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Who are we? ‘We’, ‘us’ and ‘our’ refers to the Broker, Aggregator, Australian Credit Licensee and our related businesses outlined in the Credit Guide provided to you.
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 abide by the Australian Privacy Principles set out in the Privacy Act and any other relevant law.
Personal information is information from which your identity is reasonably apparent. This includes **credit information** (used to assess your eligibility for finance). Kinds of information we collect include:
Your name, date of birth, address, contact details, account details, and occupation.
Finance type and amount of finance you are interested in.
Ages and number of dependants and cohabitants, employment details, and proof of earnings and expenses (if applying for finance).
Health information (if applying for insurance, collected only with your consent).
We collect personal information for the purposes of assessing your application for finance, managing that finance, direct marketing, and managing our relationship with you.
Where reasonable and practical, we will collect your personal information directly from you. We may also collect it from LMG, other finance brokers, accountants, and lawyers.
We may disclose your personal information to:
Prospective funders or other intermediaries.
Organisations involved in managing or administering your finance (e.g., third party suppliers, call centres).
Associated businesses that may want to market products to you.
Companies that provide information and infrastructure systems to us.
Your representatives (finance brokers, lawyers, accountants).
Anyone, where you have provided us consent.
Where required by law (e.g., Anti-Money or Laundering and Courter Terrorism Financing Act 2006 (Cth)).
Investors, agents, or advisers, or any entity that has an interest in our business.
Your employer, referees or identity verification services.
We may disclose personal information to related bodies corporate and third-party suppliers/service providers located overseas, including:
Our data hosting and other IT service providers, located in various countries.
Other third parties located in various foreign countries, including **Philippines & USA**.
Your personal information may be stored in the cloud in an overseas country. By providing your details, you consent to your information being disclosed in this manner.
We may use your personal information to provide you with current information about finance and offers. You may decline to receive such information at any time by contacting us or using the unsubscribe function.
You may request access to the personal information we hold about you. We will generally respond within seven days. You may also request correction of any information that is incorrect, inaccurate or out of date. We provide an explanation if we deny access or correction.
If you are dissatisfied with how we have dealt with your personal information, or have a complaint about our compliance with the Privacy Act, you may contact us via the contact link on our website.
We will acknowledge your complaint within seven days and provide a decision within 30 days. If dissatisfied with our response, you may make a complaint to the **Privacy Commissioner** (www.oaic.gov.au or 1300 363 992).
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.
