We are committed to protecting your privacy.
This policy explains how we collect, use, and manage your personal information. Personal information means information or an opinion about an identified individual, or an individual who is reasonably identifiable, whether the information or opinion is true or not and whether the information or opinion is recorded in a material form or not.
We may collect and hold personal information which we collect from you directly or via your use of our services. The types of personal information we collect and hold include:
We generally do not collect personal information about you from other sources except in the limited ways described below
In some circumstances we are also required to collect information in accordance with laws that apply to our business. In particular, the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) requires us to collect personal information about investment or mortgage applicants when verifying their identities.
If you do not provide us with the personal information described above, we may not be able to engage with you, either in the way we ordinarily do or at all. Depending on our relationship with you, this may mean that we are limited or prevented in respect of entering into a contract with you, responding to your enquiries, or processing your investment or mortgage application or providing you with subscription services.
Our website also contains links to the websites of third-party providers of goods and services (Third Party websites). If you have accessed third-party websites through our website and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties.
Where you access a third-party website from our website, cookie information, information about your preferences for products or services or other information that you have provided about yourself may be shared between us and the third party.
When you view our advertisements on a third-party website, the advertising company uses 'cookies' and in some cases 'web beacons' to collect information such as:
When you access our website after viewing one of our advertisements on a third-party website, we authorise the advertising company to collect information on how you utilise our website (e.g. which pages you view) and whether you complete an online application.
We use ‘cookies’ to provide you with better and more customised service and with a more effective website.
A ‘cookie’ is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your internet browser.
When you send a completed online application to us, we retain the information contained in that application. We are able to then use that information to provide any financial or credit services that you require.
You can also suspend and save online applications, so you can complete and send the applications at a later time. If you suspend or save your application, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application. Online applications that have been suspended or saved may be viewed by us.
We will only collect personal information which is reasonably necessary for, or directly related to, our functions or activities. We collect, hold, use and disclosure your personal information for the following purposes:
We may disclose an individual’s personal information to:
We may combine or share any information that we collect with information collected by any of our related bodies corporate.
The security of your information is very important to us.
All personal information held by us is stored on secure servers in Australia. We use a variety of technical and organisational security techniques, including encryption and authentication, to help with the protection and maintain the availability, security and integrity of individuals’ personal information. We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorised access, modification or disclosure.
If we no longer require your information, and we are legally permitted to, we will take all reasonable steps to destroy or de-identify the information.
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).
We will not use or disclose sensitive information about you for direct marketing purposes unless you have consented to that kind of use or disclosure.
We may use your personal information for direct marketing purposes. If you do not wish to receive direct marketing communications from us or from other organisations, or wish to know the source of the information being used, you may submit a request via the unsubscribe link located at the bottom of the direct marketing communications. We will respond to your request as soon as practicable.
We do not generally disclose personal information obtained from cookies to overseas entities in the course of our activities.
We take reasonable steps to make sure the personal information we collect is accurate and complete. You have a right to request access to your personal information and that it be updated or corrected if necessary. When you request access to information we hold about you, we will usually provide it to you in an electronic form. In order to protect your privacy, we will ask you to verify your identity before giving you access to the information.
In a limited number of circumstances permitted under privacy law, we may refuse to give you access to your personal information. If we do not provide you with access or correction of your personal, we will provide you with reasons for our decision.
You can ask for access or correction of your personal information by contacting us by using the contact details set out below.
If you have a complaint about how we have dealt with your personal information, please contact us using the details below. We will acknowledge your complaint within seven days and investigate your complaint and provide you with a formal response, usually within 30 days. In some cases, we may ask you to make your complaint in writing so that we can consider the details of your complaint properly. If the circumstances of your complaint are complex and we need additional information or time to provide you with a formal response, we will contact you to let you know. We may also need to verify your identity in order to resolve your complaint.
If you are not satisfied with our response, please contact us.
The Complaints Officer’s contact details are:
Postal Address: GPO Box 3570, Sydney NSW 2001
Telephone: (02) 9232 8888.
Fax: (02) 9232 8588
If however, despite our best efforts, an issue has not been resolved to your satisfaction, you can lodge a complaint with the Australian Financial Complaints Authority, or AFCA. AFCA provides fair and independent financial services complaint resolution that is free to consumers. We are a member of AFCA and AFCA is an external dispute resolution scheme that is recognised by the Office of the Australian Information Commissioner (OAIC).
Complaints may be made in writing to:
Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001.
Telephone: 1800 931 678 (free call)
Alternatively, you may lodge a complaint with the OAIC (firstname.lastname@example.org or www.oaic.gov.au).