Privacy Policy

What if you don't provide some information to us?

We can only fully advise you about your borrowing capacity and the suitability of a loan if we have all relevant information. If you don't provide us with full information, we can't properly advise you.

How do we hold and protect your information?

We strive to maintain the reliability, accuracy, completeness and currency of the personal information we hold and to protect its privacy and security. We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected, or to comply with any applicable legal or ethical reporting or document retention requirements.

We hold the information we collect from you in electronic form within our secure, access-controlled customer management and loan lodgement systems, including the cloud-based platforms provided through our aggregator, and where applicable in paper form at our business premises.

We ensure that your information is safe by restricting access to those who need it to perform their role, protecting our systems with individual logins and passwords, keeping our software and devices up to date, and securely storing or destroying paper records containing personal information.

This 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 or other types of networked or electronic storage to store the information we hold about you. As electronic or networked storage can be accessed from various countries via an internet connection, it is not always practicable to know in which country your information may be held. If your information is stored in this way, disclosures may occur in countries other than those listed below. Overseas organisations may be required to disclose information we share with them under a foreign law. We are not responsible for such disclosure.

Disclosure of personal information overseas

We may hold or process your information on servers located overseas for filtering, hosting or storage purposes, reporting and analytical purposes and for system development testing purposes. If we do this, we make sure that such organisations have the appropriate data handling and security arrangements in place to ensure compliance with this Privacy Policy. While these entities are subject to confidentiality or privacy obligations, they may not always follow the particular requirements of Australian privacy laws.

Where your information is sent overseas it is likely to be to one of the following countries:

• United States
• Singapore
• Serbia
• Philippines

Will we disclose the information we collect to anyone?

We do not sell, trade, or rent your personal information to others. We only provide your information to the companies with whom you choose to deal, and their representatives.

We may need to provide your information to contractors who supply services to us, for example to handle mailings on our behalf, or to other companies in the event of a corporate sale, merger, reorganisation, dissolution or similar event. However, we will do our best to ensure that they protect your information in the same way that we do.

We may provide your information to others if we are required to do so by law, or under some unusual other circumstances which the Privacy Act permits.

Tax file numbers

A tax file number is a government related identifier. We do not use or disclose tax file numbers for identification purposes, and any copies of documents containing a tax file number are erased or redacted before those documents are placed on your file.

How can you check, update or change the information we are holding?

Upon receipt of your written request and enough information to allow us to identify the information, we will disclose to you the personal information we hold about you. We will also correct, amend or delete any personal information that we agree is inaccurate. You can check the information we hold about you at any time.

If you wish to access or correct your personal information, please write to our Privacy Officer using the contact details below.

We do not charge for receiving a request for access to personal information, for complying with a correction request, or for providing access to personal information.

Your consent

By asking us to assist with your finance needs, you consent to the collection and use of the information you have provided to us for the purposes described above.

Dealing with breaches

We will deal with breaches in an appropriate and timely manner. There may be internal and external actions that need to be taken. In taking any action, we will be guided by these steps as suggested by the Office of the Australian Information Commissioner (OAIC) on responding to a breach, whether actual or suspected:

A copy of the OAIC's guidance on handling personal information security breaches can be accessed at oaic.gov.au.

Tell us what you think

We welcome your questions and comments about privacy. If you have any concerns or complaints, please contact our Privacy Officer:

If you are not satisfied with our response, you may contact the OAIC at oaic.gov.au. For complaints about our credit services more generally, see our complaints and dispute resolution process.