1. Openness and transparency
LUBE IT, its partners and affiliates are committed to protecting your privacy and respect and uphold your rights under the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth) ("Privacy Act"). By using this website or providing us with your personal information, you agree to and consent to the collection, use, holding and disclosure of personal information by LUBE IT as set out in this policy.
2. Personal information
Personal information is information or an opinion about an individual whose identity is apparent or can be reasonably ascertained, from that information or opinion. The personal information we may collect from you includes, without limitation, your name, address, email address, telephone number(s) and date of birth. Personal information also includes credit information. Credit information is personal information or an opinion about you that has a bearing on credit that has been provided to you or that you have applied for.
LUBE IT will collect personal information only by lawful and fair means and not in an unreasonably intrusive way. If it is reasonable and practical to do so, LUBE IT will only collect personal information about you directly from you. LUBE IT will not collect personal information unless the information is reasonably necessary for our functions and activities.
Personal information may be collected by LUBE IT in a number of circumstances, including when you:
enquirywith us via email or telephone;
visit our websites;
enquiryor application in relation to any LUBE IT products or services; or
apply for employment with LUBE IT.
LUBE IT may enter into arrangements with third parties (including third parties with whom LUBE IT has partnered to provide you with its various products or services using the LUBE IT brand) to collect your personal information in circumstances where the third party notifies you, at the time of collection, that your personal information will be provided to Kogan.
If you are applying for a product or service offered on
The kinds of credit-related personal information LUBE IT may collect about you includes:
information about your identity;
information about consumer credit loans that you currently have applied for including:
repayment history information;
the type and amount of credit sought in each application;
default and payment information;
information about any court proceedings;
credit eligibility information, which is credit reporting information supplied to us by a credit reporting body, and any information that we derive from it.
If you use a pseudonym when dealing with us or you do not provide identifiable information LUBE IT may not be able to provide you with any or all of our services as requested. If you wish to remain anonymous when you use our website do not sign into it or provide any information that might identify you.
LUBE IT requires individuals to provide accurate, up-to-date and complete personal information at the time it is collected.
4. What does LUBE IT do with your personal information?
In addition to any purpose notified to you at the time of collection
providing our products and services to you;
providing LUBE IT branded products and services that are provided by our third-party partners;
our internal management needs;
our marketing activities, including marketing activities relating to LUBE
ITbranded products and services that are provided by our third partypartners;
responding to any inquiries or comments that you submit to us;
assessing, processing and managing your applications for LUBE IT products and services or LUBE IT branded products and services offered by our third party partners, including to assess your credit risk and our risk;
any other purpose you have consented to; and
any use which is required or
5. Disclosure of personal information
LUBE IT may disclose your personal information:
to third-parties we ordinarily engage for the above purposes;
organisationsthat provide products or services used or marketed by Kogan;
any person or entity to whom you have consented to LUBE IT disclosing your personal information to; and
any person or entity to whom we are required or
authorisedto disclose your personal information to in accordance with the law.
6. Access and Management
You may request access to your personal information in our customer account database, or seek correction of it, by contacting our customer service team. See section 8: Contact information.
LUBE IT may charge a reasonable fee that is not excessive to cover the charges of retrieving your personal information from our customer account database. LUBE IT will not charge you for making the request.
If you believe that LUBE IT holds personal information about you in our customer account database that is not accurate, complete, up-to-date, relevant or information that is misleading then you may request its amendment and LUBE IT will respond to your request within a reasonable time. LUBE IT will not charge you for correcting your personal information.
If LUBE IT no longer needs your personal information for any the purposes set out in this policy, or as otherwise required by law, LUBE IT will take such steps as are reasonable in the circumstances to destroy the information or to de-identify it.
LUBE IT will take reasonable steps to protect the personal information it holds from misuse, interference, and loss and from
7. Opting Out
At any time you may opt out of receiving direct marketing communications from us. Unless you opt out, your consent to receive direct marketing communications from us and to the handling of your personal information as detailed above will continue. To opt out email email@example.com.
8. Cross-border disclosure
LUBE IT may transfer your personal information to a person who is in a foreign country to assist LUBE IT in providing you with the service that you have requested.
LUBE IT will take such steps as are reasonable in the circumstances to ensure that the information that is transferred to third parties located outside of Australia will not be held, used or disclosed by the recipient of the information in a manner that is inconsistent with the Australian Privacy Principles.
9. Contact information
If you require further information regarding this policy or wish to make a complaint about a breach of the APPs by LUBE IT, please contact us at firstname.lastname@example.org. A senior member of staff will review your complaint within 5 business days and respond to you in writing advising what action(s) LUBE IT will take as a result of your complaint.
10. LUBE IT Website
When transmitting personal information from your computer to a LUBE IT website or to a LUBE IT branded website operated by one of our third party partners, you must keep in mind that the transmission of information over the Internet is not always completely secure or error-free. Other than the liability that cannot lawfully be excluded, LUBE IT will not be liable in any way in relation to any breach of security or any unintended loss or disclosure of that information.
You have the ability to accept or decline cookies. If you choose to decline cookies, you may not be able to fully experience the interactive features of the LUBE IT Group modules. Some LUBE IT integrations are operated and maintained by third parties to whom LUBE IT has partnered with to provide you with their products and services under the LUBE IT brand. Some of our integrations are subject to the website terms and conditions of the third party partner who operates the website, and any transactions you conduct on these websites will be between you and the third party partner.