We need to collect personal information about you to provide you with our broking & related services. This
privacy statement tells you how we collect your information, what we use the information for and who we
share the information with. If we collect information that can be used to identify you, we will take
reasonable steps to notify you of that collection.

How information is collected from you
We will collect your information from you directly whenever we can, like from enquiries we make of you
when you seek credit assistance from us. We may verify that information from sources referred to in the
responses to those enquiries or in this privacy statement.

How information is collected from other sources
Sometimes we will collect information about you from other sources as the Privacy Act 1988 permits. We
will do this only if it’s reasonably necessary to do so, for example, where:

  • we collect information from third parties about a loan or lease in relation to which you seek our
    services;
  • we can’t get hold of you and we rely on public information (for example, from public registers or
    social media) or made available by third parties to update your contact details; or
  • we exchange information with your legal or financial advisers or other representatives.

When the law authorises or requires collection of information
Some law may require us to collect personal information about you. For example, we may require your
information to verify your identity under Australian Anti-Money Laundering law.

How your information may be used
We may use your information for purposes including:

  • giving you credit assistance;
  • giving you information about loan products or related services including help, guidance and advice;
  • considering whether you are eligible for a loan or lease or any related service you requested including identifying or verifying you or your authority to act on behalf of a customer;
  • assisting you to prepare an application for a lease or a loan;
  • administering services we provide, for example, to answer requests or deal with complaints;
  • administering payments we receive, or any payments we make, relating to your loan or lease;
  • telling you about other products or services we make available and that may be of interest to you, unless you tell us not to;
  • identifying opportunities to improve our service to you and improving our service to you;
  • telling you about other suppliers, with whom we have arrangements, that supply goods or services
    that may be of interest to you;
  • allowing us to run our business efficiently and perform general administrative tasks;
  • preventing or investigating any fraud or crime or any suspected fraud or crime;
  • as required by law, regulation or codes binding us; and
  • any purpose to which you have consented.

You can let us know at any time if you no longer wish to receive direct marketing offers from us. We will
process your request as soon as practicable.

How do we hold and protect your information?
We strive to maintain the relevance, 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 on our secure database. In some cases, your file is archived
and sent to an external data storage provider for a period of time. We only use storage providers who are
also regulated by the Privacy Act.
We take all reasonable steps to protect your personal information from misuse, interference, loss,
unauthorised access, modification or exposure. Access to your information is restricted to those employees
whose job requires that information. Access to our premises and computer systems is restricted through
locks, password protection, internet firewalls and routers.
We will take reasonable steps to destroy or de-identify your personal information when your personal
information is no longer required for our business functions.

What happens if you don’t provide information?
If you don’t provide your information to us, it may not be possible to:

  • assist in finding a loan or lease relevant to your circumstances;
  • verify your identity or protect against fraud; or
  • let you know about products or services that might be suitable for your financial needs.

Sharing Your Information
General
We may use and share your information with other organisations for any purpose described above.

Sharing with your representatives and referees
We may share your information with:

  • your representative or any person acting on your behalf (for example, lawyers, settlement agents,
    accountants or real estate agents); and
  • your referees, like your employer, to confirm details about you.

Sharing with third parties
We may share your information with third parties in relation to services we provide to you or goods or
services in which we reasonably consider you may be interested. Those third parties may include:

  • the Broker Group through whom we submit loan or lease applications to lenders or lessors on the Broker Group’s panel. You can access the Broker Group’s privacy notice at www.choiceaggregationservices.com.au/privacy. It sets out how that Broker Group manages your personal information and where you can find its privacy policy;
  • if we are not an Australian Credit Licence holder, the Australian Credit Licence holder that authorises us to engage in credit activities. Our credit guide will tell you who that Australian Credit Licence holder is. If it is BLSSA Pty Ltd (BLSSA), you can view BLSSA’s privacy notice at the same internet address as the Broker Group’s privacy notice. It sets out how BLSSA manages your personal information and where you can find its privacy policy;
  • referrers that referred your business to us;
  • financial services suppliers with whom we have arrangements;
  • valuers;
  • lenders, lessors, lender’s mortgage insurers and other loan or lease intermediaries;
  • organisations, like fraud reporting agencies, that may identify, investigate and/or prevent fraud, suspected fraud, crimes, suspected crimes, or other misconduct;
  • government or regulatory bodies as required or authorised by law. In some instances, these bodies may share the information with relevant foreign authorities;
  • guarantors and prospective guarantors of your loan or lease;
  • service providers, agents, contractors and advisers that assist us to conduct our business for purposes including, without limitation, storing or analysing information;
  • any organisation that wishes to take an interest in our business or assets; and
  • any third party to which you consent to us sharing your information.

Sharing outside of Australia
We may use overseas organisations to help conduct our business. As a result, we may need to share some
of your information (including credit information) with such organisations outside Australia. The countries
in which those organisations are located are:

  • India

We may store your information in cloud or other types of networked or electronic storage. As electronic or
networked storage can be accessed from various countries via an internet connection, it’s 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.

Overseas organisations may be required to disclose information we share with them under a foreign law. In
those instances, we will not be responsible for that disclosure.

Privacy Policy
You can find out more about how we manage your information by reading our Privacy Policy available by
contacting us. Please see our contact details above. Also, you can read and obtain a copy of that policy at
our website address set out above.

How can you access, update or correct the information we are holding?
You have the right to access your information. If you believe that we are holding inaccurate, incomplete,
irrelevant or out of date data about you, you may ask us to correct it. You can make a request for access to
or correction of your personal information by contacting us anytime.

In some limited circumstances, we may need to refuse access to your information or refuse a request for
correction. If this is the case, we will advise you as soon as possible after your request and provide you with
our reasons for the refusal.

What happens if you are not happy with how your information is handled?
If you have concerns about whether we have complied with the Privacy Act or this Privacy Policy and would
like to make a complaint, please contact us. Your complaint will be considered through our internal
complaints resolution process and we will try to respond with a decision as soon as possible.

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

For more information on your privacy rights please visit www.privacy.gov.au.

Information about other people
If you give information to us about another person (like your co-applicant) in relation to the services we
provide, you will let that other person know that:
• we have collected their information to provide those services or for any other purpose set out in
this privacy notice;
• we may exchange this information with other organisations set out in this privacy notice;
• we handle their personal information in the way set out in our Privacy Policy and this privacy notice
and they can:
– access or request a copy of that privacy policy or this privacy notice; or
– access the information we hold about that other person, by using our contact details above; and
we may not be able to provide those services to you unless we obtain their information.

We receive services to support the broking services we give you. We receive mortgage aggregation services
from Choice Aggregation Services and compliance services from Port Group. Sometimes they collect
personal information about customers to manage customer enquiries or complaints, commission payments
or file reviews.