Privacy Policy of Scottie Financial Pty Ltd

Introduction

‘We’, ‘us’ and ‘our’ refer to Scottie Financial Pty Ltd ACN [Your Company Number], Australian Credit Licence [Your Licence Number], and our related bodies corporate.

Our Commitment to Protect Your Privacy

We understand the importance of protecting your personal information. This privacy policy outlines our commitment to safeguarding your personal information (including credit-related information) and explains how we handle this information.

Personal Information

Definition:

Personal information is any information from which your identity is reasonably apparent. This includes your name, date of birth, address, account details, occupation, and any other information required to identify you.

Credit-Related Information:

Includes your identity, the type, terms, and amount of credit provided, repayment history, default information, payment information, court proceedings information, personal insolvency information, and publicly available information.

Collection of Personal Information

We collect personal information for the following purposes:

Assessing your application for finance and managing that finance.Establishing your identity.Contacting you.Managing our risk and legal obligations. Direct marketing and managing our relationship with you.

Sources:

We collect personal information from various sources including public registers, social media, third parties, credit reporting bodies, mortgage and finance brokers, employers, and other professionals such as accountants and lawyers.

Use of Personal Information

We use your personal information to:

Assess your eligibility for finance.Manage your finance.Comply with legal obligations.Conduct direct marketing.Improve our products and services.

Disclosure of Personal Information

We may disclose your personal information to:

Prospective funders or other intermediaries in relation to your finance requirements.Organisations involved in managing or administering your finance such as third-party suppliers, printing and postal services, call centres, lenders mortgage insurers, trade insurers, and credit reporting bodies.Associated businesses that may want to market products to you.Companies that provide information and infrastructure systems to us.Our agents, contractors, external service providers for functions like statement production, debt recovery, and IT support.Any person or entity that represents you, including finance brokers, lawyers, mortgage brokers, guardians, persons holding power of attorney, and accountants.Any person or entity where you have provided consent.Guarantors or prospective borrowers in relation to any credit you guarantee or propose to guarantee.Auditors, insurers, re-insurers, and healthcare providers.Claims-related providers, such as assessors and investigators.Government and law enforcement agencies or regulators, as authorised by law.Investors, agents, advisers, trustees, rating agencies, or any entity that has an interest in your finance or our business.Other financial institutions, for example, to process a claim for mistaken payment.Organisations that provide products or services used or marketed by us.Your employer, former employer, referees, or identity verification services.

Credit-Related Information

We exchange credit-related information for assessing your application for finance and managing that finance. If you propose to be a guarantor, we may obtain a credit report about you. This information may be stored in electronic or paper form and may be held on secure servers or in cloud storage outside Australia.

Notifiable Matters

The law requires us to inform you of ‘notifiable matters’ regarding how we may use your credit-related information. You can request these notifiable matters and this policy in an alternative form.

Direct Marketing

We may use your personal information for direct marketing purposes. If you do not wish to receive marketing information, you can opt-out by contacting us at [Your Contact Information]. We will promptly action your request at no charge.

Access and Correction of Personal Information

You have the right to access and correct the personal and credit-related information we hold about you. We aim to respond to requests within seven days. If we deny access or correction, we will provide you with a reason.

Security of Personal Information

We take reasonable steps to protect your personal information from misuse, loss, and unauthorized access, modification, or disclosure. Your information is stored securely in both paper and electronic forms.

Complaints

If you have a complaint about how we handle your personal information, you can contact our complaints officer at [Your Contact Information]. We will acknowledge your complaint within seven days and aim to resolve it within 30 days. If you are dissatisfied with our response, you can contact the Australian Financial Complaints Authority (AFCA) at 1800 931 678 or the Privacy Commissioner at www.oaic.gov.au

or 1300 363 992.

Changes to this Policy

We regularly review our policies to keep up with changes in technology, law, and market practices. We may change this policy from time to time and will post updates on our website.

Contact Us

For further information about how we manage your personal information, please contact us at 02 8211 0688.

You can request this policy in an alternative form by contacting us at [email protected].