1.2. We respect the privacy of your personal information. The Privacy Act 1988 (Cth) (Privacy Act), Australian Privacy Principles and registered privacy codes govern the way in which we must manage your personal information. This policy sets out how we collect, use, disclose and otherwise manage your personal information.
2. Personal Information
2.1. If we deal with you as a current or prospective customer or client, we may collect personal information from you in order to provide any of our services and products to you. We do not collect personal information unless it is reasonably necessary for, or directly related to, one or more of the services or products we provide or functions we carry out.
2.2. Personal information means information from which your identity can be reasonably ascertained. The types of personal information we may collect from you include (but is not limited to):
(b) Date of birth;
(c) Residential address;
(d) Postal address;
(e) Email address;
(f) Telephone numbers; and
(g) Your occupation and place of work.
2.3. Personal information may also include:
(a) credit information, as that term is defined in the Privacy Act 1988 (Cth). Our Credit Information Management Policy contains information about how you may seek correction of credit information we hold about you, how you may complain about an alleged breach of our obligations in relation to your credit information (and how we will deal with such a complaint) and whether we will disclose your credit information to any overseas entities;
(b) matters in relation to which you have sought advice from us;
(c) any other confidential information about you.
3. Sensitive information
We will only collect sensitive information from you with your consent. Sensitive information is personal information that includes information relating to your racial or ethnic origin, criminal history, sexual orientation, membership of any trade or professional associations.
4. Collection of your personal information
4.1. You may provide us with personal information that we need to use to provide you with our services. The main way we collect personal information about you is when you give it to us, for example when you complete a form, application or survey or contact us to ask for information.
4.2. We collect, hold, use and disclose your personal information which is necessary to carry out our business functions or activities. These functions and activities include:
(a) providing various products and services relating to our businesses to you or someone else you know, including without limitation:
(i) lending products.
Individually and collectively referred to as “products” or “services”.
(b) providing you with information about other services that we offer that may be of interest to you;
(c) checking whether you are eligible for the products and services;
(d) assisting in the management of the products and services;
(e) facilitating our internal business operations, including the fulfilment of any legal requirements;
(f) providing you with updates through our newsletters (including by email);
(g) providing you with information about other services we believe you may be interested in;
(h) asking you to respond to surveys;
(i) analysing our services and customer needs with a view to improving those services, and
(j) contacting you to provide a testimonial or a client satisfaction survey for us.
4.3. In order to perform the functions and/or activities described above, we may disclose your personal information to any of the persons or organisations described below:
(a) our related entities (if any) to facilitate our and their internal business processes;
(c) our related entities and other organisations with whom we have affiliations so that those organisations may provide you with information about services and various promotions;
(d) other members of any group of which our company is a member;
(e) organisations involved in maintaining, reviewing, upgrading and developing our computer and business systems;
(f) our financial advisers, legal advisers or auditors;
(g) organisations involved in a corporate re-organisation or involved in a transfer of all or part of the assets or business of our organisation;
(h) organisations involved in the payments systems including financial institutions, merchants and payment organisations;
(i) organisations required to assist us discharge our legal requirements (e.g. the provision of a tax file number under the Income Tax Assessment Act, the ‘know your client’ requirements under the Anti-Money Laundering and Counter-Terrorism Act and the responsible lending and identification requirements under the National Credit Code and associated Land Title, Personal Property and Property Law legislation);
(j) as required or authorised by law and/or where you have given your consent.
4.4. Further to point4.3, if you have an accountant, broker, valuer, lawyer or other professional and they have referred you to us for the provision of services, we may disclose to it the fact that we are acting for you in a matter or give it other information relevant to your matter and they are authorised in kind to provide information about you to us.
4.5. We store your personal information in different ways, including in paper and in electronic form. The security of your personal information is important to us. We take reasonable measures to ensure that your personal information is stored safely to protect it from misuse, loss, unauthorised access, modification or disclosure, including electronic and physical security measures.
4.6. We will not sell or otherwise disclose your personal information to other companies or organisations without your prior consent.
4.7. Where it is lawful and practical to do so, you may wish to deal with us without providing any personal information, such as by providing a pseudonym or dealing with us anonymously, when you make general enquiries. However, in order to provide some of our services to you, we may need to identify you (in particular our finance and rental services).
4.8. If you access a social media page operated by us, the information we collect about you may also include your user ID and/or user name associated with that social media service, any information or content you have permitted the third party social media service to share with us, such as your profile picture, email address, followers or friends lists, and any information you have disclosed in connection with that social media service.
4.9. We will collect information from you electronically, for instance through internet browsing, mobile or tablet applications. Each time you visit our website, we collect information about your use of the website. We may use technology called ‘cookies’ when you visit our site. Cookies can record information about your visit to our site. The cookies we send to your computer cannot read your hard drive, obtain any information from your browser or command your computer to perform any action. They are designed so that they cannot be sent to another site, or be retrieved by any non-Vantage site.
4.10. We may invite you to send your details to us via private messaging, for example, to answer a question about your account. You may also be invited to share your personal information through secure channels to participate in other activities, such as competitions.
4.11. You may, at any time, unsubscribe from any of our communications (e.g., newsletters) by following the unsubscribe procedure detailed in the communication.
5. Overseas Recipients
5.1. We may disclose your personal information to overseas recipients.
5.2. We may use cloud storage to store the personal information we hold about you. The cloud storage and the IT servers may be located outside Australia.
5.3. Prior to disclosing your personal information to an overseas recipient, we will take all reasonable steps to ensure that:
(a) The overseas recipient does not breach the Australian Privacy Principles; or
(b) The overseas recipient is subject to a law, or binding scheme, that has the effect of protecting the information in a way that, overall, is at least substantially similar to the way the Australian Privacy Principles protect the information; or
(c) You have consented to us making the disclosure. Acceptance of any of our services via an application in writing, orally or electronic means will be deemed as giving consent to the disclosures detailed herein.
6. Access to your personal information
6.1. You can request, at any time, for us to inform you of the personal information we hold about you. We usually respond to you within seven days of receiving your request.
6.2. We may refuse to give you access to the personal information we hold about you if we reasonably believe that giving access would pose a serious threat to the life, health or safety of an individual, would have an unreasonable impact on the privacy of other individuals, or if we consider the request to be frivolous or vexatious.
6.3. If any of the information we hold about you is inaccurate, out of date, incomplete or irrelevant, please contact us.
6.4. If you wish to access or correct any of the personal information we hold about you, please email us at email@example.com or contact us by phone on 07 3229 5750.
7.1. Should you wish to make a complaint about the management of your personal information, please email us at firstname.lastname@example.org or contact us by phone on 07 3229 5750. We will make a record of your complaint and take steps to correct any deviation from Australian Privacy Principals.
7.2. We will acknowledge your complaint within seven days. We will provide you with a decision on your complaint within 30 days.
7.3. If you are dissatisfied with the response of our complaints officer you may make a complaint to:
(a) the Privacy Commissioner which can be contacted on either www.oaic.gov.au or 1300 363 992.
8. How we may change this statement
9. More information
Phone: 07 3229 5750
Post: Privacy Officer
c/o Vantage Performance Pty Ltd
GPO Box 204, Brisbane QLD 4001
9.2. For more information about privacy in general, you can visit the Australian Information Commissioner’s website at www.oaic.gov.au.