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Privacy Policy

Customised Car Finance Privacy Policy

Courtesy Investments Pty Ltd T/AS Customised Car Finance - Privacy  Policy

Customised Car Finance values your right to privacy

Who are we?

We’, ‘us’ and ‘our’ refer to Courtesy Investments Pty Ltd T/AS Customised Car Finance. Australian Credit Licence # 481490, 669 Nicklin Way, Wurtulla QLD 4575 and our related businesses, contractors, associated entities and any authorised representatives we have appointed.

Our commitment to protect your privacy

We understand how important it is to protect your personal information. This document sets out our privacy policy commitment in respect of personal information we hold about you and what we do with that information.

We recognise that any personal information we collect about you will only be used for the purposes we have collected it or as allowed under the law. It is important to us that you are confident that any personal information we hold about you will be treated in a way which ensures protection of your personal information.

Our commitment in respect of personal information is to abide by the Australian Privacy Principles for the protection of personal information, as set out in the Privacy Act and any other relevant law.

Personal Information

When we refer to personal information we mean information from which your identity is reasonably apparent.

This information may include information or an opinion about you. The personal information we hold about you may also include credit information.Credit information is information which is used to assess your eligibility to be provided with finance and may include any finance that you have outstanding, your repayment history in respect of those loans, and any defaults.

Usually, credit information is exchanged between credit and finance providers and credit reporting bodies.The kinds of personal information we may collect about you include your name, date of birth, address, account details, occupation, and any other information we made need to identify you.

If you are applying for finance we may also collect the ages and number of your dependants and cohabitants, the length of time at your current address, your employment details and proof of earnings and expenses.

If you apply for any insurance product through us we may also collect your health information. We will only collect health information from you with your consent.

Why do we collect your information?

We collect personal information for the purposes of assessing your application for finance and managing that finance. We may also collect your personal information for the purposes of direct marketing and managing our relationship with you. From time to time we may offer you other products and services.

How do we collect your information?

Where reasonable and practical we will collect your personal information directly from you. We may also collect your personal information from finance brokers and other people such as accountants and employers.

Do we disclose your personal information?

We may disclose your personal information:to prospective funders or other intermediaries in relation to your finance requirements;
to other organisations that are involved in managing or administering your finance such as third party suppliers, printing and postal services, call centres;
to associated businesses that may want to market products to you;
to companies that provide information and infrastructure systems to us;
to anybody who represents you, such as finance brokers, lawyers and accountants;
to anyone, where you have provided us consent;
where we are required to do so by law, such as under the Anti-Money or Laundering and Courter Terrorism Financing Act 2006 (Cth);to investors, agents or advisers, or any entity that has an interest in our business; or
to your employer, referees or identity verification services.

Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:We may use cloud storage to store the personal information we hold about you. The cloud storage and the IT servers may be located outside Australia.We may disclose your personal information to overseas entities that provide support functions to us.

You may obtain more information about these entities by contacting us.If we provide information about your credit application to a credit reporting body,  this may affect decisions by other credit providers as to whether they provide credit to you and on what terms.

Direct Marketing

From time to time we may use your personal information to provide you with current information about finance, offers you may find of interest, changes to our organisation, or new products or services being offered by us or any company with whom we are associated.If you do not wish to receive marketing information, you may at any time decline to receive such information by telephoning us on 07 54378411 or by writing to us at Customised Car Finance, 663 Nicklin Way, Wurtulla QLD 4575. If the direct marketing is by email you may also use the unsubscribe function.   We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity.

Updating your Personal Information

It is important to us that the personal information we hold about you is accurate and up to date. During the course of our relationship with you we may ask you to inform us if any of your personal information has changed.If you wish to make any changes to your personal information, you may contact us. We will generally rely on you to ensure the information we hold about you is accurate or complete.

Access and Updating your Information

We will provide you with access to the personal information we hold about you.

You may request access to any of the personal information we hold about you at any time.We may charge a fee for our costs of retrieving and supplying the information to you.Depending on the type of request that you make we may respond to your request immediately, otherwise we usually respond to you within seven days of receiving your request. We may need to contact other entities to properly investigate your request.

There may be situations where we are not required to provide you with access to your personal information, for example, if the information relates to existing or anticipated legal proceedings, or if your request is vexatious.

An explanation will be provided to you if we deny you access to the personal information we hold about you.If any of the personal information we hold about you is incorrect, inaccurate or out of date you may request that we correct the information. If appropriate we will correct the personal information. At the time of the request, otherwise, we will provide an initial response to you within seven days of receiving your request. Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the personal information within 30 days.

We may need to consult with other entities as part of our investigation.If we refuse to correct personal information we will provide you with our reasons for not correcting the information.

Government Identifiers

If we collect government identifiers, such as your tax file number, we do not use or disclose this information other than required by law. We will never use a government identifier in order to identify you.

Business without identifying you

In most circumstances it will be necessary for us to identify you in order to successfully do business with you, however, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information, for example, if you make general inquiries about interest rates or current promotional offers.

Sensitive Information

We will only collect sensitive information about you with your consent. Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.

How safe is the information that we hold?

We will take reasonable steps to protect your personal information by storing it in a secure environment. We may store your personal information in paper and electronic form. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.


If you are dissatisfied with how we have dealt with your personal information, or you have a complaint our compliance with the privacy act, you may contact our complaints officer on 07 5437 8411.

We will acknowledge your complaint within 7 days. We will provide you with a decision on your complaint within 30 days.

If you are dissatisfied with the response of our complaints officer you may make a complaint to the Privacy Commissioner which can be contacted on either or 1300 363 992.

Further Information

You may request further information about the way we manage your personal information by contacting us.

Change in our privacy policy

We are constantly reviewing all of our policies and attempt to keep up to date with market expectations.

Technology is constantly changing, as is the law and market place practices.As a consequence we may change this privacy policy from time to time or as the need arises.You may request this privacy policy in an alternative form.

This Privacy Policy was updated on 27 September 2020.

What types of loans do we do?

These are just a few. Need something a bit different? Talk to us.


We are car loan experts. We work with you to customise a loan that suits your exact needs. No cookie cutter one product fits all, just great service and a real desire to understand exactly what you are looking to achieve.

get A Customised quote


Hit the road or the trails in a customised bike loan. We tailor the repayments and loan term to suit your needs and requirements not just a one deal fits all approach.

get A CustomiSed quote


Keen to get out on the water? Let Customised tailor a specific loan solution to your needs and lifestyle. No two people are the same, why should any two loans be the same as well?

get A CustomiSed quote


Need a loan for your business car, truck or equipment. We specialise in understanding your current business situation and customising a loan package to suit.

get A CustomiSed quote


Private sales are becoming increasingly popular with the rise of Gumtree and Facebook Classifieds. Alot of lenders will not assist where the item being purchased is not being bought from a Licensed Dealer. We understand, so we happily help our clients with Private Sale purchases.

get A CustomiSed quote


We understand not everyone has a perfect past. That doesn't mean you should be unable to get credit now. We focus on the positives of your current situation and less on the problems of the past. Talk to us today about what we can do to help you.

get A CustomiSed quote

Contact Us

Based on the Sunshine Coast, helping Queenslanders like you with finance options


(07) 5437 6089

(07) 5493 5277

663 Nicklin Way
QLD 4575

PO BOX  264
Moffatt Beach QLD 4551

Email -