Privacy Policy


Introduction

The privacy of personal information you provide to us is important. This Privacy Policy governs the collection, use and disclosure of your personal information by EV Financial PTY LTD (ABN 85 451 997
076). This Privacy Policy sets out how we intend to respect your rights to privacy, in accordance with the Australian Privacy Principles contained in the Privacy Act 1988.

How we collect personal information

When we refer to “personal information”, we mean information from which your identity is reasonably apparent. This information may include information or an opinion about you, whether true or not. Where reasonable and practical, we will collect your personal information directly from you. We collect personal information from you directly, through our credit representatives (broker/s) when interviewing you, or enquires from our website.

The personal information we collect

The type of personal information we collect may include your name, date of birth, address, account details, occupation and any other information we may need to identify you. If you are applying for a loan, we may also collect the number and ages of your dependants, the length of time you have lived at your current address, your employment details, proof of income and expenses and other financial details. You may choose not to provide any optional information requested by us, however this may restrict our ability to assist you. If you give us personal information about another person, you represent that you are authorised to do so and agree that you have obtained consent from that person for us to use and disclose their personal information. They may access any personal information we hold about them.

How we use your personal information

We use your personal information to assist us to:

  1. Assess your application for credit, manage that credit application and any future applications for credit;
  2. Communicate information about our products and services to you;
  3. Meet our internal administrative, marketing, planning and research requirements;
  4. Remarket using cookies to serve advertisements based on users’ prior visits to our website.
    Users may opt out of Google’s use of cookies by visiting the Google advertising opt out page (http://goo.gl/5BL8t). We will take reasonable steps to destroy or de-identify your personal information when your personal information is no longer required for one of the above purposes.

Disclosure of your personal information to others

Where possible, we will inform you, at or before the time of collecting your personal information, of the types of organisations to which we intend to disclose your personal information. We may disclose your personal information to our related bodies corporate, credit representatives, financial
advisers, panel of approved lenders or financial product suppliers and advisers, service providers and agents that we use in the ordinary operation of our business. For example, if you provide us with personal information to assist us find you a suitable loan, we may collect personal information about you and disclose it to one of our credit representatives or a member of our lender panel. We will disclose your personal information only for the purpose/s for which we collected the personal information. Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:

  1. The person or organisation has a commitment to protecting your personal information at least equal to our commitment; or, if required.
  2. You have consented to us doing so.

We will disclose your personal information to those third parties only where such disclosure is for the purposes required. We will disclose your personal information when we are required by law to do so.

We may use cloud storage to store your personal information that we hold. We do not disclose your personal information outside of Australia.

Government Related Identifiers

If we collect government identifiers, such as your Tax File Number, we do not use or disclose this information other than as required by law. We will never use a government identifier in order to identify you.

Business without identifying you

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 enquiries about interest rates or current promotional offers

How we store your personal information

We take all reasonable steps to protect your personal information from misuse, loss, unauthorised access, modification or exposure by:

  1. Installing security and access requirements for all our IT systems, such as passwords, firewalls and virus scanning software;
  2. Maintaining document storage and destruction policies;
  3. Providing your personal information to you only when we are satisfied as to your identity.
    We store your personal information in both electronic and paper form. We require all staff to maintain the confidentiality of customer information. Access to personal information is restricted to employees whose job responsibilities require access to the information. If we no longer need to hold your personal information, it is securely destroyed or de-identified.

Contacting us and providing feedback

If you are not satisfied with how we have managed your personal information, you may contact our Operations manager below. We will acknowledge your complaint within seven days of receipt. We will provide you with a decision on your complaint within 30 days of receipt. You can make any requests relating to your personal information held by us or any complaints regarding treatment of your privacy by contacting:

Eryk Sobczyk
Operations Manager
EV Financial Pty Ltd.
eryk@evfinancial.com.au
0437424421

Changes to this Privacy Policy

We may amend this Policy from time to time to comply with new laws or codes of practice that may be implemented. We may also change this Policy to include any new products or services that we may provide from time to time.

This Privacy Policy came into operation on 01/04/2015.