Privacy Policy

1. Introduction

This Privacy Policy applies to Angle Auto Finance Pty Ltd (ACN 161 130 696) trading as Ford Finance of Level 23, 400 George Street, Sydney, New South Wales, 2000 (“Ford Finance“, ” we“, “us” or “our“).

This Privacy Policy applies when we handle personal information of customers (or potential customers) while we are operating as or trading under the name ‘Ford Finance’. When we offer finance under the name ‘Angle Auto Finance’, the Angle Auto Finance Privacy Policy (available at angleauto.com.au/privacy) will apply instead. The Angle Auto Finance Privacy Policy also applies to our handling of the personal information about our own employees, contractors and other third parties that we deal with.

The Ford Finance Privacy Policy describes how we collect, use, store and disclose personal information and how we comply with the obligations under the Privacy Act 1988 (Cth) (the “Privacy Act“). This Privacy Policy does not apply to the handling of your personal information by Ford Motor Company of Australia Pty Limited (ABN 30 004 116 223) or any of its related companies (together, “Ford“). For details of how Ford handles your personal information please refer to the Ford Australia Privacy Policy (available at ford.com.au/privacy/fordaustralia).

This Privacy Policy should be read in conjunction with:

any privacy collection notice or privacy statement that we provide to you (and which details how and for what purpose we are collecting specific information); and
our Credit Reporting Policy (available at ford-finance.com.au/importantdocuments) that explains how we treat your credit information, credit eligibility information and credit reporting information.

2. Types of personal information we collect

If you are a customer or potential customer of ours in respect of finance provided under the Ford Finance name, we collect information about you and/or your spouse, partner or joint applicant, such as:

identification information (such as your name, address, age or date of birth, driver’s licence, passport or Medicare number);
contact details (such as email address, telephone number, residential address and postal address, if different to your residential address);
financial or payment information such as bank account details;
details of the finance-related products and services we have provided to you or that you have enquired about, including any additional information necessary to deliver those products and services and respond to your enquiries;
information about your financial and personal circumstances to substantiate your financial capability, such as payslips, income tax returns, business activity statements (for sole-traders or if you are self-employed), and other information on assets you own and any debts or other liabilities you might have;
other credit information including credit reports (as detailed in our Credit Reporting Policy);
information you provide to us in customer surveys or competitions; and
any additional information about you that you provide to us directly through the Ford Finance Website (available at ford.com.au/ford-finance and ford-finance.com.au) (“Ford Finance Website“) or indirectly through your use of the Ford Finance Website or online presence or through other websites or accounts from which you permit us to collect information (see section 3 below for more information).

We may also collect sensitive information about you in some circumstances. This may include:

health information that you provide to us (for example, if you make a consumer credit hardship request related to a health condition); or
biometric information that you provide to us or which we collect from third parties for the purposes of identity verification (such as using facial recognition or photo ID matching).

We will treat this information as required by law.

3. How we collect personal information

3.1 Directly from you

In many instances, we collect personal information directly from you. For example, if you are a customer, we may collect your information from an application form you have completed, when you use any features on the Ford Finance Website or when you contact us by phone, email, or through the Ford Finance Website. Your calls to us may also be recorded and monitored for training, verification and compliance purposes.

You do not have to disclose personal information to us. However, if you do not provide certain information we request, we may not be able to answer any queries you might have or process or accept your application for credit. We also may not be able to verify your identity or protect against fraud.

3.2 From an applicant

In the case of a joint application for our products or services we may collect information about you (such as information relating to your expenses and income) from a joint applicant for our products and services. For example, we may collect information about you from your spouse or partner if you jointly apply for credit from us.

If you provide information about your spouse, partner or joint applicant to us, you must ensure that they have read this Privacy Policy, our Credit Reporting Policy and any other privacy collection notice, privacy statement or privacy consent form that we provide to you in relation to your joint application.

In the case of an application on behalf of a business we may collect information from the applicant on individuals that are relevant to that business (such as directors, owners, shareholders, beneficial owners or the beneficiaries or trustees of a trust that is relevant to that business).

3.3 From Ford, authorised Ford dealers and other third parties

If you are a customer or potential customer, we may collect information about you from Ford, from authorised Ford dealers and from other third parties who provide customer acquisition and onboarding services to us.

We may also collect information about you from other third parties as described above, and also from your employer, credit reporting bodies, government agencies, regulators and other third party service providers.

3.4 Through other means (website, cookies)

We may collect information about you through other means. Some of this information may not identify you, but if you are reasonably identifiable from the information that we collect then we will handle this information in accordance with the Privacy Act.

When you visit the Ford Finance Website:

We may collect certain information such as browser type, operating system, website visited immediately before coming to our site, etc. This information may be used in an aggregated manner to analyse how people use our site, such that we can improve our service.

Cookies:

We may from time to time use cookies on the Ford Finance Website. Cookies are very small files which a website uses to identify you when you come back to the site and to store details about your use of the site. Most web browsers automatically accept cookies but you can choose to reject cookies by changing your browser settings. However, this may prevent you from taking full advantage of the Ford Finance Website. The Ford Finance Website may from time to time use cookies to analyse website traffic and help us provide a better website visit or experience. In addition, cookies may be used to serve relevant ads to website visitors through third party services such as Google AdWords. These ads may appear on this website or other websites you visit.

Third party sites:

The Ford Finance Website may from time to time have links to other websites not owned or controlled by us. These links are meant for your convenience only. Links to third party websites do not constitute sponsorship or endorsement or approval of these websites. Please be aware that Ford Finance is not responsible for the privacy practices of such other websites. We encourage our users to be aware when they leave our website and to read the privacy policies of such other websites that they visit.

4. Why we collect, use and disclose personal information

We may collect, hold, use and disclose your personal information for our business operations and activities.

If you are a customer or potential customer of ours, we may collect, hold, use and disclose your personal information and sensitive information:

to verify your identity;
to consider your creditworthiness (as set out in more detail in our Credit Reporting Policy);
to arrange or provide credit to you (including to act on your instructions and to administer and complete your transaction);
to manage that credit (including to assess hardship applications and to collect overdue payments);
to communicate with you and to respond to your enquiries and resolve complaints and disputes;
to send you (either directly or through our service providers acting on our behalf) marketing and promotional messages and other information that may be of interest to you including industry updates;
for the purpose of customer surveys, contests and other promotional activities or events;
to facilitate, improve and optimise our services/operations and our customers’ experience (for example, by performing analytics and conducting research for advertising and marketing); and
to comply with our regulatory or legal obligations, report to regulators and authorities and assess our legal compliance (including through external audits).

If you, or your employer, have any business dealings with us, we collect, use and disclose information about you for the purpose of those business dealings.

5. Who we disclose personal information to

We may disclose your personal information for the purposes described in this Privacy Policy to third parties such as:

Ford and authorised Ford dealers;
our related entities;
our service providers and commercial partners who assist us by, for example, by providing marketing services, data analytics services, market research services, IT services, back-office management services, identity verification services or customer acquisition and onboarding services;
persons you have authorised us to provide your information to (such as additional account holders or your authorised representatives);
financial institutions and payment system operators (including merchants);
our insurance brokers, providers and consultants;
our professional advisers, and agents (including independent auditors, legal and tax advisers);
debt collection agencies and other third parties that assist us with debt recovery;
any third parties who acquire any rights or interests in any amounts or debts that you owe to us (including if we assign, transfer or novate your agreement with us);
the sponsors or promoters of any competitions that we conduct;
credit reporting bodies (for more information, see our Credit Reporting Policy); and
state and federal government agencies, regulatory bodies and law enforcement agencies or other persons as required or permitted by law.

6. Overseas disclosure

We may disclose your information to entities outside of Australia. These entities include:

our related entities and service providers located in the United States of America, the Philippines and India; and
Ford Motor Company (Ford’s parent company) in the United States of America and to its other related companies, including in India and in the United Kingdom. Your information may be stored overseas in Ford servers and third-party cloud infrastructure and disclosed by Ford to other third parties, including in the United States, United Kingdom, Germany, France, Spain, South Africa, Bulgaria, India, Philippines, China, Thailand, Singapore and any other countries referred to from time to time in the Ford Australia Privacy Policy referred to above.

We only disclose your information to entities outside of Australia for our business functions or for the purposes of providing services to you. Where we do so, we ensure that the disclosure of and access to that information is secure and appropriate controls are in place.

7. Security

Ford Finance maintains strict procedures and standards and takes all reasonable care to prevent unauthorised access to, and modification and disclosure of, your personal information. We also take all reasonable care to protect any personal information we hold against misuse or loss.

We may store your personal information in paper or electronic form. If we no longer need your personal information, we will take steps to either destroy the information or de-identify it.

8. Requests to access or correct personal information

We take reasonable steps to ensure that the personal information we collect, use and disclose is accurate, complete, up to date and relevant. If you believe the personal information that we hold about you is inaccurate, incomplete or outdated, please contact us using the details at the end of this Policy to request that your personal information be corrected.

You can request access to the personal information that we hold about you at any time by contacting us using the details at the end of this Policy. We will respond within a reasonable period of receiving your request. If we refuse your access or correction request, we will tell you why.

9. Privacy complaints

If you believe that we have breached the Privacy Act, or you wish to make a complaint about the way we have handled your personal information, you can contact us using the details at the end of this Policy. We will make every effort to resolve your complaint internally within a reasonable time.

If you remain dissatisfied with the handling of your complaint, you may lodge a complaint with the Office of the Australian Information Commissioner (“OAIC“). For further information regarding how to make a complaint to the OAIC, you can visit oaic.gov.au/individuals/how-do-i-make-a-privacy-complaint.

We have also included the OAIC’s contact details below:

Office of the Australian Information Commissioner
GPO Box 5288
Sydney NSW 2001
Phone: 1300 363 992

10. Updates

We may modify this Privacy Policy from time to time. If we do, we will post the updated Privacy Policy on the Ford Finance Website. We encourage you to periodically review our Privacy Policy for any changes.

11. Contact us

If you have any questions regarding this privacy policy or would like more information about the way we manage your personal information, please contact us as follows:

Email: customercare@ford-finance.com.au

Telephone: 13FORD (13 36 73) or direct on 1300 280 583

Post:
Ford Finance
PO Box 20125
World Square NSW 2002

Effective Date: August 2025