Privacy Policy

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Privacy Policy

Who Are We?

'We', 'us', and 'our' refer to the Broker, Aggregator, Australian Credit Licensee, and our related businesses as outlined in the Credit Guide provided to you.

Our Commitment to Protect Your Privacy

We understand the importance of protecting your personal information. This document outlines our commitment to safeguarding the personal information we hold about you and how we handle it.

We recognise that any personal information we collect will only be used for the purposes for which it was collected or as permitted by law. It is crucial that you feel confident that your information is handled securely and responsibly.

We are committed to complying with the Australian Privacy Principles under the Privacy Act and any other relevant laws.

Personal Information

Personal information refers to any data that can reasonably identify you. This may include:

• Name, date of birth, address, and contact details
• Account details and occupation
• Credit information, including outstanding finance, repayment history, and defaults
• Any other information required to verify your identity

If you interact with our website, we may also collect details such as the type and amount of finance you are interested in, as well as other information you provide directly or indirectly.

If you apply for finance, we may collect:

• Details of your dependants and cohabitants
• Length of time at your current address
• Employment details, proof of earnings, and expenses
• Health information (only with your consent, if required for an insurance product)

Why We Collect Your Personal Information

We collect personal information for the following purposes:

• Assessing and managing your finance application
• Direct marketing and customer relationship management
• Offering other relevant products and services
• Responding to website enquiries and providing requested information
• Maintaining successful business relationships with customers and partners

We may also disclose your personal information to organisations involved in providing related products or services.

How Do We Collect Your Personal Information?

Where practical, we collect personal information directly from you. Additionally, we may obtain information from:

• LM Broker Services
• Other finance brokers
• Third parties such as accountants and lawyers

Disclosure of Personal Information

We may disclose your personal information to:

• Prospective funders or intermediaries regarding your finance requirements
• Third-party suppliers involved in managing your finance
• Associated businesses for marketing purposes
• Companies providing IT and infrastructure services
• Your representatives, such as finance brokers, lawyers, and accountants
• Any party with your consent
• Regulatory authorities where required by law
• Investors, agents, advisers, or entities interested in our business
• Your employer, referees, or identity verification services

Before disclosing your personal information, we take reasonable steps to ensure that: (a) The recipient upholds similar privacy commitments, or (b) You have consented to the disclosure.

Do We Disclose Personal Information Overseas?

We may share personal information with related bodies corporate, third-party suppliers, and service providers outside Australia, including:

• Data hosting and IT service providers
• Other third parties located in the Philippines & USA

Your information may be stored in overseas cloud storage, which could be subject to foreign laws and may not be protected under Australian Privacy Principles. By providing your details, you consent to such disclosures.

Direct Marketing

We may use your personal information to provide updates about:

• Finance options
• Offers of interest
• Changes to our services
• New products or services

If you do not wish to receive marketing communications, you may opt out at any time by contacting us or using the unsubscribe function in emails. There is no charge for opting out, and we will process your request promptly.

Updating Your Personal Information

To ensure accuracy, we may periodically request updates to your personal details. You can also contact us to update your information at any time.

Access and Correction of Personal Information

You have the right to request access to the personal information we hold about you. We may charge a fee for retrieving and supplying this information.

Requests will typically be addressed within seven days. In some cases, we may need to consult other entities to process your request.

Access may be denied in situations such as:

• Legal proceedings
• Vexatious requests

If we deny access, we will provide an explanation.

If any information we hold is incorrect or outdated, you may request corrections. We will generally respond within seven days, and, where necessary, complete corrections within 30 days.

Use of Government Identifiers

If we collect government identifiers (e.g., tax file number), we will only use or disclose them as required by law. We do not use government identifiers to identify individuals.

Business Without Identifying You

Where lawful and practicable, we offer services that do not require personal information (e.g., general enquiries about interest rates or promotions).

Sensitive Information

We only collect sensitive information (e.g., racial or ethnic origin, political beliefs, trade union membership, criminal record, or health data) with your explicit consent.

Security of Your Personal Information

We take reasonable steps to protect your information from:

• Misuse and loss
• Unauthorised access, modification, or disclosure

We store personal information securely in both paper and electronic formats.

Complaints

If you are dissatisfied with how we handle your personal information or believe we have breached privacy laws, you can:

1. Contact us via the complaints link on our website.
2. We will acknowledge your complaint within seven days and provide a decision within 30 days.
3. If you are not satisfied with our response, you can contact the Privacy Commissioner at www.oaic.gov.au or 1300 363 992.

Further Information

For more information about how we manage your personal information, you may contact us directly.

Changes to Our Privacy Policy

We review and update our privacy policies regularly to align with legal and technological changes. This policy may be amended as needed.

You may request a copy of this privacy policy in an alternative format.

Effective Date: August 2021