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Quickle’s Terms and Conditions, Disclosures and Authorisations

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Collection of Information

We only collect personal information and data that is essential for us to provide you with our services. For us to ensure that we can offer you the full range of services, it is important that the information that you provide us with is correct, complete and accurate. The information that we collect and/or track and/or store is as follows:
Information provided by you through our forms or other methods including:
o Name
o Address
o Occupation
o Age
o Gender
o Contact information
o Bank/Financial Institution Details
o Income, Expenditure Details and other Financial Information.
o Information provided by you when you contact our offices.
o We may record telephone conversations you have with us however if you do not want your call recorded you can simply advise the Quickle Staff member.
o We will store a copy of any email that you send us if we are required to under the law.
o Information that we receive from third parties. These include:
– Credit bureaus
Consumer Credit reporting agencies
– We may contact other lenders is we deem it necessary to assess your ability to service a loan.
– Direct Debit Administrator Company
– Lead Generation Companies
– Information regarding your internal payment and transaction history with Quickle
– IT Related Information:
– IP Address
– Home Server Domain Names
– Web Browser
– We use Cookies to monitor the traffic on our site

How we use the information.

Your personal information and data is used primarily for us to assess your financial situation and if applicable refer you to a lender or service provider who may be able to assist you with a finance solution. This may mean we will pass all of your application details (including information regarding your income and expenditure as well as supporting documentation being a bank statement)
Currently the lenders and serivce providers that we work with are:
• Cigno Australia Pty Ltd
• BHF Solutions Pty Ltd
• BSF Solutions Pty Ltd
Other than this, we may use your personal information for the following purposes:
• To enhance our services in order to provide you with a better experience.
• To communicate with you.
• Updating our internal records

Privacy Disclosure Statement and Consent

By the provision by you of your personal information, you are consenting for us to share it with third parties for the following reasons:

1. Fraud:

If we find that false or misleading information has been provided to us under fraudulent circumstances, we will pass this information on to the relevant enforcement agencies.

2. Third Parties Necessary to Provide Services:

In order for us to provide you with all our services, it is necessary to share some of your information with third parties such as:

1. Credit Reporting Agencies
2. Credit Bureaus
3. Debt Collectors
4. Direct Debit Companies
5. Financial Service Providers (another lender)
We only ever provide the information that is essential for the third parties to perform their functions for Quickle.

3. Privacy Act 1988 Authorisation

You consent under the Privacy Act 1988 to Panthera Leo Pty Ltd (‘Quickle’) using your personal information to verify the matters you disclose to us to, amongst other things, obtain a credit report if required and to discuss matters relevant to your employment or income with whoever we believe necessary, including your employer.

You consent to and agree that Quickle may share information with third parties for matters involving your advance including, collections.

You also consent for Quickle to share personal and financial information with third parties who may contact you for the purposes of assisting you to fund a suitable finance solution.

4. Electronic Transactions Act 1999 Authorisation

It is contemplated that you and Quickle may enter into an agreement (“Agreement”). By contacting Quickle about entering into an Agreement, you acknowledge and agree that:

  • You are at least 18 years old, of sound mind and judgement, and able to make decisions regarding your finances;
  • You understand that you have the right to get independent legal and financial advice before entering into the Agreement;
  • If you have any questions about the terms of the Agreement you will not enter into an Agreement unless those questions are answered to your satisfaction;
  • The Agreement may be entered into electronically/verbally over the phone by being read and explained to you and you indicate that you have understood and agree to the terms and conditions of that agreement.
  • If you do not wish to be bound by the Agreement, or if you wish to obtain independent legal or financial advice in relation to it, or if you do not fully understand all of the terms and conditions of the Agreement, you will indicate to the Quickle telephone operator that you do not wish to enter into the Agreement;
  • Once you indicate to the Quickle telephone operator that you have understood and agree to the terms and conditions of the Agreement, and funds have been advanced by the lender, that you will be bound by the Agreement as if you had signed a hard copy of the Agreement;
  • The terms and conditions of the Agreement and any related materials and information (“Quickle Materials”) may be provided, or otherwise made available, to you electronically under the Electronic Transactions Act 1999 (“the Act”) and that;
  • Paper documents may no longer be provided to you;
  • You will regularly check your nominated email account for Quickle Materials; and

You may at any time withdraw consent for the Quickle Materials to be provided electronically.

5. Consent under the Spam Act 2003 and the Do Not Call Register Act 2006

You consent for Panthera Leo Pty Ltd (‘Quickle’) and any third party that has received your personal information in accordance with these terms and conditions to contact you by way of email, SMS, Phone (including pre-recorded and computer generated messages), push notification, user portal message, fax and other forms of communication for the purposes of customer service, debt collection, marketing, and promotion.

This consent survives the termination of this contract and continues indefinitely unless you notify the Service Provider in writing that you withdraw your consent.

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How you can access your personal information.

We will provide you with access to any of your personal information at your request. Simply contact us and once we have established your identity we will provide you with the information you request. There may be certain circumstances where we are legally prevented from providing you with the information requested by you. You will be advised of such circumstances.
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Information security.

We take all reasonable care to protect your personal information submitted via our online forms and stored in our database. It is impossible to make the internet completely secure. As such, we do not guarantee the security of any information you provide through our online forms. Quickle doesn’t accept any responsibility if you choose to use the Quickle website.

Other matters.

Third Party Websites: Any links from our websites to Third Party websites are not endorsed by Quickle. We accept no responsibility for the content of these websites. You should read the privacy policy and terms of use of the website before you use it.

Copyright: All content on the Quickle Website, Forms, Documents, Policies, Pages, Code, Software, and all other Quickle related material is the property of Quickle Pty Ltd unless otherwise noted.

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