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Collection Notice

What we collect and why 

When you deal with Brighte — applying for finance, asking us for help with payments, or getting a quote — we collect information about you. This notice explains what we collect, where we get it, why we need it, and who we give it to. 

We are Brighte Capital Pty Limited (ABN 74 609 165 906), Australian Credit Licence 508217, and Brighte Energy Pty Ltd (ACN 646 449 247). You can contact our Privacy Officer at privacy@brighte.com.au. 

Where we get your information 

Mostly from you — your application, the documents you give us, and your conversations with us, which we may record. We may also collect information about you from other people: 

  • credit reporting bodies, who give us your credit report; 
  • identity verification providers, who help us check your identity; 
  • sanctions and politically exposed person screening providers, to help us meet our anti-money-laundering and sanctions obligations; 
  • your vendor or installer, about the goods or services you are buying; 
  • your broker or referrer, if one helped you apply — we may pay them a commission; 
  • your joint applicant or guarantor, and anyone you authorise to act for you; 
  • other credit providers, banks and debt collectors; 
  • your bank, or a bank data service you authorise, so we can verify your financial situation as the credit law requires; 
  • public registers, court judgments and insolvency records; 
  • your use of our website or app, including through cookies, tracking pixels and similar technologies and analytics providers. 

Why we need it 

To verify who you are; to assess your application and decide whether to lend and on what terms; to give you the product and administer it; to connect you with accredited Brighte vendors and installers who can quote for or carry out the work you want financed, and, once you proceed, to give the details they need to arrange, deliver, install and service what we are financing; to consider a request for hardship assistance; to detect fraud and financial crime; to manage our own risk, pricing and quality assurance; to tell you about products if you have agreed to that; and to meet our legal obligations. 

Some of it we must collect by law. The Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) requires us to identify and verify customers and undertake appropriate due diligence, including politically exposed person screening. Australian sanctions laws require us to screen you against sanctions lists, and the National Consumer Credit Protection Act 2009 (Cth) requires us to verify your financial situation before we give you consumer credit. 

If you don’t give it to us 

You don’t have to. But we may not be able to verify you, assess your application, approve your finance, arrange your installation, or consider a hardship request. In some cases the law does not let us proceed without it. 

Who we give it to 

Credit reporting bodies; our related companies; our service providers and contractors, including cloud hosting, analytics, AI tools, identity verification, mail, payments, collections and customer service; our accredited vendors and their installers, so they can quote for, arrange and carry out the work you want financed and contact you about it; your guarantor or joint applicant, so they can decide whether to proceed; other credit providers and financial institutions; brokers and referrers; anyone acquiring an interest in your contract or our business, including in a securitisation; our advisers, auditors and insurers; courts, regulators, law enforcement, AUSTRAC, AFCA and the OAIC where the law requires or permits; and where you are financing under a government scheme or rebate, the relevant government department or agency and its auditors. 

Credit reporting 

We take part in the credit reporting system. We may give a credit reporting body your identifying details and information about the credit you hold with us — that you applied, the amount and type, when the account opened and closed, your credit limit, your repayment history each month, any financial hardship arrangement we agree with you, payments more than 60 days overdue where we have started collection action, and our opinion that you have committed a serious credit infringement. 

You do not need to consent for us to ask a credit reporting body about you when you apply for personal credit — the Privacy Act allows it. The request is recorded on your credit report as a credit enquiry, other credit providers can see it, and it may be used in calculating your credit score. It might make your score go up, go down, or stay the same. Making a lot of applications in a short period is more likely to lower it. 

If you fail to meet your payment obligations, or we believe you have committed a serious credit infringement, we may report that — but before we report a default we must send you two written notices, and we will not report a default while a hardship arrangement is in place for that payment. 

If we agree a hardship arrangement with you, that is recorded alongside your repayment history for 12 months. A credit reporting body cannot give your financial hardship information to another credit provider to help them collect an overdue payment. We never report health information. 

Our Statement of Notifiable Matters at www.brighte.com.au/notifiable-matters sets this out in full. The credit reporting bodies we use are Equifax Australia Information Services and Solutions Pty Ltd (www.equifax.com.au, 13 8332) and Experian Australia Credit Services Pty Ltd (www.experian.com.au, 1300 783 684). You can ask us for the Statement in hard copy at any time. 

Sensitive information 

Some information the law protects more strictly. For us that might be a photograph or scan of your face; information about your membership of a political association, where the anti-money-laundering law requires us to check whether you are a politically exposed person; health information, but only if you ask us for hardship assistance and choose to tell us; and, if you apply for a role with us, criminal history. We ask for your consent before collecting sensitive information, except where the law requires us to collect it.

Overseas 

Some of our service providers are outside Australia — in Bulgaria, Canada, Costa Rica, Finland, Germany, India, Israel, Japan, Mexico, Mongolia, New Zealand, the Philippines, Singapore, Spain, the United Kingdom and the United States. Before we send your information overseas we take reasonable steps to make sure the recipient handles it consistently with the Australian Privacy Principles. Sometimes a foreign law will require an overseas recipient to hand over information; where that happens outside Australia we may not be able to prevent it. 

Automated decisions and AI tools 

We use computer programs to make some decisions about you, or to help us make them — including whether to approve your application and on what terms, whether your identity has been verified, and whether an application looks like a fraud risk. Our Privacy Policy sets out the full list and the information those programs use. You can ask us about a decision that affects you and ask us to review it, including asking for human intervention. We may also use AI-enabled tools provided by third parties to help with analytics, quality assurance, reviewing customer feedback and complaints, and improving our services generally. We treat personal information entered into, or generated or inferred by, those tools as personal information, and we take reasonable steps to stop providers using it to train their own independent or public AI models. 

Information about other people 

If you give us information about someone else — a referee, an employer, your guarantor — please tell them, show them this notice, and tell them how to contact us. 

Access, correction and complaints 

You can ask us for what we hold about you and ask us to correct it. For credit-related information we will deal with your request within 30 days, and we do not charge you to access your credit eligibility information. If you think we have mishandled your information, contact our Privacy Officer — we will acknowledge within one business day and decide within 30 days. If you are not satisfied you can go to the Australian Financial Complaints Authority (1800 931 678, afca.org.au) or the Office of the Australian Information Commissioner (1300 363 992, oaic.gov.au). Both are free. 

Our Privacy Policy and Credit Reporting Policy at www.brighte.com.au/privacy explain all of this in full, including how we protect your information and how long we keep it.