Privacy Policy
How DCS Financial Services Pty Ltd collects, uses, stores and discloses your personal information.
DCS Financial Services Pty Ltd (ABN 14 691 437 742) ("we", "us") is bound by the Privacy Act 1988 (Cth), the Australian Privacy Principles and, where relevant, the credit reporting provisions of Part IIIA of the Privacy Act and the Privacy (Credit Reporting) Code. DCS Financial Services Pty Ltd (ABN 14 691 437 742) is an Authorised Credit Representative (ACR 574826) of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686).
When you apply for finance through us you'll also receive our Credit Guide, Quote and Privacy Consent, which sets out more detail on how credit-related information is handled: consumer and commercial.
What we collect
To help you obtain finance we collect information such as your name, contact details, date of birth, identification, employment, income, expenses, assets and liabilities, credit history, and details of the goods or business you want to finance. For businesses we may also collect information about directors, guarantors and the business's financial position.
How we collect it
Mostly directly from you, through our website, our application platform, by phone or email. With your consent we may also collect information from credit reporting bodies, lenders, your employer or accountant, identity verification services and bank statement providers.
Why we collect and use it
- to assess your requirements and objectives and provide credit assistance;
- to make sure any credit we arrange is not unsuitable for you;
- to prepare and submit applications to lenders and manage your loan through to settlement;
- to verify your identity and meet our legal and regulatory obligations;
- to respond to enquiries and complaints; and
- to tell you about other products or services, unless you ask us not to.
Who we disclose it to
We may disclose your information to lenders and other credit providers, our credit licensee AFAS Group Pty Ltd and aggregator Optimise Aggregation, credit reporting bodies, valuers, insurers, identity verification and technology service providers that help us operate (including our application platform), your referrer or dealer where relevant, our professional advisers, and regulators, AFCA or others where required by law. Some service providers may store data outside Australia; where this happens we take reasonable steps to make sure your information is protected.
Website
Our website may use cookies and analytics tools to understand how visitors use the site. Messages sent through our contact form are stored by our website host so we can respond to you. Please don't send sensitive information such as ID numbers or bank details through the contact form.
Security
We take reasonable steps to protect your information from misuse, loss and unauthorised access, and we destroy or de-identify it when it is no longer needed, subject to the record-keeping periods required by law (for example, we must keep credit assessments for seven years).
Access and correction
You can ask to access or correct the personal information we hold about you by contacting us. We'll respond within a reasonable time and explain if we can't give access for a reason permitted by law.
Complaints
If you have a privacy complaint, contact us at admin@dcsfinancialservices.com.au or 02 8102 4448. If you're not satisfied with our response, you can contact AFCA (1800 931 678, afca.org.au, membership 118759) or the Office of the Australian Information Commissioner (1300 363 992, oaic.gov.au).
Contact
DCS Financial Services Pty Ltd, Unit 1, 182 Hume Highway, Lansvale NSW 2166. Phone 02 8102 4448. Email admin@dcsfinancialservices.com.au.