We respect your personal information, and this Privacy Policy explains how we handle it. The policy covers Kathleen Rogers of FinancialPlus (Qld) Pty Ltd.<\/p>\n
This Policy also includes our credit reporting policy, that is, it covers additional information on how we manage your personal information collected in connection with a credit application, or a credit facility. We refer to this credit-related information below as credit information<\/strong>.<\/p>\n If you are in a country that is a member of the European Economic Area (EEA), the EU General Data Protection Regulation 2016\/679 (\u2018GDPR\u2019<\/strong>) governs the way we collect, use, hold, process and disclose your personal information. Under the GDPR, we are a data controller. We make decisions on how and why your personal information is processed.<\/p>\n The types of information that we collect and hold about you could include:<\/p>\n We may collect information about you because we are required or authorised by law to collect it. There are laws which require us to collect personal information. For example, we require personal information to verify your identity under Australian Anti-Money Laundering law.<\/p>\n If you\u2019re an internet customer of ours, we monitor your use of internet services to ensure we can verify you and can receive information from us, and to identify ways we can improve our services for you.<\/p>\n If you start but don\u2019t submit an on-line application, we can contact you using any of the contact details you\u2019ve supplied to offer help completing it. The information in applications will be kept temporarily then destroyed if the application is not completed.<\/p>\n We also know that some customers like to engage with us through social media channels. We may collect information about you when you interact with us through these channels. However, for all confidential matters, we\u2019ll ensure we interact with you via a secure forum.<\/p>\n To improve our services and products, we sometimes collect de-identified information from web users. That information could include IP addresses or geographical information to ensure your use of our web applications is secure.<\/p>\n Unless it\u2019s unreasonable or impracticable, we will try to collect personal information directly from you (referred to as \u2018solicited information<\/strong>\u2019). For this reason, it\u2019s important that you help us to do this and keep your contact details up-to-date.<\/p>\n There are a number of ways in which we may seek information from you. We might collect your information when you fill out a form with us, when you\u2019ve given us a call or used our website. We also find using electronic means, such as email or SMS, a convenient way to communicate with you and to verify your details[1]<\/a>.<\/p>\n How we collect your information from other sources<\/p>\n Sometimes, we will collect information about you from other sources as the Privacy Act 1988 permits. We will do this only if it\u2019s reasonably necessary to do so, for example, where:<\/p>\n If you don\u2019t provide your information to us, it may not be possible:<\/p>\n We will collect your credit information in the course of you answering the enquiries we make of you relating to the credit assistance you seek from us. In addition to what we say above about collecting information from other sources, other main sources for collecting credit information are:<\/p>\n Sometimes, people share information with us we haven\u2019t sought out (referred to as \u2018unsolicited information<\/strong>\u2019). Where we receive unsolicited personal information about you, we will check whether that information is reasonably necessary for our functions or activities. If it is, we\u2019ll handle this information the same way we do with other information we seek from you. If not, we\u2019ll ensure we do the right thing and destroy or de-identify it.<\/p>\n When will we notify you that we have received your information?<\/p>\n When we receive personal information from you directly, we\u2019ll take reasonable steps to notify you how and why we collected your information, who we may disclose it to and outline how you can access it, seek correction of it or make a complaint.<\/p>\n Sometimes we collect your personal information from third parties. You may not be aware that we have done so. If we collect information that can be used to identify you, we will take reasonable steps to notify you of that collection.<\/p>\n We store information in different ways, including in paper and electronic form. The security of your personal information is important to us and we take reasonable steps to protect it from misuse, interference and loss, and from unauthorised access, modification or disclosure. Some of the ways we do this are:<\/p>\n We may store personal information physically or electronically with third party data storage providers. Where we do this, we use contractual arrangements to ensure those providers take appropriate measures to protect that information and restrict the uses to which they can put that information.<\/p>\n We\u2019ll only keep your information for as long as we require it for our purposes. We may be required to keep some of your information for certain periods of time under law. When we no longer require your information, we\u2019ll ensure that your information is destroyed or de-identified.<\/p>\n [1]<\/a> However, we\u2019ll never ask you for your security details in this way \u2013 if you are ever unsure, just contact us<\/p>\n Collecting your personal information allows us to provide you with the products and services you\u2019ve asked for. This means we can use your information to:<\/p>\n We may use or disclose your personal information to let you know about other products or services we or a third party make available and that may be of interest to you.<\/p>\n We will always let you know that you can opt out from receiving marketing offers.<\/p>\n With your consent, we may disclose your personal information to third parties for the purpose of connecting you with other businesses or customers. You can ask us not to do this at any time. We won\u2019t sell your personal information to any organisation.<\/p>\n 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.<\/p>\n We\u2019ve just told you some of the main reasons why we collect your information, so here\u2019s some more insight into the ways we use your personal information including:<\/p>\n <\/strong>What are the grounds which we will deal with your personal information under the GDPR?<\/strong><\/p>\n Under the GDPR, we must have a legal ground in order to process your personal information. The legal grounds that we may rely on are:<\/p>\n We required to keep some of your information for certain periods of time under law, such as the Corporations Act, the Anti-Money Laundering & Counter-Terrorism Financing Act, and the Financial Transaction Reports Act for example.<\/p>\n We are required to keep your information for 7 years from the closure of accounts, or otherwise as required for our business operations or by applicable laws.<\/p>\n We may need to retain certain personal information after we cease providing you with products or services to enforce our terms, for fraud prevention, to identify, issue or resolve legal claims and\/or for proper record keeping.<\/p>\n To make sure we can meet your specific needs and for the purposes described in \u2018How we use your personal information\u2019, we sometimes need to share your personal information with others. <\/strong>We may share your information with other organisations for any purposes for which we use your information.<\/p>\n We may use and share your information with other organisations for any purpose described above.<\/p>\n Sharing with your representatives and referees<\/u><\/p>\n We may share your information with:<\/p>\n Sharing with third parties <\/u><\/p>\n We may share your information with third parties in relation to services we provide to you. Those third parties may include:<\/p>\n Sharing outside of Australia<\/u><\/p>\n 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:<\/p>\n 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\u2019s 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.<\/p>\n 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.<\/p>\n Where we transfer your information from the EEA\u2019 to a recipient outside the EEA we will ensure that an adequate level of protection is in place to protect your personal information such as putting in place contractual protections to ensure the security of your information.<\/p>\n We\u2018ll always give you access to your personal information unless there are certain legal reasons why we can\u2019t. You can ask us in writing to access your personal information that we hold. In some cases, we may be able to deal with your request over the phone.<\/p>\n We will give you access to your information in the form you want it where it\u2019s reasonable and practical. We may charge you a small fee to cover our costs when giving you access, but we\u2019ll always check with you first.<\/p>\n We\u2019re not always required to give you access to your personal information. Some of the situations where we don\u2019t have to give you access include when:<\/p>\n If we can\u2019t provide your information in the way you\u2019ve requested, we will tell you why in writing. If you have concerns, you can complain. See \u2018Contact Us\u2019.<\/p>\n Contact us if you think there is something wrong with the information we hold about you and we\u2019ll try to correct it if it\u2019s:<\/p>\n If you are worried that we have given incorrect information to others, you can ask us to tell them about the correction. We\u2019ll try and help where we can – if we can\u2019t, then we\u2019ll let you know in writing.<\/p>\n If you ask us to correct credit information, we will help you with this in the following way.<\/p>\n Helping you manage corrections<\/u><\/p>\n Whether we made the mistake or someone else made it, we are required to help you ask for the information to be corrected. So we can do this, we might need to talk to others. However, the most efficient way for you to make a correction request is to send it to the organisation which made the mistake.<\/p>\n Where we correct information<\/u><\/p>\n If we\u2019re able to correct the information, we\u2019ll let you know within five business days of deciding to do this. We\u2019ll also let the relevant third parties know as well as any others you tell us about. If there are any instances where we can\u2019t do this, then we\u2019ll let you know in writing.<\/p>\n Where we can\u2019t correct information <\/u><\/p>\n If we\u2019re unable to correct your information, we\u2019ll explain why in writing within five business days of making this decision. If you have any concerns, you can access our external dispute resolution scheme or make a complaint to the Office of the Australian Information Commissioner.<\/p>\n Time frame for correcting information<\/u><\/p>\n If we agree to correct your information, we\u2019ll do so within 30 days from when you asked us, or a longer period that\u2019s been agreed by you.<\/p>\n If we can\u2019t make corrections within a 30 day time frame or the agreed time frame, we must:<\/p>\n If you have a complaint about how we handle your personal information, we want to hear from you. You are always welcome to contact us.<\/p>\n You can contact us by using the details below<\/p>\n Kathleen Rogers (07) 5564 5903<\/p>\n We are committed to resolving your complaint and doing the right thing by our customers. Most complaints are resolved quickly, and you should hear from us within five business days.<\/p>\n Need more help?<\/u><\/strong><\/p>\n If you still feel your issue hasn’t been resolved to your satisfaction, then you can raise your concern with the Office of the Australian Information Commissioner:<\/p>\n If you are located in the EEA, you can contact the relevant data protection authority (for example in the place you reside or where you believe we breached your rights). For example, the Office of the UK Information Commissioner:<\/p>\n Office of the UK Information Commissioner<\/p>\nWhat personal information do we collect and hold?<\/h2>\n
General information<\/h3>\n
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When the law authorises or requires us to collect information<\/h3>\n
What do we collect via your website activity?<\/h3>\n
How do we collect your personal information?<\/h2>\n
How we collect and hold your information<\/h3>\n
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What if you don\u2019t want to provide us with your personal information?<\/h3>\n
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How we collect and hold your credit information<\/h3>\n
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What do we do when we get information we didn\u2019t ask for?<\/h3>\n
How do we take care of your personal information?<\/h3>\n
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What happens when we no longer need your information?<\/h3>\n
How we use your personal information<\/h2>\n
What are the main reasons we collect, hold and use your information?<\/h3>\n
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Can we use your information for marketing our products and services?<\/h3>\n
Yes, You Can Opt-Out<\/h3>\n
What are the other ways we use your information?<\/h3>\n
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How long do we keep your information?<\/strong><\/h2>\n
Who do we share your personal information with?<\/h2>\n
Sharing Your Information <\/strong><\/h3>\n
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How do you access your personal information?<\/h2>\n
How you can generally access your information<\/h3>\n
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How do you correct your personal information?<\/h2>\n
How we correct your information<\/h3>\n
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What additional things do we have to do to correct your credit information?<\/h2>\n
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How do you make a complaint?<\/h2>\n
How do you generally make a complaint?<\/h3>\n
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