Terms of service

Cookie Policy
1. Introduction
Our Cookie Policy explains what cookies are, how Totara Asset Finance Pty Ltd trading as Australian Equipment
Finance (the Company, we, us, our), our third-party partners and suppliers may use cookies on our websites and apps
(the Service), and your choices regarding cookies. Cookies allow us to remember your choices when you use the
Service, such as your login details or language preference, improve our Service, and provide you with personalized
information or services. The cookies are downloaded to your computer or mobile device (computer) and stored on its
hard drive as a unique ID number, but they cannot read your hard drive or command your computer to perform any
action other than that required by the Service. Your web browser or mobile device may allow you to turn off
cookies/tracking (cookies). However, turning off cookies may restrict your use of the Service.
2. Tracking Technologies and Cookies
Tracking technologies are beacons, tags, and scripts to collect and track information, provide, improve, and analyze
the Service. The technologies used may include:
 Cookies or Browser Cookies. A cookie is a small file placed on your device. You can instruct your browser to
refuse all cookies or indicate when a cookie is being sent. However, if you do not accept cookies, you may be
unable to use some parts of the Service. Unless you have adjusted your browser or device setting so that it
will refuse cookies, the Service may use cookies.
 Web Beacons. Certain sections of the Service and related emails may contain small electronic files known as
web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company to count
users who have visited pages or opened an email and for other related website statistics (for example,
recording the popularity of a certain section and verifying system and server integrity).
Cookies can be 'Persistent' or 'Session' cookies. Persistent cookies remain on your personal computer or device when
you go offline, while Session cookies are deleted as soon as you close your web browser.
We use both Session and Persistent Cookies for the purposes set out below:
Essential Cookies
 Type: Session Cookies
 Administered by: Us
 Purpose: These cookies are essential to providing you with services available through the Service, such as
authenticating users and preventing fraudulent use of user accounts.
Cookies Policy / Notice Acceptance Cookies
 Type: Persistent Cookies
 Administered by: Us
 Purpose: These Cookies identify if users have accepted the use of cookies on the Service.
Functionality Cookies
 Type: Persistent Cookies
 Administered by: Us
 Purpose: These Cookies allow us to remember your choices when you use the Service, such as your login
details or language preference. This provides you with a more personalized experience and avoids the need
to re-enter your preferences every time you use the Service.
3. Why do we use 'cookies' and other web use tracking technologies?
The purpose of sending these files with a unique ID number is so that the Service can recognize your computer when
you next visit the website or support using the Service during use. We may also log visitors' internet protocol
addresses (IP addresses) to the Service to determine the countries and locations of the computers or devices using
the Service.
We collect information using cookies and other tracking technologies for any of the following reasons:

 identify the internet protocol addresses (IP addresses) of the countries and locations of the computers using
the Service;
 provide the Service;
 to help monitor the performance of the products and services to aid in the ongoing improvement of operations
and the products and services;
 keeping track of your specific preferences;
 to provide personalized services to each user and to make the use of the products and services easier and
more rewarding to the user;
 to sell advertising;
 preventing fraudulent activity and improving security;
 to improve our products and services, and
 when we have your permission to market the products and services we provide by sending electronic
communications, including emails, text messages, or other platform messages, personalized to what we
understand are your interests. Even if you have given permission to send you electronic communications, you
can, at any time, decide not to receive further communications and will be able to “unsubscribe” from that
service.
In addition to our own cookies, we may use various third-party cookies to report usage statistics, deliver
advertisements, or provide the Service.
4. What are your choices regarding cookies?
If you are unhappy about being sent a cookie, you can set your browser or device to refuse cookies or choose to have
your computer warn you each time a cookie is sent. However, some of our services may malfunction if you turn
cookies off.

TERMS OF USE
1. Introduction
Totara Asset Finance Pty Ltd trading as Australian Equipment Finance (the Company, we, us, our) welcomes you to
our website or app (the Service) and that by using the Service, you acknowledge that you have read and accepted
these Terms of Use.
We may modify or replace these terms of use at any time. We will publish any modified or replacement policy on our
website at Totara Asset Finance Pty Ltd trading as Australian Equipment Finance, any changes come into effect upon
publication. By continuing to access the Service after those changes become effective, you agree to the changed
Terms of Use.
2. Intellectual Property
The Company owns all copyright and all other intellectual property rights contained in the Service. The content may
not be copied, reproduced, modified, adapted, translated, transmitted, displayed, published, posted, resold, or
otherwise distributed without the Company's prior written authorization. You may not use the Service or its content for
any purpose or in any manner that infringes the rights of any third parties. If you believe that any content contained in
the Service infringes your copyright, please send an email to [email protected].
3. Trademarks
The Company and our logos are trademarks of ours. We give no permission for the use of these trademarks, and
such use may constitute an infringement of our rights. Other names of actual companies and products mentioned on
our websites may be the trademarks of their respective owners, and reference to them does not suggest sponsorship,
endorsement, or association with the Company.
4. Links to Third Party Websites
Our Service may contain links to other websites that we do not operate. If you click on a third-party link, you will be
directed to that third-party's site. We strongly advise you to review every site's Privacy Policy. We do not approve,
endorse, have any control over, or assume any responsibility for third-party sites, apps, or services' content, privacy
policies, or practices.
5. Linking to our Service
We encourage your efforts to let other people know about our Service. You may link our website or apps using a text
link and linking to the homepage or other pages as needed.
6. Warranties
The information provided in this Service is intended as an introduction to our products, services, and solutions. While
every endeavor has been made to supply accurate information, errors and omissions may occur. We make no
representations, warranties, or guarantees regarding the content's quality, suitability, truth, accuracy, or completeness.
7. Provision of the Service
In its sole discretion, the Company will use whatever third-party products and services it deems appropriate to provide
the Service.
8. Governing Law
These Terms of Use shall be construed and applied in accordance with the laws of the State of Victoria, Australia, and
you consent to the exclusive jurisdiction of the Victorian Courts to determine any matter or dispute which arises under
these Terms of Use in accordance with the laws of the State of Victoria.

PRIVACY
1. Introduction
Totara Asset Finance Pty Ltd trading as Australian Equipment Finance (the Company, we, us, our) is committed to
safeguarding and preserving the privacy of our visitors and customers. This Privacy Policy explains what happens to
any personal information provided to us or that we collect from you while you visit our site, app, or use our products or
services.
This policy outlines how the Company and its related bodies-corporate seek to manage personal information about
individuals, including the Company's customers and prospective customers, in accordance with the Privacy Act 1988
(Cth) (the Privacy Act), the Australian Privacy Principles set out in the Privacy Act as applicable.
Where applicable, we will handle personal information relying on the related bodies-corporate exemption, the
employee records exemption in the Privacy Act, and any other applicable exemptions in the Privacy Act or other
legislation.
2. What is personal information?
Personal information means information or an opinion about an identified or reasonably identifiable individual, whether
or not the information is true.
3. What types of personal information do we collect?
Below, we summarise some of the main types of personal information that we collect. In addition to these types of
personal information, we may collect other personal information as permitted or required by law.
3.1 Customers, prospective customers, and visitors
We may collect a range of personal information to:
 enable us to assess, offer and manage any products and services requested by our customers and
prospective customers;
 respond to queries from our customers and prospective customers; and
 allow customers, prospective customers, or other members of the public to enter a competition and register
for a newsletter or other activity that we run. The types of personal information that the Company collects
about such people (and about employees and officers of customers and prospective customers) may include:
Personal Data
 name, date of birth,
 residential address,
 postal address,
 email address,
 telephone numbers,
 gender,
 occupation,
 place of work,
 nominated bank account details,
 credit card details,
 information about product preferences,
 details about related parties and entities,
 online behavior (including but not exclusively traffic data, location data, device data, usage data and, other
communication data),

 responses to various marketing initiatives and log-in credentials for the Company and any 3rd party services
as required to use this Service.
Usage Data
 Usage Data is collected automatically when using the Service.
 Usage Data may include information such as Your Device's Internet Protocol address (e.g., IP address),
browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time
spent on those pages, unique device identifiers and other diagnostic data.
 When You access the Service by or through a mobile device, We may collect certain information
automatically, including, but not limited to, the type of mobile device you use, your mobile device's unique ID,
the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you
use, unique device identifiers and other diagnostic data.
 We may also collect information that your browser sends whenever you visit our Service or access the Service
by or through a mobile device
Information from Third-Party Social Media Services
 The Company may allow you to create an account and log in to use the Service through the following third-
party Social Media Services:
 Google
 Facebook
 Instagram
 Twitter
 LinkedIn
 If you decide to register through or otherwise grant us access to a Third-Party Social Media Service, we may
collect Personal data that is already associated with that Service's account, such as your name, email
address, activities, or contact list.
 You may also share additional information with the Company through your third-party Social Media Service
account. If you choose to provide such information and Personal Data during registration or otherwise, you
are giving the Company permission to use, share, and store it in a manner consistent with this Privacy Policy.
Information Collected while Using the Application
 While using Our Application to provide features of Our Application, we may collect, with your prior permission:
 Information regarding your location
 Information from your Device's phone book (contacts list)
 Pictures and other information from your Device's camera and photo library
 We use this information to provide features of Our Service to improve and customize Our Service. The
information may be uploaded to the Company's servers and/or a Service Provider's server or simply stored on
Your device.
 You can enable or disable access to this information anytime through your Device settings.
4. How do we collect your personal information?
We collect personal information about you mainly when you give it directly to us or when we receive it from a third
party whose details you give us. We often gather this information through application forms, surveys, or other
communications via email or telephone (for example, when you contact us to ask for information).
We may also collect your personal information from external sources such as:
 third-party identity management providers (for example, Google or LinkedIn);
 our related bodies corporate;

 our suppliers.
The Company may also collect your personal information in any of the following ways:
 social media: if you access a social media page operated by us, the information we collect about you may
include your user ID and/or user name associated with that social media service, any information or content
you have permitted the third-party social media service to share with us, such as your profile picture, email
address, followers or friends lists, and any information you have disclosed in connection with that social media
service;
 our website: each time you visit our website, we may collect information about your use of the website. This
may be from internet browsing or accessing our website via mobile or tablet applications;
 search engines, third-party websites, and social media pages: for example, if you apply for a job with us, we
may conduct background checks through these means;
 cookies: we may use a technology called ‘cookies’ when you visit our website or use our products and
services. Cookies can record information about your visit, usage of our products and services, the device you
used to access them, and your location when using them. We may use cookies where appropriate to gather
information about your computer and your general internet usage to assist us in improving our website,
products, or services. The cookies are downloaded to your device and stored on it’s hard drive, but cannot
read your hard drive or command your device to perform any action. Your web browser may allow you to turn
off cookies. Turning off cookies may restrict your use of our website, products, or services;
 web beacons: Certain sections of our Service and our emails may contain small electronic files known as web
beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example,
to count users who have visited those pages or opened an email and for other related website statistics (for
example, recording the popularity of a certain section and verifying system and server integrity);
 private messaging: we may invite you to send your details to us via private messaging, for example, to answer
a question about your account;
 participation in activities or competitions: you may also be invited to share your personal information to
participate in other activities, such as competitions;
 third-party links: Occasionally, we may display links to third parties on our website or in our apps. Where we
provide a link, it does not mean that we endorse or approve that site’s policy towards visitor privacy. You
should review their privacy policy before providing them with any personal data.
5. Why do we need your personal information?
The Company collects personal information to:
 understand and manage our customers’ needs;
 provide our customers with products and services;
 keep you updated about and inform you of any changes to our website, products, services, or solutions;
 identify you;
 develop and improve our products, services, and business;
 identify your behavior, habits, and preferences;
 market the Company’s and others' products and services to you;
 assist you with inquiries or complaints;
 manage our human resources functions;
 enable us to comply with our legal and regulatory obligations;
 enable us to manage complaints and legal proceedings;
 consider you for employment or a contractor position with us;
 manage our relationships with our investors;

 do business with our suppliers of goods and services (you may be a supplier or employed or engaged by a
supplier);
 notify you if you have won a competition;
 carry out research and analysis related to our products and services;
 protect our rights and property and those of our customers, and
 pursue any other purpose required or permitted by law.
If you do not provide us with your personal information, our ability to provide you with a specific product or service may
be limited.
6. How do we use and disclose your personal information?
We may use and disclose your personal information for any of the abovementioned purposes.
Below is further information about specific uses we may make of your personal information and third parties to which
we may disclose it.
The information below is not intended to be exhaustive, and there may be other third parties to which we provide your
personal information where required or permitted by law.
6.1 Personal Information Disclosure
The persons or organizations to which we disclose your personal information could include:
 our related entities to facilitate our and their internal business processes;
 other organizations with whom we have affiliations so that they may provide you with information about our
products and services and various promotions;
 third-party service providers who assist us in operating our business (for example, marketing service
providers, third-party identity management providers, and other technology service providers);
 our financial advisers, consultants, insurers, legal advisers, auditors, and other professional services
providers;
 organizations involved with us in a corporate reorganization or involved in a transfer or potential transfer of all
or part of the assets or business of our organization, and the advisers of and professional services providers
to those organizations;
 organizations involved in the provision or potential provision of finance to, or any capital raising by, the
Company and the advisers of and professional services providers to those organizations;
 regulators and law enforcement agencies, and
 other organizations as required or authorized by law or where you have consented.
Where practical, the Company will use reasonable commercial efforts to ensure third parties to whom we disclose
your personal information are subject to confidentiality requirements concerning that information.
6.2 Direct Marketing
Direct marketing involves communicating directly with you to promote goods or services and provide you with special
offers from the Company, its related entities, or its third-party business partners. Various methods, including mail,
telephone, email, or SMS, may be used to deliver direct marketing.
We may use and disclose your personal information for the purpose of direct marketing to you where:
 you have consented to us doing so, or
 it is otherwise permitted by law.
You can unsubscribe from our direct marketing or change your contact preferences by contacting us (our contact
details are below).
7. Do we send information to overseas recipients?

The Company provides internet-provisioned services that anyone in any country can use, and our hosting providers
may be outside Australia. However, wherever practical and commercially possible, we try to maintain Australian
Privacy Principles concerning any personal information disclosed to parties outside of Australia or held overseas on
our behalf for any of the reasons above.
8. How is your personal information held?
We value the security of your personal information and are committed to industry best practices and approaches to
prevent the loss, misuse, and alteration of the information in our possession.
We may store your personal information in different ways, including paper-based, electronic, and other formats. We
may use cloud computer storage facilities to store the personal information we hold about you.
We take reasonable precautions to protect the personal information we hold from:
 misuse, interference, and loss; and
 unauthorized access, modification, or disclosure.
These include electronic and physical security measures and ensuring all our staff know the need to respect the
security and confidentiality of our customers’ information.
9. Retention of your Personal Data
The Company will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy
Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for
example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal
agreements and policies.
The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a
shorter period of time, except when it is used to strengthen the security or improve the functionality of Our Service or
when we are legally obligated to retain it for longer periods.
10. Transfer of your Personal Data
Your information, including Personal Data, is processed at the Company's operating offices and in any other places
where the parties involved in the processing are located. This means that this information may be transferred to —
and maintained on — computers outside your state, province, country, or other governmental jurisdiction where the
data protection laws may differ from yours.
Your consent to this Privacy Policy, followed by submitting such information, represents your agreement to that
transfer.
The Company will take all steps reasonably necessary to ensure that your data is treated securely and in accordance
with this Privacy Policy. No transfer of your Personal Data will occur to an organization or a country unless adequate
controls exist, including the security of your data and other personal information.
11. Delete your Personal Data
You have the right to delete or request that We assist in deleting the Personal Data we collected about You.
Our Service may allow you to delete certain information about You from within the Service.
You may update, amend, or delete your information at any time by signing in to your Account if you have one and
visiting the account settings section that allows you to manage your personal information. You may also contact us to
request access to, correct, or delete any personal information you provided.
Please note, however, that We may need to retain certain information when we have a legal obligation or lawful basis
to do so.
12. Your data protection rights
The Company wants to ensure you are fully aware of all your data protection rights. Every user is entitled to the
following:

 The right to access – You can request the Company for copies of your personal data. We may charge you a
small fee for this service;
 The right to rectification – You can request that the Company correct any information you believe is
inaccurate. You also have the right to request the Company to complete the information you believe is
incomplete;
 The right to erasure – You have the right to request that the Company erase your personal data under certain
conditions;
 The right to restrict processing – You have the right to request that the Company restrict the processing of
your personal data under certain conditions;
 The right to object to processing – You have the right to object to the Company's processing of your personal
data under certain conditions;
 The right to data portability – You have the right to request that the Company transfer the data we have
collected to another organization or directly to you under certain conditions.
If you make a request, we have one month to respond to you. If you want to exercise any of these rights, please
contact us at [email protected].
13. How can you access and correct your personal information?
The Company takes reasonable steps to ensure that the personal information we collect, use, or disclose is accurate,
complete, and current. Accuracy depends on the information provided to the Company.
You have the right to seek access to your personal information held by the Company and to request correction of the
information. If you wish to do so, please contact us at [email protected].
We may require evidence of your identity to provide you with access to or correct your personal information.
No fees are associated with requesting access to or correction of your information. However, we may charge a
reasonable fee for processing an access request to cover the cost of locating and supplying the information.
We may refuse to give you access to the personal information we hold about you if we reasonably believe that doing
so would pose a serious threat to the life, health, or safety of an individual, if doing so would have an unreasonable
impact on the privacy of other individuals, or if the request is frivolous or vexatious. Other grounds for refusal to give
access may also apply under the Privacy Act.
14. Other legal requirements
The Company may disclose your Personal Data in the good faith belief that such action is necessary to:
 Comply with a legal obligation
 Protect and defend the rights or property of the Company
 Prevent or investigate possible wrongdoing in connection with the Service
 Protect the personal safety of Users of the Service or the public
 Protect against legal liability
15. Security of your Personal Data
We value the security of your Personal Data, but remember that no method of transmission over the Internet or
method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your
Personal Data, we cannot guarantee its absolute security.
16. Children's Privacy
Our Service does not address anyone under the age of 13, and we do not knowingly collect personally identifiable
information from anyone under the age of 13. If you are a parent or guardian and know your child has provided us with
Personal Data, please contact us. If we become aware that we have collected Personal Data from anyone under the
age of 13 without verification of parental consent, we take steps to remove that information from our servers.

If we need to rely on consent as a legal basis for processing your information and your country requires consent from
a parent, we may require your parent's consent before We collect and use that information.
17. Links to Other Websites
Our Service may contain links to other websites that we do not operate. If you click on a third-party link, you will be
directed to that third-party's site. We strongly advise you to review every site's Privacy Policy. We do not approve,
endorse, have any control over, or assume any responsibility for third-party sites, apps, or services' content, privacy
policies, or practices.
18. Complaints
If you are not satisfied with how we manage your personal information in accordance with the Privacy Act, you can
register a complaint directly with the Company’s Privacy Officer in the first instance.
All complaints need to be lodged in writing.
The Company will follow these steps to address and manage your complaint:
 make a record of your complaint;
 within 7 business days of receiving a complaint, acknowledge your complaint in writing and
 within 30 business days of receiving a complaint, investigate the complaint and provide a response to you in
writing.
If you wish to make a complaint, please contact us at:
Email: [email protected]
Website: www.australianequipmentfinance.com.au
If you are unsatisfied with how a complaint has been handled, you can lodge a complaint directly with the Australian
Information Commissioner.
Email: [email protected]
Fax: 02 9284 9666
Mail: GPO Box 5218, Sydney NSW 2001
19. Changes to this policy
We may modify or replace this policy at any time. We will publish any modified or replacement policy on our website at
Totara Asset Finance Pty Ltd trading as Australian Equipment Finance any changes come into effect upon publication.
By continuing to access or use our products or services after those changes become effective, you agree to the
changed policy.
20. Further information
For more information about any issue relating to this policy, please contact us at:
Email: [email protected]
You can visit the Australian Information Commissioner’s website at www.oaic.gov.au for general privacy information.