Privacy
Introduction - The Privacy Act
Finance Brokers Online is legally required to comply with the National Privacy Principles contained in the Privacy Act 1988 (as amended on 21 December 2005).
This Privacy Policy is intended to provide a general overview of our policies in respect of the handling of any personal information that we collect. Other policies may override this Privacy Policy in certain circumstances. For example, when we collect personal information we may advise a specific purpose for collecting that information, in which case we will handle the personal information only in accordance with the stated purpose.
This Policy is intended to cover most personal information handled by us, but it is not exhaustive. Finance Brokers Online should be contacted should there be any queries regarding the management of personal information.
What is 'personal information'?
Personal information is any information about you that identifies you or by which your identity can be reasonably determined.
What is 'sensitive information'?
If personal information concerns particular topics it is regarded as sensitive information. Sensitive information can be information about your racial or ethnic origin, political opinions, membership of a political organization, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade organisation, membership of a trade union, sexual preferences or practices, criminal record or health. Finance Brokers Online only collects, uses or discloses sensitive information about you to provide its products or services or as allowed by law for example where we have received your consent to do so.
Why do we collect personal or sensitive information about you?
Finance Brokers Online collects personal information for the purpose of sourcing credit for you and providing you with after-sales service. Collection of your information is essential both for Finance Brokers Online to service your relationship with us and for our business to operate.
How do we collect your personal information?
Where possible we collect your personal information directly from you. However, collection may take place in a number of ways such as when you request a product or service over the telephone or Internet.
Other personal information is collected during the course of our relationship with you. An example of personal information collected this way may be when you wish to upgrade your motor vehicle warranty. Sometimes personal information may be collected about you from other sources. An example of this is a credit reference about you from a credit reporting or similar agency in the course of assessing your application for finance.
Where required, we will ask you specifically to consent to any collection, use or disclosure of your personal information by Finance Brokers Online.
How we use your personal information?
We use the information we collect about you so that we can conduct our business of selling finance & insurance products and related services and to enable us to administer and enhance the relationship we have with you. To enable us to do this we may share your information with companies related to Finance Brokers Online or with organisations that assist us to provide products and services to you.
Do we disclose your personal information to other parties?
Finance Brokers Online may disclose your personal information in certain circumstances.
We may disclose your information where you have consented to our doing so. Your consent to this disclosure of your personal information may be given explicitly, such as in writing or verbally or may be implied by your conduct.
Generally, however, we do not disclose your information to a party outside Finance Brokers Online unless that party is contracted to Finance Brokers Online to provide services or activities on our behalf and that party is bound by the same privacy rules we follow.
Examples include organisations offering extended warranties, insurance or finance. Where required, you may be asked to sign a Privacy Disclosure Statement before your personal information is disclosed to those organisations.
Direct marketing
As you can see from time to time your information may be used to provide you with information about either our extensive range of products and services or the services of those other parties who assist us in the conduct of our business. If you don't want to receive any of this information just contact us by calling our office on (03) 5126 5500.
However, sometimes the law requires us to provide you with certain information about the products or services that you receive from us. You will continue to receive this type of information from us even if you have decided not to receive information about our products and services generally.
Ensuring your information is up-to-date
We rely on the information we hold about you to efficiently conduct our business of providing finance & insurance and related products and services. For this reason, it is very important that the information we collect from you is accurate and up-to-date. If your information changes, please inform us so that we may change our records.
How Finance Brokers Online deals with your information
The protection of your information is a priority for Finance Brokers Online. We take the utmost care to safeguard and secure your information.
Can I access the information Finance Brokers Online holds about me?
You may request access to any of the information we hold about you. Requests for access to information held in archives may attract a fee to cover the cost of retrieval and the supply of this information to you.
All requests for access to information will be handled as quickly as possible and we shall endeavour to process any request for access within 14 days of having received the request. Some requests for access may take longer than 14 days to process depending on the nature of the information being sought.
Finance Brokers Online may be required by law to retain your information for a period of time which may extend after you have ceased your relationship with us. After the required time has passed we will attend to the secure destruction or de-identification of your personal information.
Can my request for access to my information be denied?
Finance Brokers Online is not always required to provide you with access to your information upon your request.
We may refuse access to information in a number of circumstances such as where the information may relate to existing or anticipated legal proceedings with you, where denying access is required or authorised by law, or where the request for access is regarded as frivolous or vexatious.
If we deny your request for access to, or refuse your request to correct your information, we will explain why.
Do I have to provide my information?
It is not possible for us to do business with you unless we have identified you, and in some cases, the law requires that you identify yourself to us.
Wherever it is lawful and practicable to do so, we may offer you to deal with us anonymously.
Our privacy policy may change
We review all of our policies and procedures, not only to keep up with the changes to the law, but also market forces, and our belief to supply you, our client with the best service possible.
What else should I know?
If you have any questions about this Privacy Policy, or you believe your personal information has not been dealt with as out-lined in this Privacy Policy, you can contact us by:
Writing to ...
"Privacy Officer", Finance Brokers Online Pty Ltd, P.O. Box 1096 Moe, Vic 3825
If you are not happy that Finance Brokers Online has satisfactorily handled your complaint, you may refer the matter to the Federal Privacy Commissioner.
