The privacy of the personal information you provide to us is very important. We are bound by the Privacy Act and the National Privacy Principles (NPPs) regulated by the Federal Privacy Commissioner to guide us in our responsible handling of personal information.
The Collection of your information
We will not ordinarily collect any information about you except where you provide it to us or it is provided to us with your authority. We explain to you in this Security and Privacy Statement how we might collect information from our websites and what the information may be used for by us. We only collect personal information about you that is necessary for our functions and activities and, ordinarily, you will be told the purposes for which we collect that information when it is collected.
How do we use your personal information?
We use your personal information to assist us in:
- Conducting our business, for example, in determining whether you may qualify for a loan.
- Completing a transaction to which the provision of that personal information relates, for example, in the completion of loan application forms.
- For our internal administrative, marketing, planning, product development and research requirements. At any time you may opt out of receiving any communications from us (other than as required for the operation of our business). If you wish to opt out of receiving communications from us please either contact your broker or our Privacy Officer whose contact details are set out later in this policy.
Use of information collected and disclosure of personal information
We will not disclose personal information about you to any other person outside the group except on a confidential basis to our approved panel of lenders, and agents that we may use in the ordinary operation of our business, such as for data processing, printing or mailing. These third parties are strictly prohibited from using your personal information for any other purpose. We will only disclose to these third parties that information necessary for them to perform their services. Otherwise, we do not disclose personal information unless we are required to do so by law or regulation.
We may use the personal information collected from you for the purpose of providing you with direct marketing material, however you may, by contacting us by any of the methods detailed below, request not to receive such information and we will give effect to that request. Personal information will only be disclosed to other third parties if we are permitted, authorised or required to do so by law; you have authorised us to do so; or it is necessary to assist with law enforcement.
Updating your information
It is important for us, and for you, that the information we hold is accurate and up to date. Injoy Finance relies on the accuracy of information that you supply to us. If any of your personal information is incorrect, has changed or requires updating, please assist by either:
- Email to us with the correct details or
- Contacting us by phone whenever there are changes to your personal details, so we can update our records.
How do we store your personal information?
We take all reasonable steps to protect your personal information from misuse, loss, unauthorised access, modification or exposure. We require all staff to maintain the confidentiality of customer information. Access to information stored electronically is restricted to employees whose job requires access to the information. Access to our computer systems is restricted through password protection.
Contacting us and feedback
You can make any requests relating to your personal information held by us or any complaint about our privacy policy by emailing to info@injoyrealty.com.au
Changes to this Privacy Policy
We may change this privacy policy from time to time to comply with new laws or codes of practice that may be developed and we may also change this policy to include any new products or services we may provide from time to time.