This policy applies to Driven Finance Group Pty Ltd and all its directors and representatives (we, our or us). This document explains our policy in relation to the collection and management of personal information we collect from individuals. The Privacy Act 1988 requires us to handle personal information in accordance with the Australian Privacy Principles (APP).
Collection of information – What is collected and why we collect it.
Personal information means information, or an opinion about, an individual whose identity is apparent, or can reasonably be ascertained, from the information or opinion. We hold an Australian credit licensee (ACL). When we provide you with credit services, we may be required by the National Consumer Credit Protection Act 2009 and regulatory requirements to seek to obtain certain personal information about you, including, but not limited to, your:
- Name, date of birth, contact details and tax file number.
- Employment details and employment history.
- Information about your financial situation, needs and objectives.
- Information about your credit history, employment history, employment circumstances, family commitments and social security eligibility.
Sensitive information
Sensitive information includes health information, racial information, genetic information, etc. We do not typically obtain sensitive information from you. In the unlikely event that we do collect sensitive information from you, we will only collect sensitive information that is reasonably necessary for us to perform our functions or activities in advising you, acting for you and dealing with you.
How is information collected?
We collect personal and sensitive information in a number of ways, including:
- Directly from you such as when you provide us the information at meetings, by phone, email, in data collection forms and when you visit our websites or from other parties with whom you instruct us to deal on your behalf.
- Our website may use “cookies”. Cookies are small data files that are downloaded from our website and stored on your computer when you visit our website. Cookies are used to allow us to see which pages and what information is of most interest to visitors to our website, which in turn enables us to improve our offerings to our customers. Your computer’s web browser will allow you to configure your computer to refuse to accept cookies. You can also delete cookies from your computer’s hard drive at any time. However, please note that doing so may hinder your access to valuable areas of information within our site.
- Indirectly from credit providers, credit reporting bodies, insurers and other third parties (e.g., your accountant) once you have authorised us to obtain such information or authorised other parties to provide us with this information.
Are you obliged to provide us personal information?
You are not required to provide us with the information that we request, or to allow us to collect information from third parties. However, where you choose not to provide us with the information we request, we may not be able to provide you with services that you have requested from us, and we may elect to terminate our arrangement with you. Importantly, if you provide either inaccurate or incomplete information to us you risk obtaining products or services that may not be appropriate or suitable for your needs and you may risk suffering a financial detriment or financial loss.
What happens if we obtain information about you which we have not solicited?
Where we receive unsolicited personal information about you, we will consider if we could have collected the information if we had solicited the information. Where we determine that we could have collected the personal information from you, we will treat your personal information in the same manner as if we had solicited the information directly from you. Where we determine that we could not have collected the personal information, we will destroy the information or ensure that the information is de-identified as soon as practicable.
Use of information
We use your personal information for the primary purpose for which the information was obtained, which is for the provision of credit services. This includes:
- Providing credit services to you.
- Organising credit contracts or consumer leases on your behalf.
We may also use the information for the secondary purpose of:
- Attempting to identify other products and services that may be of interest to you.
- Referring you to our related and associated entities, Driven Property Group Pty Ltd.
- Conducting any professional quality control review program.
- Managing our business operations such as maintaining secure IT systems.
Do we disclose personal information for marketing?
We do not sell, trade, or rent your personal information to others.
We may use your personal information to offer you products and services that we believe may interest you. We may also disclose your personal information to external associates and service providers who assist us to market our products and services.
If you do not want to receive marketing offers from us, please inform us by sending an email to shane@drivengroup.com.au, or calling 08 9444 7632.
Disclosure of information
With your permission, we may disclose your personal information to:
- Our representatives.
- The product issuers of products and services that you have elected to acquire, vary, or dispose of using our assistance.
- Parties who we think are necessary or convenient to provide financial credit services to you.
- Our external service providers.
- Our related and associated entities including Driven Property Group.
- Prospective entities interested in acquiring all or part of our business.
For example, information may be disclosed to the following parties:
- Credit providers and insurers for the purpose of giving effect to the recommendations made by us, and other organisations that support the products and services we offer (e.g., aggregators).
- Other parties involved in the administration of your credit contracts, consumer leases or insurance covers (e.g., brokers, credit reporting bodies, actuaries, call centres, mail houses, any persons who propose to guarantee (or have guaranteed) repayment of any credit provided to you, mortgage insurers, claims assessors etc.).
- Our external service providers (e.g., IT providers, professional advisers and contractors).
- Government and regulatory authorities and other organisations, as required or authorised by law.
- Any person considering acquiring, or acquiring, an interest in our business.
Government related identifiers
Although in certain circumstances we are required to collect government identifiers such as your tax file number, Medicare number or pension card number, we do not use or disclose this information other than when required, authorised by law or unless you have voluntarily consented to disclose this information to any third party.
Cross-border disclosure of personal information
We may transfer personal information to external service providers in locations outside Australia, including, but not limited to, India, United States, China, Poland, Philippines and around the world, in the course of storing that information and when using or disclosing it for one of the purposes referred to above. When transferring personal information to foreign jurisdictions, we will ensure that we satisfy one of the requirements below:
- we will take reasonable steps to ensure the overseas recipient does not breach the APP in relation to the information;
- we form a reasonable belief that 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 in which the APP protect the information and there are mechanisms that the individual can access to take action to enforce that protection of the law or binding scheme; or
- we will seek your informed consent prior to disclosing your personal information overseas.
Storage and security of information
We store personal information in our computer database, hard copy files and on external servers maintained by our aggregators, Connective. We take reasonable steps to ensure the personal information collected and held by us is protected from misuse, interference, loss, unauthorised access, modification, or disclosure.
In the event you cease to be a client of ours, any personal information which we hold about you will be maintained for a period of not less than 7 years in order to comply with legislative and professional requirements.
Notifiable data breaches
We are required to notify you and the Information Commissioner of an eligible data breach. An eligible data breach happens if:
- there is unauthorised access to, unauthorised disclosure of, or loss of personal information held by us; and
- the access, disclosure or loss is likely to result in serious harm to you.
If you receive a statement of an eligible data breach from us, you should read and implement the recommendations about the steps you should take in response to the eligible data breach.
Access and correction of information
You may request access to the personal information we hold about you, and we will respond within a reasonable period after the request is made. Where we provide you access to such information, we may charge a reasonable fee to cover our costs. We will disclose the amount of such costs to you prior to providing you with the information.
We will take reasonable steps to ensure that the personal information that we collect, use or disclose is accurate, up-to-date, complete and relevant. In the event that you become aware, or believe, that any personal information which we hold about you is inaccurate or incomplete, you may contact us to correct the information.
If we disagree about the correction you have supplied, and refuse to correct the personal information, or if we believe that we are unable to comply with your request to access the personal information that you have provided us, we will give you a written notice to that effect. You have a right to make a complaint if you disagree with our decisions in relation to these matters (see below).
Complaints Policy
If you believe that we have breached the APP or disagree with a decision that we have made in relation to our Privacy Policy, you may lodge a complaint with us. To enable us to understand and deal with your complaint in a timely fashion you should set out a brief description of your privacy problem, the reason for your complaint and what action or remedy you are seeking from us. Please address your complaint to the Privacy Officer. Our contact details have been included at the end of this Privacy Policy.
Your complaint will be investigated and responded to within 30 days. If you are not satisfied with the outcome of your complaint, you are entitled to contact the Office of the Australian Information Commissioner.
Policy updates
This Privacy Policy is subject to change from time to time. The most current version of our Privacy Policy can be obtained from our website (www.drivengroup.com.au) or by contacting us.
Policy updates
This Privacy Policy is subject to change from time to time. The most current version of our Privacy Policy can be obtained from our website (www.drivengroup.com.au) or by contacting us.
Contact details
Privacy Officer: Shane Lavender
Address: Suite 1 / 125 Melville Parade, Como WA 6152
Postal Address: PO Box 1067, South Perth WA 6951
Telephone: 08 9444 7632
Facsimile: 08 9368 4751
E-mail: shane@drivengroup.com.au