Important Information

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Important information relating to credit reporting.

Credit Reporting Policy

Credit Reporting Policy

This policy sets out the approach adopted by John Deere Financial (JDF) to the collection, handling, use and disclosure of your consumer credit-related information, including information about your credit applications and credit facilities with us and the credit reporting information about you that we obtain from credit reporting bodies (CRBs).

The purpose of this Credit Reporting Policy is to tell you how we manage “credit information” (which refers to information related primarily to you or your credit-related dealings with us which we may disclose to CRBs, such as information that identifies you and about your application for credit and your credit facility and status) and “credit eligibility information” (which refers to information related primarily to your credit-related dealings with other credit providers and comprises of “credit reporting information” disclosed by CRB’s to us and information we derive from that).


This Credit Reporting Policy applies to current and former credit customers and other individuals we deal with in relation to whom we hold credit information or credit eligibility information no matter how they interact with us (e.g. on-line, in person or over the phone).


For information about JDF’s management of your other personal information, which may include commercial credit-related information, please see the Global Enterprise Statement available by visiting Privacy and Data.


Credit-related information John Deere Financial usually collects and how it is collected


JDF collects, holds and discloses various types of credit information and credit eligibility information, including:

  • identification information such as your name and addresses, date of birth, occupation, name of your employer and your driver's licence number;
  • that you have applied for consumer or commercial credit, the type and amount of that credit and the fact we have accessed your consumer credit information to assess a relevant application;
  • that we have been a provider of credit to you and the type of account, the date the account was opened and closed and maximum amount of credit that we have provided or will provide;
  • the date that any credit contract we have or had with you was entered into and the date that it is terminated or ceases;
  • your repayment history i.e. whether or not you made any payment that was due in a particular month, and where a payment was overdue, when it was ultimately paid;
  • default information about you. i.e. information about a payment owed by you as a borrower or guarantor in connection with consumer credit that remains overdue for more than 60 days and which we can disclose to a credit reporting body if certain requirements under the Privacy Act 1988 (Cth) (Privacy Act) are met;
  • payment information about some of your overdue payments e.g. a statement that an overdue payment in relation to which default information was provided to a credit reporting body has been paid;
  • an opinion we have on reasonable grounds that you have committed a serious credit infringement in relation to consumer credit that we have provided to you;
  • whether you have entered into arrangements with us in connection with credit provided to you;
  • court proceedings information, personal insolvency information and credit-related publicly available information; and
  • other information relating to your credit worthiness which is derived by us or by CRBs wholly or partly on the basis of the information above.


This information may be collected in a number of ways, such as obtaining it directly from you or from persons acting on your behalf (including on application forms or other forms or in our ongoing dealings with you in connection with credit). Some information (i.e. credit reporting information) will be obtained from CRBs.  Some information will also be derived by us from your usage and (where applicable) repayment of any account held with us.



Purposes for which John Deere Financial may collect, hold, use and disclose your credit-related information


JDF may collect, hold, use and disclose your credit information and credit eligibility information as reasonably necessary for its business purposes and as permitted by law. These purposes include:

  • to assess an application by you, or an entity associated with you, for credit (including assessing any proposed guarantors);
  • to manage credit we may provide (including servicing and administration of our accounts and products);
  • to participate in the credit reporting system and providing information to CRBs as permitted by Part IIIA of the Privacy Act and the Credit Reporting Privacy Code (CR Code);
  • for internal management purposes;
  • to undertake securitisation activities;
  • to assist you if we consider that you may be at risk of defaulting on your credit-related obligations;
  • to undertake debt recovery and enforcement activities, including in relation to guarantors, and to deal with serious credit infringements;
  • to meet our legal and regulatory requirements (such as reporting matters to regulators or enforcement bodies when authorised or required by law);
  • to deal with complaints and legal proceedings; 
  • to derive scores, ratings and other information relating to your credit worthiness which are used in our decision-making processes; and
  • to assist other credit providers to do the same.


Some credit information and credit eligibility information may only be used or disclosed under the Privacy Act for some of these purposes or in certain circumstances, including in some circumstances where we have your consent.



Exchanges of information about you with credit reporting bodies


JDF may obtain credit reporting information about you from CRBs. JDF may also disclose your credit information to CRBs for purposes such as those described above where the Privacy Act permits us to do so.  Those CRBs may include credit information provided by JDF in reports that they provide to other credit providers to assist them to assess your credit worthiness.


For example, we will provide information that identifies you and about your application for credit when obtaining credit reporting information for the purposes of assessing that application.


Should you fail to meet your payment obligations to us or commit a serious credit infringement in relation to credit provided by us, we may be entitled to disclose this information to CRBs.


JDF shares your credit information with the following CRB:

 

Equifax Pty Ltd

Website: www.equifax.com.au 

Postal address: PO Box 964, North Sydney, NSW 2059


This CRB has a policy which sets out its management of credit reporting information. To access this, please visit their website and follow the “Privacy” links, or you can contact the CRB directly for further information.


You have the right to request that the CRB exclude your credit reporting information from pre-screening for direct marketing offers by JDF, which JDF may request the CRB to perform. You should contact each relevant credit reporting body directly if you wish to request this.


You also have the right to request that the CRB not use or disclose credit reporting information it holds about you in circumstances where you reasonably believe that you have been or are likely to be a victim of fraud, including identity-related fraud.  You must contact the CRB directly should this be the case.



Third parties to whom JDF may disclose your credit-related information


We may as permitted by law disclose your credit information or credit eligibility information to third parties, including:

  • some intermediaries;
  • other credit providers;
  • our related companies;
  • organisations that perform credit assessment, management and debt collection activities on our behalf;
  • current or prospective guarantors or security providers in relation to credit we are providing to you; and
  • organisations involved in debt assignment or securitisation arrangements.


In some circumstances we may require your consent before being able to make such disclosures.



Disclosure of your credit eligibility information to overseas recipients


We utilise overseas service providers for some of our activities and so may need to disclose credit information or credit eligibility information to those service providers.   We may also disclose such information to other overseas recipients, including our related companies, for the purposes listed above when permitted to do so by the Privacy Act.


These countries in which such service providers and other recipients are likely to be located may include Australia, New Zealand, United States of America, Canada, Germany and India.



How your credit-related information is held and protected


We treat the protection of credit information and credit eligibility information we hold very seriously. We may hold your credit information and credit eligibility information in physical form or in electronic form on our systems located in Australia or overseas, including with related companies and third party service providers.  This information we hold about you is protected by physical, electronic, and procedural safeguards.

 


Access to and correction of personal information


You may access the credit eligibility information which we hold about you by contacting us on 1800 857 057.


We will need to verify your identity where you make an access request. We will usually provide the information requested within 30 days.  We will advise you in writing if we are unable to agree to a request for access to your credit eligibility information and will provide our reasons for this.


You will not be charged for making an access request however we may apply an administration charge for providing access in accordance with your request.


If you believe that any credit information or credit eligibility information held by us about you is incorrect, you have the right under the Privacy Act to request that we correct that information. You may make a correction request by contacting us on 1800 857 057. We will advise you in writing if we are unable to agree to a request for correction of your credit information or credit eligibility information and will provide our reasons for this.



Privacy complaints and disputes about our compliance with our credit reporting obligations


If you  wish to complain about a failure on the part of JDF to comply with obligations under Part IIIA of the Privacy Act and the CR Code which affects your credit-related information, please contact JDF on 1800 857 057. You can also:

  • Email us at 23JDFinancial@JohnDeere.com
  • Fax us a letter to +61 (07) 3802 3142
  • Send a letter to the JDF Privacy Officer at our street address: 166-170 Magnesium Drive, Crestmead Qld 4118


You will receive an acknowledgment of your complaint as soon as practicable and in any case within 7 days after we receive it.


JDF is committed to a fair and prompt resolution of any complaint. Once your complaint is received, our Privacy Officer will liaise with managers and staff to resolve the complaint. If:

  • we consider it necessary in order to deal with your complaint, we will consult with another credit provider or a credit reporting body; and/or
  • while the complaint remains unresolved, we are disclosing information subject to the complaint to a third party, we will advise the third party about the complaint (except if it is impracticable to do so or we are legally prohibited from giving that notice).


Unless there are exceptional circumstances, we will respond to your complaint within 30 days of receipt of the initial complaint. If we do not expect to resolve the complaint within 30 days, we will inform you before the end of that period, provide the reason for the delay time, the expected timeframe to resolve the complaint and seek your agreement to an extension for a reasonable period.


We will provide you with a written notice setting out the decision and the reasons for that decision.


All complaints will be processed at no charge to you.


If the complaint remains unresolved you may wish to contact the Credit and Investments Ombudsman, JDF’s  external dispute resolution (EDR) scheme, or make a complaint to the Office of the Australian Information Commissioner  (the “OAIC”).

 

Credit and Investments Ombudsman may be contacted as follows:

Reply Paid 252, South Sydney, NSW 1234

www.cio.org.au 

Phone: 1800 138 422

Fax: (02) 9273 8440

Email: info@cio.org.au

 

The contact details for the OAIC are:

The Office of the Australian Information Commissioner
GPO Box 2999

Canberra ACT 2601

Australia
Phone: 1300 363 992
Fax: 02 9284 9666
Website: www.oaic.gov.au

Important information relating to Credit Reporting

Important information relating to Credit Reporting

This statement contains important information about credit reporting that is relevant to you if:

  • you are an individual making an application for finance, or who holds a finance product, provided by John Deere Financial Limited ABN 55 078 714 646 (referred to in this statement as “we”/“us”); or
  • we deal with you in connection with an application for finance by, or finance provided to, another person (for example, if you are a guarantor or proposed guarantor for that finance or if you are a director or a shareholder of a company obtaining finance).


We may disclose your personal information to a credit reporting body
:

We may disclose personal information about you in connection with your finance-related dealings with us to a credit reporting body.  The credit reporting body may, in turn, include this information in reports that they provide to other credit providers to assist them to assess your credit worthiness.

For example, if you fail to meet your payment obligations to us or commit a serious credit infringement in relation to finance provided by us, we may be entitled to disclose this information to a credit reporting body.


We disclose information to the following credit reporting body:

Equifax Pty Ltd

Website: www.equifax.com.au

Postal address: PO Box 964, North Sydney, NSW 2059


This credit reporting body has a policy which sets out its management of credit-related personal information. To access this policy, please visit the credit reporting body’s website and follow the “Privacy” links, or you can contact the credit reporting body directly for further information.


Excluding your credit reporting information from direct marketing pre-screening
:

You have the right to request that a credit reporting body exclude your credit reporting information from being used by them in connection with pre-screening for direct marketing offers, which a credit provider may request the credit reporting body to perform.  You should contact the credit reporting body directly if you wish to request this.


Protecting your credit reporting information if you are the victim of fraud:

You also have the right to request that a credit reporting body not use or disclose credit reporting information it holds about you if you believe that you have been, or are likely to be, the victim of fraud (including, for example, identity-related fraud). You should contact the credit reporting body directly if you wish to request this.


Accessing or correcting your personal information or making a privacy complaint:

You have rights to request access to personal information that we hold about you, including credit-related information.  You also have rights to request correction of this information.  In addition, you have right to make a complaint if you consider that we have failed to comply with the Privacy Act 1988 (Cth) in relation to this information.  Our Credit Reporting Policy sets out how you can make such requests or a complaint and how we will deal with them.


For details about how our management of credit-related personal information that we hold about you, including credit reporting information, please see our Credit Reporting Policy or you can call 1800 857 057.

Anti-Money Laundering Information

Anti-Money Laundering Information

John Deere Financial must identify all customers who finance with us in accordance with the requirements of the Anti-Money Laundering and Counter-Terrorism Financing (AML/CTF) Act 2006 and the AML/CTF Rules. Please click on the relevant customer type below to understand the information and documentation requirements for your entity type. We will also verify some aspects of the information that we collect. 


Please note these checklists are for standard identification purposes only and don’t represent full application requirements. JDF may ask for information other than that listed here, such as financial information to assess your application for credit. 

If you are a type of borrowing entity not listed below, please contact JDF’s Sales Finance Centre on 1800 857 057. 

Individual AML Checklist 
Company AML Checklist 
Deceased Estate AML Checklist 
Incorporated Association AML Checklist 
Registered Co-Operative AML Checklist 
Trust AML Checklist

John Deere Limited Privacy Statement

John Deere Limited

Effective March 11, 2014

In addition to Deere's global Enterprise Privacy Statement, the following terms apply to personal information that a Deere Group Member collects in New Zealand or Australia. “Deere Group Members” or “Deere” means John Deere and its controlled affiliates. “We” means the Deere Group Member that actually collects your personal information. If we intend to refer to a particular Deere Group Member, we mention that company's full name.


1. You may limit the personal information you provide to us. You should be aware, however, that if you choose not to provide certain personal information, this may affect our ability to process your application, fulfil your request, or provide you a service or product.


2. We may disclose your personal information to a Deere Group Member, or to a John Deere dealer, which may be located in the United States of America, Canada, New Zealand, Australia, Germany, India or Singapore.

 
3. If you use the ‘Tell-A-Friend Function’ described in clause six of the Enterprise Privacy Statement, you confirm that you:

a. are authorised to provide us with the friend’s contact details; and

b. have obtained the friend’s consent to receive an email from Deere.


4. Personal information, other than personal information collected by John Deere Financial (“JDF”) is held by Deere at 400 19th Street, Moline, Illinois 61265, USA. Personal information JDF collects is held by JDF at 166-170 Magnesium Drive, Crestmead, Queensland 4132, Australia.


5. If you wish to complain about a failure by a Deere Group Member in Australia or New Zealand (other than JDF, whose complaint procedures are in a separate statement found on this website) to comply with the Australian Privacy Act 1988, applicable Australian Codes that affect your privacy, or privacy principles under the Privacy Act, please contact:

John Deere Limited - Head Office
166-170 Magnesium Drive
Crestmead, Queensland 4132, AUSTRALIA

Australia : Free call: 1800 800 981 / Phone: +61 7 3802 3222

New Zealand: Free call: 0800 303 100

We will send you an acknowledgment of your complaint within 7 days.

 

Updates to the Privacy Policy

John Deere Limited will publish updates to the privacy policy on this website.

John Deere Financial Limited Privacy Statement

John Deere Financial Limited

Effective March 11, 2014

John Deere, a global company with controlled affiliates in a number of jurisdictions, has a Global Privacy Policy called the Enterprise Privacy Statement which sets out how it manages personal information across all jurisdictions. This Privacy Policy for Australia and New Zealand is given on behalf of John Deere Financial Limited and contains additional privacy information which is relevant where your personal information is collected by John Deere Financial in Australia and New Zealand. We suggest that you read both the Enterprise Privacy Statement and the Privacy Policy for Australia and New Zealand together. To assist you to understand how these policies interact, we have cross-referred to the Enterprise Privacy Statement in this Privacy Policy for Australia and New Zealand.


For information about our management of your credit-related information, please see our Credit Reporting Policy which contains information about credit reporting, including the credit reporting bodies with which we may share your credit information and credit eligibility information. 


Personal information John Deere Financial usually collects and how it is collected

Clauses 1, 5 and 14 of the Enterprise Privacy Statement sets out the types of personal information that John Deere Financial may collect and hold. Other examples of information that John Deere Financial may also collect include:

  • information such as assets, expenses and income as needed to assess your application for finance or to be a guarantor;
  • government identifiers such as ABN (company number in New Zealand), passport number or pension card number (for example, to verify your identity at the time you request a product or service);


In most cases, no sensitive information is collected. However the John Deere Entities may collect sensitive information that comprises information about your health (for example, health information you provide to us when you make a hardship application in connection with a loan).


Clause 2 of the Enterprise Privacy Statement sets out where that information may come from. Sometimes John Deere Financial may collect personal information about you from third parties where it is unreasonable or impracticable to collect it directly from you. These third parties may include dealers, accountants, lawyers, referees, authorities or other parties to an application confirming your financial and other details. 


As stated in clause seven of the Enterprise Privacy Statement, you may choose to limit the personal information you provide to John Deere Financial. You should be aware, however, that if you choose not to provide certain personal information to us, this may affect our ability to process your application for finance or any other product or service, fulfil a customer request, or provide a service or product.


Purposes for which John Deere Financial may collect, hold, use and disclose your personal information

John Deere Financial will only collect, use and disclose your personal information as reasonably necessary for business purposes and as permitted by law. These purposes include those set out in clauses 3, 4 and 5 of the Enterprise Privacy Statement.

Other examples include collecting, using and disclosing your personal information in order to meet legal and regulatory requirements. Various Australian and New Zealand laws may expressly require John Deere Financial to collect your personal information, or John Deere Financial may need to do so in order to be able to comply with other obligations under those laws.  Such Australian laws include the National Consumer Credit Protection Act (for example, to comply with responsible lending requirements), the Anti-Money Laundering and Counter-Terrorism Financing Act (for example, to comply with identity verification requirements), the Personal Property Securities Act and State and Territory real property and security interests laws (for example, to register and search for security interests), the Banking Act, the Financial Sector (Collection of Data) Act, the Corporations Act and other regulatory legislation (for example, requiring us to maintain client and transaction records, to provide information relating to your deposits and loans to APRA for prudential and monitoring purposes and to make reports and provide other information to regulators such as ASIC) and the Taxation Administration Act, the Income Tax Assessment Act and other taxation laws. Equivalent New Zealand laws, and other New Zealand legislation, regulations and codes, may also require John Deere Financial to collect your personal information. John Deere Financial will only collect such information if the collection is necessary for a lawful purpose connected with a function or activity of John Deere Financial.


Third parties to whom John Deere Financial may disclose your personal information

John Deere Financial may disclose your personal information for the purposes listed in clauses 3, 4 and 5 of the Enterprise Privacy Statement and above or as otherwise permitted by the Privacy Act 1988 (Australia) or the Privacy Act 1993 (New Zealand), to third parties listed in clause 4 of the Enterprise Privacy Statement. Other third parties to whom John Deere Financial may disclose your personal information for the purposes referred to above include:

  • regulatory bodies in Australia and overseas;
  • financial and other advisors;
  • participants in financial and payment systems, such as other banks, credit providers, clearing entities and credit card associations;
  • your guarantors and security providers;
  • debt collectors and mercantile agents;
  • dealers;
  • third parties you authorise to act on your behalf or that are otherwise connected with you (such as customers or your accountant, legal representative or referee); and
  • other persons and entities as permitted under the Privacy Act.


John Deere Financial may disclose your personal information to a Deere Group member or John Deere dealer, which may be located in the United States of America, Canada, New Zealand, Australia, Germany, Brazil, India or Singapore.


 ‘Tell-A-Friend Function’

If you choose to use the ‘Tell-A-Friend Function’ as described in clause six of the Enterprise Privacy Statement, you confirm that you:

  • are authorised to provide us with the recipient’s contact details; and
  • have obtained their consent to be sent an email from John Deere.


How personal information is held and protected

As set out in clause 9 of the Enterprise Privacy Statement, John Deere Financial takes reasonable steps to protect your personal information we hold from loss, unauthorised access, and misuse. We may hold your personal information in physical form or in electronic form on our systems.  This information we hold about you is protected by physical, electronic, and procedural safeguards.

Personal Information collected by John Deere Limited will be held by John Deere at 400 19th Street, Moline, Illinois 61265.

 Personal Information collected by John Deere Financial will usually be held by John Deere Financial at 166-170 Magnesium Drive, Crestmead, Queensland 4132 (Australia).


Access to and correction of personal information

You have specific legal rights in relation to requesting access to and correction of personal information we hold about you.

You can request access to the personal information John Deere Financial holds about you subject to certain exceptions under the Privacy Act. Access requests may be made by contacting 1800 857 057 (0800 445 648 in NZ). Your request will usually receive a response within 10 business days.

If you believe any of the personal information we hold about you is not accurate, complete and up-to-date and relevant, you can request that we correct your personal information.  Correction requests may be made by contacting 1800 857 057 (0800 445 648 in NZ). 
  

Privacy complaints and disputes

You have specific rights under Australian law in relation to making a privacy complaint.

If you  are in Australia and wish to complain about a failure on the part of John Deere Financial to comply with the Australian Privacy Principles please contact John Deere Financial on 1800 857 057 (NZ 0800 445 648). You can also:

  • Email us at 23JDFinancial@JohnDeere.com
  • Fax us a letter to +61 (07) 3802 3142
  • Send a letter to the JDF Privacy Officer at our street address: 166-170 Magnesium Drive, Crestmead Qld 4118

 

You will receive an acknowledgment of your complaint as soon as practicable and in any case within 7 days after we receive it.

John Deere Financial is committed to a fair and prompt resolution of any complaint. Once your complaint is received, our Privacy Officer will liaise with managers and staff to resolve the complaint and we will inform you of the decision and the reasons for that decision. Unless there are exceptional circumstances, we will respond to your complaint within 30 days of receipt of the initial complaint.  We will provide you with a written notice setting out the decision.


If we are unable to resolve the complaint within 30 days we will:

  • Inform you of the delay and the reasons for the delay
  • Specify a date when a decision can reasonably be expected ; and
  • Notify you of your right to contact the Credit Ombudsman Service Limited.

 

All complaints will be processed at no charge to you.


If you are not satisfied with the handling of your complaint you may wish to contact the Credit and Investments Ombudsman.

The Credit and Investments Ombudsman may be contacted as follows:

 

PO Box A252, Sydney South, NSW 1235



http://www.cio.org.au  

Phone: (1) 800-138-422

Fax: (02) 9273 8440

Email: complaints@cio.org.au


Alternatively, the matter may be referred the Office of the Australian Information Commissioner  (the “OAIC”).  The contact details for the OAIC are:


The Office of the Australian Information Commissioner
GPO Box 5218
Sydney NSW 2001
Phone: 1300 363 992
Fax: 02 9284 9666
Website: http://www.oaic.gov.au/

Email: enquiries@oaic.gov.au

Updates to the Privacy Policy

John Deere Financial will publish updates to the privacy policy on this website.