Personal information is information or an opinion about an individual that is reasonably identifiable. For example, this may include your name, email address and contact details.
Credit information is personal information that is collected in connection with a credit application. For example, this may include your identification information, default information or repayment history information.
The information we may collect from you and hold includes:
We may collect these types of information either directly from you or from third parties. We may collect information when you:
We may collect information about you from third parties such as:
We may collect, hold, use and disclose your personal and credit information for the following purposes:
If you do not provide us with the personal or credit information we request, we may not be able to provide you with the services you have requested.
We may send you direct marketing communications and information about our services. This may take the form of emails, SMS, mail or other forms of communication, in accordance with the Spam Act and the Privacy Act. You may opt-out of receiving marketing materials from us by contacting the Privacy Officer using the contact details set out below or by using the opt-out facility provided in the relevant direct marketing communication (eg an unsubscribe link).
We may share your information with third parties that we have partnered with. Generally, the information that we will share with these third parties will be aggregated or anonymised information. However, we may disclose some personal information to these third parties. These third parties may use the information to improve their existing products/services and to provide you with direct marketing material about the products or services that they could provide to you. If you do not wish for us to pass on your personal information to our third party partners for the purposes of that third party sending you direct marketing material, please let us know by contacting the Privacy Officer using the contact details set out below.
We do not disclose personal information outside of Australia.
We may collect personal information about you when you use and access our website. While we do not use browsing information to identify you personally, we may record certain information about your use of our website, such as which pages you visit, the time and date of your visit and the internet protocol address assigned to your computer.
We may also use ‘cookies’ or other similar tracking technologies on our website that help us track your website usage and remember your preferences. Cookies are small files that store information on your computer, TV, mobile phone or other device. They enable the entity that put the cookie on your device to recognise you across different websites, services, devices and/or browsing sessions. You can disable cookies through your internet browser but our websites may not work as intended for you if you do so.
We may hold your personal and credit information in either electronic or hard copy form. We take reasonable steps to protect your information from misuse, interference and loss, as well as unauthorised access, modification or disclosure and we use a number of physical, administrative, personnel and technical measures to protect your personal information. For example we:
However, we cannot guarantee the security of your information.
You can request access to, or correction of, the personal and credit information we hold about you by contacting the Privacy Officer using the contact details set out below. Sometimes, we may not be able to provide you with access to all of your information or make the correction you have sought. Where this is the case, we will provide you with a written response setting out why we have not been able to action your request. We may also need to verify your identity before we action any request for access or correction of your information.
We may disclose your personal or credit information to a credit reporting body for the purposes of:
We may disclose information to or collect information from the following credit reporting bodies:
Equifax may include any of your personal or credit information, disclosed to it by us, in reports provided to other credit providers to assist other credit providers to assess your credit worthiness.
You should be aware that if you fail to meet any of your payment obligations or you commit a serious credit infringement, we may be entitled to disclose this to the credit reporting body. You have the right to make a request to Equifax not to use or disclose your credit reporting information:
If you think we have breached the Privacy Act, or you wish to make a complaint about the way we have handled your personal or credit information, you can contact the Privacy Officer using the contact details set out below. Please include your name, email address and/or telephone number and clearly describe your complaint. We will acknowledge your complaint and respond to you regarding your complaint within a reasonable period of time. If you think that we have failed to resolve the complaint satisfactorily, we will provide you with information about the further steps you can take.
If you are not satisfied with how we have dealt with your complaint you can contact the Office of the Australian Information Commissioner using any of the following details:
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