Pay@bility Pty Ltd (ABN 67 625 177 960) are committed to protecting the privacy of customers and includes its related bodies corporate;
This statement sets out what we regard as personal information, how we collect it and what we use it for.
Personal information is information about you which could be used to identify you. Generally, we collect the following information about you;
• Name
• Address
• Date of Birth or Age
• Employer
• Salary or Wage information
• Type of employment
• Job title
• Employee number
• Banking account details
We do not collect sensitive information about you, which includes pollical affiliations, religious views or beliefs, criminal records, racial background and health.
Depending on the types of service we are providing to you, we may also collect information on your number of dependants, employment history, proof of income, assets and liabilities, expenses, credit history, claims history for insurance and any other information required for Anti-Money Laundering and Anti-Terrorist Financing compliance.
Where possible, we collect information directly from you via telephone calls, web submissions, email and application forms. We also collect information on you when you visit our Websites and navigate through web pages or through third party websites that have directed you to us.
We collect your personal information to provide products and services to you and to market new products and services to you. You can at any time unsubscribe to receiving marketing material from us. We also use your personal information to verify your identity when dealing with you.
Through our Websites and cookies, we track and monitor usage in order to improve our marketing and statistical reporting. In managing our relationship with you, we aim to keep your personal information as up to date as possible.
We use your personal information for compliance with legal and regulatory obligations and may provide your personal information to third party providers who provide services to us, such as;
• Your employer;
• Our employees, auditors, legal advisors, agents, contractors or consultants;
• A bank or financial institution to provide products you have requested;
• Insurance companies who provide insurance you have requested;
• Your advisors, as appointed and authorised by you;
• Motor vehicle dealerships and fuel companies in providing services or products you have requested;
• Superannuation funds for receiving your contributions;
State and Territory authorities for vehicle registrations;
We use your IP address to identify your computer and analyse your usage of the Websites. Each time you use the Websites we collect information on your preferences and products that are of interest to you. We also use this information to track statistical information and improve our service to you. Please refer to our Terms of Use for further information on our use of Cookies.
We take precautions to protect your personal information and protect it from unauthorised access or loss and it is destroyed when no longer needed. Data transferred across the internet can be accessed before it is saved on our network and in our Terms of Use of the Websites you acknowledge that such transfer is at your own risk. We have implemented security measures to protect your personal information and recommend that you change passwords regularly and use a combination of words, characters and numerals in your passwords.
You may request a copy of the personal information we hold on you at any time. As a general rule, we verify your request and will provide the information within 2 weeks of having received your request. Depending on the complexity of your request, it may take longer to provide your with the information you have requested and in those circumstances, we will provide you with a revised plan for completion. We may charge you for information requested based on the time taken to extract the information.
Should any information be inaccurate or not updated, we request that you provide us with updated information as soon as possible to assist us in providing products or services to you.
Should you wish further information or register a complaint in regards to this Statement, you can do so through sending an email or letter to the Privacy Officer at pay@bility.com.au or at Po Box 5671, St Georges Terrace, 6831.
E-Bike Leasing allows Employees to obtain Income Tax & GST Savings through Salary Packaging the Purchase of a New or Used E-Bike. The Package allows individuals to pay for the E-Bike & its Running Costs with Pre-Tax funds.
Sparque E-Bikes
Sparque offers an extensive E-Bike range & is main providers. Their website offers a tailored calculator to determine how much you can save with Salary Packaging.
Does the E-Bike remain registered in my name
Yes
What can I package
The purchase of the E-Bike & its running costs.
How does the Residual Work
The residual value of the bike is based on the term of the contract, implying that would be the value of the vehicle at the end of the term. At the end of the term, you can either:
What are the benefits
You can save thousands each year in tax.
An Associate lease allows you to salary package a car your partner or spouse owns, whether still on finance or not, through a lease agreement.
Is there any age restriction on the car?
No, there is no age restriction
How does the leaseback arrangement work?
You sell your car to Lend@bility, who pay the purchase price to you monthly, over the period of the lease. Lend@bility then lease the vehicle back to you and you pay the rental in pre-tax dollars, deducted from your pay.
Does the car remain registered in my name?
Yes
What can I package?
You can package your vehicle running costs and the lease rental on the vehicle
How does the Residual Work?
The ATO defines a the residual value of the vehicle based on the term of the contract, implying that would be the value of the vehicle at the end of the term. At the end of the term, Lend@bility still owe you the residual and you owe Lend@bility the equivalent residual. We exchange and you keep your car.
What are the benefits?
You can save thousands each year in tax and through fleet discounts
EquiLease allows you to salary package a car you already own, through a sale and leaseback arrangement.
Is there any age restriction on the car
No, there is no age restriction
How does the leaseback arrangement work
You sell your car to Lend@bility, who pay the purchase price to you monthly, over the period of the lease. Lend@bility then lease the vehicle back to you and you pay the rental in pre-tax dollars, deducted from your pay.
Does the car remain registered in my name
Yes
What can I package
You can package your vehicle running costs and the lease rental on the vehicle
How does the Residual Work
The ATO defines a the residual value of the vehicle based on the term of the contract, implying that would be the value of the vehicle at the end of the term. At the end of the term, Lend@bility still owe you the residual and you owe Lend@bility the equivalent residual. We exchange and you keep your car.
What are the benefits
You can save thousands each year in tax and through fleet discounts
Novated Leasing allows Employees to obtain Income Tax & GST Savings through Salary Packaging the Purchase of a New or Used Car. The Package allows individuals to pay for the Vehicle & its Running Costs with Pre-Tax funds.
Is there any age restriction on the car
Yes, Vehicles cannot be older than 12 years, at the time the Lease Ends. i.e. a 7 year old car for 5 years will just qualify.
How does the lease arrangement work
We can assist with Vehicle Sourcing, Novated Lease Finance Sourcing & the Set Up, as well as Maintenance, of your Lease. Every Month we receive just enough money to cover your finance & running Costs, we pay the financier directly & make the rest available for you to spend on your car.
Does the car remain registered in my name
Yes
What can I package
You can package your vehicle running costs and the finance on the vehicle
How does the Residual Work
The ATO defines a the residual value of the vehicle based on the term of the contract, implying that would be the value of the vehicle at the end of the term. At the end of the term, you can either:
-Re-finance your lease (if eligible)
-Sell the vehicle
-Decide to pay it out & keep it. You can then use EquiLease to continue Salary Packaging
What are the benefits
You can save thousands each year in tax as well as fleet discounts.
Notifications
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By completing this form, you are consenting to be contacted by Resolve Finance, on the understanding that you have read and agree to our privacy and data collection statement and that you can opt-out at any time.
Novated Lease
(for new vehicle)
Is there any age restriction on the car?
No, there is no age restriction
How does the leaseback arrangement work?
You sell your car to Lend@bility, who pay the purchase price to you monthly, over the period of the lease. Lend@bility then lease the vehicle back to you and you pay the rental in pre-tax dollars, deducted from your pay.
Does the car remain registered in my name?
Yes
What can I package?
You can package your vehicle running costs and the lease rental on the vehicle
How does the Residual Work?
The ATO defines a the residual value of the vehicle based on the term of the contract, implying that would be the value of the vehicle at the end of the term. At the end of the term, Lend@bility still owe you the residual and you owe Lend@bility the equivalent residual. We exchange and you keep your car.
What are the benefits?
You can save thousands each year in tax and through fleet discounts
