This policy sets out how Austrata Finance (we/us/our) collect, use and disclose the personal information we hold about you.
We recognise that any personal information we collect about you will only be used for the purposes we have collected it for or as allowed under the law. It is important to us that you are confident that any personal information we hold about you will be treated in a way which ensures protection of your personal information.
We are committed to protecting your personal information by abiding by the Australian Privacy Principles (APPs), the Privacy Act 1988 (Cth) (Privacy Act) and any other relevant law.
When we refer to personal information, we mean information from which your identity is reasonably apparent, which may include information or an opinion about you. The personal information we hold about you may also include credit-related information. The kinds of personal information we may collect about you include your lot holders’ name, date of birth, address, account details, occupation, financial information and any other information we made need to identify you or a lot holder. When you use our website or mobile applications, we may collect information about your location or activity, including IP address, telephone number and whether you have accessed third party sites, the date and time of visits, the pages that are viewed, information about the device used, and other user location information. We collect some of this information using cookies.
In line with the Australian Privacy Principles, we want to ensure you are aware of the following matters.
A reference to we/us/our is a reference to, collectively, Austrata Finance Pty Ltd ACN 646 360 796, Australian Credit Licence 528856, Austrata Lending Services Pty Ltd ACN 650 628 363 and our related businesses.
You can contact our Privacy Officer by:
We collect most personal information directly from you unless it is unreasonable or impracticable to do so. When collecting personal information from you, we may collect it in many ways, including:
We may collect information about you that is publicly available, such as from public registers or social media, or made available by third parties.
You may be able to suspend and save online applications, so you can complete the applications at a later time. If you suspend or save your application, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application. Online applications that have been suspended or saved may be viewed by us. In particular, if you start but do not submit an online application, we can contact you using any of the contact details you have supplied to offer help completing it.
We may also collect personal information from third parties, including:
We will not ask you to supply personal information publicly over Facebook, Twitter or any other social media platform that we use.
We are required or authorised to collect:
We collect personal information about you so that we can perform our activities and functions and to provide the best possible quality of customer service. We collect, hold, use and disclose your personal information for the following purposes:
If you do not provide us with the personal information described above, then:
We may disclose your personal information to:
We do not disclose your personal information to third party suppliers and service providers located overseas.
We may use your personal information from time to time to provide you with current information about finance, offers you may find of interest, changes to our organisation, or new products or services being offered by us or any company with which we are associated.
You may at any time opt out of receiving marketing information by contacting us using the details above. If we are sending you direct marketing by email, you may also use the unsubscribe function. We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity.
It is important to us that the personal information we hold about you is accurate and up-to-date. During the course of our relationship with you, we may ask you to inform us if any of your personal information has changed.
If you wish to make any changes to your personal information, you may contact us. We will generally rely on you to ensure that the information we hold about you is accurate or complete.
We will provide you with access to the personal and credit-related information we hold about you. You may request access to any of the personal and credit-related information we hold about you at any time. We may charge a fee for our costs of retrieving and supplying the information to you.
Depending on the type of request that you make, we may respond to your request immediately. Otherwise, we usually respond to you within seven days of receiving your request. We may need to contact other entities to properly investigate your request.
There may be situations where we are not required to provide you with access to your personal information, for example, if the information relates to existing or anticipated legal proceedings, if your request is vexatious, or if the information is commercially sensitive.
If we deny you access to the personal information we hold about you, we will explain why.
If any of the personal information we hold about you is incorrect, inaccurate or out-of-date, you may request that we correct the information by contact us using the details above.
If appropriate, we will correct the personal information at the time of your request. Otherwise, we will provide an initial response to you within seven days of receiving your request. Where reasonable, and after our investigation, we will provide you with details about whether we have corrected your personal information within 30 days.
We may need to consult with other finance providers or credit reporting bodies or entities as part of our investigation.
If we refuse to correct personal information, we will provide you with our reasons for not correcting the information.
In most circumstances, it will be necessary for us to identify you in order to successfully do business with you. However, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information (for example, if you make general inquiries about interest rates or current promotional offers).
We will only collect sensitive information about you with your consent. Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.
We will take a range of measures and reasonable steps to protect your personal information. Your personal information will always be stored in a secure environment. We may store your personal information in paper and electronic form. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.
If you are not satisfied with how we have dealt with your personal information, or you have a complaint about our compliance with the Privacy Act and the Credit Reporting Code, you may contact our complaints officer on 1300 936 560.
We will acknowledge your complaint within seven days and aim to resolve the complaint as quickly as possible. We will provide you with a decision on your complaint within 30 days.
If you are not satisfied with the response of our complaints officer, you may make a complaint to the AFCA scheme, which can be contacted by phone on 1800 931 678, by email at email@example.com, or in writing to GPO Box 3, Melbourne VIC 3001, or the Privacy Commissioner which can be contacted at either www.oaic.gov.au or by phone on 1300 363 992.
You may request further information about the way we manage your personal information by contacting us using the details in the table above.
We may change this policy from time to time or as the need arises. We will post any changes to this policy on our website.
You may request this policy in an alternative form by contact us using the details in the table above.
This policy was last updated on 30 September 2021