Last Updated: November 22, 2022
Please carefully read our policy to understand how we will treat the information that you provide and other information that is collected about you while using our Services. If you have any questions about our policy or practices, please contact us at firstname.lastname@example.org.
WHAT INFORMATION WE COLLECT AND HOW WE COLLECT IT
We may collect the following types of information:
Identifying, contact and other information you provide when requesting our Services. For example, to facilitate access to your credit data, you must provide information like name, address, government-issued identification number, date of birth, telephone numbers, payment information and email address. You may also need to provide additional information to verify your identity, such as your mother’s maiden name or city of birth or a scan of your passport or government-issued ID card. We may also request other types of information specific to relevant Services, such as your income or employment details in connection with income and employment verification Services.
Information you authorize us to obtain from data providers. Our Services help you facilitate access to and delivery of credit data about you held by credit bureaus and other data providers. As such, you may provide or authorize these data sources to provide us with information about you including, but not limited to, credit accounts and inquiries, utility payment records, public records, credit report information, information about bank accounts, income, assets, employment and other bank transaction information. These providers may also provide or confirm additional information about you to help us verify your identity. In some countries where these third parties are located, there may be a restriction on transferring data internationally and, if that is the case, you consent to them transferring data to us in the U.S. (where the data privacy laws may not be as protective as the laws of the country in which the information originates). Personal data may also be transferred to us in the U.S., as permitted by applicable law.
Information you provide directly to us in connection with customer service communications, inquiries, disputes and general feedback. For example, before we can respond to any questions you may have about our Services, your credit data or any accuracy-related inquiries, we may need to verify your identity and contact information.
Information you provide directly to us for marketing purposes. This information includes your contact information and marketing preferences and is provided directly by you, typically through our website.
HOW WE USE INFORMATION WE COLLECT
We use information we collect in a number of ways to provide you with and improve our Services and customer support, and to facilitate the operation and legal compliance of our business. This Section explains the purposes for which we may use this information.
To Verify Your Identity and Authenticate the Information That You Provide
We use your personal information to verify your identity so that we know we are providing the correct credit history to others on your behalf. Identity verification may also involve checking information that you give us against information in your credit file and publicly available databases.
To Provide and Improve Access to Our Services
We use your personal information to provide you with Services that you request through our website (including the mobile version) or request through our business partners and affiliates. This may include providing the following services and products to you, and to lenders and other users designated by you:
Your consumer report, credit history and/or credit score
Product comparison and eligibility services
Income, asset, account and employment reporting and verification services
Third-party offers for financial and other products and services.
To Let You Know About Significant Changes to Our Services, Terms of Service and this Policy
We may let you know by email, push notification or when you log in to our website if there are changes to our Services or their features that materially change how we process your personal information.
To Provide and Improve Customer Support
We use your personal information and other information you provide to be able to provide and improve customer support to you, such as when you request a copy of your report, have a question about our products or file an accuracy-related dispute.
To Seek Feedback About Our Products and For Market Research
We may ask you for feedback or invite you to participate in market research activities, including surveys and interviews, about your experience using our products or to learn about future products or services that may be of interest. We may use the feedback you give us and/or share it with our business partners to improve our products and Services.
For Marketing and Tailoring Content
Some of our Services, such as newsletters or registered accounts with us, may let you enroll with us to view or receive educational materials, offers, product updates, or promotions from us or third parties. In connection with those Services, we may use your information, including credit information that you add to your account profile, for marketing purposes and to personalize the content or experience we provide. For example, if we think one of our Services or offers, or those of our third-party partners, may interest you, we may contact you about them by post, email, SMS or through our website and Services. We will not share or sell your personal data to third parties for their own marketing purposes.
You can opt out of, or unsubscribe from marketing communications at any time by following the instructions in the email, using the unsubscribe link in such communications, or by contacting us at email@example.com. Unsubscribing will not limit emails related to transactions, support requests or other inquiries you have with us.
For Analytical Purposes
We may use automatically collected, de-identified, anonymized or aggregated information about you for analytical purposes to enable us to improve and promote our Services, including the educational content, consumer insights and support to you and our business customers we provide as part of our Services.
For Understanding User Activity, Including Fraud-Prevention
We will use your personal information and information that is automatically captured about your visit, such as through cookies and other tracking technologies, in a variety of ways, including to monitor your activity on our websites and Services; to help us better understand your interests, needs and preferences; to troubleshoot your user experience; and to better understand how you interact with us and therefore improve our services and engagement with you. We may also use this information to analyze web traffic trends, to help protect the security and integrity of our website, and to help us detect if someone else is trying to use Services you request from us or access your account.
To Maintain Our Records and For Regulatory and Compliance Purposes
Like any business, we need to ensure that we comply with the applicable laws and maintain comprehensive and up to date records of the ways we process your personal information and other operational activities. Therefore, we will process the information you provide for record-keeping, updates and legal compliance purposes.
WHO WE SHARE YOUR INFORMATION WITH
We do not share or sell your nonpublic personal information with or to affiliated or unaffiliated third parties for their own advertising or marketing purposes without your consent. We also do not share your credit reports with our affiliates for their day-to-day business purposes without your consent. We may share or sell information about you as permitted by law to affiliated and non-affiliated third parties as follows:
Data Providers: We may partner with other companies to offer you products or services or to complete your requests regarding our Services. For example, we partner with credit bureaus and other data providers to access, process and deliver your credit and other data to lenders and other end users you have chosen. We may disclose your personal information to such third-party business partners as authorized by you or required to provide Services you request.
Lenders and Other Users: We may partner with lenders, banks, insurers, telecommunication companies, rental management companies and other users of credit and other analytical information to process and deliver your credit, income and employment data as you specifically authorize. In addition, we may share de-identified or aggregated information without your consent with our partners and business customers for analytics, marketing, modeling and risk management purposes.
Fraud Prevention and Identity Verification Agencies: We may share personal information collected from you as permitted by law with fraud prevention agencies and identify verification companies (including fraud prevention agencies from other countries) who will use it to verify your identity and to prevent fraud or money laundering. If fraud is detected, you could be refused certain services. You can obtain more information about how your information will be used by us and fraud prevention agencies by contacting us by email at firstname.lastname@example.org.
As Permitted or Required by Law or Legal Process: Notwithstanding any other provision of this Policy to the contrary, we may disclose your personal information as we believe appropriate to (a) comply with legal process (including possible subpoenas by the United States government); (b) respond to government requests; or (c) as permitted or required by applicable laws, including the Fair Credit Reporting Act.
To Enforce This Policy and Protect Certain Rights: Notwithstanding any other provision of this Policy to the contrary, we may disclose your information as we believe appropriate to: (a) enforce this Policy; (b) protect the rights, privacy, safety or property of the Nova Credit Group, you, or others; or (c) to permit us to pursue available remedies or limit the damages that we may sustain.
With Your Consent: There may also be other circumstances when we disclose your personal information with your express consent.
HOW LONG WE KEEP YOUR INFORMATION FOR
We process and use your information to provide our service to you and/or the lenders and other end users you authorize us to provide your information to. Personal Information is maintained on our servers or those of our service providers. We will keep your personal information for as long as necessary to respond to any inquiries from you, to resolve any disputes, enforce our legal rights, and as required by law for recordkeeping, anti-fraud and other purposes, including to comply with the US Fair Credit Reporting Act. These purposes can vary from one piece of information to the next and, hence, the amount of time we keep your information may vary too.
HOW WE KEEP YOUR INFORMATION SECURE
We use a variety of technologies and processes to help protect the integrity of our Services, including physical, technological, and organizational security measures. Nova Credit operates under a comprehensive Information Security Policy based on internationally recognized standards of security (ISO 27001 standard) and holds an ISO 27001 certification and SOC 2 Type II attestation. We have a dedicated information security team who are responsible for administering access to systems. We are independently audited on an annual basis and perform regular risk assessments against our critical and external facing applications.
No information transmission or storage system is 100% secure and protecting your personal information is also your responsibility. Please safeguard any authentication and identification information you use to access our Services. You should not disclose your authentication information to any third-party and should immediately notify us of any unauthorized use of your password. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any account with us has been compromised), please immediately notify us of the problem by contacting us.
YOUR CHOICES AND CONTROL OVER YOUR INFORMATION
Accessing, Updating, Correcting or Deleting Your Personal Information: If you create an account with us, you may view, update, correct and delete certain personal information by logging into your account and editing your profile.
Option to not Provide Personal Information: You can always choose not to provide certain information, but then you might not be able to access and take advantage of any of the Services of Nova Credit.
Accessing, Updating, Correcting or Deleting Information in Your Consumer Credit File: You may be provided the opportunity to receive a copy of your consumer report (e.g., when you use our Services in relation to your application with lenders and other end users of consumer reports or by registering an account with us). If you believe that the information in the consumer report you receive through our Services is incorrect, incomplete, outdated, or indicates fraudulent activity, you may initiate an inquiry or dispute. For more information on how to request a copy of your report or initiate a dispute visit our Disputes page.
Your Choice and Control Over Marketing Communications: You have the choice to opt-out of any marketing communications, including emails and newsletters, at any time by using the unsubscribe link or instructions in such communication, or by contacting us at email@example.com.
LINKS TO OTHER WEBSITES
Our Services are not directed to minors (individuals under the age of majority) and we request that such individuals not provide personal information to us. We do not knowingly collect information from minors. If you are under the age of majority, you may browse content available on our site but should not provide any personal information to us such as name, address, or email address.
USERS OUTSIDE THE UNITED STATES
If you use or access our Services from outside of the U.S., please be aware that the information you provide to us or that we obtain as a result of your use may be transferred to and processed in the U.S. We will generally seek to ensure that your personal information continues to be protected to a comparable standard, but depending on the circumstances applicable data privacy laws that may not be as protective as the laws of the country you are accessing our Services from. By using our Services or this website, or by providing your personal and non-personal information, you consent to the collection, transfer, storage, and processing of your information in the U.S., or as may otherwise be permitted under applicable law.
Nova Credit Inc.
Attn: Compliance Office
22 West 21 St, 8th Floor
New York, NY 10010
Instalogic Technologies Private Limited
90/31B, First Floor Malviya Nagar
New Delhi - 110017, India
If you are an Indian user and have any questions on our collection and use of your personal information, you can contact our Grievance Office.
Name: Siddhartha Kochar
Designation: Grievance Officer
Email ID: firstname.lastname@example.org
Last Updated: November 21, 2022
At Nova Roo Pty Ltd (Australia) (“we, us, our”), your privacy is important to us.
The Privacy Act 1988 (“Privacy Act”), Privacy (Credit Reporting) Code 2014 (“the Code”) and general law place restrictions on how we handle your personal information. We give effect to these laws in our dealings with your personal information.
What information we collect
We will only ask for information that is relevant to our Services. With your consent, we may collect and hold some, or all of the following information about you:
identifying information such as your name, date of birth and residency;
contact details such as your postal address, email address and telephone number;
details of your credit worthiness including your credit report and credit score;
records of our communications with you, such as telephone, email, SMS, online and in-person communications; and
any other information that is capable of identifying you.
It is up to you to choose the information that you provide to us. If you choose not to provide information to us, we may not be able to provide you with the service you have requested.
Why we collect your information
Nova Credit Inc. (U.S.) is a credit reporting agency based in the U.S. which assists Australians living abroad in obtaining access to credit in those foreign jurisdictions. We act in the capacity of an ‘access seeker’ under the Privacy Act to assist you and Nova Credit Inc. (US) in obtaining your personal information which is required to assess your application for credit in the following foreign jurisdictions:
The information that we collect is used for Nova Credit Inc. (U.S.) to provide assistance to you in obtaining access to credit in foreign jurisdictions. As part of this Service, we will use your personal information to verify your identity through the Australian Government Document Verification Service (DVS) and provide credit information to banks, financial institutions and other lenders you designate in your nominated foreign jurisdiction.
How we collect your information
We collect information in a number of ways, including:
directly from you, when you provide information online, by phone or in documents
by requesting for a copy of your credit report from an Australian credit reporting body e.g. Equifax.
Where we collect your personal information from third parties, we will take reasonable steps to notify you of the circumstances of that collection. We recommend you review our website regularly to see updates to this policy.
To whom do we regularly disclose your information?
We will disclose personal information about you to Nova Credit Inc. (U.S.) which is located in the United States, to facilitate your application for credit in foreign jurisdictions. Nova Credit Inc. (U.S.) may be required to disclose information we share with them under a foreign law. In those instances, we will not be responsible for that disclosure.
By using our Services, you consent to the disclosure of your personal information (including your credit report) to Nova Credit Inc. (U.S.) and acknowledge that we will not be required to take reasonable steps to ensure Nova Credit Inc. (U.S.) does not breach the Australian Privacy Principles contained in the Australian Privacy Act in relation to personal information.
We may also disclose personal information about you to third parties involved in the provision of our services. We may disclose your personal information to the following third parties:
our employees, contractors and agents (e.g. people who are authorised to administer our computer systems and IT systems), professional advisers, consultants and representatives);
you, your agents and others you have authorised to interact with us on your behalf;
regulatory and government bodies as required by law;
related entities within our corporate group; and
prospective purchasers of all or part of our business.
3. Holding Information
We hold your information both in electronic form. We make all reasonable efforts to ensure that the information we hold about you is stored securely.
We take reasonable steps to ensure that all information we collect, hold, use or disclose about you is accurate, complete and up-to-date. If you believe there is an error or information is missing, please notify the Chief Compliance Officer using the details set out below in Questions or Concerns? and we will try to correct or add the information as soon as possible if necessary.
We take reasonable steps to ensure any personal information which we no longer require for any lawful purpose is disposed of in a secure and compliant way.
The security of your information is important to us. We use a range of physical, electronic and other security measures to protect the information that we hold about you. These security measures include imposing role based controls on information access, providing training to staff about information security and monitoring compliance with our information security standards.
We will only hold your personal information for as long as it is required for the purpose for which it was collected or as required by law. If your personal information is no longer required, we will take reasonable steps to de-identify or destroy your personal information that is in our possession or control.
5. Access and Correction
You have the right to request access to and the correction of your personal information at any time (subject to some exceptions allowed by law). You can request access to or the correct of your personal information by contacting the Chief Compliance Officer using the details set out below under ‘Questions or Concerns?’
Any request for information must be as specific as possible so we can accommodate the request. For security reasons, you may be required to put your request in writing.
We will respond to your request for access or correction within 30 days. If your request is refused for any reason, we will give you a written notice with the reasons why your request has been refused and your options in respect of our decision.
6. Direct marketing and research
We may use and disclose your information for marketing purposes. We may contact you about our products and services (including our website), the products and services of other people, or related special offers from our business partners that we think may be of interest to you. The information may be sent to you by email, SMS or other means.
You can opt-out of receiving marketing communications from us at any time by clicking the ‘unsubscribe’ link in the communication or by contacting us using the details set out below under ‘Questions or Concerns?’
8. Questions or concerns
Nova Credit Inc.
Attn: Chief Compliance Officer
We will acknowledge your concern or complaint within 10 days of receipt and provide you with written notice of any action we take in respect of your concern or complaint within 30 days.
For any inquiries or complaints related to accuracy of your information, please visit our disputes webpage at https://help.novacredit.com/s/dispute
If you are not satisfied with the way we have handled your concern or complaint, or would like more information about privacy in general, you can visit the Federal Privacy Commissioner's website privacy.gov.au.