other than as set out above, you will receive notice when your personal information may be shared with third parties not described above, and you will have an opportunity to choose not to share the personal information. Naturally, we will always obtain consent where we are required to by law. If you have any questions or concerns about the sharing of your personal information as described above, please contact us as described at the end of this Privacy Policy. Depending on the nature of your request, you may have the opportunity to opt-out of these sharing practices in limited circumstances. In addition, we reserve the right to use and disclose all information that is not in individually identifiable form as we deem appropriate in our sole discretion.</li> </ul> </dd> <dt class="faq_question">HOW DO YOU PROTECT THE SECURITY OF MY PERSONAL INFORMATION?</dt> <dd class="faq answer"> <p>South Pacific maintains reasonable measures to protect security and confidentiality of your personal information and other data, and we strive to keep it accurate. We also retain personal information only for as long as is necessary. Some of the specific security measures we maintain include:</p> <ul> <li>We work to protect the security of your Personal Data during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input.</li> <li>We store personal information in a restricted access format.</li> <li>We transmit personal information in an encrypted format.</li> <li>Our networks are secured with certified firewalls in a multi-layered fashion with redundancy.</li> <li>Our network related equipments (e.g., firewalls, routers, switches, etc) are secured with a password, and access is limited to authorized network engineers.</li> <li>We restrict the access of customer service support staff so that extremely sensitive personal information cannot be viewed (e.g. full bank account numbers are not revealed, but only a partial number of digits to allow verification).</li> <li>It is important for you to protect against unauthorised access to your User ID and to your computer. Be sure to sign off when finished using a shared computer.</li> <li>We do not target our services or the contents of this website to minors under 18 years of age.</li> </ul> </dd> <dt class="faq_question">HOW DO I CONTACT SOUTH PACIFIC ON PRIVACY RELATED MATTERS?</dt> <dd class="faq answer"> <p>Under Australian law you have the ability to review and update your personal information. We give you access to information about your account and your interactions with us for the purpose of viewing and updating that personal information. Please contact support@dollarsdirect.com.au for access requests and other privacy related queries. We note we have currently appointed DollarsDirect to manage personal information access requests and privacy consents.</p> <p>Note – under the law we are not required to provide access in certain circumstances including (non exclusively) where:</p> <ul> <li>providing access would have an unreasonable impact upon the privacy of other individuals; or</li> <li>the request for access is frivolous or vexatious; or</li> <li>the information relates to existing or anticipated legal proceedings between us and you, and the information would not be accessible by the process of discovery in those proceedings; or</li> <li>providing access would be unlawful; or</li> <li>denying access is required or authorised by or under law; or</li> <li>providing access would be likely to prejudice an investigation of possible unlawful activity.</li> </ul> <p>In addition where providing access would reveal "evaluative information" generated by us in connection with our commercial decision-making (such as our or a finance broker's credit scoring arrangements) we do not have to give you direct access to the information.</p> </dd> </dl> </div> <div class="pp_body separator"> <h2>NCP Premier Lending PRIVACY POLICY</h2> <p>NCP Premier Lending, LLC (ARBN 136 714 246) (<strong>NCP</strong>) complies with Australian privacy laws and is committed to protecting your privacy. This Privacy Policy describes our approach towards your privacy. In this Privacy Policy references to "we" , "us" and "our" are references to NCP, while references to "you", and "your" is a reference to you.</p> <dl class="questions"> <dt class="faq_question">WHAT INFORMATION DO WE COLLECT?</dt> <dd class="faq answer"> <p>Our primary purpose in collecting your personal information and other data is to provide you with a loan. The information we obtain from our customers also helps us improve our services. We also collect personal information to enable us to administer and collect repayments on our loans as well as to facilitate our relationships with guarantors, debt collectors, finance brokers, assignees of the loan and other service providers. If you have come to this website through another website (such as the website of a finance broker) we may also obtain personal information from that website. You must always give us accurate and complete information or we will be unable to provide with our loans and other services.</p> <p>These are some of the types of information we collect either directly from you or from others acting with your consent:</p> <ul> <li>Personal information we are provided through our or a finance broker's on-line forms, registration forms and surveys including your name, address, occupation, age, gender, your e-mail addresses and, financial information.</li> <li>Information about your transactions with us or others, such as payment history and loan balances, and information you provide when you contact us either directly or through a finance broker.</li> <li>Information we receive from third parties, including (without limitation) finance brokers (with your permission), credit bureaus, consumer credit reporting agencies and other lenders, regarding creditworthiness and credit history.</li> </ul> </dd> <dt class="faq_question">HOW DO WE USE YOUR INFORMATION AND WHO DO WE DISCLOSE THE INFORMATION TO?</dt> <dd class="faq answer"> <p>We use your personal information and other data provided to us to assess and process your application for a loan and at our discretion provide you with that loan. We also use your personal information and other data to enhance your experience at our website, and (as described in the next section below) to transmit marketing communications. We may also use your personal information and other data for such purposes as processing payments, updating our account records, obtaining repayment from you, assigning the loan, assisting a guarantor to determine their liability under the loan, improving our website, conducting statistical analysis, for editorial or feedback purposes for our advertisers and where you have consented for purchasing and assigning your customer information to other organisations who may provide you with services.</p> <p>When you provide your personal information and other data, you are consenting to sharing it with our affiliated entities, and third parties as further described herein:</p> <ul> <li>Service Providers: We contract with service providers to perform certain functions on our behalf. Examples include lead provider websites through which you may apply for our services, database providers who assist in identity verification, credit scoring and credit reporting companies, magazine publishers, retailers, debt collectors, payment trustees and agents who collect money on our behalf, credit enhancement providers and direct marketers. We may also use service providers for information collection, access and consent management. Their access of all service providers is limited only to the personal information and other data needed to perform their functions, and only for the purpose of performing those functions.</li> <li>Payment Trustees and Agents: We note that any personal information provided to our payment trustee and agent will be used solely for the purposes of organising your direct debit arrangements with us. The personal information is stored by us and requests for access should be made to us directly using the contact details set out below.</li> <li>Finance Brokers: If you apply to us through a finance broker – we may share some of your information with that finance broker for the purpose of assessing you, managing your loan and in some circumstances arranging repayment and debt collection. We may also, in some circumstances, sell your loan to that finance broker or obtain a guarantee of your liabilities from that finance broker. We will share your personal information with that finance broker to facilitate that assignment or guarantee.</li> <li>Fraud Prevention: If false or inaccurate information is provided, including in relation to a person's identity and fraud is identified, details about this information, including customer personal information and any other relevant data, will be passed to fraud prevention and law enforcement agencies. Law enforcement and fraud prevention agencies may access and use this information. We and other organisations (including your finance broker) may also access and use this information to prevent fraud and money laundering, for example when: checking details on applications for credit and credit related and other facilities; managing credit and credit related accounts or other facilities; recovering debt; checking details on proposals and claims for all types of insurance; and checking details of job applicants and employees. For further details of the relevant fraud prevention agencies please contact us as described at the end of this Privacy Policy.</li> <li>Other Disclosures: In accordance with our customary practices and those in our industry, we disclose information about your transactions with us and your personal information and other data to credit reporting agencies. If necessary or appropriate in connection with the sale or transfer of the loans or all or part of the business, we disclose relevant personal information and other data to third party purchasers. We may also release personal information and other data to third party "leads originators" or other credit providers and finance brokers with your consent (which you will provide to the lead provider). We also release personal information and other data if it becomes necessary for compliance with law or to protect the rights, property, or safety of our website, our users, or third parties. We reserve the right to release such personal information and other data to law enforcement or other governmental officials as we, in our sole and absolute discretion, deem necessary to comply with the law.</li> <li>With Your Consent: Other than as set out above, you will receive notice when your personal information may be shared with third parties not described above, and you will have an opportunity to choose not to share the personal information. Naturally, we will always obtain consent where we are required to by law.</li> </ul> <p>If you have any questions or concerns about the sharing of your personal information as described above, please contact us as described at the end of this Privacy Policy. Depending on the nature of your request, you may have the opportunity to opt-out of these sharing practices in limited circumstances. In addition, we reserve the right to use and disclose all information that is not in individually identifiable form as we deem appropriate in our sole discretion.</p> </dd> <dt class="faq_question">HOW DO YOU PROTECT THE SECURITY OF MY PERSONAL INFORMATION?</dt> <dd class="faq answer"> <p>NCP maintains reasonable measures to protect security and confidentiality of your personal information and other data, and we strive to keep it accurate. We also retain personal information only for as long as is necessary. Some of the specific security measures we maintain include:</p> <ul> <li>We work to protect the security of your Personal Data during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input.</li> <li>We store personal information in a restricted access format.</li> <li>We transmit personal information in an encrypted format.</li> <li>Our networks are secured with certified firewalls in a multi-layered fashion with redundancy.</li> <li>Our network related equipments (e.g., firewalls, routers, switches, etc) are secured with a password, and access is limited to authorized network engineers.</li> <li>We restrict the access of customer service support staff so that extremely sensitive personal information cannot be viewed (e.g. full bank account numbers are not revealed, but only a partial number of digits to allow verification).</li> <li>It is important for you to protect against unauthorised access to your User ID and to your computer. Be sure to sign off when finished using a shared computer.</li> <li>We do not target our services or the contents of this website to minors under 18 years of age.</li> </ul> </dd> <dt class="faq_question">HOW DO I CONTACT NCP ON PRIVACY RELATED MATTERS?</dt> <dd class="faq answer"> <p>Under Australian law you have the ability to review and update your personal information. We give you access to information about your account and your interactions with us for the purpose of viewing and updating that personal information. Please contact DollarsDirect.com.au for access requests and other privacy related queries. We note we have currently appointed DollarsDirect to manage personal information access requests and privacy consents.</p> <p>Note – under the law we are not required to provide access in certain circumstances including (non exclusively) where:</p> <ul> <li>providing access would have an unreasonable impact upon the privacy of other individuals; or</li> <li>the request for access is frivolous or vexatious; or</li> <li>the information relates to existing or anticipated legal proceedings between us and you, and the information would not be accessible by the process of discovery in those proceedings; or</li> <li>providing access would be unlawful; or</li> <li>denying access is required or authorised by or under law; or</li> <li>providing access would be likely to prejudice an investigation of possible unlawful activity.</li> </ul> <p>In addition where providing access would reveal "evaluative information" generated by us in connection with our commercial decision-making (such as our or a finance broker's credit scoring arrangements) we do not have to give you direct access to the information.</p> </dd> </dl> </div> <div class="pp_body separator"> <h2>Needmore Services Pty Ltd, LLC PRIVACY POLICY</h2> <p>Needmore Services Pty Ltd (ACN 136 493 788) (<strong>Needmore</strong>) complies with Australian privacy laws and is committed to protecting your privacy. This Privacy Policy describes our approach towards your privacy. In this Privacy Policy references to "we" , "us" and "our" are references to Needmore, while references to "you", and "your" is a reference to you.</p> <dl class="questions"> <dt class="faq_question">WHAT INFORMATION DO WE COLLECT?</dt> <dd class="faq answer"> <p>Our primary purpose in collecting your personal information and other data is to enable us to collect repayments on your loans with lenders who are our related parties, as well as assignees of the loan and other service providers. We may also obtain personal information through another website, such as the website of a finance broker. You must always give us accurate and complete information or we will be unable to provide you with our services.</p> <p>We generally only collect personal information through a finance broker's or lender's on-line forms, registration forms and surveys including your name, address, occupation, age, gender, your e-mail addresses and financial information.</p> </dd> <dt class="faq_question">HOW DO WE USE YOUR INFORMATION AND WHO DO WE DISCLOSE THE INFORMATION TO?</dt> <dd class="faq answer"> <p>We use your personal information and other data provided to us to collect and facilitate repayments and other payments on your loans with lenders (including assignees of lenders in some cases). When you provide your personal information and other data, you are consenting to sharing it with our affiliated entities, and third parties as further described herein:</p> <ul> <li>Service Providers: We may contract with service providers to perform certain functions on our behalf. Examples include banks and payments systems through which we channel our payments and credit enhancement providers.</li> <li>Finance Brokers and Lenders: If you apply for a loan through a finance broker – we may share some of your information with that finance broker for the purpose of arranging repayment. In addition we will share your personal information with lenders with whom you have contracted to enable them to be paid and repaid amounts owed under your loan.</li> <li>Fraud Prevention: If false or inaccurate information is provided, including in relation to a person's identity, and fraud is identified, details about this information, including customer personal information and any other relevant data, will be passed to fraud prevention and law enforcement agencies.</li> </ul> </dd> <dt class="faq_question">HOW DO YOU PROTECT THE SECURITY OF MY PERSONAL INFORMATION?</dt> <dd class="faq answer"> <p>Needmore maintains reasonable measures to protect security and confidentiality of your personal information and other data, and we strive to keep it accurate. We also retain personal information only for as long as is necessary (unless it is legally required to be retained). </dd> <dt class="faq_question">HOW DO I CONTACT NEEDMORE ON PRIVACY RELATED MATTERS?</dt> <dd class="faq answer"> <p>Under Australian law you have the ability to review and update your personal information. We give you access to information about your account and your interactions with us for the purpose of viewing and updating that personal information except where such access is not permitted by law or where we are permitted by law not to provide access. Please contact support@dollarsdirect.com.au for access requests and other privacy related queries.</p> </dd> </dl> </div> </div> <div class="content last" id="content_sub"> <form action="https://web.archive.org/web/20130502152441/https://www.dollarsdirect.com.au/registration-step1.html" class="valid" id="quick_application" method="post" name="short_form" novalidate="novalidate"> <fieldset class="applicant_information"> <h2><span>Loan Application</span></h2> <p class="firstname"><label for="short_form_first_name">First Name<span class="separator">:</span></label><input class="required" id="short_form_first_name" name="short_form[first_name]" size="17" tabindex="400" type="text"/></p> <p class="lastname"><label for="short_form_last_name">Surname<span class="separator">:</span></label><input class="required" id="short_form_last_name" name="short_form[last_name]" size="17" tabindex="401" type="text"/></p> <p class="email"><label for="short_form_email">Email<span class="separator">:</span></label><input class="required email_address" id="short_form_email" name="short_form[email]" size="17" tabindex="402" type="text"/></p> <p class="amount"><label for="short_form_amount">Cash Requested<span class="separator">:</span></label> <select class="required" id="short_form_amount" name="short_form[amount]" tabindex="404"><option value=""></option> <option value="750">750</option> <option value="700">700</option> <option value="650">650</option> <option value="600">600</option> <option value="550">550</option> <option value="500">500</option> <option value="450">450</option> <option value="400">400</option> <option value="350">350</option> <option value="300">300</option> <option value="250">250</option> <option value="200">200</option> <option value="150">150</option></select> </p> </fieldset> <fieldset class="actions"> <span class="submit_once" tabindex="405"><input class="button submit submit_once" id="quick_application_apply_now_submit" name="commit" type="submit" value="Apply Now"/></span> <a href="https://web.archive.org/web/20130502152441/https://seal.verisign.com/splash?form_file=fdf/splash.fdf&dn=WWW.DOLLARSDIRECT.COM.AU&lang=en" class="cert verisign" tabindex="99" target="_blank" title="Click to Verify - This site has chosen a VeriSign SSL Certificate to improve Web site security">Click to Verify - This site has chosen a VeriSign SSL Certificate to improve Web site security</a> </fieldset> </form> <span class="promo" id="lpButtonDiv"><a href="https://web.archive.org/web/20130502152441/https://sales.liveperson.net/hc/69445590/?cmd=file&file=visitorWantsToChat&site=69445590&byhref=1&SESSIONVAR!skill=dollarsdirect-service-english" class="online" onclick="window.open(this.href,'new_window','width=450,height=400');return false;" rel="nofollow" title="Chat live now!"><img alt="Chat live now about a bad credit loan with DollarsDirect" src="https://web.archive.org/web/20130502152441im_/http://cf.cdn.dollarsdirect.com.au/images/livechat.gif"/></a></span> <div class="promo" id="fpo"> <a href="/web/20130502152441/http://www.dollarsdirect.com.au/refer_a_friend.html" title="Refer-a-Friend">Get credit for every friend you refer.</a> </div> <div class="promo" id="preferred"> <a href="/web/20130502152441/http://www.dollarsdirect.com.au/preferred_member.html" title="Preferred Member Program">Become a preferred member.</a> </div> <div class="promo" id="financial_tips_promo"> <a href="/web/20130502152441/http://www.dollarsdirect.com.au/financial-tips.html" title="Financial Tips">Financial tips text</a> </div> <div class="certifications"> <ul> <li class="seal mcafee"> <a href="https://web.archive.org/web/20130502152441/https://www.mcafeesecure.com/RatingVerify?ref=www.dollarsdirect.com.au" target="ONE_SINGLE_new_web_browser"><img alt="Your information is safe from identity theft, viruses, spyware, and other online threats." src="https://web.archive.org/web/20130502152441im_/https://images.scanalert.com/meter/www.dollarsdirect.com.au/32.gif"/></a>  </li> <li class="cosl"><a href="https://web.archive.org/web/20130502152441/http://www.creditombudsman.com.au/" class="cert cosl" target="ONE_SINGLE_new_web_browser">Credit Ombudsman Service</a></li> <li class="nfsf"><a href="https://web.archive.org/web/20130502152441/http://www.nfsf.org.au/" class="cert nfsf" target="ONE_SINGLE_new_web_browser">National Financial Services Federation</a></li> </ul> </div> </div> </div> <div id="login"> <div id="login_container"> <form action="https://web.archive.org/web/20130502152441/https://www.dollarsdirect.com.au/secure/auth/login" class="valid login" id="login_form" method="post" name="login" novalidate="novalidate"> <fieldset class="authentication_information"> <h4>Customer Login</h4> <p class="user dynamic_label"> <label for="user_login">Email<span class="separator">:</span></label> <input autocapitalize="off" autocorrect="off" class="required email_address" id="user_login" name="user[login]" size="17" tabindex="300" type="email"/> <a href="/web/20130502152441/http://www.dollarsdirect.com.au/secure/auth/forgot_email" target="_self">Forgot Email?</a> </p> <p class="pass dynamic_label"> <label for="user_password">Password<span class="separator">:</span></label> <input class="required" id="user_password" name="user[password]" size="17" tabindex="301" type="password"/> <a href="/web/20130502152441/http://www.dollarsdirect.com.au/forgot_password.html" target="_self">Forgot Password?</a> </p> </fieldset> <fieldset class="actions"> <input class="button submit" name="commit" tabindex="302" type="submit" value="Log in"/> </fieldset> <p class="secure"> <a href="/web/20130502152441/http://www.dollarsdirect.com.au/privacy-policy.html">Privacy Policy</a> <span class="separator">|</span> <span class="alternate_language"> </span> <span class="security_measures">Secure Login</span> </p> </form> </div> </div> <div class="group single"> <div class="nav" id="secondary_navigation"> <ul> <li class="tel">1 800 060 892</li> <li><a href="/web/20130502152441/http://www.dollarsdirect.com.au/privacy_policy.html" class="selected" title="Privacy Policy">Privacy Policy</a></li><li><a href="/web/20130502152441/http://www.dollarsdirect.com.au/advertising.html" title="Become an affiliate">Become an affiliate</a></li><li><a href="/web/20130502152441/http://www.dollarsdirect.com.au/financial-tips.html" title="Financial Tips">Financial Tips</a></li> </ul> </div> <div id="disclaimers" class="disclaimer"> <p>†Approval and maximum funded loan amount depends on lender’s qualification criteria. New customers may qualify for up to $600, while existing customers may qualify for up to $2000. ‡Funds are generally deposited next business day if approved by 6pm Sydney time Monday – Friday. Funds are generally deposited on Monday if you apply on Saturday or Sunday and are approved before 2:30pm Sydney time on Monday. Same-day funding is only available to Premium Service customers who borrow over $400 and pay a higher establishment fee. ¶DollarsDirect will attempt to find you a lender despite your credit history. Loan approval is at the discretion of the lender. If you have defaulted on past transactions, you may be declined for a loan. DollarsDirect is not a lender. We are a finance broker that attempts to find you a loan. Terms and Conditions apply.</p> </div> <div class="cnu-business-address" id="footer-business-address"> <div class="adr"> <div class="street-address">16 - 18 Grosvenor Street</div> <span class="locality">Sydney</span>, <span class="region">NSW</span> <span class="postal-code">2000</span> </div> </div> </div> </div> <script type="text/javascript"> //<![CDATA[ var CNU = {}; CNU.config = {}; CNU.config.server_timestamp = 1367508281; CNU.config.cluster = 'AU'; CNU.config.brand = 'AU'; CNU.config.country = 'AU'; CNU.config.language = 'en'; CNU.config.spinner_img = '<img alt="loading..." class="loading-spinner" src="https://web.archive.org/web/20130502152441/http://cf.cdn.dollarsdirect.com.au/images/spin.gif" />'; CNU.config.is_mobile = false; CNU.config.DEBUG = false; CNU.config.DEBUG_ASSISTANT = false; CNU.config.VALIDATE = true; CNU.config.VALIDATE_FORMS = true; CNU.config.x_validations = {}; CNU.config.regex = {}; CNU.config.regex.email_address = /^[A-Z0-9._%+\-]+@[A-Z0-9.\-]+\.[A-Z]{2,4}$/i; CNU.config.CLICK_TALE_ENABLED = true; CNU.config.FUNDING_CUTOFF_TIMES = []; CNU.config.APP_FUNDING_CLOCK_ENABLED = false; CNU.config.SEO_FUNDING_CLOCK_ENABLED = true; CNU.config.SHOW_DISCLAIMERS_BY_DEFAULT = false; CNU.config.calendar_selector = "input.calendar:not(#customer___person___birth_date)"; //]]> </script><script src="//web.archive.org/web/20130502152441js_/http://ajax.googleapis.com/ajax/libs/jquery/1.4.3/jquery.min.js" type="text/javascript"></script> <script src="//web.archive.org/web/20130502152441js_/http://ajax.googleapis.com/ajax/libs/jqueryui/1.8.2/jquery-ui.min.js" type="text/javascript"></script> <script src="https://web.archive.org/web/20130502152441js_/http://cf.cdn.dollarsdirect.com.au/javascripts/cnu.js" type="text/javascript"></script><script type="text/javascript"> //<![CDATA[ CNU.ev.addLoadEvent(function() { CNU.faq.init(); if (CNU.ev.prepend_event) { CNU.ev.prepend_event("login_form", "onsubmit", function () { return CNU.ev.add_click_tale_event("login_form_onsubmit"); }); } }); //]]> </script> <div class="trackers" style="display:none;"> <script> var _gaq = _gaq || []; _gaq.push(['_setAccount', 'UA-335449-5' ]); _gaq.push(['_trackPageview']); _gaq.push(['_trackPageLoadTime']); (function() { var ga = document.createElement('script'); ga.type = 'text/javascript'; ga.async = true; ga.src = ('https:' == document.location.protocol ? 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