Important information relating to credit reporting.
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:
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:
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
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:
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:
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:
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 Australian Financial Complaints Authority (AFCA), JDF’s external dispute resolution (EDR) scheme, or make a complaint to the Office of the Australian Information Commissioner (the “OAIC”).
AFCA may be contacted as follows:
Telephone: 1800 931 678 (free call)
In writing to:
Australian Financial Complaints Authority
GPO Box 3
Melbourne VIC 3001
The contact details for the OAIC are:
The Office of the Australian Information Commissioner
GPO Box 2999
Canberra ACT 2601
Phone: 1300 363 992
Fax: 02 9284 9666
This statement contains important information about credit reporting that is relevant to you if:
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
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.
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
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.