What information do we collect and how do we use it?
We will ask you for personal information when we assist you with your finance. This may include a broad range of information ranging from your name, address, contact details and date of birth to other information about your income and affairs including your employment situation.
We use the information you provide to advise about and assist with your credit needs, including the preparation and submission of loan applications.
We also use your information to send you requested product information and to enable us to manage your ongoing relationship with us. We may do so by mail or electronically unless you tell us that you do not wish to receive electronic communications.
From time to time, we will use your contact details to send you direct marketing communications including offers, updates and newsletters that are relevant to the services we provide. We always give you the option of electing not to receive these communications in the future. You can unsubscribe by notifying us and we will no longer send this information to you.
We may also use your information internally to help us improve our services and help resolve any problems.
What if you don’t provide some information to us?
If you don’t provide us with full information, we can’t properly advise or assist you with loan applications or your credit needs.
How do we hold and protect your information?
We strive to maintain the relevance, accuracy, completeness and currency of the personal information we hold and to protect its privacy and security. We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements
We hold the information we collect from you either physically at our office, or electronically on our office network and in the cloud (Google Drive). In some cases, your file is archived and sent to an external data storage provider for a period of time. We only use storage providers located in Australia who are also regulated by the Privacy Act.
Will we disclose the information we collect to anyone?
We do not sell, trade, or rent your personal information to others or disclose it to overseas recipients.
We will provide your information to the companies with whom you choose to deal (and their representatives). We will also provide your information to our credit licensee (Connective Credit Services Pty Ltd) including for administration and supervision activities and may need to provide it to contractors who supply services to us e.g. to handle mailings on our behalf, external data storage providers or to other companies in the event of a corporate sale, merger, reorganisation, dissolution or similar event. However, we will take reasonable steps to ensure that they protect your information as required under the Privacy Act.
We may also provide your information to others if we are required to do so by law, you consent to the disclosure or under some unusual other circumstances which the Privacy Act permits
Dispute resolution and complaints
Whilst we always strive to provide the best possible service, we understand that there may be times where you are not satisfied. If this occurs, and you wish us to do something about it, we have a formal process in place to address your concerns.
Internal Dispute Resolution
If you do have a complaint, please contact the Complaints Office using the details at the start of this document. If you choose to contact us by email, please make sure you include as much information as you can.
You should explain the details of your complaint as clearly as you can. You may do this verbally or in writing. When we receive a complaint, we will attempt to resolve it promptly.
External Dispute Resolution
If you are not satisfied with how we have handled your complaint, you may make a formal complaint to our External Dispute Resolution Scheme Provider – Credit and Investments Ombudsman, EDR Membership No M0005325.