Privacy Policy

Version SGAU042019


SG Fleet Australia Pty Limited (we, us, our) is a wholly owned subsidiary of SG Fleet Group Limited (ACN 167 554 574), a company listed on the Australian Securities Exchange.

We take our obligations to protect personal information seriously. We are bound and abide by the Australian Privacy Principles in the Privacy Act 1988 (Cth) (Privacy Act). This document is our Privacy Policy and it tells you how we will collect and manage your personal information.

By using our website and/or providing information to us, you accept and agree to the collection and use of your personal information in accordance with this Privacy Policy.

What is personal information?

Under the Privacy Act, personal information is information or an opinion about an identified individual, or an individual who is reasonably identifiable, whether the information or opinion is true or not; and whether the information or opinion is recorded in a material form or not. Personal information includes information such as your name, age or contact details.

The personal information we collect 

We may collect personal information that is reasonably necessary for us to carry out our business activities and provide you with our products and services. We may collect and hold the following types of personal information:

  • your name, address, phone number and other contact details, marital status and gender;
  • employment-related information such as your profession, occupation or job title, employer and payroll information;
  • banking or credit card details;
  • financial information and supporting documentation;
  • identification information;
  • transaction history information;
  • legal proceedings;
  • vehicle-related information such as your driver’s licence, driving speeds, patterns and locations, fuel fills and purposes of travel; and
  • personal references.

We may also collect information about your health (particularly if you purchase involuntary unemployment insurance or accident, life or sickness insurance or make a disclosure or claim relating to those insurances) or criminal convictions which are defined as sensitive information in the Privacy Act. We will only collect sensitive information with your consent.

We are required to collect your name, address, date of birth and other verification information under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and are authorised to collect personal information under the Personal Property Securities Act 2009 (Cth).

Where applicable, we may be authorised to collect your tax file number for the purposes of managing your superannuation contributions under a salary packaging arrangement which has been agreed between you and your employer. Access to tax file number information for such purpose is required under taxation and superannuation laws such as the Income Tax Assessment Act 1936 and the Superannuation Industry (Supervision) Act 1993. In order to send contributions using SuperStream*, we are also required to collect the unique superannuation identifier (for APRA-regulated funds), electronic service address (ESA) for Self-Managed Super Funds and the bank account details of your nominated super fund.

* All superannuation contributions made under a salary sacrifice arrangement must be sent using the SuperStream data and payment standard. For more information on SuperStream, please refer to

If, at any time, you provide us with the personal details of someone else (e.g. spouse), you must ensure that the person has read and understood this Privacy Policy and separately consented to his or her personal information being used and disclosed to us by you for the purposes detailed in this policy.

How do we collect your personal information?

We collect your personal information directly from you unless it is unreasonable or impracticable to do so. When collecting personal information from you, we may collect in ways including:

  • through your use of our website; or
  • when you complete an application.

We may also collect personal information from third parties including:

  • introducers and employers;
  • finance providers;
  • service providers including fuel suppliers, insurance providers, maintenance providers, accident management or roadside assistance suppliers;
  • credit reporting bodies and other credit providers who have provided credit to you;
  • credit reference and fraud protection agencies and government registers and agencies including the register under the Personal Property Securities Act 2009 (Cth); and
  • from persons who know you including persons with whom you are financially linked.

What happens if we can’t collect your personal information?

If you choose not to provide personal information, some or all of the following may happen:

  • we may not be able to provide you with the products and services that you require;
  • we may not be able to provide you with information about our products and services;
  • we may be unable to tailor the content of our websites to your preferences; or
  • where we are authorised to collect your tax file number and you decline to do so, there may be tax implications for you. (It is not an offence to decline to quote your tax file number).

How we use the personal information we collect

We collect, hold, use and disclose your personal information for the following purposes:

  • to provide products and services to you and your employers and to operate, administer and communicate with you about those products and services and transactions relating to them;
  • to respond to your queries;
  • to obtain and provide you with quotes;
  • to search for and register interests under the Personal Property Securities Act 2009 (Cth);
  • to provide you with access to protected areas of our website;
  • to assess the performance of the website and to improve the operation of the website;
  • to assess the suitability of our products and services for you including the making of credit decisions and assessments about you which may involve credit scoring and to decide whether to provide you with products and services on credit (i.e. where you pay for these products and services after we supply them to you);
  • marketing purposes and analysis;
  • to develop, improve and market our products and services generally;
  • to understand your purchasing preferences;
  • for fraud prevention
  • for debt recovery;
  • where a third party has introduced your custom to us, we may pass back to the third party the necessary information to enable administration of any payment or settlement; and
  • where applicable, so that we comply with relevant taxation and superannuation laws, we will forward all necessary data (including tax file number) associated with superannuation contributions, to a third party solution partner who meets the SuperStream* standard.

We may use your personal information with a process known as credit scoring and may use other automated decision making processes to assist in the assessment of applications and to make other decisions during your relationship with us. Applications and decisions may also be reviewed manually.

* All superannuation contributions made under a salary sacrifice arrangement must be sent using the SuperStream data and payment standard. For more information on SuperStream, please refer to

Direct marketing

We may use your personal information for marketing and promotional purposes and may send you information about other services and products that may be of interest to you. Our communications to you may be sent in various forms such as mail, SMS and email. You consent to us sending you marketing communications. If you indicate a preference for a method of communication we will endeavour to use that method wherever practical to do so. If you do not wish to receive information about our products and services or those of other members of the Group you may notify us using the contact details provided below or by using any opt-out facilities provided in the marketing communications.

Disclosure of information

We may disclose your personal information to:

  • our related bodies corporate or contractors who may deal with your personal information in accordance with their own privacy policies (these individuals have a responsibility to keep your information confidential);
  • insurers, financiers and rating agencies, others of those financier group companies, contractors or other third party service providers (particularly in the provision to you of products and services involving insurance and finance we are required to pass your details to insurers and financiers);
  • financiers and credit reporting and rating agencies
  • for the purpose of the funding, refinancing, sale or securitization associated due diligence and review of the products and related services provided to you;
  • service providers, such as web site hosting providers, IT system administrators and digital transaction management providers;
  • others to verify that it is correct;
  • third parties including government agencies or toll road operators where required or allowed by law or court or tribunal order or in order to register or to protect our interests or to deal with infringements;
  • any party acting on your behalf (e.g. financial advisers, lawyers, or accountants);
  • your employer or your guarantor;
  • suppliers of purchased goods or other persons who have or require an interest in the purchased goods;
  • organisations to whom we outsource functions including professional advisers and collection and mercantile agents;
  • third party service providers in respect of your products and related services including service providers assisting you with repairs and claims and any person who introduces you to us; and
  • where applicable, so that we comply with relevant taxation and superannuation laws, we will forward all necessary data (including tax file number) associated with superannuation contributions, to a third party solution partner who meets the SuperStream* standard.

* All superannuation contributions made under a salary sacrifice arrangement must be sent using the SuperStream data and payment standard. For more information on SuperStream, please refer to

We may disclose personal information, in response to properly made requests, for the purpose of the prevention and detection of crime, and the apprehension or prosecution of offenders. We may also disclose information for the purpose of safeguarding national security. We also disclose information when required to do so by law, for example under a court order, or in response to properly made demands under powers contained in legislation.

Do we disclose your personal information outside of Australia?

We disclose personal information outside Australia and we take reasonable steps to ensure that any overseas recipient handles your personal information in accordance with the Privacy Act. We may disclose your personal information to:

  • our related bodies corporate in United Kingdom and New Zealand; and
  • our funders and their related companies and service providers, including to such entities in Austria, Bermuda, Brazil, Bulgaria, Canada, China, Costa Rica, Denmark, Fiji, Finland, France, Germany, Hong Kong, India, Indonesia, Ireland, Israel, Japan, Luxembourg, Malaysia, Malta, Mexico, Mongolia, Netherlands, New Zealand, Philippines, Russia, Singapore, South Africa, South Korea, Spain, Switzerland, Taiwan, Thailand, United Arab Emirates, United Kingdom and United States of America; and
  • our service providers (other than our funders) in Belgium, Canada, Germany, Hong Kong, India, Malaysia, New Zealand, Philippines, Singapore, United Kingdom and United States of America.

How can you access and correct your personal information?

You may request access to any personal information we hold about you at any time by contacting us (see details below). Where we hold information that you are entitled to access, we will try to provide you with suitable means of accessing it (for example, by mailing or emailing it to you). We may charge you a fee to cover our administrative and other reasonable costs in providing the information to you. We will not charge for simply making the request and will not charge for making any corrections to your personal information.

There may be instances where we cannot grant you access to the personal information we hold. For example, we may need to refuse access if granting access would interfere with the privacy of others or if it would result in a breach of confidentiality. If that happens, we will give you written reasons for any refusal.

If you believe that personal information we hold about you is incorrect, incomplete or inaccurate, then you may request us to amend it. We will consider if the information requires amendment. If we do not agree that there are grounds for amendment then we will add a note to the personal information stating that you disagree with it.

We wish our service to meet your expectations on all occasions. To do so we need the information we hold about you to be accurate and up to date. Please help us by informing us promptly of any changes to your personal details.

What is the process for complaining about a breach of privacy?

If you believe that your privacy has been breached, please contact our Privacy Officer using the contact information below and provide details of the incident so that we can investigate it.

We request that complaints about breaches of privacy be made in writing, so we can be sure about the details of the complaint. Our Privacy Officer deals with privacy complaints and any complaints should be directed to our Privacy Officer using the contact details below. We will attempt to confirm as appropriate and necessary with you your understanding of the conduct relevant to the complaint and what you expect as an outcome. We will inform you whether we will conduct an investigation, the name, title, and contact details of the investigating officer and the estimated completion date for the investigation process.

After we have completed our enquiries, we will contact you, usually in writing, to advise the outcome and invite a response to our conclusions about the complaint. If we receive a response from you, we will assess it and advise if we have changed our view. Complaints about our actions or practices may be investigated by the Information Commissioner, who may conciliate a resolution. This could include taking steps to address the matter, an apology, a change to our practices or procedures, staff training, compensation, or other non-financial options.

How we hold and protect your data

We take all reasonable care to prevent any misuse, loss, unauthorised access, modification or disclosure to your personal data and to keep it secure.

When you log into the secure section of our website we use a secure server. Any data you give us when you are logged into the secure section of our website is encrypted using a Secure Socket Layer (SSL) session. SSL is an industry standard and is one of the best ways to ensure Internet messages are not intercepted. You should be aware, however, that some older browsers cannot use SSL. If your browser does not support 128 bit encryption (or higher) you will not be able to log into or use our secure website services.

Our general email enquiry forms are not sent via an encrypted channel and for this reason we ask that you do not include confidential information or sensitive personal information when using them.

While we use SSL encryption to protect user information online, we will use all reasonable endeavours to protect user information off-line. However, any personal details or other information entered onto or submitted through the site or by email to us is entered or transmitted at the user’s risk and we shall not be liable for any such information being intercepted or accessed by any third party without our knowledge.

Security of communications over the internet cannot be guaranteed, and therefore we cannot provide absolute assurance that information will be secure at all times.

Where we are authorised to collect your tax file number, we have strict security measures in place to prevent unauthorised access, modification and disclosure of such information. We take all reasonable measures to securely destroy or permanently de-identify tax file information where we no longer require it for the purposes of managing your superannuation contributions under a salary packaging arrangement as agreed between you and your employer.

If you have given us permission to conduct business with you by electronic means then your personal information may be stored by our third party document handler, DocuSign, but for no longer than 6 months.

Use of cookies

A cookie is a small file which is sent to your browser and stored on your computer and helps us understand and track your use of our website and where we can improve the information and services we provide to you.

We may work with third parties to research certain usage and activities on our website. No personal information about you is shared except to the extent it is required to be used by a third party or parties for providing such research, and in the course of conducting this research we, and these third parties, may place a unique “cookie” on your browser.

We use cookies to gather information on IP addresses, to analyse trends, administer the site, track users’ movements on the site and gather broad demographic information for aggregate use. IP addresses are not linked to other personally identifiable information and will not be used to deliver targeted marketing messages.

If our website requires you to register or login to gain access to the website, cookies are used to assist in this process. Cookies are used as part of the registration process, and they are also used to store the username while the user is logged into the site and to track the number of times the user has tried to log in during a single visit.

For information about blocking the use of cookies, please refer to the instructions/help screen on your Internet browser. Please note that you may not be able to use or access certain parts of the website or online services if you block the use of cookies.

Contact us

We have developed this policy so that you may feel confident about the privacy and security of your personal information.

If you have any questions about this privacy policy, any concerns or a complaint regarding the treatment of your privacy or a possible breach of your privacy, please contact us by:


Telephone:    (02) 9494 1000

Post:              Privacy Officer
                       SG Fleet Australia Pty Limited, Locked Bag 1003,
Gordon NSW 2072

We will treat your requests or complaints confidentially. Our representative will contact you within a reasonable time after receipt of your complaint to discuss your concerns and outline options regarding how they may be resolved. We will aim to ensure that your complaint is resolved in a timely and appropriate manner.

Changes to our Privacy Policy

We reserve the right to modify or supplement this Privacy Policy from time to time. Therefore please check it regularly.

This Privacy Policy supplements, but does not supersede, the Website Terms and Conditions.

Last updated: April 2019