The privacy policy has applied from 21st December 2001 when we became subject to the Privacy Act 1988 (Cth) ("Act"). The Act details standards that many private sector businesses must conform to in obtaining, disclosing, using, handling and passing on personal information.

The privacy policy applies to all personal information you provide to us and any personal information we collect.

Description of Personal Information
The type of personal information that we require and collect includes finance applicants names, address, contact details, financial situation, assets, liabilities and financial history.

We are required to collect and store your information in relation to the product or service you request. This enables us to provide you with the best service to suit your individual needs.

If you do not provide us with the required personal information we (or other relevant parties) require, we (or they) may not be able to provide the appropriate product or service for your needs.

Collecting of Personal Information
We collect personal information by the following means:

a) Directly from the individual with whom the information relates, including by telephone and via documents completed by the individual and provided to us
b) Through our representatives, advisers, third parties and employees
c) From credit reporting agencies and your financiers
d) From any previous records we have on file

We collect your personal information to help us provide you with the best financial products and services and to manage our rights and obligations in relation to those products and services.

Disclosing of Personal Information
We disclose personal information to third parties in Australia who are necessary in assisting us in providing our products and services. We may disclose your personal information to:

a) Financiers
b) Our advisers
c) Government agencies and departments
d) Anyone to whom we are required to disclose information by law.
e) Staff in the process of general business

We may transfer personal information to third parties by electronic means, including via the Internet.

We do not normally disclose personal information to any other party, unless required or authorised by law, consent is given, or is required to complete a business transaction.

Except where you have given your written consent, we restrict the use and disclosure of any personal information provided to us to third parties to the purpose for which we supplied it and related purposes.

We do not provide any personal information outside of Australia unless we are authorised to, or required to by law.

Accuracy and Access
We ensure appropriate procedures are undertaken to ensure your personal information is accurate, correct, complete, relevant, and current whenever we collect or use it.

Individuals can, on request, access their personal information held by us and request any corrections of that information.

We will endeavour to handle all requests for supply of personal information within a reasonable time and we may charge a fee for the cost of retrieving the supplying the information to you.

Protection of your personal information
We aim to protect all personal information we hold from misuse and loss and to protect it from unauthorised access, modification and disclosure.

We ensure use of the means detailed below to ensure that personal information is secure consistently.

• Security pin access to premises
• Monitored Security System
• Regular maintenance of products and computer and security systems
• Backup of data for any disruptions
• Restricted access to databases
• Username and password protection on databases containing personal information
• Lockable filing cabinets
• All staff members have signed a confidentiality agreement as part of their employment agreement/contract.

Receiving market information
If we send you information about products or services, which you do not wish to receive, you can inform us that you wish to no longer receive this information by contacting us.