Privacy Consent

Licensee Details - Contact Details

Kushagra Kushagra T/As Pearl Financial Investments
ABN: 94 833 096 878
4 Aldan Way, Truganina, VIC 3029
Phone: 0431 922 606

Authorised Credit Representative #575751 of Australian Credit Licence #414426 (AFAS Group Pty Ltd, ABN 12 134 138 686)

Overview - Privacy

We collect information about you for the purposes you agree to in this Privacy Disclosure Statement and Consent. When you sign below, you agree that we may collect, use and exchange your credit and personal information in accordance with Australia’s privacy and credit reporting laws.

We collect information to:

• Provide consumer credit (personal, household, residential investment)
• Provide commercial/business credit
• Support guarantor applications
• Deliver other financial services

If you do not provide the required information, we may be unable to process your application or provide full services.

Your Information – Collection & CRB Disclosures

We may collect and use your information to assess your application and source suitable lenders or insurers.

• Disclose identification info to Credit Reporting Bodies (CRB)
• Obtain and use credit reports
• Share information with insurers
• Apply for finance on your behalf

Information is only used as permitted by law and not shared without consent unless required.

Credit Providers

We may submit your application to one or more credit providers and act as an intermediary. Credit providers may collect and disclose your information to CRBs.

• Assess your creditworthiness
• Check repayment history
• Disclose overdue payments
• Provide access to policies and data
• Allow correction of information
• Limit direct marketing use
• Protect against fraud misuse

Your Rights

• Access all personal information held
• Request corrections
• Request copies of documents
• Restrict marketing usage
• Access CRB data

Contact Privacy Officer:
4 Aldan Way, Truganina VIC 3029
Phone: 0431 922 606
Email: kushagra@pearlfinancialinvestments.com.au

Disclosure and Consent (Detailed)

By signing below, you agree we may use your personal and credit information:

• To assess your consumer or commercial credit and/or guarantee application
• To source any finance or insurance required

As permitted by law:

• Disclose to and obtain information from credit providers or insurers
• Obtain third-party information necessary for finance or insurance
• Provide your credit reports to lenders for assessment
• Share information with guarantors or prospective guarantors
• Share with contractors, agents, lawyers, IT providers and service partners
• Disclose information in case of business transfer or acquisition

You also agree that:

• CRBs may disclose your credit information to lenders
• Lenders may assess your suitability as a guarantor
• Lenders may share your credit data with other providers

If you are a director of a company, you consent to use of both your personal and company information.