Legal

Terms and Conditions

Thank you for visiting our website. The Jump Payments website (www.jumppayments.com.au) is owned and operated by Jump Payments Pty Ltd (ABN 37 636 659 160). By visiting this website, you accept these Terms and Conditions (‘Terms’) and our Privacy Policy. If you do not agree to be bound by these Terms, you must immediately cease use of the website and services. In these terms, ‘us’, ‘we’, ‘our’ and ‘Jump Payments’ refers to Jump Payments Pty Ltd.

DISCLAIMER AND LIMITATION OF LIABILITY
The information provided on our website is not comprehensive and is intended to provide a summary of the subject matter covered. Jump Payments takes care to ensure the completeness and accuracy of the statements on our website. However, to the maximum extent permitted by law including the Australian Consumer Law, Jump Payments makes no warranty and have no liability regarding the information on this website. Jump Payments will also not be held liable for any incidental, special, consequential, or indirect damages arising out of, or related to, the use of the website or services provided by Jump Payments. These damages may include, but are not limited to, damage for loss or corruption of data or damage to your computer systems. You must take your own precautions to ensure that your use of our website does not interfere with or damage the operations of your computer systems.

LINKED SITES
Our website may have links to third party websites (e.g., lenders, credit bureau agencies). Unless expressly stated otherwise, we do not endorse and are not responsible for the content on these linked websites and have no control over these linked websites.

INTELLECTUAL PROPERTY RIGHTS
This website is subject to copyright and is entirely owned by Jump Payments, and may contain third party materials that are subject to copyright. You may not reproduce, sell, publish, transmit or disseminate the contents of this website without our prior permission, or unless permitted by the Copyright Act 1968. However, you are permitted to make a copy for the purpose of viewing the content for your own personal use.

INDEMNIFICATION
You agree to indemnify Jump Payments for any losses, costs, liabilities and expenses arising out of your use of our websites or services, your violation of these Terms and your violation of any application laws, rules or regulations.

JURISDICTION AND GOVERNING LAW
Your use of the website, these Terms and Privacy Policy and governed by the law of New South Wales, Australia and you submit to the non-exclusive jurisdiction of the courts exercising jurisdiction in New South Wales.  This agreement is effective by using our website and / or services, which constitutes acceptance of this agreement. This agreement will remain in force in perpetuity unless terminated by Jump Payments or you.

Privacy Policy & Consent

PROTECTING YOUR PRIVACY
Jump Payments Pty Ltd (ACN 636 659 160) is committed to acting in the best interest of our customers, including protecting your privacy. Below sets out detail of what information we collect from our customers, for what purpose and how we use  this information. By accessing our website and using our services, you consent to the terms of this Privacy Policy and Consent (“Policy”) and agree to be bound by it.In this document, ‘Jump Payments’, ‘we’, ‘us’ and ‘our’ are references to Jump Payments Pty Ltd.

INFORMATION WE COLLECT
Personal Information
Personal Information refers to information from which your identity is apparent or can reasonably be ascertained. This includes things like your name, address, date of birth, email address, occupation, driver’s licence number, financial details, employment details and proof of earnings and expenses. We may hold details of the products or services you have enquired about (including their status) as well as those we have assisted you to acquire, together with any information necessary to deliver those products and services and respond to your enquiries.If you choose not to provide certain Personal Information, it may limit our ability to provide you with the products or service your require, or we may be unable to tailor the services to your preferences, leading to a negative impact on your experience as a customer.

Sensitive Information
Sensitive Information is a subcategory of Personal Information. Sensitive Information is any information about your racial or ethnic origin, political opinions, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences or practices, criminal record or health information. We may seek, collect, use or disclose Sensitive Information about you but only if that sensitive information is required for one of the purpose of providing you with a product or service, typically related to verifying your identity or income.

You expressly provide your consent to us receiving this information and holding it for the purposes outlined in this Policy.

Credit Information
The Personal Information we collect and hold about you may include Credit Information. Credit Information is information which is used to assess your eligibility to be provided with finance and may include any finance you have outstanding, your repayment history for any current or prior debts, and any defaults. This includes credit reporting information such as the information we receive from Credit Reporting Bodies (‘CRB’) in your credit report, information about your history with other lenders and other products you have applied for, and how you have historically managed your lending commitments.

We exchange your Credit Information with CRBs for the purpose of verifying you and to assess your creditworthiness and your application for finance. You can request to access to the Credit Information that we hold about you and make a request for us to correct that Credit Information if needed. We explain how you can do this below.

Unsolicited information
Sometimes people share information (including Sensitive Information) with us that we have not sought out. This could be through using our website or using our services to apply for a product. If we receive such information, we will determine whether we would have been permitted to collect that information. If so, we will handle this information the same way as we do any other Personal Information we seek from you. If not and the information is not contained in a Commonwealth record, we will destroy or de-identify it as soon as practicable, but only if it is lawful and reasonable to do so. Where this information is not easily unbundled from other information, we may need to store this information for future use, such as to help resolve disputes between us or to assess future applications by you.


HOW WE COLLECT PERSONAL AND CREDIT INFORMATION FROM YOU
We may collect Personal Information and Credit Information from you in a number of ways, including:
  • Directly from you, for example when you fill out an application form on our website;
  • When you visit our websites;
  • From third parties such as our marketing websites, related companies or CRBs;
  • From your representatives e.g., solicitors;
  • From referral partners, who refer your business to us e.g., car dealerships;
  • Any external parties where you have asked them to provide your personal information to us;
  • From publicly available sources; and
  • From your own records.
USING PERSONAL AND CREDIT INFORMATION
As your broker, we require the information we collect from you to assess your credit application, source a suitable credit provider and any insurances, and to manage the application process, where required. If you do not provide the information sought, we may be unable to process your application, or we may be limited in the other services we can offer you.

How we use your Personal Information
We use your Personal Information primarily to perform our business activities and functions, including assessing your application for finance and helping you obtain approval from lenders. Your Personal Information may be used to:
Third parties
With your consent, we may disclose your Personal Information to third parties such as lenders, referral partners, business partners, brokers or agents, or for the purpose of connecting you with other businesses or customers. This is to enable us to assist you to apply for credit with our lending partners. The information shared may include your Personal Information. Our lending partners have safeguards in place to protect the information shared with them. Please refer to our lending partners privacy policies for further information. Third party marketing service providers may combine the Personal Information we disclose to them with information they already hold about you, in order to provide you with more relevant advertising about our or their products or services.

CRB Disclosures
When we collect information from you in the credit application process, we use that information in a number of ways to assess your credit application and to source a suitable credit provider or lessor and/ or insurance provider.

We may:
The information we obtain from you is used for the purposes listed in this Consent and is not disclosed to any other person except with your permission or as permitted, or required, by law.

Credit Providers
As part of providing our services to you, we may undertake tasks for a credit provider which is reasonably necessary to manage the application process. When doing so, we are acting as agent for the credit provider.

For more information on how credit providers collect, hold, use and disclose your information, you should visit their privacy policies on their websites, which include how you can access and correct the information that these providers have about you. Providers on Jump Payments' lending panel include but are not limited to, the entities listed below:
We may submit your application to one or more credit providers. A credit provider, to whom we submit an application, may disclose Information about you to, and collect Information about you from, from one or more CRBs.

The website of each credit provider contains details of each CRB with which it deals and other detail about Information held about you, including whether that Information may be held or disclosed overseas and, if so, in which countries. The websites also describe your key rights. This detail may be described on the credit providers’ websites as ‘notifiable matters’, ‘privacy policy’, ‘credit reporting policy’ or ‘privacy disclosure statement and consent’, or similar.

For each CRB the website details will include the following specific information:
This detail will also be included by the credit provider who approves your application in the privacy disclosure statement and consent document it will provide to you. Each credit provider’s website includes information on how to contact the credit provider and how to obtain a copy of its privacy documents in a form that suits you (e.g. hardcopy or email).

Direct Marketing
To keep you up to date on the best financial offers available in the market, we may conduct marketing activities by email, telephone, email, SMS, mail or other means. We may also market our products to you through third party channels (e.g., social networking sites). If you do not wish to be contacted by Jump Payments, you can contact us via info@jumppayments.com.au. We will always provide you with an easy way to opt-out. With your consent, we may disclose your information to third parties, for the purpose of connecting you with other businesses or customers. You can ask us not to do this at any time. We will never sell your Personal Information to any external organisation.

SAFETY AND SECURITY OF YOUR INFORMATION
We aim to ensure all details you provide us with are securely protected from any misuse, interference and loss, and from unauthorised access, modification or disclosure. We are focused on ensuring a suitable standard of information management and provision of online services.

Transfer of information overseas
To supply you with the best service, we may at times transfer personal information we have collected about you to someone in a foreign country.

Overseas organisations may be required to disclose information we share with them under a foreign law. In those circumstances, we will not be responsible for that disclosure.

We do not utilise offshore personnel for the purposes of marketing or sales.

We will not share any of your Credit Information with a CRB unless it has a business operation in Australia.

Cookies and tracking
We use ‘cookies’ on our website to make it easier for you to use our website and offer the best experience possible for you – these allow us to record the data relating to pages you have viewed and activities carried out during your visit. Our system will record and log information such as your internet protocol address, date and time of visit, pages viewed and how you navigate our websites. You can configure your browser to refuse cookies or delete existing cookies from your hard drive. Rejecting cookies may have the effect of limiting functionality of parts of our website. We may use cookies and other similar technologies for the purposes of usage analytics, advertising auditing and reporting, as well as content and advertising personalisation. We may share data collected through these methods with third parties to provide you with relevant advertising when browsing third-party networks and websites such as Google and Facebook.

If you accessed our website using an advertisement on a third-party website, the advertising company may collect information on how you use our website and whether you commence or complete an application through Jump Payments.

Online applications
We retain information contained in completed and partially completed application forms through our website. We are able to then use this information to provide any services you require, including allowing you to retrieve applications at a later time. We might also use these details to get in touch with you, or to offer help finishing the application if needed.

ACCESSING AND CORRECTING YOUR PERSONAL INFORMATION
We take reasonable steps to ensure that the information we collect, use and disclose is accurate, complete and up-to-date. This accuracy is largely dependent on the information you or others provided to us. If you wish to make any changes to your Personal Information, please contact us at info@jumppayments.com.au.

To provide you with the best service possible, it is important that the information we hold is accurate and up to date. We ask you to contact us whenever there are any changes to your personal details, so we can update our records. We may charge a fee for our costs of retrieving and supplying such information to you.

In some circumstances, we may refuse your access to your Personal Information in certain circumstances, for example, where authorised under an Australian law. If we decide not to give you access, we will provide reasons for the refusal and information on how you can complain about the refusal.

Where corrections are required, we will do our best to help you make a correction request and send it to the organisation that made the mistake. If we are unable to correct the information, we will explain it in writing. Please contact us if you have any concerns.

If we agree to correct your information, we will do so within 30 days from when you asked us, or a longer period where agreed by you. If we cannot make the correction within this timeframe, we will let you know and explain the reasons, and ask you to agree in writing to give us more time.

Electronic communications
By providing your email address and clicking submit on any online form, you consent to receiving documents electronically, either displayed on-screen or email to you. This could include your credit contract and related disclosures, and other credit guides and notices. Before consenting, you should understand that paper version of these documents may no longer be given, and you should regularly check your electronic communications for documents we may have sent you. You may withdraw your consent to receive documents electronically at any time by contacting us. We may also, where you consent, require you to digitally sign documents, such as your credit contract and car loan.

GETTING IN TOUCH
If you have any concerns or questions in relation to how we handle your privacy, or if you would like a printed version of this policy sent to you, let us know. Visit our website at www.jumppayments.com.au or email us at info@jumppayments.com.au.

DISCLOSURE AND CONSENT
By agreeing to this document, you agree we may:
You also agree and consent to, as appropriate:
Changes to this Policy
We are constantly reviewing all of our policies and attempt to keep up to date with market expectations, the law and technology. As a consequence, we may change this Policy from time to time. All Personal Information held by us will be governed by the most recently updated policy, available on our website (www.jumppayments.com.au) or by request.