Privacy Policy

Collection of personal information

    We’ve built our websites so that you identify yourself only when you’re ready to learn more about our services, you wish to hear from us, or you wish to receive information from one of our financial services consultants, from other partners and from related companies. We collect personal information for the following purposes:
  • arranging and assessing an application for credit;
  • managing credit;
  • providing individuals with the products or services they have requested;
  • managing our relationship with individuals;
  • protecting individuals and ourselves from error or fraud; or
  • complying with regulatory requirements.

We may collect sensitive information from individuals when they apply for a finance related product. We only collect sensitive information directly from the individual and with the individual’s consent. We may also collect sensitive information when it has been provided as part of a loan application. Any sensitive information that is collected in this way is only used for the purpose for which it is provided, and is collected with the individual’s consent. Where possible, we collect personal information directly from the individual.

Sensitive information

Sensitive information is any information about a person’s racial or ethnic origin, political opinion, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences or practices, criminal record or health information. We will not ask you to disclose sensitive information, but if you elect to provide sensitive information it will also be captured and stored.

Notification of the collection of personal information

    When we first collect personal information from an individual we will notify them that we have collected their personal information. We will require the individual to sign a notification and consent form detailing how we will use and disclose their personal information. This notification will provide the individual with information about:
  • the purposes of the collection of their personal information and credit information;
  • those entities that we usually disclose personal information or credit information to;
  • what happens if the individual chooses not to provide us with personal information;
  • direct marketing that may be undertaken by us or any related companies;
  • when we are required to collect personal information under an Australian law, such as the National Consumer Credit Protection Act (Cth) 2009 or the Anti-Money Laundering and Counter Terrorism Financing Act (Cth) 2006;
  • our Privacy Policy and where it can be found; or any disclosure of personal information that we make to an overseas entity.

Use or disclosure of personal information

The purpose of collecting an individual’s personal information will be outlined in the notification and consent received by the individual. If during our relationship with the individual we wish to use an individual’s personal information for an additional purpose, we will obtain their consent unless the purpose is related to the primary purpose or we are permitted under law to do so.

Keeping you posted

We may use or disclose your personal information to provide you with current information about finance, offers you may find of interest, changes to our organisation, or new products and services offered by us or any company with whom we are associated. You can contact us at any time if you no longer want us to do this, see our ‘Contact us’ details below. In all our direct marketing communications we will provide a prominent statement about how an individual can elect not to receive direct marketing. If the direct marketing communication is an email we will provide an ‘unsubscribe’ function within the email. We will keep appropriate records to ensure those individuals that have made requests not to receive direct marketing communications do not receive them. We do not apply a fee to unsubscribe from direct marketing communications. We do not sell personal information. We do not use sensitive information for the purpose of direct marketing. If we purchase personal information for the purposes of direct marketing we will conduct appropriate due diligence to ensure appropriate consents from the individuals have been obtained.

Access to personal information

    Individuals may request access to any personal information that we hold about them. We will not charge an individual for requesting access to their personal information. We will verify the individual’s identity prior to disclosing any personal information. When an individual requests access to their personal information we will conduct a search of our customer relationship database. This search will also indicate if there are any paper records that contain personal information. We will not give access to the personal information that we hold about an individual where it is unreasonable or impracticable to provide access, or in circumstances where the request would likely:
  • pose a serious threat to the life, health or safety of any individual, or to public health or public safety;
  • unreasonably access the privacy of other individuals;
  • be frivolous or vexatious;
  • relate to anticipated legal proceedings, and the correct method of access to personal information is by the process of discovery in those legal proceedings;
  • reveal the intentions of the entity in relation to negotiations with the individual in such a way as to prejudice those negotiations;
  • be unlawful or in breach of an Australian law;
  • prejudice the taking of appropriate action in relation to a matter where unlawful activity or misconduct that relates to our functions or activities;
  • prejudice an enforcement related activities of an enforcement body (such as ASIC); or
  • reveal commercially sensitive information.

When we receive a request for access we will usually respond to the individual within 7 days. However, depending on the nature of the request we may provide the personal information when the request is made. If the individual is requesting a large amount of personal information or the request cannot be dealt with immediately, then after we have investigated the request for access we will advise the individual what personal information we hold and provide details of that personal information. We will comply with all reasonable requests by an individual to provide details of the personal information that we hold in the requested format. If we do not provide access to the information we will provide written reasons setting out why we do not believe we need to provide access. We will also advise the individual they can access our Internal Dispute Resolution (IDR) and External Dispute Resolution (EDR) schemes if they are dissatisfied with a decision not to provide access to personal information.

IP addresses

Your IP address is the identifier for your computer when you are using the internet. It may be necessary for us to collect your IP address for your interaction with various parts of our website.

Online applications

When you send a completed online application to us, we retain the information contained in that application. We are able to then use that information to provide any financial services that you require. Online applications that have been suspended or saved may be viewed by us.

Unresolved complaints

We are a member of the Financial Ombudsman Service (FOS). If you have been unable to resolve your complaint to your satisfaction, you can refer your complaint to FOS by visiting their website www.fos.org.au or phoning 1300 78 08 08.

Contact us

For more information about our Privacy Policy, please do not hesitate to contact us.