We collect, hold, use and disclose personal information to:
- assess and process any request you may have;
- provide you with quality products or services;
- administer your products and services (including collecting any overdue payments);
- notify you of important changes to our products or services;
- comply with record keeping requirements;
- verify your identity;
- undertake planning, product development, data mining or research;
- facilitate any potential or actual acquisition of an interest in the ORGANISATION;
- detect, prevent, investigate and prosecute crimes and illegal conduct;
- inform you of new products and services; and
- inform you about promotions and competitions.
- If we are not provided with your personal information, we may not be able to fully or safely recommend or provide our services to you.
How we usually use and disclose your personal information
Any personal information which we collect about you may be used by us for the purpose for which it was disclosed to us or any related purposes. For instance, we may from time to time use your personal information to provide you with information about products and services which we expect may be of interest to you.
Disclosure of your personal information
We may disclose your personal information to:
- the ORGANISATION and its related entities, for purposes including to enable us to have an integrated view of our customers and to better tailor our products and services to your needs;
- third parties who have agreements to provide products and services to the ORGANISATION and with whom we have a relationship;
- our agents, clinicians and related service providers who assist us in the management and administration of your services and account;
- our other agents and service providers who provide various services in connection with our products and services, including without limitation, mailing house, legal, accounting, business and financial consulting, loan management, archival, auditing, banking, debt collection, marketing, advertising, delivery, recruitment, customer contact, information technology, research, utility or security services, broking, insurance, fraud monitoring and anti-money laundering service providers, securitization services, credit reporting agencies and data switch companies;
- your representatives (e.g., your lawyers, accountants, mortgage brokers, financial advisers, financial institutions, attorneys, etc)
- partner organisations, including organisations providing benefits to the ORGANISATION’s customers;
- suppliers of products or services requested by the ORGANISATION customers but not provided by the ORGANISATION;
- regulatory bodies, government agencies, law enforcement bodies and courts;
- relevant dispute resolution schemes;
- your executor, administrator, trustee, guardian or attorney; or
Some of these third parties may be located in other countries and may not be subject to Australia’s Privacy Act. The ORGANISATION is required to comply with certain provisions of the Privacy Act to protect your privacy in relation to these disclosures.
On some occasions, we may also be obliged to disclose your personal information by law, e.g., court order or statutory notices pursuant to any legislation and to government authorities.