Returns & Refunds

Welcome to our website. If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern our relationship with you in relation to this website.

These terms (as defined below) govern the use of the website located at www.ontwowheels.com.au and all related websites operated by On Two Wheels Motorsports Pty Ltd (ABN 41 066 098 897) - and its related bodies corporate (collectively, the Website). 

Please read these Terms carefully. By using the Website, you agree to be bound by, and abide by, these Terms.

You must not use the Website if you do not agree with these Terms.

On Two Wheels reserves the right to change these Terms at any time in accordance with section 4. Please check www.ontwowheels.com.au at regular intervals for any changes. Your continued use of the Website following any changes to these Terms will constitute acceptance of the Terms as varied.

1. Terms

These terms consist of:

(a) these Website Terms & Conditions;

(b) the On Two Wheels Privacy Policy; and as varied from time to time in accordance with section 4. 

 

2. Pricing 

2.1 All prices on the website are displayed in Australian Dollars (AUD) and you will be charged in Australian Dollars (AUD).

2.2 Pricing is subject to change without prior notice.

 

3. Orders

3.1 All orders submitted through the Website are subject to acceptance by On Two Wheels.

3.2 Once you submit your order, you will receive an email to confirm receipt of your order. This email confirmation does not constitute an acceptance of the order or an offer to sell products. On Two Wheels reserves the right to:

(a) refuse an order for any reason; and/or

(b) correct inadvertent errors, omissions or inaccuracies on the Website in relation to price, product availability or product descriptions.

Acceptance of all orders is subject to On Two Wheels confirming availability and price for products ordered. If your order is rejected for any reason you will be given a full refund for any amount paid for the order.

3.3 On Two Wheels only accepts your offer, and concludes the contract of sale for the product(s) ordered by you, when we despatch the product(s) and send you an email confirming that the product(s) have been despatched to your nominated shipping address. On Two Wheels may cancel your order (including orders accepted by On Two Wheels) without any liability to you if any of the products in your order are unavailable, or there were any errors in price or product description on the Website at the time of placing your order, or due to technical errors in processing your order. If we cancel your order for any reason you will be given a full refund for any amount paid for the order.

3.4 If you have placed a Deliver to Store (Click & Collect) order you will only be able to collect your order after you have received an email from Australia Post stating that your order has been successfully delivered to your nominated store. When collecting a Deliver to Store (Click & Collect) order from the store, you are required to supply a copy of your On Two Wheels online order confirmation email with your unique order number and photo identification. If you have not collected your Deliver to Store (Click & Collect) order within 14 days of delivery to the store, On Two Wheels reserves the right to return your Deliver to Store (Click & Collect) order to our stock and process a full refund for any amount paid for the order.

 

4. Intellectual Property Rights

4.1 All copyright in data, text, software, images, graphics, trademarks, logos, interfaces, photographs, and other intellectual property on the Website (Content) is owned by, or licensed, to On Two Wheels. Except for viewing the Content for your own personal non-commercial use or as otherwise agreed in writing, On Two Wheels does not grant you any rights to use the Website or Content for any other purpose.

4.2 All registered or unregistered trademarks used on the Website belong to their respective owners.

 

5. User Account

5.1 If you sign up for a user account on the Website, you:

(a) must keep your username and password confidential and secure; and

(b) accept all liability for any unauthorised use of any username or password issued to you (other than any unauthorised use resulting from any negligent act or omission legally attributable to On Two Wheels).

5.2 When signing up for a user account, you must provide accurate, complete and up-to-date information as requested during the sign-up process. It is your responsibility to inform On Two Wheels of any changes to that information. You may do this at any time by updating your details via your user account.

 

6. Use of the Website

6.1 You must not:

(a) access or attempt to access any part of the Website which is not designated for access by your password (where applicable);

(b) except as permitted under section 4.1, by any means copy, reproduce, republish, adapt, upload, link, post, frame, translate, transmit or distribute any part of the Website or any Content;

(c) use the Website or any Content in any way that is unlawful or breaches the rights of On Two Wheels or any third party;

(d) post, or transmit to the Website any abusive, obscene, threatening, defamatory, illegal or otherwise inappropriate material;

(e) do anything that imposes an unreasonable or disproportionate workload on the Website, or interferes or disrupts the Website or any network or other website connected to the Website;

(f) breach the security of the Website, test or scan the vulnerability of the Website, or make any unauthorised modifications to the Website;

(g) interfere with any other person's use or enjoyment of the Website;

(h) use any robot, spider, scraping device, deep link, or any other automatic tool or algorithm, or any manual process that performs the same function, to copy or use any content or any part of the content on the Website, or to reproduce or separately store or use such content;

(i) post or transmit any materials to the Website which breaches any laws relating to a person’s right to privacy or the export of personal data;

(j) post or transmit any materials to the Website which is incorrect or misleading; or

(k) use the Website in any way that otherwise breaches these terms.

6.2 On Two Wheels may refuse you access to the Website or edit or delete material posted by you in contravention of these conditions.

 

7. Third Party websites

7.1 The Website may contain links to other websites controlled by third parties (Third Party Websites). On Two Wheels is not responsible for any content on Third Party Websites nor does it endorse or approve such websites. If you choose to visit these Third Party Websites you do so at your own risk, and should make your own enquiries before relying on any content contained on such Third Party Websites.

7.2 On Two Wheels makes no representations about the quality or accuracy of content available on Third Party Websites, or that such content does not infringe the intellectual property rights or other rights of a third party.

 

8. Cookies

Cookies may be used on some areas of the Website. A cookie is a small file placed on a user's hard drive which tracks website navigation. For example, a cookie can be used to store registration information so that a user does not need to re-enter that information on subsequent visits. If you are concerned about cookies, most browsers have an option which permits users to refuse cookies. A user can refuse a cookie and still fully navigate our Website. In order to collect statistics, we may anonymously log information, and identify categories of users by data items such as domains and browser types.

 

9. Disclaimers and limitations

9.1 Whilst On Two Wheels updates the Website regularly, it makes no representation as to the accuracy, currency or completeness of any Content or services on the Website. All Content and services are provided on the basis that you undertake the responsibility for assessing their accuracy and that you rely on the Content and services entirely at your own risk. You should seek independent advice before acting on any material or information contained on the Website of any Third Party Website, and you must not provide any warranties to third parties in relation to the Content, the services or the performance of the Website.

9.2 To the extent that you acquire goods or services from On Two Wheels as a 'consumer' (as that term is defined in section 3 of the Competition and Consumer Act 2010 (Cth)), you may have certain rights and remedies (including, without limitation, consumer guarantee rights) that cannot be excluded, restricted or modified by agreement. Nothing in these Terms operates to exclude, restrict or modify the application of any implied condition or warranty, provision, the exercise of any right or remedy, or the imposition of any liability, implied or conferred the Australian Consumer Law (as set out in Schedule 2 to the Competition and Consumer Act 2010 (Cth)) or any other statute where to do so would contravene that statute or cause any term of these Terms to be void (Non-excludable Obligations)

9.3 Subject to section 9.2:

(a) all Content and services on the Website are provided on an 'as is' basis; and

(b) On Two Wheels:

(i) expressly excludes all conditions, warranties, rights, remedies, liabilities or other terms that may be implied or conferred by statute, custom or the general law that impose any liability or obligation on On Two Wheels; and

(ii) does not warrant or guarantee in any way:

(A) the accuracy or completeness of any Content;

(B) that access to or operation of the Website will be uninterrupted or error free;

(C) that any defects on the Website will be corrected immediately; or

(D) that the Website will be free from viruses or other contamination.

(c) On Two Wheels will not be liable to you for loss of profit or business revenue, reputation, goodwill, business or business contracts, use, anticipated savings, loss or corruption or destruction of data, loss arising from the transmission of viruses, or any indirect or consequential liability, loss or damage suffered by you (including any liability incurred to a third party) in connection with:

(i) the Website;

including as a result of any negligence of On Two Wheels, and whether or not On Two Wheels was advised in advance of the possibility of such liability, loss or damage.

(d) On Two Wheels' total liability to you (including as a result of any negligence of On Two Wheels) in respect of any and all loss or damage suffered by you in connection with the Website is otherwise limited to $100.

 

10. Indemnity

You indemnify On Two Wheels against all actions, claims, charges, costs (including legal costs on a full indemnity basis), expenses, losses, damages and other liability that On Two Wheels may sustain or incur, directly or indirectly, as a result or as a consequence of:

(a) your breach of these Terms;

(b) any negligent or fraudulent act, error or omission by you;

(c) your reliance on the Content or services on this Website; or

(d) the reliance of any third party to whom you disclose or otherwise make available any part of the Content.

 

11. Suspension and termination

11.1 You may stop using the Website at any time for any reason.

11.2 On Two Wheels reserves the right, in its sole discretion, to suspend or terminate your access to the Website at any time without notice and for any (or no) reason, including, without limitation, due to:

(a) upgrades or maintenance performed on the Website; and

(b) your breach of these Terms.

Any such suspension or termination will not affect either party's rights or liabilities.

11.3 To the extent permitted by law:

(a) On Two Wheels may disclose any information we may have about you in relation to an investigation or allegation that your use of the Website is in breach of these Terms, or is in breach of law or other regulation; and

(b) On Two Wheels reserves its right to identify or bring legal action against any person who is breaching these Terms, including obtaining injunctive relief.

 

12. Gift Card Terms & Conditions

All On Two Wheels gift Cards purchased have a 3 year expiry date from the date of issue and can be used in all our stores across Australia and not online as payment. Gift cards can be redeemed for merchandise only and not for cash, another gift card will be issued if total amount is not redeemed.

(a) Please note On Two Wheels gift cards are non-refundable, non-transferable and cannot be redeemed for cash. Gift Cards are treated as cash and cannot be replaced if lost or stolen.

 

13. Changes to these Terms

13.1 On Two Wheels may change these Terms from time to time. If On Two Wheels reasonably considers that the change is likely to:

(a) benefit you or have a neutral or minor detrimental impact on you, On Two Wheels may change these Terms by making such changes immediately without notifying you except by publishing these terms as amended on the Website; or

(b) have a significant detrimental impact on you, On Two Wheels will make such changes to these Terms no sooner than 10 days after On Two Wheels has notified you of those changes either by putting a notice on this website and/or by email to the email address stored on your user account.

If you do not accept a change made to these Terms, you must immediately cease using the Website and may close your user account by sending an email to hello@ontwowheels.com.au or via your user account.

 

14. General

14.1 If any provision of these Terms is found to be invalid or unenforceable by a court of law, it may be severed and will not affect the remainder of these Terms, which will continue in full force and effect and these Terms will be deemed amended to replace, to the extent legally permitted, the rights and obligations contained in the invalid, illegal, or unenforceable provision. The invalidity, illegality, or unenforceability of any provision of these Terms will not constitute failure of consideration.

14.2 Any failure by On Two Wheels to act or enforce these Terms immediately will not be considered a waiver of On Two Wheels' right to take any such action.

14.3 These Terms are governed by the laws of New South Wales, Australia. By using the Website, you irrevocably and unconditionally submit to the exclusive jurisdiction of the courts of New South Wales, Australia in relation to any dispute relating to the Website. You are responsible for your compliance with all laws and regulations applicable to your location.

 

Last updated: February 2021

Welcome to On Two Wheels Motorsports

On Two Wheels Motorsports Pty Ltd. and its affiliates (collectively “On Two Wheels”, “we” and “us”) respect your privacy.

We are committed to protecting your personal information in accordance with the Australian Privacy Principles in the Privacy Act as well as other applicable legislation.

Our Privacy Policy describes the types of Personal Data we collect through our payments products and services (“Services”) and via our online presence, via our main website at www.ontwowheels.com.au. This policy also describes how we use Personal Data, with whom we share it, your rights and choices, and how you can contact us about our privacy practices. This policy does not apply to third-party websites, products, or services, even if they link to our Services or Sites, and you should consider the privacy practices of those third-parties carefully.

 

Overview

On Two Wheels Motorsports obtains Personal Data about you from various sources to provide our Services. “You” may be a visitor to our website, a user of our Services (“User”).

In order to provide services to you, we may ask for personal information such as your name, address, telephone number or email address. The personal information we collect about you depends on the dealings you have with us. Personal Information includes information about an individual who is reasonably identifiable.

Our privacy policy relates to the personal information we collect about you as our customers, visitors to our websites, apps, social media and members of the public.

On Two Wheels Motorsports needs to collect certain personal information in order to properly carry out its functions and activities. The types of information that the Company collects will depend on the circumstances of the individual’s involvement or contact with the Company.

 

Personal Data We Collect

(a) Personal Data that we collect about you

Personal Data is any information that relates to an identified or identifiable individual. The Personal Data that you provide directly to us through our Services will be apparent from the context in which you provide the data. In particular:

• When you register for an On Two Wheels Motorsports account, we collect your full name, email address, and account log-in credentials.

• When you make an in-store or online purchase.

• Reserve items in store or Collect In Store (Click & Collect).

• When you respond to On Two Wheels Motorsports marketing emails or surveys, we collect your email address, name and any other information you choose to include in the body of your email or responses. If you contact us by phone, we will collect the phone number you use to call On Two Wheels Motorsports. We may collect additional information in order to verify your identity.

• If you make payments or conduct transactions through our website, we will receive your transaction information. This information may be passed on to our third-party payment gateway Stripe for the purpose of fulfilling the purchase from us. The information that we collect will include payment method information (such as credit or debit card number, or bank account information), purchase amount, date of purchase, and payment method. Different payment methods may require the collection of different categories of information. On Two Wheels Motorsports will determine the payment methods that it enables you to use, and the payment method information that we collect will depend upon the payment method that you choose to use from the list of available payment methods that are offered to you on our website. When you make a transaction, we may also receive your name, email, billing or shipping address and in some cases your transaction history to authenticate you.

You may also choose to submit information to us via other methods, including:

• (i) in response to marketing or other communications,

• (ii) through social media or online forums,

• (iii) through participation in an offer, program or promotion,

• (iv) sending us an enquiry or providing us with feedback.

When we conduct fraud monitoring, prevention, detection, and financial compliance activities, we will receive Personal Data from you (and your device) and about you through our Service and from our business partners, financial service providers, identity verification services, and publicly available sources (e.g., name, address, phone number, country), as necessary to confirm your identity and prevent fraud. Our fraud monitoring, detection and prevention services may collect Personal Data about you and use technology to help us assess the risk associated with an attempted transaction by you via our website.

Generally, you have no obligation to provide any information requested by On Two Wheels Motorsports. If you choose to withhold requested information however, we may not be able to provide you with the service you require should that depend on the collection of that information, particularly if the collection of that information is required by law.

 

(b) Information that we collect automatically on our website, social media and apps.

Our website use cookies and other technologies to function effectively. Cookies are small text files that websites or apps may place on your computer or device, and are used to recognise repeat users of websites and remember user preferences.

These technologies record information about your use of our website, social media sites and apps, includes:

• Browser and device data such as IP address, device type, operating system and Internet browser type, screen resolution, operating system name and version, device manufacturer and model, language, plug-ins, add-ons and the language version of our website;

• Usage data, such as time spent on our website, pages visited, links clicked, language preferences, and the pages that led or referred you to our website.

We also collect information about your online activities on websites and connected devices over time and across third-party websites, devices, apps and other online features and services. We use Google Analytics on our website to help us analyze your use of our website, with the purpose of improving the functionality and diagnose technical issues.

 

How We Use Personal Data

(a) Our products & services.

We rely upon a number of legal grounds to ensure that our use of your Personal Data is compliant with applicable law. Some of the purposes of collecting, holding, using and disclosing personal information are to:

• To create orders

• To deliver any of On Two Wheels Motorsports’ loyalty programs or customer relationship management systems

• To provide you with services you have requested from us

• Answering queries, resolving complaints and responding to social media

• To promote On Two Wheels Motorsports, including through direct marketing, events and competitions, public relations and social media

• Performing research and statistical analysis

• Helping us tailor existing or develop new products, services or offers,

• Protecting the security of our stores, team members, customers, suppliers and merchandise (including fraud prevention)

• Requirements under law or regulations, or for other purposes explained at the time of collection

 

(b) Marketing and events-related communications.

We may send you email marketing communications about On Two Wheels Motorsports products and services, invite you to participate in our events or surveys, or otherwise communicate with you for marketing purposes, provided that we do so in accordance with the consent requirements that are imposed by applicable law.

For example, when you ‘opt in’ to the Subscribe section on our website, we collect your contact details and may use the information to follow-up with you regarding an event, send you information that you have requested on our products and services and, with your permission, include you on our marketing campaigns.

You can opt out from receiving our marketing communications at any time by:

• using the unsubscribe facility that we include in our electronic messages to opt out of receiving those messages.

• contacting our Marketing team by email at marketing@ontwowheels.com.au

 

How We Disclose Personal Information

On Two Wheels Motorsports does not sell or rent Personal Data to marketers or unaffiliated third parties. We share your Personal Data with trusted entities, as outlined below.

• financial institutions for payment processing

• regulatory, investigative or government bodies to comply with laws and regulations

• On Two Wheels Motorsports’ contracted service providers or partners, including: overseas and local agents, delivery and shipping providers, information technology service providers, marketing and communications agencies, research and statistical analysis providers, hard copy and electronic mail houses, manufacturers and suppliers, external business advisers (eg auditors and lawyers).

 

Access to, and correction of, Personal Information

We take all reasonable steps to ensure that all information we hold is as accurate as is possible. You are able to contact us at any time and ask for its correction if you feel the information, we have about you is inaccurate or incomplete.

(a) Opting out of receiving electronic communication from us. If you no longer want to receive marketing-related emails from us, you may opt-out via the unsubscribe link included in such emails or contact our marketing team at marketing@ontwowheels.com.au. We will try to comply with your request(s) as soon as reasonably practicable. Please note that if you opt-out of receiving marketing-related emails from us, we may still send you important administrative messages that are required to provide you with our Services.

(b) Correcting your Personal Information.If you would like to review, correct, or update Personal Information that you have previously disclosed to us, you may do so by contacting our team at marketing@ontwowheels.com.au and we will take reasonable steps to correct that information to ensure that the information is accurate, up-to-date, and not misleading. If we correct personal information about you, and we have previously disclosed that information to another agency or organisation that is subject to the Privacy Act, you may ask us to notify that other entity. If so, we will take reasonable steps to do so, unless this would be impracticable or unlawful.

 

Security of Personal Information

On Two Wheels Motorsports takes measures to ensure your personal information is protected from unauthorised access, loss, misuse, disclosure or alteration.

We take reasonable steps to:

• ensure access to and use of personal information within the On Two Wheels Motorsports is appropriately limited to prevent misuse or unlawful disclosure of information.

• ensure that the personal information that we use and disclose is accurate, up to date and complete;

• destroy or permanently de-identify personal information that is no longer needed for purposes permitted by the Australian Privacy Principles.

• ensure that in instances where other organisations provide support and or services, the On Two Wheels Motorsports requires them to appropriately safeguard the privacy of the information provided to them.

We endeavour to protect the personal information of users of our website, however, we cannot guarantee the security of information you disclose online - you disclose that information at your own risk.

If you are concerned about sending your information over the internet, you can contact On Two Wheels Motorsports via email at marketing@ontwowheels.com.au

If you become aware of any security breach, please let us know as soon as possible.

 

Third Party Website

This web site contains may contain links to websites and information provided by third parties. There may be technical inaccuracies, typographical or other errors, programming bugs or computer viruses contained within the web site or its contents.

On Two Wheels Motorsports makes no representations about the accuracy or suitability of the information or links provided on this website. The information is provided ‘as is’, without express or implied warranty. You use the information and links at your own risk. On Two Wheels Motorsports takes no responsibility for the content of Internet sites that link to or from the On Two Wheels website. Except as set out below, On Two Wheels Motorsports excludes all:

• warranties whether express, implied, statutory or otherwise, relating in any way to this web site or your use of this web site; and

• liability (including for negligence) to you or anyone else in respect of any loss or damage (including special, indirect or consequential loss or damage such as loss of revenue, unavailability of systems or loss of data) arising from or in connection with any use of the information on or access through this web site for any reason whatsoever (including negligence).

Where any statute implies any term into your use of or any arrangement arising out of the accessing of this web site and that statute prohibits exclusion of that term, then that term is included. If and to the extent permitted by the statute, however, On Two Wheels Motorsports’ liability for any breach of such term is limited to the resupply of services.

 

Contacting Us

On Two Wheels Head Office is located at 18 Holburn Circuit, Gledswood Hills NSW, 2557, Australia. If you have a complaint or query in relation to our privacy policy, you can contact the Company by emailing the Marketing Team at marketing@ontwowheels.com.au

All complaints received by the Marketing Team will be handled in a fair, confidential, and timely manner. We will respond to you by your preferred contact method if you have indicated one.

 

Further information

Further information about the Privacy law and the Australian Privacy Principles is available from the Office of the Australian Information Privacy Commissioner’s website www.oaic.gov.au or on 1300 363 992.

 

Updates to this Privacy Policy and Notifications

We may amend our Privacy Policy from time to time. The current version will be published on our website.

We may change this Privacy Policy from time to time to reflect new services, products or with regards to relevant laws. The “Last updated” legend at the top of this Privacy Policy indicates when this Privacy Policy was last revised. Any changes are effective when we post the revised Privacy Policy on our website. We may provide you with disclosures and alerts regarding the Privacy Policy by posting them on our website.

 

Updated 11 January 2021

PERSONAL INFORMATION
Yamaha Motor Finance Australia Pty. Ltd. ABN 29 101 928 670 (“YMF”) may collect personal information from you. YMF will use, disclose and make accessible your personal information in accordance with its Privacy Policy, the Privacy Act 1988, the Australian Privacy Principles and this authorisation.

YMF AND CREDIT REPORTING BODIES
You authorise YMF to give to and seek personal information about your credit arrangements or obtain a consumer or commercial credit report containing information about you from any credit reporting body.

You also authorise YMF to make a verification request of and to obtain an identity verification assessment about you from a credit reporting body using your personal information.

The personal information which YMF may give or seek includes (where applicable):

• your name, sex, date of birth, current address and last two addresses, current or last known employer and driver’s licence number;
• the fact that you have entered into or propose to enter into a credit agreement with YMF, the type of credit agreement, the credit limit or the amount of credit that you have or will obtain in accordance with the credit agreement and your monthly repayment history;
• that you have drawn cheques for $100.00 or more which have been dishonoured more than once;
• that court judgments and/or bankruptcy orders have been made against you;
• that you are 60 days or more overdue in making a payment to YMF and that steps have been taken to recover all or any part of the money that you owe; and.
• that, in YMF’s opinion, you have committed a serious credit infringement.

You authorise YMF to give to and seek credit reports and other information about your credit arrangements from:

• credit providers named in any application by you or Agreement between you and YMF; and
• any credit providers that may be named in a credit report issued by a credit reporting body.

Your authorisation entitles YMF to exchange information about your credit worthiness, credit standing, credit history and credit capacity.

USE OF YOUR PERSONAL INFORMATION
Credit reports, identity verification assessments and other personal information YMF obtains about you including your credit arrangements from a credit reporting body or credit provider may be used by

YMF for the following purposes:

• to verify your identity;
• to assess your application;
• to collect payments that are overdue;
• to notify a credit provider if you breach an agreement with YMF;
• to exchange personal information with other credit providers as to the status of your account where you are in breach of a contract with a credit provider;
• to assess your credit worthiness;
• to allow a credit reporting agency to create a file about you;
• to administer your account;
• to monitor your performance or compliance under any agreement for sale or supply of goods or services connected to provision of credit by YMF; and
• any other purpose permitted or required by law.

PEOPLE WE MAY EXCHANGE YOUR PERSONAL INFORMATION WITH
You authorise YMF to give to and seek personal information about you from:

• any person or organisation named by you in the application or provided by you from time to time;
• your proposed guarantor(s), consumer credit insurer(s), mortgaged goods insurer(s) and other insurance providers;
• YMF’s related companies and joint venture partners;

PERSONAL INFORMATION
Yamaha Motor Finance Australia Pty. Ltd. ABN 29 101 928 670 (“YMF”) may collect personal information from you. YMF will use, disclose and make accessible your personal information in accordance with its Privacy Policy, the Privacy Act 1988, the Australian Privacy Principles and this authorisation.

YMF AND CREDIT REPORTING BODIES
You authorise YMF to give to and seek personal information about your credit arrangements or obtain a consumer or commercial credit report containing information about you from any credit reporting body.

You also authorise YMF to make a verification request of and to obtain an identity verification assessment about you from a credit reporting body using your personal information.

The personal information which YMF may give or seek includes (where applicable):

• your name, sex, date of birth, current address and last two addresses, current or last known employer and driver’s licence number;
• the fact that you have entered into or propose to enter into a credit agreement with YMF, the type of credit agreement, the credit limit or the amount of credit that you have or will obtain in accordance with the credit agreement and your monthly repayment history;
• that you have drawn cheques for $100.00 or more which have been dishonoured more than once;
• that court judgments and/or bankruptcy orders have been made against you;
• that you are 60 days or more overdue in making a payment to YMF and that steps have been taken to recover all or any part of the money that you owe; and.
• that, in YMF’s opinion, you have committed a serious credit infringement.

You authorise YMF to give to and seek credit reports and other information about your credit arrangements from:

• credit providers named in any application by you or Agreement between you and YMF; and
• any credit providers that may be named in a credit report issued by a credit reporting body.

Your authorisation entitles YMF to exchange information about your credit worthiness, credit standing, credit history and credit capacity.

USE OF YOUR PERSONAL INFORMATION
Credit reports, identity verification assessments and other personal information YMF obtains about you including your credit arrangements from a credit reporting body or credit provider may be used by

YMF for the following purposes:

• to verify your identity;
• to assess your application;
• to collect payments that are overdue;
• to notify a credit provider if you breach an agreement with YMF;
• to exchange personal information with other credit providers as to the status of your account where you are in breach of a contract with a credit provider;
• to assess your credit worthiness;
• to allow a credit reporting agency to create a file about you;
• to administer your account;
• to monitor your performance or compliance under any agreement for sale or supply of goods or services connected to provision of credit by YMF; and
• any other purpose permitted or required by law.

PEOPLE WE MAY EXCHANGE YOUR PERSONAL INFORMATION WITH
You authorise YMF to give to and seek personal information about you from:

• any person or organisation named by you in the application or provided by you from time to time;
• your proposed guarantor(s), consumer credit insurer(s), mortgaged goods insurer(s) and other insurance providers;
• YMF’s related companies and joint venture partners;
• any of your guarantors, consumer credit insurers, mortgage goods insurers, introducers, consultants, brokers or any supplier of goods and services including suppliers of goods and services of which YMF is a linked credit provider;
• YMF’s collection agents, a credit reporting body, or an unrelated debt recovery organisation if you are in breach of any agreement with YMF; or
• YMF’s related companies and organisations which service your account or any agreement you have with YMF.

You also authorise your accountant to release and disclose your financial information to YMF, YMF’s related companies, joint venture partners and its agents and you authorise government authorities which hold your drivers’ licence and/or motor vehicle registration information to confirm your address details to YMF, YMF’s related companies, joint venture partners and authorised agents. If you do not provide the information requested or do not give your authority for the use of the information, YMF may decline your application.

YMF will not disclose personal information to overseas recipients.

MARKETING
You authorise YMF, YMF’s related companies, joint venture partners and agents and contractors to use your personal information for marketing, planning and product development purposes by YMF or YMF’s related companies and joint venture partners. You can request that you do not receive direct marketing communications.

OBTAINING OUR PRIVACY POLICY, ACCESSING AND CORRECTING YOUR INFORMATION
YMF’s Privacy Policy contains information about how you can access and correct your personal information.

You can access YMF’s Privacy Policy at YMF’s website: www.yamaha-motor.com.au/finance/ymf

You can also request a copy of YMF’s Privacy Policy or access and correct your personal information by:

• contacting YMF Customer Service on 1800 123 100; or
• writing to:
  The Privacy Officer
  Yamaha Motor Finance Australia Pty. Ltd.
  Locked Bag 79
  Wetherill Park, NSW 2164

RESOLVING CONCERNS
If you believe the privacy of your personal information has been compromised, you are entitled to complain to YMF.

YMF’s Privacy Policy contains information about how you can make a complaint.

PROVIDING PERSONAL INFORMATION ABOUT OTHERS
If you provide personal information about another individual you agree that you will inform the individual that personal information about them has been supplied to YMF, why it has been provided and that they can contact YMF to obtain access to or correct their personal information or get a copy of YMF’s Privacy Policy.

CONTINUING CONSENTS AND AUTHORITIES
YMF may use or disclose this information before, during or after the term of any agreement you have with YMF.any of your guarantors, consumer credit insurers, mortgage goods insurers, introducers, consultants, brokers or any supplier of goods and services including suppliers of goods and services of which YMF is a linked credit provider;

• YMF’s collection agents, a credit reporting body, or an unrelated debt recovery organisation if you are in breach of any agreement with YMF; or
• YMF’s related companies and organisations which service your account or any agreement you have with YMF.

You also authorise your accountant to release and disclose your financial information to YMF, YMF’s related companies, joint venture partners and its agents and you authorise government authorities which hold your drivers’ licence and/or motor vehicle registration information to confirm your address details to YMF, YMF’s related companies, joint venture partners and authorised agents. If you do not provide the information requested or do not give your authority for the use of the information, YMF may decline your application.

YMF will not disclose personal information to overseas recipients.