Last updated: 27 November 2025
1. Who We Are
Auto Deduct Pty Ltd (ABN 85 676 125 858) (Auto Deduct, we, us, our) provides novated leasing, vehicle finance facilitation and related salary packaging services to employees and employers across Australia.
By using www.auto-deduct.com (our Website) or dealing with us, you agree to this combined Website Terms, Privacy & Credit Reporting Statement (Policy). If you do not agree, please do not use the Website or provide your information.
2. Website Use
- Our Website, tools and calculators are provided for general information only.
- Content may change at any time without notice.
- You must not use the Website for unlawful, disruptive or fraudulent activity.
- All Website content (text, images, logos, calculators, documents, design) is owned by Auto Deduct and must not be copied, reproduced or republished without permission.
3. General Information Disclaimer
Information on the Website, in emails, messages or calculators:
- is general in nature
- does not consider your personal financial situation
- is not financial, tax, legal or accounting advice
- should be considered together with independent professional advice.
All novated leases and finance arrangements are subject to:
- full credit assessment and lender approval; and
- your employer agreeing to participate.
4. Our Role & Third Parties
Auto Deduct acts as a novated leasing broker, working with trusted financiers, dealers, insurers and service providers to arrange products on your behalf.
We may receive commissions from third parties (financiers, dealers, insurers, warranty providers). These commissions are not charged to you and form part of standard industry practice.
We are not responsible for the accuracy, completeness or reliability of information provided directly by third-party partners or websites.
5. External Links
Our Website may contain links to websites operated by third parties.
These links are provided for convenience only.
We do not endorse and are not responsible for the content, privacy practices or security of third-party sites.
6. Limitation of Liability
To the maximum extent permitted by law:
- we do not guarantee that the Website information is complete, accurate or current;
- we are not liable for any loss, damage, cost or expense arising from your use of the Website, calculators, documents or linked sites.
Nothing in this Policy excludes or limits rights you may have under the Australian Consumer Law.
PRIVACY & CREDIT REPORTING
We comply with the Privacy Act 1988 (Cth), the Australian Privacy Principles, and the credit reporting provisions of the Privacy Act.
7. Information We Collect
We may collect the following types of information:
Personal Identification & Contact Information
Name, address, date of birth, email, phone number.
Employment & Financial Information
Employer details, payroll details, income, pay frequency, bank details (where required).
Credit-Related Information
Credit applications, repayment history, identity verification results, information from credit reporting bodies.
Vehicle & Lease Information
Vehicle preferences, specifications, quotes, lease details, running cost budgets.
Interaction & Communication Data
Emails, phone calls, online forms, chats, meeting notes.
Technical & Website Data
Device information, IP address, browser type, cookies, analytics data.
We do not collect sensitive information unless necessary and you have consented.
8. How We Collect Information
We may collect information:
- directly from you (forms, email, phone, chat, meetings)
- through our Website, calculators, JotForm/Typeform tools
- from your employer or payroll provider
- from our financiers, dealers, insurers and service partners
- from credit reporting bodies and ID verification services.
Where you provide information about another individual, you must ensure they have consented.
9. Why We Collect & Use Information
We use your information to:
- provide quotes, estimates and guidance
- submit and manage finance applications
- verify your identity
- liaise with your employer to establish payroll deductions
- manage your lease, payments, renewals and end-of-term actions
- provide support services
- send product updates, offers and marketing communications
- comply with legal and regulatory obligations
- maintain Website performance and improve services.
10. Direct Marketing
We may send marketing communications about novated leasing, vehicle offers and updates.
You can opt out at any time using the unsubscribe link or by contacting us.
Essential service messages may still be sent even after opting out.
11. Cookies & Analytics
Our Website uses cookies and analytics tools (including Google Analytics, Google Ads, Meta Pixel and similar technologies) to improve functionality, measure performance and understand user behaviour.
You may disable cookies via your browser settings, but this may affect Website operation.
12. When We Disclose Information
We may disclose information to:
- financiers and lenders
- your employer and payroll provider
- vehicle dealers, fleet providers and auction partners
- insurers, warranty and roadside assistance providers
- IT, hosting, cloud storage and data management providers
- marketing and analytics service providers
- credit reporting bodies
- regulators and government agencies, where legally required.
All information for Auto Deduct and our suppliers is stored within Australia.
13. Credit Reporting
Where permitted, we may:
- obtain credit-related information to support applications
- disclose information relating to your credit applications, default information or repayment history
- use credit information to verify identity, assess risk and manage applications.
Credit reporting bodies may use this information to create creditworthiness profiles for authorised credit providers.
You may request credit reporting bodies to:
- restrict disclosure if you believe you’re a victim of identity fraud
- restrict use of your information for direct marketing.
14. Storage & Security
We take reasonable security measures to protect your information from misuse, loss, unauthorised access or disclosure.
Information is stored electronically with reputable Australian-based hosting providers.
We destroy or de-identify information when it is no longer required, unless Australian law requires retention.
15. Access, Correction & Complaints
Access & Correction
You may request access to personal information we hold about you, or request corrections if the information is inaccurate.
Complaints
If you have questions or concerns about privacy, contact us using the details below.
We will investigate and respond within 30 days.
If unresolved, you may contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.
16. Contact Us
Privacy Officer
Auto Deduct Pty Ltd
Email: info@auto-deduct.com
Phone: 1300 807 136
Website: www.auto-deduct.com
17. Changes to This Policy
We may update this Policy occasionally.
The most recent version will always appear on this page.