Privacy

We collect personal information for the purposes of assessing your application for finance and managing that finance. We may also collect your personal information for the purposes of direct marketing and managing our relationship with you. From time to time, we may offer you other products and services.

Collecting your personal information also allows us to identify and protect your personal information, including account information and services, from unauthorised access. We will only collect such personal information if it is necessary to provide our products and services.

Where possible we collect your personal information directly from you. You provide this information to us when request products and services or make an enquiry. We may also collect your personal information from credit reporting bodies, finance brokers and other people such as accountants and lawyers.

In most cases we will request your consent to any collection and take reasonable steps to ensure that you are made aware of who we are, the purpose of the collection, how you can access your information and who we may disclose your information to.

It will typically be necessary for us to identify you to successfully do business with you. However, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information. For example, if you make general inquiries about interest rates or current promotional offers.

From time to time, we may use your personal information to provide you with current information about finance, offers you may find of interest, changes to our organisation or new products or services being offered by us or any company with whom we are associated.

If you do not wish to receive marketing information, you may at any time decline to receive such information by telephoning us on 02 4956 9909. If the direct marketing is by email you may also use the unsubscribe function. We won’t charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity.

Ensuring Your Personal Information is Up to Date

We rely on the personal information we hold about you to efficiently conduct our business of providing or arranging products and services. For this reason, it is very important that the personal information we collect from you is accurate, complete and up to date.

During our relationship with you, we may ask you to tell us of any changes to your personal information. We also invite you to contact us at any time to update or correct your personal information.

Security & Storage

We’ll take reasonable steps to protect your personal information by storing it in a secure environment. We may store your personal information in paper and electronic form. We’ll also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.

You may request access to any of the personal information we hold about you. In most cases, details of the personal information we hold about you is available by contacting us.

If the information you seek is not readily available, for example archived data, then we’ll endeavour to provide this within 30 days of your request. We reserve the right to charge you a fee for this retrieval.

We may be required by law or by good business practice to retain your personal information for a period after you have ceased your relationship with us. After the required time has passed, we’ll attend to the secure destruction or deletion of your personal information.

We are not always required to provide you with access to your personal information upon your request.

We may refuse your access to personal information in several circumstances, such as where the information may relate to existing or anticipated legal proceedings with you, where denying access is required or authorised by law or where the access request is regarded as frivolous or vexatious.

If we deny your request for access to or refuse your request to correct your personal information, we will explain why and will keep a record of your request on our file.

If any of the personal information we hold about you is incorrect, inaccurate or out of date, you may request that we correct the information. If appropriate, we will correct the personal information at the time of the request; Otherwise, we will provide an initial response to you within seven days of receiving your request. Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the personal information within 30 days.

If we refuse to correct personal information, we will provide you with our reasons for not correcting the information.

If we collect government identifiers, such as your tax file number, we do not use or disclose this information other than required by law. We will never use a government identifier to identify you.

Collection of Sensitive Information

Personal information concerning certain topics is regarded as sensitive information. Sensitive information includes information about your:

• Racial or ethnic origin
• Political opinions
• 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
• Health

We generally have a very limited need to obtain such information, however if such information is needed then it will only be obtained and/or used with your consent. If, while arranging your application or facilities, such information does come into our possession from a third party, we will seek your consent to collect, store and use this should we consider such use necessary in your application.

We constantly review all our policies and procedures to keep up to date with changes in the law, technology and market practice. As a result, we may change this Privacy Policy from time to time.

This Privacy Policy was last amended on 14th November 2016.

Complaints

If you are dissatisfied with how we have dealt with your personal information or you have a complaint about our compliance with the Privacy Act, you may contact our complaints officer on 02 4956 9909.

We will acknowledge your complaint within seven days. We will provide you with a decision on your complaint within 30 days.

If you are dissatisfied with the response of our complaints officer, you may make a complaint to the Privacy Commissioner which can be contacted on either www.oaic.gov.au or 1300 363 992.

If you require further information regarding our Privacy Policy, please contact us at the following address: 15A Fourth Street, Cardiff South, 2285.

Should you wish to find out more about the privacy legislation or the Australian Privacy Principles, we recommend that you visit the Federal Privacy Commissioner’s website at www.privacy.gov.au.