1 Personal Information Policy
1.1 What is personal information?
As part of the identity verification processes your personal details will be matched to information held by the issuer or official record holder via third party systems;
1.2 What is the purpose for collecting personal information?
We only collect personal information that is reasonably necessary for our business functions and activities.
This may include using your personal information to process sales or any requests you may have, notify you of important changes to our services, comply with record keeping requirements or to verify your identity. Various laws may require or authorise us to collect your personal information. These laws include the Personal Properties Securities Act 2009 (Cth), the National Consumer Credit Protection Act 2009 (Cth) and the Anti- Money Laundering and Counter-Terrorism Financing Act 2006 (Cth). We may also keep records of communications containing personal information (including recordings of telephone calls and emails) for the purpose of staff training. If we do not collect your personal information, we may not be able to provide you with our products or services.
1.3 How do we collect personal and non-personal information?
We can only collect personal information about you by a lawful and fair means.
We may collect information from you directly, such as when you complete an application form including an online application form, a contract or make an inquiry.
destroy or de-identify it.
1.4 How do we collect information on our websites?
If you are using one of our websites, you will browse anonymously, except as set out below.
1.5 Using and disclosing personal information
1.6 Government identifiers If we collect government identifiers, such as your tax file number, we do not use or disclose this information other than as authorised by law. We will never use a government identifier in order to identify you.
1.7 Business without identifying you In most circumstances it will be necessary for us to identify you in order 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 your personal information, for example, if you make general inquiries about interest rates or current promotional offers.
2 Credit Reporting Policy
2.1 What is credit information?
Where we provide finance to you, or provide you with a copy of your credit report we will collect, hold, use and disclose certain credit information about individuals who are, or apply to be, customers for consumer and commercial credit, or guarantors for consumer or commercial credit. We may collect and hold any type of credit information about you as permitted by the Privacy Act and the Privacy (Credit Reporting) Code 2014. We may collect this information directly from you, or from other third parties such as CRBs. The types of credit information we may collect include:
- identity particulars such as your name, gender, address (and previous addresses), date of birth, name of employer and driver’s licence number;
- the fact that credit has been applied for with us and the amount and type of credit; • details of other credit providers relevant to you; • details of the start and end dates of credit granted to you and certain terms and conditions of your credit arrangements (such as repayment conditions);
- repayment history information (such as whether you have met payment obligations and the date of payment);
- more specific default information, including information about payments which are more than 60 days overdue, subsequent repayments or if you have entered into a new credit arrangement as a result of a default;
- confirmation of previous information requests to CRBs made by other credit providers, mortgage insurers and trade insurers;
- whether, in our or another credit provider’s opinion, you have committed a serious credit infringement (e.g. acted fraudulently);
- the fact that credit provided to you has been paid or otherwise discharged;
- court proceedings information, personal insolvency information and credit-related publicly available information; and
- scores, ratings, summaries, evaluations and other information relating to credit worthiness which is derived by us or by CRBs wholly or partly on the basis of the information above and which indicates your eligibility for consumer credit (also called ‘credit eligibility information’). Where we collect credit information from a CRB, we may use that information to produce our own assessments and ratings in respect of an individual’s credit worthiness.
2.2 What is the purpose for collecting credit information?
We collect your credit information for the purpose of providing you with our credit services. This may include using your credit information to form decisions as to whether to provide you with credit or credit assistance or accept you as a guarantor, to confirm your identity, to manage and review your credit and to participate in the credit reporting system (where credit information is usually exchanged between credit providers and CRBs.
2.3 How do we collect credit information?
We collect credit information in the same way that we collect personal information, as outlined in section 1.3 above. In addition, we may collect credit information from other credit providers, from CRBs or from the usage and repayment of any account you hold with us. If you are a guarantor, this may include obtaining from a CRB credit reports containing personal information about you and any other information deemed necessary to assess whether to accept you as a guarantor for the credit applied for or given to the applicant.
2.4 Using and disclosing credit information
We only hold, use and disclose your credit information for the purposes outlined in section 2.2, or for related purposes which might reasonably be expected, unless we otherwise obtain your consent. To do this, we may disclose your credit information to Entities within the Group, or third parties outside the Group including those who:
- are considering becoming a guarantor or a person considering offering property as security for the credit in order for them to determine whether to act as guarantor, or to keep that person informed about the guarantee;
- undertake debt collection in relation to the credit;
- are named in an application for credit or guarantee, such as your employer;
- are a transferee from us of the credit;
- are parties involved in loan securitisation arrangements;
- provide credit or other products to you or to whom an application has been made for those products;
- may want to market products to you (unless you have declined to receive such communications in accordance with section 4.7 below);
- are involved in managing or administering your finance such as third party suppliers, printing and postal services, call centres, trade insurers and CRBs;
- we are legally authorised to do so by law, such as under the Anti-Money Laundering and Counter Terrorism Financing Act 2006 (Cth), government and law enforcement agencies or regulators; or
- have an interest in your finance or our business. Further, we may disclose your credit eligibility information to another credit provider in order to assess your credit application or a guarantor application, to help you avoid a default or to tell them of any default you may have had, but only with your consent.
2.5 Disclosure of credit information to CRBs
We may exchange your personal information with CRBs for purposes such as those described in section 2.2 or where the Privacy Act permits us to do so. For example, if you fail to meet your payment obligations in relation to consumer credit provided by us or if you commit a serious credit infringement, we may be entitled to disclose this to CRBs. We may also exchange other information, such as your identification details, what types of loans you have and how much you have borrowed. CRBs may include credit information provided by us in the reports given to other credit providers to assist them in assessing your credit worthiness. We share credit information with the following CRBs: Equifax Australia Information Services and Solutions Pty Ltd: www.equifax.com.au/contact-us Equifax’s policy about the management of credit-related personal information can be found at www.equifax.com.au/credit-reporting-policy. Equifax’s contact details are as follows: Phone: 1300 762 207 Mail: Equifax – Customer Resolutions PO Box 964 North Sydney NSW 2059
Email: email@example.com Additional obligations, privacy consents and notifications may also apply for our credit products. This Credit Reporting Policy is not intended to limit or exclude these provisions.
2.6 Opting out of CRB direct marketing pre-screenings
A CRB may use your credit reporting information to assist us to “pre-screen” you for direct marketing by us. If you do not want any of the CRBs listed above to use your information for the purpose of pre-screening, you have the right under the Privacy Act to contact them and request that they exclude you.
2.7 If you are a victim of fraud (including identity-related fraud)
You are entitled under the Privacy Act to request that a CRB not use or disclose credit reporting information they hold about you in circumstances where you reasonably believe that you have been, or are likely to be, a victim of fraud, including identity-related fraud. For a period of 21 days after the CRB receives your request the CRB is not permitted to use or disclose this information and this period is called a “ban period”. You can make such a request to any of the CRBs listed above.
3. Sensitive Information Policy
3.1 What is sensitive information?
Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.
Health information includes any information about:
- your health;
- your expressed wishes regarding future health services to you; or
- health services to be provided to you. This may include details of any pre-existing illnesses, medications, results of tests and investigations (such as X- rays or blood tests), visits to health service providers and their opinions and formal assessments of disability and incapacity. It also includes any other information collected in connection with providing a health service, the donation of body parts or genetic information that could be predictive of your, or a relative’s health. Where we provide insurance products to you, we may collect, hold, use and disclose certain health information about you when you are applying for insurance or when we are assessing any claim you make.
3.2 What is the purpose for collecting sensitive information?
As an insurance broker, we offer policies which include illness or injury benefits, involuntary unemployment and life benefits these are provided by insurance companies outside of the group. We may require your sensitive information (including your health information) in order to inform the insurance companies providing your cover. This is to enable them to be able to assess your suitability for any policy and the suitability of providing you with further insurance policies.
3.3 How do we collect sensitive information?
We will only collect sensitive information (such as health information) about you if you give your consent and if it is reasonably necessary for our business functions and activities. We collect sensitive information in the same way that we collect other personal information, as outlined in section 1.3 above.
3.4 Using and disclosing sensitive information
We only hold, use and disclose sensitive information (including health information) about you for the purposes outlined in section 3.2, or for directly related purposes which might be reasonably expected, unless we otherwise obtain your consent. For instance, we hold, use and disclose your health information to manage our products and services, manage our relationship with you, deal with your inquiries and concerns and assess claims you may have under your insurance policy. To do this, we may disclose your health information to Entities within the Group or third parties outside the Group who:
- provide related services to us, such as lawyers, accountants, insurance underwriters, researchers or document storage providers;
- are government agencies (including Centrelink), law enforcement bodies, courts and dispute resolution schemes; or
- are your authorised agents, executors, administrators or legal representatives. If we use it any way which you might not reasonably expect and which is not directly related to providing or managing your insurance policy, we will ask for your consent.
4 Direct marketing
From time to time, we may use the personal information collected from you for direct marketing purposes, such as targeted advertising on new vehicles, maintenance, promotions, special offers and other information which we think you may find interesting. If we do contact you in this way, it will only be in relation to matters that customers would reasonably expect us to contact them directly about. We will ensure that our marketing activities comply with applicable laws. We may contact you by telephone, email or SMS for these purposes. If we have disclosed your personal information to other Entities within the Group, we may tailor marketing to you, by combining information about you which is held by the other Entities with the information we hold. However, other Entities will only use that information for direct marketing purposes if you have given your consent to do so. If you do not wish to receive any direct marketing communications from us, you may at any time decline to receive such information by contacting us as set out in Part 7 below. You can also follow the instructions for unsubscribing in our direct marketing communications. We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity. We do not sell personal information to third party organisations to allow them to contact you for direct marketing purposes. We will only use your health information for the purposes of direct marketing if you have consented to us using the information for that purpose.
5 Disclosure of information overseas
We may disclose your personal information (which may include credit-related information) to overseas entities that provide support functions to us and related companies (financiers, banks, CRB ) that may include the use of off shore servers. You may obtain more information about these entities by contacting us. Where we do this, we make sure appropriate data handling and security arrangements are in place.
6 Keeping personal information secure
Your personal information (including your credit information and sensitive information) may be held by us in electronic form on our secure servers and may also be held in paper form. We may use cloud storage to store the personal information (including credit information and sensitive information) we hold about you. The security of your information is very important to us and we have security measures to protect any personal, credit or sensitive information that we hold. Before disclosing personal information to a customer, we confirm the identity of that customer to prevent misuse or unlawful disclosure of the information.
We have security measures to ensure the physical security of personal information held on our premises and systems. When records containing personal information are no longer required, we delete the information or permanently de-identify it. In relation to data stored or transmitted electronically, we regularly review developments in security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as completely secure. We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorised access, modification or disclosure. We take reasonable steps to preserve the security of cookie and personal information in accordance with this policy. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted).
7 Access and correction of personal information
You are entitled under the Privacy Act to access the personal information (including credit information and sensitive information) we hold about you and (provided that it is reasonable and practicable) to do so in a manner that you request. We will need to validate the identity of anyone making an access request, to ensure that we do not provide your information to anyone who does not have the right to that information. We will provide you access within 30 days if it is reasonable and practicable to do so, but in some circumstances it may take longer (for example, if we need to contact other entities to properly investigate your request). There may be situations where we may refuse to provide you with access, such as where the information relates to existing or anticipated legal proceedings, if the request is vexatious or if the information is commercially sensitive. If access is refused, we will give you a notice explaining our decision to the extent practicable and your options to make a complaint. We do not usually charge you for access to your personal information. However, if the request is complex, we may charge you the marginal cost of providing the access, such as staff costs of locating and collating information or copying costs.
If you feel that the personal information (including the credit information and sensitive information) we hold about you is incorrect, you are able to contact us at any time to request that we correct that information. If you would like to do so please contact our Privacy Officer using the contact details in Part 8 below. If appropriate we will correct the information at the time of the request. Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the personal information. We may need to consult with other entities as a part of our investigation (including other credit providers or CRBs). We will normally try to resolve correction requests within 30 days of you making a request. There will be no cost to you if we correct your personal information held by us.
If you believe that we have not complied with our obligations relating to your personal information (including your credit information and sensitive information), please contact our Privacy Officer as follows: By phone: 1800 100 100 between 9am and 5pm Monday to Friday By mail: PO BOX 229 Victoria Park WA 6100 By email: firstname.lastname@example.org We will investigate your complaint and respond within 30 days with a proposed resolution.
If you feel we have not properly dealt with a complaint, you may contact the Office of the Australian Information Commissioner at email@example.com or on 1300 363 992.