This refers to information or an opinion about a living person who is identified or reasonably identifiable, whether or not true and whether or not recorded in material form.

Broadly, we may collect and hold:

• personal details like name, date of birth, gender, occupation, passport number, and in some instances photographs
• contact details like physical, postal, work and email addresses and phone numbers
• financial details like bank statements including ongoing bank statements for the term of the loan, and your credit report
• service-related details like your social media user names, employment history and website / service usage history, support incidents, enquiries and complaints
• other details relating to special situations.
• In any case, we only collect personal information that is reasonably necessary to support our functions and activities. If we cannot collect the information we need about you, we may not be able to supply the products or service you want.

Unless it is not reasonable or practicable to do so, and in other cases allowed by law, we will collect personal information about you directly from you (eg: when you contact us by phone or online, or at our premises).In other cases, we may collect personal information about you from:

• other companies in our group that you may have dealt with
• third parties like our business partners including lenders, brokers and agents
• our contractors and other representatives that you may deal with
• third party platforms and services (including social media)
• other details relating to special situations.
• our websites and how you use them
• from servers upon which our products and services operate from (whether those servers are hosted by you, by us, or any third party)
• various parties listed under Disclosing personal information in our Privacy Policy.
• If a 3rd party who is unknown to us enters your information into our application form on your behalf

We hold personal information in hard and/or soft copy at our offices and in other facilities that we own or license from third parties, like data centres. We take reasonable steps to keep it secure and to protect it from unauthorised access, use or alteration.

Why we collect and hold personal information

• we may need to use it to operate our business
• we may need to provide it to other parties in connection with our business

We may use personal information:

• to identify you (including for lenders and brokers)
• for credit checks
• to prevent fraud
• to supply products and services to you
• to give you information about us (our partners and related entities) and our (partner and related entity) products, and product offers
• for direct marketing – see Direct marketing for details
• to improve our products, our marketing and our website
• to answer your enquiries
• to give you customer support and service
• to better understand your needs and respond to them
• to manage and plan our products and business
• to collect payment from you
• for other purposes related to the operation of our business, including to allow lenders and brokers to enforce the terms of any legal agreements.

We may disclose personal information as reasonably required:

• to contractors, partners (including lenders and brokers) and suppliers who supply or support us in:
• market research, sales and marketing
• direct marketing – see Direct marketing for details
• identity and fraud checking
• helpdesk and enquiries
• support and complaint management
• communications and mailing
• billing, debt recovery and credit management
• corporate strategy
• legal and regulatory advice and compliance
• accounting and financial planning
• risk management
• otherwise providing goods and services that we use to operate our business and provide products and support to you
• to your authorised representative/s.
• if you ask us to do so
• to our agents, and members of our corporate group
• to our business partners (such as lenders and brokers)
• to organisations that provide credit or finance to us
• to persons who invest in or acquire all or part of our business or company, or are considering doing so.
  Some of these parties may be based overseas eg USA.

We may use and disclose personal information to direct market to you products offered by us, our agents, and members of our corporate group, and our business partners, where we think the offers will be of interest to you, using:

• post
• email
• electronic messaging
• social media
• targeted web content
• other direct marketing channels.
• Direct marketing may continue until you opt-out by calling the number in Contacting us even if you are no longer our customer.

Please contact us for these purposes using the details in Contact Us link below. We shall process and respond to your request in accordance with Australian Privacy Principle 12. There is no charge for making a request but a reasonable administrative charge, on a cost recovery basis, may be payable before we agree to provide access.The credit reporting bodies we use are Equifax Inc, and Dun & Bradstreet (Australia) Pty Ltd. You can access a copy of their respective privacy policies at:

Equifax
Website: www.equifax.com.au
Phone: 138 332
Address: Attention: Equifax Customer Resolutions Team, PO Box 964, North Sydney NSW 2059.

Dun & Bradstreet
Website: www.checkyourcredit.com.au
Phone: 13 23 33
Address: Attention: D&B Public Access Centre, PO Box 7405, St Kilda, VIC 3004

If you wish to complain about a breach of the Australian Privacy Principles, please contact us using the details in Contacting us below. We shall:

• acknowledge your complaint within a reasonable time
• give you an estimated first response time
• allocate your complaint to a suitably senior staff member
• social media
• process and respond to your complaint as soon as we reasonably can.
• Direct marketing may continue until you opt-out by calling the number in Contacting us even if you are no longer our customer.

Questions, requests and complaints regarding our Privacy Statement or our compliance with privacy laws should be directed to us by telephone on 1300 93 83 87 or via Contact Us