We take privacy seriously and comply with the Privacy Act 1988 ("The Privacy Act"), the Australian Privacy Principles ("APPs), the Privacy (Credit Reporting) Code 2014 ("CR Code") as we as all other applicable State and Federal laws and codes.

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We only collect personal information as required and/or authorised by law. The Privacy Act authorises us to collect personal information in different ways and where certain circumstances are met. The way and circumstances are contained in this Privacy Policy.

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Defining Personal Information

​Personal information is information or an opinion about an individual:

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• whether the information or opinion is true or not; and

• whether the information or opinion is recorded in a material form or not

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The type of information that we collect includes, but is not limited to:

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• your name

• your contact details such as your address, email address, phone numbers, etc

• your date of birth

• gender

• marital status

• number and age of dependents

• occupation and employment information

• financial information, including but not limited to, account information, assets, liabilities, income and expenditure

• whether you are subject to pending or completed legal proceedings

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Other information that we may collect relates to credit information. This includes, but is not limited to:

 

• your credit history

• the type and amount of credit you may apply for

• your repayment history

• default information

 

Collecting Personal Information

​We collect personal information from several sources. This includes, but is not limited to:

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• you

• people you have authorised to act for you such as solicitors and financial counsellors

• family, friends and other associates

• publicly available information sources

• credit reporting bodies

• other credit providers

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We collect your personal information to perform our primary function or activities associated with that primary function. The personal information we collect is used so that we can:

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• identify you

• contact you

• provide you with information about our products and services

• enter into repayment arrangements with you

• respond promptly to your enquiries

• comply with relevant State and Federal laws and regulations

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Unless we have your consent or are permitted by law, personal information will only be used for the purpose for which it was collected, or in the case of sensitive information, directly related to our primary purpose.

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Protecting Personal Information

​We protect your personal information from misuse, unauthorised access, disclosure and modification and are committed to ensuring the security of this information. We may protect your information by:

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• encrypting certain records

• ensuring database security and record security through complex password protection measures

• training

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Collecting Sensitive Information

​In the course of performing our primary function or activities associated with that primary function, sensitive information may be collected. We may only collect sensitive information with your consent and where we are legally authorised to do so.

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Sensitive information such as your tax file number, Medicare number, drivers licence or other
government-issued identifiers will not be used as an account number or as an account identifier however these may be used to prove your identity when you speak with us.

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Disclosure of Personal Information

​Your personal information may be disclosed as authorised or required by law. This may mean that your personal information is disclosed to:

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• Courts and Tribunals

• our legal representatives

• your legal and/or financial representatives

• agents we engage to act for and on our behalf

• our service providers for outsourced functions such as document storage facilities, mailing companies, process servers, etc

• any other person you consent to act for and on your behalf

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Disclosure to Credit Reporting Bodies

​Credit-related personal information may be disclosed to a Credit Reporting Body ("CRB").

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Where your personal information is disclosed to a CRB this information contains information to other credit providers to assist them in assessing your creditworthiness. Information may be disclosed by us to: