Who are
we?
‘We’, ‘us’ and ‘our’ refer to Allied Finance (WA) Pty Ltd ACN 093 560 279, Australian Credit Licence 390506 and our related businesses.
Our
commitment to protect your privacy
We understand how important it is to protect your personal
information. This document sets out our
privacy policy commitment in respect of personal information we hold about you
and what we do with that information.
We recognise that any personal information we collect about you will
only be used for the purposes we have collected it or as allowed under the
law. It is important to us that you are
confident that any personal information we hold about you will be treated in a
way which ensures protection of your personal information.
Our commitment in respect of personal information is to abide by the
Australian Privacy Principles for the protection of personal information, as
set out in the Privacy Act and any other relevant law.
Personal
information
When we refer to personal information we mean
information from which your identity is reasonably apparent. This information may include information or
an opinion about you. The personal
information we hold about you may also include credit information.
Credit information is information which is used to
assess your eligibility to be provided with finance and may include any finance
that you have outstanding, your repayment history in respect of those loans,
and any defaults. Usually, credit
information is exchanged between credit and finance providers and credit
reporting bodies.
The kinds of personal information we may collect about you include your
name, date of birth, address, account details, occupation, and any other
information we made need to identify you.
If you are applying for finance we may also collect the ages and number
of your dependants and cohabitants, the length of time at your current address,
your employment details and proof of earnings and expenses. If you apply for any insurance product
through us we may also collect your health information. We will only collect health information from
you with your consent.
Why we
collect your personal information
We collect personal information for the purposes of assessing your
application for finance and managing that finance. We may also collect your personal information
for the purposes of direct marketing and managing our relationship with
you. From time to time we may offer you
other products and services.
How do we collect your personal information?
Where reasonable and practical we will collect your personal information
directly from you. We may also collect
your personal information from finance brokers and other people such as
accountants and lawyers.
Do we
disclose your personal information?
We may
disclose your personal information:
·
to prospective funders or other intermediaries in relation to your
finance requirements;
·
to other organisations that are involved in managing or administering
your finance such as third party suppliers, printing and postal services, call
centres;
·
to associated businesses that may want to market products to you;
·
to companies that provide information and infrastructure systems to us;
·
to anybody who represents you, such as finance brokers, lawyers and
accountants;
·
to anyone, where you have provided us consent;
·
where we are required to do so by law, such as under the Anti-Money or Laundering and Counter
Terrorism Financing Act 2006 (Cth);
·
to investors, agents or advisers, or any entity that has an interest in
our business;
·
organisations that provide products or services used or marketed by us;or
·
to your employer, referees or identity verification services.
Prior to disclosing any of your personal information to another person
or organisation, we will take all reasonable steps to satisfy ourselves that:
(a) the person or
organisation has a commitment to protecting your personal information at least equal to our commitment, or
(b) you have consented to us
making the disclosure.
We may
use cloud storage to store the personal information we hold about you. The cloud storage and the IT servers may be
located outside Australia.
We may
disclose your personal information to overseas entities that provide support
functions to us. You may obtain more
information about these entities by contacting us. [If you are aware of
the countries that information will be disclosed overseas then these countries
must be listed].
Direct
marketing
From time to time we may use your personal information to provide you
with current information about finance, offers you may find of interest,
changes to our organisation, or new products or services being offered by us or
any company with whom we are associated.
If you do not wish to receive marketing information, you may at any time
decline to receive such information by telephoning us on 08 9488 5050 or by writing to us at Allied
Finance Pty Ltd, PO Box 1773, West Perth WA 6872. If the direct marketing
is by email you may also use the unsubscribe function. 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.
Updating
your personal information
It is important to us that the personal information we hold about you is
accurate and up to date. During the
course of our relationship with you we may ask you to inform us if any of your
personal information has changed.
If you wish to make any changes to your personal information, you may
contact us. We will generally rely on
you to ensure the information we hold about you is accurate or complete.
Access
and correction to your personal information
We will provide you with access to the personal information we hold
about you. You may request access to any
of the personal information we hold about you at any time.
We may charge a fee for our costs of retrieving and supplying the
information to you.
Depending on the type of request that you make we may respond to your
request immediately, otherwise we usually respond to you within seven days of
receiving your request. We may need to
contact other entities to properly investigate your request.
There may be situations where we are not required to provide you with
access to your personal information, for example, if the information relates to
existing or anticipated legal proceedings, or if your request is vexatious.
An explanation will be provided to you if we deny you access to the
personal information we hold about you.
If any of the personal information we hold about you is incorrect,
inaccurate or out of date you may request that we correct the information. If appropriate we will correct the personal
information at the time of the request otherwise, we will provide an initial
response to you within seven days of receiving your request. Where reasonable, and after our
investigation, we will provide you with details about whether we have corrected
the personal information within 30 days.
We may need to consult with other entities as part of our
investigation.
If we refuse to correct personal information we will provide you with
our reasons for not correcting the information.
Using government identifiers
If we collect government identifiers, such as your tax file number, we
do not use or disclose this information other than required by law. We will never use a government identifier in
order to identify you.
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 personal information, for example, if you make
general inquiries about interest rates or current promotional offers.
Sensitive
information
We will only collect sensitive information about you with your
consent. 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.
How safe
and secure is your personal information that we hold?
We will take reasonable steps to protect your personal information by
storing it in a secure environment. We
may store your personal information in paper and electronic form. We will also
take reasonable steps to protect any personal information from misuse, loss and
unauthorised access, modification or disclosure.
Complaints
If you are dissatisfied with how we have dealt with your personal
information, or you have a complaint about our compliance with the Privacy Act,
you may contact our complaints officer on 08 9488 5050.
We will acknowledge your complaint within seven days. We will provide you with a decision on your
complaint within 30 days.
If you are dissatisfied with the response of our complaints officer you
may make a complaint to the Privacy Commissioner which can be contacted via the Office of the Australian Information
Commissioner website (www.oaic.gov.au) or on 1300 363 992.
Further
information
You may request further information about the way we manage your
personal information by contacting us.
Change
in our privacy policy
We are constantly reviewing all of our policies and attempt to keep up
to date with market expectations.
Technology is constantly changing, as is the law and market place
practices.
As a consequence we may change this privacy policy from time to time or
as the need arises.
You may request this privacy policy in an alternative form.
This
Privacy Policy came into existence on 12 March 2014.
