1. Information collection and useWe may collect various types of information from you. Some of this information is personal information, some is non-personal. Collection of non personal information is dealt with in section 7 below. We may collect personal information (being information about you from which your identity is apparent or can reasonably be determined) for purposes including:
- responding to your queries;
- arranging and/or providing financial products and services for you, including assessing applications for finance;
- establishing, managing, administering, evaluating and improving our products or services, including credit scoring, securitisation, portfolio analysis, research, planning, service development, security and risk management;
- identifying you and investigating and protecting against fraud and unlawful activity;
- complying with laws which apply to us (including counter-terrorism financing and anti-money laundering laws), assisting regulatory authorities and protecting our lawful interests; and
- subject to our legal obligations and your requests to opt-out, to provide you with promotional information about financial and investment products and services on an ongoing basis, by any means including telephone, email and other electronic messages (we may also share your personal information with our related bodies corporate and joint promotion partners for this purpose).
2. Disclosure of personal information Disclosure to CatchYour personal information will be disclosed to Catch so they may provide you with promotional information about their products and services on an ongoing basis, and by any means including telephone, email and electronic messages. If you do not wish for your personal information to be used for promotional purposes by Catch, you may opt out of email communications by using the ‘unsubscribe’ functionality from your inbox, or otherwise by contacting Catch via their Help Center at https://help.catch.com.au/hc/en-us or on 1300 222 824 to express your wish to opt out. Depending on the circumstances, we may disclose your personal information to our agents, loan managers and related service providers who assist in the management and administration of loans and loan applications; other service providers including organisations that provide archival, auditing, debt collection, banking, insurance, marketing, advertising, valuation, mailhouse services, authentication, document management, technology and data processing services; government bodies including courts and tribunals; your executor, administrator, trustee, guardian or attorney; your agents, such as financial or legal advisers. We may also disclose personal information to other entities within the Wingate group of companies, for any of the purposes for which we may collect, use or disclose information that is set out in this policy. We may also disclose such information as required or permitted by any law, for example in response to a subpoena or to the Australian Taxation Office, following a direction issued under taxation laws. Some of the third parties to whom we may disclose personal information may be located in Belgium, Singapore, USA or other countries. We will comply with our obligations under the Privacy Act in relation to these disclosures.
3. Links to other websitesThis Website may contain links to other third party websites. You should not assume that any linked website is operated or controlled by us. We are not responsible for the privacy practices of such other sites. We encourage you to read the privacy policies of every website that collects personal information.
4. Accessing and correcting your personal informationTo make a request to access or correct any personal information we hold about you, please contact us as set out below. We may need to verify your identity. Please provide as much detail as you can about the particular information you seek, in order to help us locate it. We may charge a reasonable fee for providing access, within legal limits. We will provide our reasons if we deny any request for access to or correction of personal information. Where we decide not to make a requested correction to your personal information and you disagree, you may ask us to make a note of your requested correction with the information.
5. Information securityWe take care to protect your personal information and employ a range of technical and administrative procedures to protect such information from unauthorised disclosure or loss. We keep personal information in physical and electronic records, both at our own premises and with the assistance of our service providers. If you are considering sending us any personal information through the Website or other electronic means, please be aware that the information may be insecure in transit, particularly where no encryption is used (e.g. email, standard HTTP).
- permitted identification information e.g. names, date of birth, sex, 3 most recent addresses, employer and driver’s licence number;
- your applications for credit – the fact that you have applied for credit and the amount and type of credit;
- the identity of your current and previous credit providers;
- records of previous requests made by credit providers to credit reporting bodies (“CRBs”) for information about you in connection with consumer or commercial credit applications, guarantees and securitisation arrangements;
- repayment history;
- separate from repayment history, information about defaults (where repayments are more than 60 days overdue, in certain circumstances);
- where those default repayments are no longer overdue, or new payment arrangements have been agreed;
- our or another credit provider’s opinion that you have committed a serious credit infringement (that is, acted fraudulently or shown an intention not to comply with your credit obligations);
- the start and end dates, credit limits and certain terms and conditions of your credit arrangements;
- information about court judgments against you;
- publicly available information relevant to your credit worthiness;
- certain insolvency information from the National Personal Insolvency Index;
- information derived by CRBs from the above information (e.g. assessments and ratings in respect of your credit worthiness); and
- information we derive from the above information (e.g. our own assessments and ratings in respect of your credit worthiness). This information may include information about your arrangements with other credit providers as well as with us. We may disclose some of these types of information to CRBs, including information about defaults and serious credit infringements. CRBs may use credit-related personal information to maintain records on individuals which they may share with other credit providers for those providers’ own credit assessments. The CRBs we may use include:
- use or disclose your credit-related personal information, if you have been or are likely to be a victim of fraud; and
- use your credit-related personal information to determine your eligibility to receive direct marketing from credit providers.