Privacy Policy

How and Why We Collect Your Personal Information

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

In certain circumstances, we may also be required to collect sensitive information (such as health information) on behalf of the lender in the course of providing credit assistance.

We will collect your information from you directly whenever we can, including 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.

Sometimes we will collect information about you from other sources as the Privacy Act 1988 permits. We will do this only if it is 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 cannot get hold of you and we rely on public information to update your contact details; or
• We exchange information with your legal or financial adviser or other representatives.

We may use your information for purposes including:

• Giving you Credit Assistance;
• Giving you information about loan products or related services;
• Considering whether you are eligible for a loan or lease or any related service you requested;
• 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;
• Identifying you;
• Telling you about other products or services we make available and that may be of interest to you, unless you tell us not to;
• Telling you about 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.

Providing Your Personal Information to Other Organisations

In providing products and services to you it may be necessary for us to retain your personal information and provide it to other organisations with which we conduct business. We may exchange the information with the following types of entities, some of which may be located overseas:

• The broker group through which we may submit loan or lease applications to lenders or lessors on the broker group’s panel. You can view the broker group’s privacy notice by visiting www.specialistfinancegroup.com.au. It sets out how that broker group manages your personal information and where you can find its privacy policy.
• Organisations which provide other products or services to you or to whom an application or referral has been made for those products and services;
• Our Licensee;
• 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, related entities and associates, contractors, and advisers that assist us to conduct our business for purposes including, without limitation, storing or analysing information mentoring/education and training as applicable;
• Any organisation providing online verification of your identity;
• Any person where we are required by law to do so;
• Finance consultants, accountants and auditors, real estate agents associated with the property purchase, conveyancers, legal advisers, insurers and mailing services;
• Any industry body, tribunal, court or otherwise in connection with any complaint regarding our services;
• Your referees, such as your employer, to verify information you have provided;
• Any person considering acquiring an interest in our business or assets; and
• Any third party to which you consent to us sharing your information.

Sharing Outside of Australia

From time to time, we may or a lender may use overseas organisations to help conduct business. As a result, we may need to share some of your information (including credit information) with such organisations outside Australia. It is not always practicable to know in which countries those organisations are located.

Similarly, 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.

Information About Other People

If you give information to us about another person (such as 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 statement; 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.

If Your Personal Information is Not Provided

If you do not provide us with all of the information we request, we may be unable to supply to you the product or service that you require, verify your identity or protect against fraud or let you know about products or services that may be suitable for your financial needs.

Feedback on the Handling of Your Personal Information

Should you be dissatisfied with how the Credit Representative has handled your personal information, please contact us using the details listed above. We will take all necessary steps to investigate and address your concerns. If the issue you have raised is not resolved to your satisfaction, you should contact the Office of the Australian Information Commissioner at:

You can obtain a copy of our full Privacy Policy by contacting us using the details above. You can learn more about the Privacy Act and your rights at www.oaic.gov.au.

Consents & Authorisations