“Personal Information” is information We hold which is identifiable as being about you. The information We collect from you may include:

• information about your identity including your name, address, date of birth, gender and marital status;
• your Tax File Number or tax residency status;
• financial and transaction information; and/or
• other personal information, such as details of your interactions with Us.

In some cases We may also collect ‘Sensitive Information’, such as your profession or trade association, criminal record or health record. Such Sensitive Information is only collected where you have provided consent to such collection and the information is reasonably necessary for Our function or activities or as otherwise permitted by the APPs. A failure to collect Personal Information may prevent Us from providing you with Our products and services.

If You make an application for a loan through Us, or if you guarantee or are considering guaranteeing the obligations of another person, We may check your credit reports. We get these from credit reporting bodies. We also share your credit information with credit reporting bodies so they can provide credit reports to others. A credit report gives Us information about your credit history. Credit reports are provided by credit reporting bodies, who collect and share credit information with credit providers and other service businesses.

We can also ask credit reporting bodies to give Us your overall credit score and may use credit information from credit reporting bodies together with other information to arrive at Our Own scoring of your ability to manage credit. The credit reporting bodies We use are Equifax. You can download a copy of their privacy policies at Equifax.com.au. We use information from credit reporting bodies to:

• confirm your identity;
• assess your credit applications;
• assess your ability to manage credit; and
• manage Our relationship with you.

We keep your credit information with your other Personal Information. You can view this information or ask Us to correct it if it is incorrect (see “Access to your Personal Information” section below) or make a complaint to Us (see “Complaints” section below). We can ask credit reporting bodies to use your credit information to pre-screen you for direct marketing purposes, but you can tell credit reporting bodies not to by contacting the credit reporting body directly. If you think you have been or could be a victim of fraud you can ask the credit reporting body not to use or give anyone your credit information.

Generally, We will collect Personal Information:

• from you directly when you provide your details to Us;
• from you indirectly through emails, forms, applications, face-to-face consultations, mailing list subscriptions, registration and attendance at seminars,
• business cards and telephone conversations and through use of the services and facilities available through Our Website and social media channels; and
• from third parties, such as agents or advisors acting on behalf of an individual, third party referrals, through reports from professionals, from publicly available services, internet service providers, credit reporting bodies.
• Additionally, We may also collect any other information you provide while interacting with Us.

We will collect and use Personal Information with your consent for a specific purpose and any data collected will be to the extent necessary and not excessive for its purpose. We will also process Personal Information if it is necessary for Our legitimate interests or to fulfil a contractual or legal obligation. By providing Us with Personal Information, you consent to the supply of that information subject to the terms of this Privacy Policy.

We may use your Personal Information to:

• conduct Our business and provide you with Our products and services;
• provide, market, develop and research Our products and services;
• communicate with you to provide or promote Our products and services;
• purchase goods or services;
• carry out identity verification;
• help Us manage and enhance Our business, products and services;
• protect Our rights, privacy, safety, or property, and/or that of Our affiliates, you, or others;
• comply with Our legal obligations;
• comply with Our reporting obligations;
• for a related purpose, where the individual concerned would reasonably expect Us to use it for that related purpose;
• communicate with you by a variety of measures including, but not limited to, telephone, email, sms or mail;
• investigate complaints;
• present you with personalised offers on Our Website, through social media channels and by placing banner advertisements on third party websites;
• allow you to post links to Our products and services on social media;
• provide you with the opportunity to review Our products and services;
• fulfil any applications placed through Our Website;
• provide you with information, updates, offers or advertising relating to Our products or services;
• verify your identity if you ask for information about your Personal Information;
• screen for potential risk or fraud (and to assist regulators, trade bodies and law enforcement agencies in relation to the same).

If you withhold your Personal Information, it may not be possible for Us to provide you with Our products and services or for you to fully access Our Website.

We may disclose your Personal Information for the purposes described in this Privacy Policy to:

• affiliates, employees and related bodies corporate;
• third-party service providers, agents or contractors;
• professional advisers, dealers or agents;
• payment gateway providers;
• technological service providers
• credit providers, funders, Australian banks and financial institutions;
• credit reporting bodies and fraud-checking agencies;
• providers of credit, financial or insurance services;
• third parties in the event of any reorganisation, merger, sale, joint venture, assignment, transfer, or other disposition of all or any portion of Our business;
• regulators, government agencies and law enforcement agencies when required to do so by law; and
• any of our associates, related entities, contractors and outsourcing partners some of which are located in the Philippines and India.

We will only disclose Personal Information:

• with the consent of the individual concerned;
• as otherwise permitted by law; or
• as required by any law, court or tribunal order.

We may exchange the information with the following types of entities, some of which may be sent to the Philippines:

• Persons who provide finance or other products to you, or to whom an application has been made for those products.
• Financial consultants, accountants, lawyers and advisers
• Any industry body, tribunal, court or otherwise in connection with any complaint regarding our services
• Any person where we are required by law to do so
• Any of our associates, related entities or contractors
• Your referees, such as your employer, to verify information you have provided
• Any person considering acquiring an interest in our business or assets
• Any organisation providing online verification of your identity

Generally when you visit Our Website, We automatically collect certain information about your device, including information about your web browser and some of the cookies that are installed on your device. Additionally, as you browse our Website, We collect information about the individual web pages or products that you view, what websites or search terms referred you to Our Website, and information about how you interact with Our Website.

Web Browser

When you visit our Website, We may collect certain information such as your web browser, IP address, time zone, the date and time of your visit, the pages viewed and information downloaded etc. This information is used in an aggregated manner to analyse how people use Our Website such that We can improve our service and to assess the success of Our marketing and advertising campaigns.

Cookies

We may from time to time use ‘cookies’ or other similar technologies on Our Website. Cookies are very small files which a website uses to identify you when you come back to Our Website and to store details about your use of Our Website. Most web browsers automatically accept cookies but you can choose to reject cookies by changing your browser settings. However, this may prevent you from taking full advantage of Our Website. Our Website may from time to time use cookies to analyse website traffic and help Us provide a better website visitor experience.

Using pixel tags, web beacons, clear GIFs or other similar technologies

We may from time to time use pixel tags, web beacons, clear GIFs or other similar technologies in connection with some website pages and e-mail messages to, among other things, measure the success of Our marketing campaigns, and compile statistics about website usage and response rates.

Our Website may, from time to time, have links to other websites not owned or controlled by Us. These links are meant for your convenience only. Links to third party websites do not constitute sponsorship or endorsement or approval of these websites. Please be aware that We are not responsible for the privacy practices of other such websites. We encourage you to be aware, when you leave Our Website, to read the privacy statements of each and every website that collects Personal Information.

We may hold your Personal Information in either electronic or hard copy form.

We are committed to ensuring that the Personal Information you provide to Us is secure. In order to prevent unauthorised access or disclosure, We have put in place reasonable physical, electronic and managerial procedures to safeguard and secure information and protect it from misuse, interference, loss and unauthorised access, modification and disclosure.

The transmission and exchange of information is carried out at your own risk. We cannot guarantee the security of any information that you transmit to Us or receive from Us. Although We take measures to safeguard against unauthorised disclosures of information, We cannot assure you that your Personal Information that We collect will not be disclosed in a manner that is inconsistent with this Privacy Policy.

In order to provide you with the best service possible, We may transfer the Personal Information We have collected to someone in a foreign country, if permitted by the APPs.

We will not keep your Personal Information for longer than is necessary by law or for the purposes described in this Privacy Policy. At the end of the retention period, your Personal Information will either be completely deleted or anonymised so that it can be used in a non-identifiable way for statistical analysis and business planning.

You may request details of your Personal Information that We hold in accordance with the provisions of the Act. If you would like a copy of the information which We hold about you or believe that any information We hold on you is inaccurate, out of date, incomplete, irrelevant or misleading, please contact Us using the details set out in the "Contact Us" section of this Privacy Policy. We will respond to your request as soon as reasonably practicable. We may ask you to verify your identity before acting on any of your requests.

We reserve the right to refuse to provide you with information that We hold about you in certain circumstances set out in the Act or any other applicable law.

If you have any complaints about Our privacy practices, please feel free to send the details of your complaints using the details set out in the "Contact Us" section of this Privacy Policy. We take complaints very seriously and will respond as soon as reasonably practicable.

We may modify this Privacy Policy at any time, in our sole discretion, and all modifications will be effective immediately upon posting the modifications on Our Website. Continued use of Our Website will constitute your acceptance of the modified Privacy Policy. You should visit this page periodically to review the Privacy Policy.

As outlined above, when We’re checking your credit worthiness and at other times, We might collect information about you from and give it to one or more credit reporting bodies. The contact details of the credit reporting bodies We use are outlined below. Each credit reporting body has a credit reporting policy about how they handle your information. You can obtain copies of these policies at their websites.

Equifax.com.au
PH: 13 83 82
Po Box 966, North Sydney, NSW, 2059

Contact credit reporting bodies if you think you have been the victim of a fraud

If you believe that you have been or are likely to be the victim of fraud (including identity fraud), you can request a credit reporting body not to use or disclose the information they hold about you. If you do this, the credit reporting body must not use or disclose the information during an initial 21 day period without your consent (unless the use or disclosure is required by law). This is known as a ‘ban period’.

If, after the initial 21 day ban period, the credit reporting body believes on reasonable grounds that you continue to be or are likely to be the victim of fraud, the credit reporting body must extend the ban period as they think reasonable in the circumstances. The credit reporting body must give you a written notice of the extension.

Contact credit reporting bodies if you do not want your information used by them for direct marketing/pre-screening purposes

Credit reporting bodies can use the personal information about you that they collect for a pre-screening assessment at the request of a credit provider unless you ask them not to. A pre-screening assessment is an assessment of individuals to see if they satisfy particular eligibility requirements of a credit provider to receive direct marketing. You have the right to contact a credit reporting body to say that you do not want your information used in pre-screening assessments. If you do this, the credit reporting body must not use your information for that purpose.

Should you have other questions or concerns about our Privacy Policy, You can Chat With Us Now, Send us an email at support@myloanpaysme.com.au or contact us on 1300 LO RATE / 1300 567 283.