Privacy Policy

We collect personal information that is necessary for our functions and activities. If it is reasonable and practical to do so, we collect personal information directly from you. We may do this when you complete an enquiry form in hard copy or online, when you register with us to use any of our services or products, or send an email to us, when you communicate with us over the telephone, the internet or in person. We may keep records of communications including emails and telephone calls for purposes including training and verification.

In some instances, we may also collect personal information about you indirectly, from other people and this may happen without your direct involvement. For example, we may collect personal information about you from credit providers, publicly available sources, credit reporting bodies and government agencies. We may also verify your personal information with your current or past employers, accountant, bank in respect of credit transfers, landlord, relative or friend that you nominated in any of your communication with us, or solicitor.

The types of personal information we collect include:

- name and contact details;

- details and history of interactions with us including information about your use of our products and services;

- employment details;

- financial details;

- identity verification details;

- complaint and enquiry details; and

We collect, hold, use and disclose personal information to:

- assess and process any request you may have;

- provide you with quality products or services;

- administer your products and services (including collecting any overdue payments);

- notify you of important changes to our products or services;

- comply with record keeping requirements;

- verify your identity;

- undertake planning, product development, data mining or research;

- facilitate any potential or actual acquisition of an interest in the ORGANISATION;

- detect, prevent, investigate and prosecute crimes and illegal conduct;

- inform you of new products and services; and

- inform you about promotions and competitions.

- If we are not provided with your personal information, we may not be able to fully or safely recommend or provide our services to you.

How we usually use and disclose your personal information

Any personal information which we collect about you may be used by us for the purpose for which it was disclosed to us or any related purposes. For instance, we may from time to time use your personal information to provide you with information about products and services which we expect may be of interest to you.

Disclosure of your personal information

We may disclose your personal information to:

- the ORGANISATION and its related entities, for purposes including to enable us to have an integrated view of our customers and to better tailor our products and services to your needs;

- third parties who have agreements to provide products and services to the ORGANISATION and with whom we have a relationship;

- our agents, clinicians and related service providers who assist us in the management and administration of your services and account;

- our other agents and service providers who provide various services in connection with our products and services, including without limitation, mailing house, legal, accounting, business and financial consulting, loan management, archival, auditing, banking, debt collection, marketing, advertising, delivery, recruitment, customer contact, information technology, research, utility or security services, broking, insurance, fraud monitoring and anti-money laundering service providers, securitization services, credit reporting agencies and data switch companies;

- your representatives (e.g., your lawyers, accountants, mortgage brokers, financial advisers, financial institutions, attorneys, etc)

- partner organisations, including organisations providing benefits to the ORGANISATION’s customers;

- suppliers of products or services requested by the ORGANISATION customers but not provided by the ORGANISATION;

- regulatory bodies, government agencies, law enforcement bodies and courts;

- relevant dispute resolution schemes;

- your executor, administrator, trustee, guardian or attorney; or

Some of these third parties may be located in other countries and may not be subject to Australia’s Privacy Act. The ORGANISATION is required to comply with certain provisions of the Privacy Act to protect your privacy in relation to these disclosures.

On some occasions, we may also be obliged to disclose your personal information by law, e.g., court order or statutory notices pursuant to any legislation and to government authorities.

We may store personal information in information systems and physical records, sometimes in our systems and premises, and sometimes with the assistance of our service providers. We will take all reasonable steps necessary to secure any personal information which we hold about you and to keep this information accurate and up to date.

In most cases, you can gain access to your personal information which we hold, by contacting us. Please provide us with as much detail as you can about the particular information you seek, in order to help us retrieve it.

If you think the information we have about you is incorrect or incomplete, please write or email us with the updated information. Where we decide not to make a requested correction to your personal information and you disagree, you may ask us to record a note of your requested correction with the information.

You should keep us informed about all changes to your personal information.

If you visit the Website our system may record information such as the date and time of your visit, your computer’s IP address, the pages accessed and any information downloaded. This information is used for statistical, reporting and website administration and maintenance purposes. When you visit our site, our servers may attempt to load a small tracking file known as a "cookie" to your device. A cookie enables us to analyse usage patterns on our Website and tailor the Website to your needs.

Most web browsers are set to accept cookies. If you do not wish to accept cookies you can refuse the transfer of cookies to your computer or device by adjusting your internet browser. Please note that some parts of our Website may not function fully if you disallow cookies. Cookies do not personally identify you, but rather your browser. The cookies simply operate as a unique identifier which helps us to know what our users find interesting and useful in our Website. 

Here’s some of the general information we collect when you visit our site: 

- the website that referred you to ours 

- the browser you are using 

- the date/time and duration of visit

- what you view and any errors you have while on our site

We use this information to: 

- administer and enhance the performance, content and services offered on our website

- monitor web traffic 

- improve the effectiveness of our marketing activities, including remarketing our offers on third party websites 

- remember your interests and preferences

We do not link this information back to other information that you have provided to us unless required by law. We do not store any personal information inside cookies. 

We engage third party services, including Google Analytics for website monitoring, reporting, analysis and marketing purposes. Those services may also use cookies and gather anonymous web usage information (as described above) through our Website. You can choose to opt out of the above by visiting the following sites:

- tools.google.com/dlpage/gaoptout/

- www.google.com/settings/ads/

- www.networkadvertising.org/choices/

While we take great care to protect your personal information, unfortunately no data transmission over the Internet can be guaranteed to be 100% confidential. Accordingly, we cannot ensure or warrant the security of any information you send to us or receive from us online. This is particularly true for information you send to us via email. We have no way of guaranteeing that information is protected in transit. Once we receive your information, we make our best effort to ensure its security in our possession. We will generally need to know who you are in order to provide you with our products and services. Despite this, in some circumstances you are entitled to deal with us anonymously, or by using a pseudonym (alias), for example when making general enquiries about the services we offer. In some circumstances, you may receive a better service or response if we know who you are. For example, we can keep you up-to-date and better understand a complaint you might have if we know who you are and the circumstances of your complaint. You must tell us when you are using a pseudonym when applying for our services. If we need to identify you, we will tell you whether or not your real name is required to access those services.

The Website may provide links to third party websites. These linked sites are not under our control and we are not responsible for the conduct of companies linked to this website. Before disclosing your personal information to any other website, you should examine the terms and conditions of using those websites and the privacy policies applicable to those websites.

We and our related entities may provide you with information on an ongoing basis about new products, promotions, special offers and other information which we think you may find interesting. We may contact you for these purposes by any means including telephone, email and other electronic messages. We take your preferences and our obligations under anti-spam and telemarketing laws seriously. If you receive any direct marketing communication from us and no longer wish to do so, please follow the instructions for unsubscribing in that communication. If there are no instructions, please contact us by phone or email.

If we are providing you with services or products, you will also be subject to the specific terms and conditions relating to that particular service and/or product and those terms and conditions may include additional information as to how we may contact you.

If you have any queries relating to our Privacy Policy, or if you have a problem or wish to lodge a complaint in relation to an alleged breach of your privacy, please contact us using the details provided.

Where you raise any concerns that the ORGANISATION has interfered with you privacy, we will respond to let you know who will be handling your matter and when you can expect a further response.

From time to time it may be necessary for us to review and revise our Privacy Policy. We reserve the right to change our Privacy Policy at any time and to notify you by posting an updated version of the policy on the Website. You should ensure that you check the Website regularly for any updates to our Privacy Policy.