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Conditions of Use

Operator of payment portal
This payment portal is operated by Speedscan Pty Ltd on behalf of Scottish Pacific Business Finance Pty Ltd (ABN 79 008 636 388) for itself (including FactorONE, a division of Scottish Pacific Business Finance Pty Ltd), Scottish Pacific (BFS) Pty Ltd (ABN 69 101 657 041) and Scottish Pacific Business Finance Limited (a New Zealand company, company number 535333).
Definitions
In these conditions of use “we”, “our” and “us” means all and any one or more of Scottish Pacific Business Finance Pty Ltd (ABN 79 008 636 388), Scottish Pacific (BFS) Pty Ltd (ABN 69 101 657 041) and Scottish Pacific Business Finance Limited (a New Zealand company, company number 535333). References in these conditions of use to “payment portal” means this payment portal and references in these conditions of use to “content” means the content of this payment portal.
Agreement to terms
By accessing this payment portal, you agree to these conditions of use. You also agree to our privacy policy (it is available on this payment portal) and other notices, terms and conditions on this payment portal. We may change these conditions of use, the privacy policy and the other notices, terms and conditions and by subsequently accessing this payment portal you agree to the change.
If you enter into a facility agreement with us your use of this payment portal and the content will also be subject to the terms of that agreement. If there is any inconsistency, that agreement will prevail to the extent of the inconsistency.
We reserve the right to end, suspend or restrict the use of this payment portal at any time without giving notice.
Use of this payment portal
This payment portal and the content is provided for business purposes and to facilitate business transactions. This payment portal and the content must not be used for any other purpose. The content provides general information only and it should not be considered to be a comprehensive statement of the subject matter or to be necessarily applicable to any particular person or business.
You have no rights to or licence in the content (including our trading names) except the right to use this payment portal and download content in accordance with these conditions of use. We own the copyright in the content and in the design of this payment portal, or use of it under licence or applicable law.
You may make a temporary copy of this payment portal on your local computer for the sole purpose of viewing it and may print a page for your personal use so long as any copyright notice is not removed. You may not, in any form or by any means, reproduce, adapt, store, transmit, display, publish or create derivative works from the content unless you have our prior written consent or are permitted to do so by legislation.
Limitation of liability
The internet is not a secure medium. Communication to and from this payment portal could be intercepted or altered. We do not warrant that this payment portal or communication to and from this payment portal will be free from viruses or any other thing. To the maximum extent permitted by law, we exclude completely all liability to any person for any loss (including consequential and economic loss) or damage of any type relating in any way to the content or this payment portal. This includes loss or damage caused by negligence. If any law implies a warranty or guarantee that cannot be lawfully excluded our liability for the breach of the implied warranty or guarantee is limited, at our option, to supplying again the content or use of this payment portal or the payment of the cost of supplying them again.
This payment portal may provide links to other websites. Those links are provided as a service to users of this payment portal. We do not accept responsibility for, or endorse the material on, any linked website; give any representation or warranty as to the reliability, accuracy or completeness of the material on those websites; or have any liability to anyone for anything which may happen as a result of the use of, or access to, those websites. You must not create or maintain a link from another website to this payment portal without our written approval.
Privacy
We may collect anonymous traffic data from users and we may record details about any computer used to access this payment portal, the date and time of access and details of the information downloaded. That information is used for internal statistical purposes and to improve this payment portal. Any other information supplied to us is treated in accordance with our privacy policy.
Contact
If you have any questions relating to these conditions of use, please contact us.

Privacy Policy – (AUS)

Scottish Pacific Business Finance
Scottish Pacific Business Finance includes Scottish Pacific Business Finance Pty Ltd (ABN 79 008 636 388), and Scottish Pacific Trade Limited (Hong Kong, CR No.1415813). This document sets out our policy on the management of personal information which we have about individuals. Those individuals include clients to whom we have provided a facility, guarantors of both individual and company clients and individuals who are customers of our clients.
Our privacy assurance to you
Your privacy has always been important to us. As our client, or someone in a business relationship with our client, we respect your right to be aware of who has information about you, what they are doing with it and why, and who else they are sharing it with. We have adopted a privacy compliance culture that cements this relationship with you. Its foundation is the new privacy laws which apply from 21 December 2001, including the National Privacy Principles. This privacy policy is issued in accordance with National Privacy Principle 5.1.
This privacy policy and other privacy documents
This privacy policy explains how we collect personal information and how we maintain, use and disclose that information. It outlines our policy in relation to the personal information we keep on record. It also provides some detail about your privacy rights along with our general rights and obligations.
When you apply for or use one of our products or services, you consent to us collecting, maintaining, using and disclosing personal information about you in accordance with your reasonable expectations, any forms or other documents which you may sign and this policy. That information can be provided by you or another person. Similar requirements apply if it is proposed that you guarantee another person’s obligations to us.
What information do we hold and how do we generally collect it?
If you are a client we collect information about you to provide you with the product or service you have requested. The type of information we collect and handle includes identity and contact details of you and your referees, information about your financial and business circumstances and history, and product or service preferences you may have.
If you are a client we collect personal information about you from you. On occasions, we obtain information about you from others. This allows us to provide the facility which you requested and to tailor our products and services to best suit your needs.
If you are anyone else, for example a guarantor or a customer of a client, we collect personal information about you from you or our client. On occasions we obtain information about you from others. The type of information we collect and handle includes identity and contact details of you and your referees, and information about your financial and business circumstances and history (including debt payment history). We collect and handle the information to assess and enforce your guarantee or your obligations.
Generally we will only collect personal information about you from others if it is not reasonable or practical for us to collect it from you or our client or if you consent. For example, you may authorise us to collect information from a third party, such as credit reporting agencies. We may also collect information about you from other members of the Scottish Pacific Business Finance or from publicly available sources such as company registers.
How does the Scottish Pacific Business Finance use your personal information?
Our use and disclosure of information about you is dictated by the product or service you or our client takes up. We will not use or disclose the information for a purpose unrelated to this or outside your reasonable expectations unless we have your agreement or need to meet a legal obligation.
All information sought is required for our business purposes, which are detailed generally in this privacy policy and more specifically in any form or other documents which you may sign.
To provide our products and services in the most cost effective and efficient way, we may decide to utilise the services of others. For example, we may use a mailing house to send monthly statements. If this requires us to share information, we will require those persons to respect your right of privacy.
Your personal information may also be used by us or other members of the Scottish Pacific Business Finance to help assess your total relationship and product holding within the Scottish Pacific Business Finance, analyse products and services, evaluate your needs and develop new products.
Unless you inform us or have previously told us not to, we may also provide access to your personal information to members of the Scottish Pacific Business Finance so that they can inform you of products and services offered by any member of the Scottish Pacific Business Finance or preferred organisations which may be of interest or value to you.
How we protect the security of your information
We take all reasonable steps to protect your personal information from misuse or loss and from unauthorised access, modification or disclosure.
We provide an appropriate level of security when you use Open Account or any of our other online products or services.
We have physical, electronic and procedural safeguards to protect your personal information which is held by us. For example, your personal information is stored in secured office premises, in electronic databases requiring logins and passwords for access and/or at secured warehouses. Access to personal information stored electronically is restricted to staff whose job purpose requires access. We require all staff to maintain the confidentiality of personal information which we hold.
We use secure methods to destroy or de-identify any personal information as soon as the law permits, provided the information is no longer needed by us for any purpose. Ordinarily, we destroy the information seven years from the date you cease to have a liability to us.
Changes to our Privacy Policy
We may amend this privacy policy from time to time and will inform you by posting the amended policy on our websites. Please visit http://www.scottishpacific.com.
What are your rights?
You need not give us any personal information about you or any other person which may be requested in our communications with you, except where you have agreed to do so in a document which you sign. However, without that information, we may not be able to process an application, fulfil your request or provide you with an appropriate level of service.
Information about our Products and Services
If you do not want the benefit of receiving information, special offers or exclusive opportunities about products and services (which may be supplied by us or any other member of the Scottish Pacific Business Finance or preferred suppliers) which we think may be of interest or value to you, then please tell us.
Access to your personal information
As required by National Privacy Principle 5.2 we will, on request, take reasonable steps to let you know generally what sort of personal information we hold, for what purpose, and how we collect, hold, use, and disclose that information. If you require this information please ask our Privacy Contact Officer for a “Privacy Information Sheet”.
Under National Privacy Principle 6 you can request access to personal information we hold about you. Please ask our Privacy Contact Officer for a “Request for Access to Personal Information” form. We will reply to your request within fourteen days of our receipt of the properly completed form.
There is no fee for requesting access to your information, however we may charge you the reasonable cost of processing your request. In our reply you will be given an estimate of the cost. You can then determine whether you would like us to continue with the processing of your request. We will complete the processing of your request within a reasonable time, usually fourteen days for a straightforward request. More time may be needed, depending on the nature of the request.
Sometimes we are not required to provide you with access – for example, if the law says we can deny access. If we refuse you access to your personal information, we will tell you the reason why. If we are not required to provide you with access to the information requested, we will consider, if reasonable, whether the use of a mutually agreed intermediary would allow sufficient access to meet your needs and ours.
Correction of Information
We try to ensure that all personal information we hold about you is accurate, complete and up to date.
You may ask us at any time to correct personal information held by us about you, which you believe is incorrect or out of date. We will deal with your request within a reasonable time.
If we disagree as to the accuracy of the personal information, you may request that we attach a statement to that information noting that you consider it is not accurate, complete or up to date.
How you may contact us
If you have any questions or concerns about our policy or practices please contact us.
Our contact details are:
Person Responsible: Privacy Contact Officer
Telephone: (03) 9820 1222
E-mail: privacy@scottishpacific.com
Mail: Privacy Contact Officer
Scottish Pacific Business Finance
GPO Box 9969
Melbourne VIC 3001
In this privacy policy, “we” or “us” means Scottish Pacific Business Finance Pty Ltd. Scottish Pacific Business Finance Pty Ltd includes Scottish Pacific Business Finance and FactorONE and companies that are related to, or owned by, Scottish Pacific Business Finance Pty Ltd. Members of Scottish Pacific Business Finance may change from time to time.
This privacy policy has been prepared to reflect the particular products of Scottish Pacific Business Finance and accordingly the Scottish Pacific Business Finance’s general privacy policy statement in relation to us should be read subject to this statement.

Privacy Policy – New Zealand

Department: Risk & Compliance
New Zealand Date Issued: Mar 2013
Scottish Pacific Business Finance
Scottish Pacific Business Finance includes Scottish Pacific Business Finance Ltd (company number 535333) and Scottish Pacific Business Finance Administration Ltd (company number 710913). This document sets out our policy on the management of personal information which we have about individuals. Those individuals include clients to whom we have provided a facility, guarantors of both individual and company clients and individuals who are customers of our clients.
Our privacy assurance to you
Your privacy has always been important to us. As our client, or someone in a business relationship with our client, we respect your right be aware of who has information about you, what they are doing with it and why, and who else they are sharing it with. We have adopted a privacy compliance culture that cements this relationship with you. Its foundation is the privacy laws contained in the Privacy Act 2003, including the Privacy Principles.
This privacy policy and other privacy documents
This privacy policy explains how we collect personal information and how we maintain, use and disclose that information. It outlines our policy in relation to the personal information we keep on record. It also provides some detail about your privacy rights along with our general rights and obligations.
When you apply for or use one of our products or services, you consent to us collecting, maintaining, using and disclosing personal information about you in accordance with your reasonable expectations, any forms or other documents which you may sign and this policy. That information can be provided by you or another person if you have consented to us doing so or we collect that information from a public source. Similar requirements apply if it is proposed that you guarantee another person’s obligations to us.
What information do we hold and how do we generally collect it?
If you are a client we collect information about you to provide you with the product or service you have requested. The type of information we collect and handle includes identity and contact details of you and your referees, information about your financial and business circumstances and history, and product or service preferences you may have.
If you are a client we collect personal information about you from you. On occasions, we obtain information about you from others if you have consented to us doing so or we collect that information from a public source. This allows us to provide the facility which you requested and to tailor our products and services to best suit your needs.
If you are anyone else, for example a guarantor or a customer of a client, we collect personal information about you from you or our client. On occasions we obtain information about you from others if you have consented to us doing so or we collect that information from a public source. The type of information we collect and handle includes identity and contact details of you and your referees, and information about your financial and business circumstances and history (including debt payment history). We collect and handle the information to assess and enforce your guarantee or your obligations.
Generally we will only collect personal information about you from others if it is not reasonable or practical for us to collect it from you or our client or if you consent. For example, you may authorise us to collect information from a third party, such as credit reporting agencies. We may also collect information about you from other members of the Scottish Pacific Business Finance or from publicly available sources such as company registers.
How does the Scottish Pacific Business Finance use your personal information?
Our use and disclosure of information about you is dictated by the product or service you or our client takes up. We will not use or disclose the information for a purpose unrelated to this or outside your reasonable expectations unless we have your agreement or need to meet a legal obligation.
All information sought is required for our business purposes, which are detailed generally in this privacy policy and more specifically in any form or other documents which you may sign.
To provide our products and services in the most cost effective and efficient way, we may decide to utilise the services of others. For example, we may use a mailing house to send monthly statements. If this requires us to share information, we will require those persons to respect your right of privacy.
Your personal information may also be used by us or other members of the Scottish Pacific Business Finance to help assess your total relationship and product holding within the Scottish Pacific Business Finance, analyse products and services, evaluate your needs and develop new products.
After you have signed our Application Form, which includes a consent for you to receive information and other material from us, we may forward to you information and promotional material about the products and services which members of the Scottish Pacific Business Finance Group can provide to you, unless you instruct us otherwise.
How we protect the security of your information
We take all reasonable steps to protect your personal information from misuse or loss and from unauthorised access, modification or disclosure.
We provide an appropriate level of security when you use Open Account or any of our other online products or services.
We have physical, electronic and procedural safeguards to protect your personal information which is held by us. For example, your personal information is stored in secured office premises, in electronic databases requiring logins and passwords for access and/or at secured warehouses. Access to personal information stored electronically is restricted to staff whose job purpose requires access. We require all staff to maintain the confidentiality of personal information which we hold.
We use secure methods to destroy or de-identify any personal information as soon as the law permits, provided the information is no longer needed by us for any purpose. Ordinarily, we destroy the information seven years from the date you cease to have a liability to us.
Changes to our Privacy Policy
We may amend this privacy policy from time to time and will inform you by posting the amended policy on our websites. Please visit http://www.scotpac.co.nz.
What are your rights?
You need not give us any personal information about you or any other person which may be requested in our communications with you, except where you have agreed to do so in a document which you sign. However, without that information, we may not be able to process an application, fulfil your request or provide you with an appropriate level of service.
Information about our Products and Services
After you have signed our Application Form, if you do not want the benefit of receiving information, special offers or exclusive opportunities about products and services (which may be supplied by us or any other member of the Scottish Pacific Business Finance or preferred suppliers) which we think may be of interest or value to you, then please tell us.
Access to your personal information
As required by Privacy Principle 3 we will, on request, take reasonable steps to let you know generally what sort of personal information we hold, for what purpose, and how we collect, hold, use, and disclose that information. If you require this information please ask our Privacy Contact Officer for a “Privacy Information Sheet”.
Under Privacy Principle 6 you can request access to personal information we hold about you. Please ask our Privacy Contact Officer for a “Request for Access to Personal Information” form. We will reply to your request within fourteen days of our receipt of the properly completed form.
There is no fee for requesting access to your information, however we may charge you the reasonable cost of processing your request. In our reply you will be given an estimate of the cost. You can then determine whether you would like us to continue with the processing of your request. We will complete the processing of your request within a reasonable time, usually fourteen days for a straightforward request. More time may be needed, depending on the nature of the request.
Sometimes we are not required to provide you with access – for example, if the law says we can deny access. If we refuse you access to your personal information, we will tell you the reason why. If we are not required to provide you with access to the information requested, we will consider, if reasonable, whether the use of a mutually agreed intermediary would allow sufficient access to meet your needs and ours.
Correction of Information
We try to ensure that all personal information we hold about you is accurate, complete and up to date.
You may ask us at any time to correct personal information held by us about you, which you believe is incorrect or out of date. We will deal with your request within a reasonable time.
I agree to the Terms & Conditions and Privacy Policy.