At kaspian we are committed in protecting your personal information and this document sets out our privacy commitment which applies to any personal information that you may provide us.
We are dedicated to meeting and exceeding the National Privacy Principles for personal information, as set out in the Privacy Act and any other relevant law.
We understand that any personal information we may collect about you will only be used for the purposes indicated in our policy. Therefore, it is important for us that you provide your personal information confidently as we treat all your personal information with appropriate respect and not use for any other purpose.
What personal information do we collect and hold?
- General information such as:
- ID information such as your name, postal or email address, telephone numbers, and date of birth;
- financial details such as your tax file number; and
- other information we think is necessary. Collecting via your website activity?To improve our services and products, we sometimes collect de-identified information from web users. That information could include IP addresses or geographical information to ensure your use of our web applications is secure. We try to collect personal information directly from you (referred to as ‘solicited information’). For this reason, it’s important that you help us to do this and keep your contact details up-to-date.
Sometimes we will collect information about you from other sources as the Privacy Act 1988 permits. We will do this only if it’s reasonably necessary to do so, for example:
There are several ways in which we may seek information from you. We might collect your information when you fill out a form with us, when you’ve given us a call or used our website. We also find using electronic means, such as email or SMS, a convenient way to communicate with you and to verify your details.
Collecting and holding your information:
- If you’re an internet customer of ours, we monitor your use of internet services to ensure that you can receive information from us, and to identify ways we can improve our services for you.
- We may collect information about you because we are required or authorized by law to collect it. There are laws that which require us to collect personal information. For example, we require personal information to verify your identity under Australian Anti-Money Laundering law.
- We collect information from third parties about the loan or lease made available to you arising out of the services we provide you;
- If we could not get hold of you, we rely on public information to update your contact details; or
- We exchange information with your legal or financial advisers or other representatives.
- document storage security policies;
- security measures for access to our systems; and
- only giving access to personal information to a person who is verified to be able to receive that information
If you don’t provide your information to us, it may not be possible:
When we no longer need your information?
- We may store personal information physically or electronically with third party data storage providers. Where we do this, we use contractual arrangements to ensure those providers take appropriate measures to protect that information and restrict the uses to which they can put that information.
- We’ll only keep your information for as long as we require it for our purposes. We may be required to keep some of your information for certain periods of time under law. When we no longer require your information, we’ll ensure that your information is destroyed or de-identified.
How we use your personal information?
The main reasons we collect, hold and use your information:
Collecting your personal information allows us to provide you with the products and services you’ve asked for. This means we can use your information to:
- Give you credit assistance;
- Give you information about loan products or related services;
- Consider whether you are eligible for a loan or lease or any related service you requested;
- Assist you to prepare an application for a lease or a loan;
- Administer services we provide, for example, to answer requests or deal with complaints; and
- administer payments we receive, or any payments we make, relating to your loan or lease
Can we use your information for marketing our products and services?
We may use or disclose your personal information to let you know about other products or services we or a third party make available and that may be of interest to you.
With your consent, we may disclose your personal information to third parties for the purpose of connecting you with other businesses or customers. You can ask us not to do this at any time. We won’t sell your personal information to any organization. You can let us know at any time if you no longer wish to receive direct marketing offers from us. We will process your request as soon as practicable
Yes, you can Opt-Out
We will always let you know that you can opt out from receiving marketing offers.
What are the other ways we use your information?
We’ve just told you some of the main reasons why we collect your information, so here’s some more insight into the ways we use your personal information including:
- Identifying you;
- Telling you about other products or services we make available and that may be of interest to you, unless you tell us not to;
- Allowing us to run our business efficiently and perform general administrative tasks;
- Preventing any fraud or crime or any suspected fraud or crime;
- As required by law, regulation or codes binding us; and
- Any purpose to which you have consented.
To make sure we can meet your specific needs and for the purposes described in ‘How we use your personal information’, we sometimes need to share your personal information with others. We may share your information with other organizations for any purposes for which we use your information. We may use and share your information with other organizations for any purpose described above.We may share your information with:
- Sharing with your representatives and referees
- Your representative or any person acting on your behalf (for example, lawyers, settlement agents, accountants or real estate agents); and
- Your referees, like your employer, to confirm details about you.We may share your information with third parties in relation to services we provide to you
- Sharing with third parties
- the mortgage aggregator through whom we may submit loan or lease applications to lenders or lessors on the mortgage aggregator’s panel;
- the Australian Credit Licence holder that authorizes us to engage in credit activities;
- referrers that referred your business to us;
- lenders, lessors, lender’s mortgage insurers and other loan or lease intermediaries;
Who do we share your personal information with?
- organizations, like fraud reporting agencies, that may identify, investigate and/or prevent fraud, suspected fraud, crimes, suspected crimes, or other misconduct;
- government or regulatory bodies (including ASIC and the Australian Tax Office) as required or authorized by law. In some instances, these bodies may share the information with relevant foreign authorities;
- guarantors and prospective guarantors of your loan or lease;
- service providers, agents, contractors and advisers that assist us to conduct our business;
- any organization that wishes to take an interest in our business or assets; and
- any third party to which you consent to us sharing your information.
- Sharing outside of Australia
We are not likely to disclose your information to organizations overseas. However, we may store your information in cloud or other types of networked or electronic storage. As electronic or networked storage can be accessed from various countries via an Internet connection, it’s not always practicable to know in which country your information may be held.
How do you access your personal information?
How you can generally access your information
We‘ll always give you access to your personal information unless there are certain legal reasons why we can’t. You can ask us in writing to access your personal information that we hold. In some cases, we may be able to deal with your request over the phone.
We will give you access to your information in the form you want it where it’s reasonable and practical. We may charge you a small fee to cover our costs when giving you access, but we’ll always check with you first
We’re not always required to give you access to your personal information. Some of the situations where we don’t have to give you access include when:
- We believe there is a threat to life or public safety;
- There is an unreasonable impact on other individuals;
- The request is frivolous;
- The information wouldn’t be ordinarily accessible because of legal proceedings;
- It would prejudice negotiations with you;
- It would be unlawful;
- It would jeopardize taking action against serious misconduct by you;
- It would be likely to harm the activities of an enforcement body (e.g. the police); or
- It would harm the confidentiality of our commercial information
- It would harm the confidentiality of our commercial information
- How we correct your information?
- Contact us if you think there is something wrong with the information we hold about you and we’ll try to correct it if it’s:
- If we can’t provide your information in the way you’ve requested, we will tell you why in writing. If you have concerns, you can complain. See ‘Contact Us’.
- Irrelevant; or
If you are worried that we have given incorrect information to others, you can ask us to tell them about the correction. We’ll try and help where we can – if we can’t, then we’ll let you know in writing.
What additional things do we have to do to correct your credit information?
If you ask us to correct credit information, we will help you with this in the following way.
Helping you manage corrections
Whether we made the mistake or someone else made it, we are required to help you ask for the information to be corrected. So, we can do this, we might need to talk to others. However, the most efficient way for you to make a correction request is to send it to the organization which made the mistake.
Where we correct information
If we’re able to correct the information, we’ll let you know within five business days of deciding to do this. We’ll also let the relevant third parties know as well as any others you tell us about. If there are any instances where we can’t do this, then we’ll let you know in writing.
Where we can’t correct information
If we’re unable to correct your information, we’ll explain why in writing within five business days of making this decision. If you have any concerns, you can access our external dispute resolution scheme or make a complaint to the Office of the Australian Information Commissioner.
Time frame for correcting information
If we agree to correct your information, we’ll do so within 30 days from when you asked us, or a longer period that’s been agreed by you
If we can’t make corrections within a 30-day time frame or the agreed time frame, we must:
- let you know about the delay, the reasons for it and when we expect to resolve the matter;
- ask you to agree in writing to give us more time; and
- let you know you can complain to our external dispute resolution scheme or the Office of the Australian Information Commissioner.If you have a complaint about how we handle your personal information, we want to hear from you. You are always welcome to contact us.
- You can contact us by using the details below
- How do you make a complaint?
Kaspian (03) 9018 7676
We are committed to resolving your complaint and doing the right thing by our customers. Most complaints are resolved quickly, and you should hear from us within five business days.
Need more help?
If you still feel your issue hasn’t been resolved to your satisfaction, then you can raise your concern with the Office of the Australian Information Commissioner:
Phone: 1300 363 992
Fax: +61 2 9284 9666
Mail: GPO Box 5218 Sydney NSW 2001 or GPO Box 2999 Canberra ACT 2601
If your complaint relates to how we handled your access and correction requests
You may take your complaint directly to our external dispute resolution scheme or the Office of the Australian Information Commissioner. You are not required to let us try to fix it firstIf you make a complaint about things (other than an access request or correction request) in relation to your credit information, we will let you know how we will deal with it within seven days.If we can’t fix things within 30 days, we’ll let you know why and how long we think it will take. We will also ask you for an extension of time to fix the matter. If you have any concerns, you may complain to our external dispute resolution scheme or the Office of the Australian Information Commissioner.We’ll let you know about our decision within 30 days or any longer agreed time frame. If you have any concerns, you may complain to our external dispute resolution scheme or the Office of the Australian Information Commissioner.We care about your privacy.
Please contact us if you have any questions or comments about our privacy policies and procedures. We welcome your feedback.You can contact us by using the details below:
- Contact Us
- Letting you know about our decision
- Ask for more time if we can’t fix things in 30 days
Letting you know about our decision
We’ll let you know about our decision within 30 days or any longer agreed time frame. If you have any concerns, you may complain to our external dispute resolution scheme or the Office of the Australian Information Commissioner.
We care about your privacy. Please contact us if you have any questions or comments about our privacy policies and procedures. We welcome your feedback.
You can contact us by using the details below:
PH: (03) 9018 7676
What if you want to interact with us anonymously or use a pseudonym?
If you have general enquiry type questions, you can choose to do this anonymously or use a pseudonym. We might not always be able to interact with you this way, however, as we are often governed by regulations that require us to know who we’re dealing with. In general, we won’t be able to deal with you anonymously or where you are using a pseudonym when:
- it is impracticable; or
- we are required or authorized by law or a court/tribunal order to deal with you personally.In certain circumstances we may be required to collect government-related identifiers such as your tax file number. We will not use or disclose this information unless we are authorized by law.
- What do we do with government-related identifiers?This Policy may change. Please contact us for a copy of the most up to date policy at any time.
- However, we’ll never ask you for your security details in this way – if you are ever unsure, just contact us.