Privacy Policy


ABN 97 734 055 325

  1. Personal Information and its importance

Personal information is information or an opinion about you from which your identity is apparent.  Protecting your privacy is fundamental to the way we do business. This document sets out the way we will collect, store, use and share your personal information. It will also provide you with information about what you can do to access the personal information we have about you, the way you can have it corrected, if necessary, and what steps you can take to complain about any action taken by us in relation to the information.

The legal framework under which we deal with your personal information is set out in the Privacy Act, the 13 Australian Privacy Principles (contained in Schedule 1 to the Privacy Act) and the Credit Reporting Privacy Code made under the Privacy Act. These rules apply to information about individuals, not corporations.

  1. Why we collect personal information

We collect personal information so that we can:-

  1. provide a service to you;
  2. communicate with you including by email and phone;
  3. assist in the resolution of any dispute you have with us;
  4. provide you with information about other products or services we currently offer, or may offer in the future or are offered by our commercial partners;
  5. to verify your identity, investigate any complaints about or submitted by you, or if we have reason to suspect that you are in breach of any of our terms and conditions and
  6. satisfy an obligation we may have under the law to collect personal information or make assessments.

We will not use personal information we have collected for a purpose other than that disclosed in this Privacy Policy without your consent, or in circumstances where you would reasonably expect the use for that purpose.

  1. If you do not provide us with your personal information

If you do not provide us with your personal information or give us consent to collect it from others, we will be unable to, amongst other things, provide you with the assistance you seek

  1. Where we get personal information

We obtain personal information from any of the following sources:-

  1. you in the process of our meeting and other communication with you;
  2. publicly available information such as telephone directories, information on websites or from publicly accessible databases;
  3. other service providers from whom we request information;
  4. persons or entities you have authorised to provide us with information;
  5. your use of our website with the aid of “cookies”

Where we obtain personal information which we are either required to collect, or authorised to collect by law, we will advise you of that fact.

  1. Sensitive information

“Sensitive information” is information about your racial or ethnic origin, political opinions, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association or trade union, sexual preferences or practices, criminal record, health or genetic information.

We will not collect, use or disclose any sensitive information about you unless we have your specific consent, and it is necessary to undertake one of the functions referred to above.

  1. Exchange of personal information

We may disclose your personal information to:-

  1. service providers authorised or nominated by you to provide services to you
  2. personal and/or business referees nominated by you, including your employer (in relation to your employment status and income);
  3. persons or entities you have authorised us to provide with information
  4. your legal, financial and other advisers (if any) if permitted by you;
  5. Centrelink, Australian Taxation Office or other Government departments, agencies or bodies, to whom we may be required by law to disclose information supplied by you to us;
  6. our ASIC and OAIC approved external dispute resolution service (if any);
  7. payment system operators (if any);
  8. our insurers, insurance underwriters/providers in relation to our insurance policies and
  9. search agents and search system providers in relation to your residential information and other information in order to contact you
  1. Overseas disclosure

We do not intend to disclose your personal information overseas and cannot foresee any circumstance in which the need to do so might arise. We do acknowledge, however, that as part of our backup system, some of your information might be stored overseas (for example if we use “cloud storage”), but the information will not be available to be accessed by any person overseas.

  1. Access and correction
    1. Access

The Privacy Act provides that, subject to some exceptions, you have a right to know what information we hold about you including information we have obtained from a credit reporting bodies. If you wish to access the personal information we hold about you, including information we have obtained from a credit reporting body, you should make contact with us in any of the following ways:-

Tel: 0411 254 315


Mail: PO Box 792, Fortitude Valley Qld 4006

It may be necessary for us to verify your identity before we can provide any information.

We will usually be able to provide this information to you within 30 days of the request. Should we require longer, we will write to you advising you a reason and seeking additional time. We may require you to pay our reasonable costs of providing this information to you. There are restrictions in relation to those costs contained in the law.

If possible, we will provide you with the personal information in the form you request. However, in some circumstances it may be necessary for you to access that information in a method determined by us, but we will always make it as easy as possible for you to access that information.

There may be occasions where we cannot provide you with that information. In such a case we will write to you and give you our reasons.

  1. Correction

You can request that any personal information we hold be corrected if it is inaccurate, incomplete or out of date. If you wish to make such a request you should contact us by any of the methods set out above.

If your request relates to information that we have received from a credit reporting body, we will contact the credit reporting body and advise them of your request.

If we agree with you that your information is inaccurate, incomplete or out of date we will make the appropriate changes and will write to you and tell you the changes we have made within seven days of making that change.

If we do not agree that the information is inaccurate, incomplete or out of date, we will write to you giving you the reasons why we have formed the opinion and tell you what steps you can take as a result of our refusal to change the information.

  1. Complaints

You are entitled to complain if you believe we have not dealt with your personal information in accordance with the provisions of the Privacy Act (including the 13 Australian Privacy Principles) or any code under the Privacy Act

If you wish to make a complaint, you should first contact us telling us what the complaint is and we will do our best to resolve the complaint with you.

If we believe that we cannot resolve the complaint within 30 days, we will write to you telling you why and seeking further time.

If you are not satisfied with the resolution of the complaint, you have a right to refer the complaint to the office of the Australian information Commissioner (“OAIC”).

The contact details are as follows:-

Office of the Australian Information Commissioner

Phone 1300 363 992 (9:00am to 5:00pm Sydney time)

Fax 02 9284 9666

Mail GPO Box 5218, Sydney NSW 2001



Complaint form: