YOUR RIGHTS
You have the right to ask:

• Us to provide you with all the information we hold about you;
• Us to correct the information we hold if it is incorrect;
• Us for copies of our privacy policy and this document, in a form that suits you; (e.g. hardcopy or email)
• The CRB not to use your information for direct marketing assessment purposes, including pre-screening; and
• The CRB to provide you with a copy of the information it holds about you.

You can gain access to the information we hold about you by contacting our Privacy Officer at the address above or by telephone on 1300 652 842 or email at info@whitestar.com.au in some cases an administration fee may be charged to cover the cost of providing the information.

Our Privacy Policy is available on our website at www.whitestar.com.au or we will provide you with a copy if you ask us.

Schedule 2 at the end of this document sets out the contact details for each CRB service.

DISCLOSURE AND CONSENT

By signing below, you agree we may:

• Use your personal and credit information:
  • To assess your consumer or commercial credit and/or guarantee application and/or to assess a credit application by a company of which you are a director;
  • To source any finances you required;
  • To source any insurances you require; and
  • As the law authorises or requires
• Disclose to, and obtain from, any prospective credit provider or insurer, information about you that is reasonably necessary to obtain the finance and insurances you require;
• Check your information with the document issuer, such as an employer or accountant or official record holder for the purpose of confirming your identity and information you have provided;
• Obtain from, and disclose to, any third party, information about you, the applicant(s) or guarantor(s) that is reasonably necessary to assist you to obtain the finance and insurances required;
• Provide your information, including your credit report(s), to one or more of the credit providers specified in Schedule 1 so they can assess your application, or the application of a company of which you are a director, or your suitability as a guarantor;
• Provide credit information about you to a guarantor, or prospective guarantor;
• Provide you, or the company of which you are a director, with offers or information of other goods or services we, or any of our associated entities, may be able to provide
  to you or the company, unless you tell us not to;
• Disclose your personal and credit information to the extent permitted by law to other organisations that provide us with services, such as contractors, agents, printers, mail houses, lawyers, document custodians, securitisers and computer systems consultants or
  providers, so they can perform those services for This includes service providers located overseas. It is not practical to list every country in which recipients will be located, however it is likely to include, Germany, New Zealand, United Kingdom, Malaysia Philippines,
  Singapore, Malaysia, Vietnam & United States of America; and
• Disclose your personal information to any other organisation that may wish to acquire, or has acquired, an interest in our business or any rights under your contract with us, or the contract with us of a company of which you are a director.

You also agree and consent to, as appropriate:

• A CRB disclosing consumer credit information to one or more credit providers specified in the Schedule 1 below for the purpose of assessing your application for consumer or commercial credit or your guarantor application, and/or assessing a credit application by a
  company of which you are a director;
• When you are a prospective guarantor, a credit provider using that information to assess your suitability as a guarantor;
• A credit provider disclosing your credit information (including information obtained by it from a CRB) to a guarantor, or a prospective guarantor; and
• A credit provider disclosing to another credit provider, to your agent, such as us as your broker, or to a servicer, for a particular purpose, information it holds about you.

EXTENDED EFFECTIVENESS FOR COMMERCIAL CREDIT
Your agreement and consent to the disclosures and consents in this document will be effective for a period of 12 months, but only in relation to commercial credit. Your agreement to this ceases when you either withdraw it by contacting us using our details above or 12 months after you sign below, whichever first occurs. This will allow us to continue to provide our services to you without the need to ask you to sign a new privacy statement and consent each time you require commercial credit within a 12-month period. The extended effectiveness does not apply in relation to consumer credit.
Where the applicant, or guarantor, is a company of which you are a director, you consent to the use of your information, in addition to the company’s information, in each of the ways listed above.

SOUTH AUSTRALIA
For specific finance transactions we may arrange for you, we will tell you details of the amounts we receive or pay or are likely to receive or pay, or if not known at the time, how these amounts are calculated and/or reasonable estimate of the amounts, as well as who pays and receives these amounts.

APPPOINTMENT TO ACT
I hereby appoint WhiteStar Car Loans & its Credit Representatives its  to act as my/our finance broker. This mandate confirms that WhiteStar Car Loans & its Credit Representatives has been appointed to collect, collate, and prepare relevant documentation and forward to potential lenders and/ or financial intermediaries.

EFFECTIVENESS FOR CONSUMER CREDIT
This authorisation ceases when we undertake a task on behalf of the credit provider.

ELECTRONIC COMMUNICATION CONSENT
By signing the below you acknowledge that:
· paper documents may no longer be given;
· you authorise us to provide you with documents, such as a Credit Guide, Quote for providing credit assistance, Credit Proposal Disclosure Document, this Privacy Disclosure Statement & E-mail Communication Consent and other information, by electronic communication to the e-mail address set out below (see the Authorisation section of this Privacy Disclosure Statement and E-mail Communication Consent);
· you agree to regularly check your e-mail address for documents we may have sent you by electronic communication; and
· consent to the provision of documents by electronic communication may be withdrawn at any time.
· You can cancel your consent to receive electronic communication at any time, by contacting us via e-mail at: info@whitestar.com.au or by phone 1300 652 842.

AUTHORISATION
By asking us to provide you with our services, you consent to the collection, use, exchange and disclosure of your personal and credit information also as specified below: • Consent to provide your personal information to a Credit Reporting Body (CRB). • We can act as your agent to obtain a report or information about your consumer or commercial creditworthiness from a CRB. • We may disclose personal information such as your name, date of birth and address to the CRB to obtain an assessment of whether that personal information matches information held by it. If you do not provide the information, we may be unable to assist in arranging finance or providing other services to you.