AFICO Pty Ltd (AFICO) and its related bodies corporate (AFICO Group) are committed to protecting the privacy and the rights of individuals with whom it deals.
The AFICO Group includes the following related bodies corporate:
In handling your personal information, AFICO Group will comply with the Australian Privacy Act 1988, including the 13 Australian Privacy Principles, and all other relevant laws, regulations and codes relating to privacy and personal information (‘Privacy Law’).
Personal information is defined in the Privacy Act 1988 (Cth). Generally, it is information or an opinion from which your identity is apparent or can be reasonably ascertained. This may include your name, address, telephone number, email address, profession or occupation.
The types of personal information we may collect include:
We may also collect the following information depending on the products and services we provide you:
Generally we do not collect sensitive information about you. Sensitive information includes your racial or ethnic background, political opinions, membership of political, professional or trade associations or trade unions, religious beliefs or affiliations, philosophical beliefs, sexual preferences or practices, criminal record or health information. However, we may collect information about your memberships if required to provide you with a specific product or service or where required by law.
When you visit our websites, we may collect statistics on the number, date and time of your visit, the number of pages viewed and the manner in which you navigate through our sites.
When you call us, we may collect statistics on the number, date and time of your call and the manner in which you navigated through our telephony system.
We may also monitor and/or record in-coming and out-going telephone calls for taxation, verification, substantiation and quality assurance purposes.
We collect your personal information to perform our business activities and functions. We collect, hold, use and disclose your personal information to provide you with products and services you have requested and for the administration of those products and services.
We may also collect, hold, use and disclose your personal information to:
We may share personal information about you with our related bodies corporate, contractors and service providers for any of the purposes outlined above.
Where it is reasonable and practical to do so, we will always collect personal information directly from you. How we collect your personal information will depend on how you interact with us. For example, we may collect it through your access and use of our websites, during your conversations with our representatives or from application forms you complete.
There are occasions when we may need to collect your personal information from third parties, with or without your direct involvement. Depending on the products or services you request or receive, the third parties from whom we may collect personal information include your employer, market research organisations, third party brokers and agents, credit reporting bodies, government agencies, your representatives and your advisers and other organisations who, jointly with us, provide products or services to you.
We may disclose your personal information to another person or organisation. Depending upon the products or service you have requested, we may disclose personal information about you to:
In the unlikely event that the assets and operations of our business are sold to another party, our records of personal information will be transferred to that party.
If you do not provide us with the personal information described above, some or all of the following may happen:
We take reasonable steps to ensure your personal information is protected from misuse and loss and from unauthorised access, modification or disclosure. We may hold your information in either electronic or hard copy form. Personal information is destroyed or de-identified when no longer needed.
We use security procedures and modern technology to protect the personal information that we hold. Much of the information we hold is stored electronically on servers owned by AFICO or AFICO's related bodies corporate that are located in company premises or in secure data centres located in Australia. Access to and use of this information within AFICO is appropriately limited to protect from misuse or unlawful disclosure of the information.
You can contact us to request access to the personal information that we hold about you. Generally, we will give you access to your personal information. However, there may be exclusions that apply that permit us to not provide you with access in some circumstances. If access is denied, we will provide you with the reason why unless, having regard to the grounds for refusal, it would be unreasonable for us to do so.
You can also contact us to request that we correct personal information that we hold about you.
Any request to access or correct personal information should be made to AFICO Privacy Officer using the contact details set out below and will be dealt with in accordance with the Privacy Act.
We may use and disclose your personal information to inform you about other products and services we think may be of interest to you in the future, and we may also disclose your personal information to AFICO's related bodies corporate so that they may inform you about products and services in the future, including for direct marketing by the AFICO Group or by other organisations.
We respect your right to ask us not to use your information for direct marketing and AFICO, its related bodies corporate and other organisations will not send you information about products and services if you so request by contacting AFICO using the contact details set out below.
A 'cookie' is a packet of information placed on a user's computer by a website for record keeping purposes. Cookies may be used on the AFICO site to:
Cookies may also be used for other purposes on the AFICO site but in each case none of the information collected can be used to personally identify you.
You can configure your browser to accept all cookies, reject all cookies, or notify you when a cookie is sent. (Each browser is different, so check the "Help" menu of your browser to learn how to change your cookie preferences).
If you are a credit applicant and have been a resident in New Zealand, we are likely to disclose your personal information to an overseas recipient located in New Zealand in order to obtain credit information about you from New Zealand sources.
If you have a complaint about the way we have dealt with your personal information or think that we have breached the Australian Privacy Principles, you may make a complaint by contacting our Privacy Officer at the contact details listed below.
We will respond to complaints within a reasonable time (generally 30 days).
If you disagree with our decision, you may refer your complaint to the Office of the Australian Information Commissioner by visiting www.oaic.gov.au and completing their online Privacy Complaint form.
|Addressee:||The Privacy Officer|
|Phone:||(02) 9395 4000|
|Fax:||(02) 9395 4199|
|Writing:||AFICO Pty Ltd|
|GPO Box 4123|
|Sydney NSW 2001|