International Acceptance Group
We lend, we service
In order to make our services as effective and easy to use as possible, this Site utilizes cookies. Hence, when you visit the Site, a minimum quantity of information will be entered on the User’s device, as small text files called “cookies”, that are saved in the User’s Web browser directory. There are different types of cookie, but basically the main aim of a cookie is to make the Site function more efficiently and to activate certain functions.
Cookies are used to improve the User’s global navigation. In particular, they:
• Allow for efficient navigation from one page of the Web site to another.
• Store the user name and preferences entered.
• Prevent you from having to enter the same information (such as user name and password) multiple times during your visit.
• Measure the User’s use of services, to optimize the navigation experience and services themselves.
• Present advertising information based on the interests and behaviour shown by the User during his navigation.
There are several types of cookies. The types of cookies that may be used on the site are listed below, with a description of their purpose.
These cookies are used to collect information on site use. The Data Controller uses this information for statistical analysis, to improve the site and simplify its use, as well as for monitoring correct functioning. This type of cookie collects anonymous information about user activity on the website, including how they got to the website and the pages visited. Cookies in this category are sent from the website or from third-party domains.
Third-party tracking cookies
This type of cookie is used to collect information about how visitors use the website, the keywords used to reach the site, the websites visited and the origin of traffic that brings in visitors for marketing campaigns. The Data Controller may use the information to compile reports and improve the website. Cookies collect information anonymously. Cookies in this category are either sent from the website or from third-party domains.
Enabling/disabling cookies through the browser
There are several ways to manage cookies and other tracking technologies. By changing your browser settings, you can accept or reject cookies or choose to receive a warning before accepting a cookie from the websites you visit. Please note that completely disabling cookies in the browser may leave you unable to use all our interactive features. If you use multiple computers in different locations, be sure that each browser is set up with your preferences. You can delete all the installed cookies in your browser’s cookie folder. Each browser has different procedures for managing settings. Click on one of the links below for specific instructions. Microsoft Windows Explorer Google Chrome Mozilla Firefox Apple Safari If you do not use any of the browsers listed above, select “cookies” in the relevant section of the guide to find out where your cookie folder is located.
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We understand that your privacy is very important to you and that when you agree to us collecting, holding, using, and exchanging your personal information you are putting a lot of trust in us; and your trust is very important to us. That’s why we are committed to strictly protecting your privacy and being open and transparent about what we do with your personal information.
In the course of our business we collect and hold information about our customers, including former and potential customers. This information is usually personal information (any information including sensitive information from which your identity is apparent) and credit information (for more on credit information please see section 6 – Credit checks and credit reporting). Generally we only collect personal information from you, unless it is not reasonable or practical to do so.
We collect information about you and your interactions with us, for example if you make an enquiry or request information from us, if you apply for credit or use your credit facility, and when you phone, email or write to us, or visit our website. When you use our website we may collect information about your location or activity including IP address, and whether you have accessed third party sites. Some of this website information we collect using Cookies (for more information please contact our IT department). The information we collect from you may include your identity and contact details, other personal details such as gender, marital status and prior addresses, current and prior employment information, and financial information including income, assets, financial commitments and credit history.
We collect information about you from others, such as credit reporting bodies, other credit providers, agents, advisers, brokers, service providers, your employer, family members and friends. For example, when you apply for credit, we will need to obtain a credit report from a credit reporting body, and if we later have trouble getting in contact with you we may ask your provided references (a family member or friend) for your contact details. We may also collect information about you that is publicly available, for example from public registers, or social media.
Information which is classified as sensitive information includes health information about an individual. In some cases we collect sensitive information for specific purposes. For example, in assessing an application you make for hardship relief, we may collect information about your health.
We may collect, use, hold and disclose personal and credit information about you for the following purposes:
We may also collect, use and exchange your information in other ways where permitted by law.
If you don’t want to receive direct marketing, please contact us and advise.
We may exchange (i.e. collect from and disclose to) your consumer and commercial credit information with the following parties for the following purposes.
We may exchange your information with third parties where this is permitted by law or for any of the purposes mentioned in section 4 using your information.
Third parties include:
If you have special needs we may share your information with your parent or legal guardian or any person appointed to manage your affairs.
Occasionally we may send your information overseas, but only directly to our own offices or agents in an overseas location, and to service providers or other third parties who operate or hold data outside Australia. Where we do this, we make sure as far as reasonably possible that appropriate data handling and security arrangements are in place. Please note that Australian law may not apply to some of these entities.
In order to assess your application for credit, or proposal to be a guarantor, we need to be able to determine whether you can meet the repayments required under the proposed finance contract. Similarly, if you later apply for further credit we need to ensure such an increase of credit will not put you in financial hardship. As part of our assessment of your application we will need to get your credit report.
As well as personal information, a credit report contains credit information about you. This is information about your credit history and includes the type and amount of credit provided to you, repayment history information, default information (including overdue payments) and court information. Credit reports and credit information helps credit providers, like us, assess your credit applications, verify your identity and manage your accounts.
Credit reporting bodies collect and exchange this information with credit providers, like us, and other service providers such as telecommunication companies and utilities providers.
The information we exchange includes your identification details, what type of credit you have, how much you’ve borrowed, whether or not you’ve met your repayment obligations (repayment history information), whether any payments (of more than $150.00) are overdue by 60 days or more, and if you have committed a serious credit infringement (such as fraud). We may also ask the credit reporting body to provide us with an overall assessment score of your creditworthiness.
We use information from credit reporting bodies to confirm your identity, assess your application for credit, manage the credit provided to you and our relationship with you, collect overdue payments, and to locate you if we cannot contact you. We also use this information as part of arriving at our internal and overall risk assessment of your creditworthiness.
Your credit-related personal information is stored with your other personal information that we hold about you (for more information please see section 7 – Security).
You may seek access to and request us to correct your credit-related personal information that we hold about you (for more information please see section 9 – Accessing, correcting and updating your information). You may make a complaint about the use of your credit-related personal information (for more information please see section 10 – Complaint Resolution).
We will take all reasonable steps to protect your personal information (including credit-related personal information) from misuse, loss, unauthorised access, modification or disclosure. We will destroy or permanently de-identify personal information we no longer need or which we are no longer required by law to retain.
We have physical, electronic and procedural safeguards to protect your information which is held by us. Your information, both hard-copy and/or electronic records, are held at our secure office premises and at secure offsite premises using trusted third parties.
Our office premises are protected against unauthorised access by electronic security passes which are held only by our staff, alarms and cameras. Access to information stored, including electronic records which require login and password authorisation, is restricted to our staff whose job purpose requires access. All our staff undertake information security and privacy training. We have firewalls, intrusion detection systems and virus scanning tools to protect against unauthorised persons and viruses accessing our systems.
Wherever it is lawful and practicable, we will give you the option of not providing information when entering into transactions with us. However, in most cases, if you do not provide the full and complete information requested we will be unable to proceed with your application for credit or assist your with your query or request for information.
Credit providers, like us, may ask credit reporting bodies to use their credit-related personal information to pre-screen you for direct marketing. You can ask any credit reporting body not to do this. Also, if you have been, or have reason to believe that you are likely to become, a victim of fraud (including identity theft), you can ask the credit reporting body not to use or disclose the credit-related information it holds about you.
You may ask us at any time to correct the information we hold about you or that we have provided to others (including credit-related personal information) by contacting us.
If your request includes credit-related personal information disclosed to us by others, we may need to consult with credit reporting bodies or other credit providers.
We will process your request within a reasonable time and try to correct the information within 30 days. If it looks like it will take longer, we will let you know the reason for the delay and try to agree to an extended timeframe with you.
If we are able to correct your information because it is indeed inaccurate we will inform you when it is so corrected.
If we disagree with you that the information is inaccurate and should be corrected, we will inform you in writing of our reasons. You may request that we attach a statement to that relevant information noting that you consider it is inaccurate misleading, incomplete, irrelevant or out-of-date. We will take reasonable steps to comply with such a request.
It is important that we have your correct information and details particularly your current address and telephone number. It is also usually a requirement under the terms and conditions of your finance contract that you keep us informed of any changes to your information and details. You can check or update your information by contacting us.
We are committed to providing the highest quality of service and products to our customers. However, we are not perfect and if you feel that we have not met your expectations we would like to hear from you so we can quickly remedy the problem. If you have a concern about your privacy (including credit-related matters), you have the right to make a complaint to us and we will do all that we can to promptly remedy the problem or address your concerns.
You may lodge a complaint by contacting us. We will acknowledge your complaint and do our utmost to review your concerns and resolve any issues or remedy any problems as promptly as possible.
If we cannot resolve any issues or remedy any problems within 5 business days we will write to you and provide you with the name and contact details of the complaints handling officer who is investigating and dealing with your complaint. We will keep you updated on the progress of your matter every two weeks if necessary and will provide you with a final written response within 45 days.
We are generally able to resolve complaints within a few days, however if we are unable to provide you with a response within 45 days, we will let you know the reason for the delay and try to agree to an extended timeframe with you.
If your request relates to your credit-related personal information, and our actions in relation to it, we may need to consult with credit reporting bodies or other credit providers. We will acknowledge your complaint within 5 business days; if it looks like we will be unable to resolve your complaint within 45 days we will let you know the reason for the delay and try to agree to an extended timeframe with you.
If we do not resolve your complaint to your satisfaction or we are unable to resolve your complaint you have the right to refer the matter to our External Dispute Resolution Scheme (EDR), the Australian Financial Complaints Authority (AFCA). This is a free service. We recommend you only do this after you have first been through our internal dispute resolution (IDR) procedure described above. AFCA is acting as an EDR scheme recognised by the Office of the Australian Information Commissioner (OAIC) to deal with privacy related complaints. AFCA may be contacted by calling 1800 931 678 (free call), online at www.afca.org.au or writing to GPO Box 3, Melbourne VIC 3001. Please note that unless certain circumstances exist, AFCA will only deal with your complaint if you have first been through our IDR procedure.
If your complaint is about the way we handle your personal information, you may also contact the OAIC by calling them at 1300 363 992, online at www.oaic.gov.au or writing to GPO Box 5218 Sydney NSW 2001
Our team of lending professionals work with a range of partners, from small businesses to large corporations through to independent finance brokers. We focus on building long term relationships and are committed to providing efficient, effective and timely business solutions. We customise each of our partner’s experience so that we can ensure you receive the best support.
This website is owned and operated by International Acceptance Pty Ltd (IA) ACN 098 034 041. IA holds copyright over the contents of this website unless indicated otherwise.
This website contains general information about IA products and services; however, unless expressly stated otherwise, this information does not constitute an offer or inducement to enter into a legally binding contract and does not form part of the terms and conditions for IA products and services. The information provided on this website is not intended as, nor is it a substitute for, personal financial product advice. As this website has been prepared without consideration of any specific client’s investment objectives, financial situation or needs, independent professional advice should be obtained before any financial decision is made.
While all reasonable efforts have been made to ensure that the information contained in this website is accurate and up to date, it is not designed to provide personal financial advice. The information provided does not take into account your particular financial objectives, situation, or needs. You should not act on the basis of any information contained on the website without seeking appropriate specific advice.
While IA has made every effort to ensure that the information presented in this website is free from errors or omissions and is based on information obtained from sources which are considered reliable, IA, its directors, employees and consultants do not represent, warrant or guarantee, expressly or impliedly, that the information contained in this website is complete, accurate or is suitable for your intended use. Nor does IA accept any responsibility to inform you of any matter that subsequently comes to its notice, which may affect any of the information contained in this website. No liability will be accepted by IA to any person for loss or damages incurred as a result of any reliance or action taken regarding the information made available in this website.
All information and services contained within this website are governed by and are to be construed according to the laws applicable in the State of New South Wales and the Commonwealth of Australia.
IA is committed to providing the highest quality of service and products to our customers. However, we are not perfect and if you feel that we have not met your expectations we would like to hear from you so we can quickly remedy the problem.
If you have a complaint please advise us as soon as possible.
You may contact us:
By telephoning client services on: 1300 729 955 (toll free)
Between 8:30 am and 5:00 pm (Sydney Time) Monday to Friday (except NSW Public Holidays)
Or by writing to us at: PO Box H300 Australia Square 1215
Or by email at: [email protected]
The staff member receiving your complaint will do their utmost to remedy the problem. If this is beyond their capacity they will refer the matter to the appropriate Manager.If your complaint cannot be resolved immediately the staff member you have been dealing with will take a note of the necessary details and advise you of the name of the Complaints Handling Manager who will be responsible for resolving the issue. If the Complaints Handling Manager is unable to resolve the matter within 5 business days they will issue an acknowledgement letter advising that your complaint has been registered. The Complaints Handling Manager will keep you informed of our progress and make every endeavour to provide you with a final response as soon as possible, and in any event within 45 days.
If your complaint is made in writing you will receive a response in writing advising you of our decision, the reasons for our decision, and explaining what further action is open to you if you are unsatisfied with the response.
We are confident that this process will provide our customers with a fair and reasonable response to their complaint.
Should you be unsatsified with the solution we offer or we are unable to resolve your complaint, you have the right to the matter to the Australian Financial Complaints Authority.
Email: [email protected]
Phone: 1800 931 678 (free call)
Mail: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001.
Time limits may apply to complain to AFCA and so you should act promptly or otherwise consult the AFCA websites to find out if or when the time limit relevant to your circumstances expires
IA is a lender, able to assess loan applications quickly and efficiently.
As the banks do less, we do more. We strive to establish clients, not just loans.
Our professionals will work to understand you and your business first then recommend a loan product.
We seldom say never. We do look to work between the majors and second tier lenders but tell us your story.
We want to ensure the loan is suitable to your needs and will not cause financial concerns. We require an application form to be completed and typically request detailed financial information.
We will look at “out of the box” transactions. It’s not an onerous process but it’s important to it right for you.
The Anti-Money Laundering and Counter Terrorism Financing Act (the Act) requires each designated service provider (reporting entity) to put in place a compliance program (the AML/CTF program) to identify, mitigate and manage the risk of its company, products or services facilitating money laundering or terrorism financing.
The Act puts the duty to report on the Financial Institution. Whilst it is the staff who comprise the actual links with the customer and what is reported, the responsibility to ensure that there is prompt and accurate reporting rests with the Company.
It is the responsibility of Management to ensure staff have sufficient knowledge and training to be alerted to any possible transactions. It is an offence under the Act to refuse or fail to report a suspect transaction as indicated above.
If at any time a transaction occurs that is considered to be suspect or unusual, this must be immediately reported, no matter how seemingly insignificant.This may be:
Management will complete the appropriate report to AUSTRAC.
The information gathered by the Agency will be used by the Australian Taxation Office, Australian Customs Office, National Crime Authority and the Federal and State Police to detect financial and other criminal activity. If there is ever any indecision about whether to report a transaction, Management should be contacted in order to discuss the matter so that the correct decision can be made.
Non-compliance with the AML/CTF Act may result in action against both the corporation and individual employees, particularly management. The penalties are significant.
IA is an independent financial services company. Incorporated in 2001 its Directors have managed structured finance relationships across Australia, New Zealand, UK, Ireland, Spain, Italy and CIS. With over 28 years of experience in the finance sector, more than 300,000 customer accounts managed over time by up to 140 staff, internationally the Directors hold a depth of knowledge in financial services.
IA operates a diverse platform of services across broad economic segments. The Directors have successfully traversed economic corrections since the 1980’s including the GFC in 2008 and are well positioned to deal with whatever challenge is presented looking forward. We are an innovative group that has a keen focus on our results and the results of those we do business with.